Privacy Policy

1. Introduction and Scope

This Privacy Policy ("Policy") describes how phcash ("phcash," "we," "us," or "our") collects, uses, discloses, stores, and protects the personal information of users ("you," "your," or "User") who access or use our website, mobile platform, and related services (collectively, the "Platform"). This Policy applies to all personal data processed by phcash in connection with your use of our services, whether you are a registered player, a visitor browsing our site, or a prospective customer.

phcash is committed to protecting your privacy and ensuring the security of your personal information in accordance with Republic Act No. 10173, also known as the Data Privacy Act of 2012 ("DPA"), its Implementing Rules and Regulations, and all applicable data protection laws in the Republic of the Philippines. By accessing or using the phcash Platform, you acknowledge that you have read, understood, and agree to the collection, use, and disclosure of your personal information as described in this Policy.

If you do not agree with any provision of this Privacy Policy, you must immediately cease using the Platform and refrain from providing any personal information to phcash. Your continued use of the Platform following any updates or modifications to this Policy constitutes your acceptance of such changes.

2. Information We Collect

phcash collects various types of personal information to provide, maintain, improve, and secure our services. The categories of information we collect include, but are not limited to, the following:

2.1 Information You Provide Directly

When you register for an account, make a deposit, request a withdrawal, or contact customer support, you voluntarily provide us with personal information, including:

• Identity Information: Full legal name, date of birth, gender, nationality, and government-issued identification numbers (e.g., passport number, driver's license number, or national ID number).
• Contact Information: Email address, mobile phone number, residential address, and postal code.
• Financial Information: Bank account details, e-wallet account information (GCash, PayMaya), payment card details, transaction history, deposit and withdrawal records, and source of funds documentation.
• Account Credentials: Username, password, security questions and answers, and any other authentication information you create.
• Verification Documents: Copies of government-issued identification documents, proof of address (utility bills, bank statements), selfies or photographs for identity verification, and any other documents required for Know Your Customer (KYC) and Anti-Money Laundering (AML) compliance.
• Communication Records: Content of your communications with our customer support team via live chat, email, or phone, including any feedback, complaints, or inquiries you submit.

2.2 Information Collected Automatically

When you access or use the phcash Platform, we automatically collect certain technical and usage information through cookies, web beacons, log files, and similar tracking technologies:

• Device Information: Device type, operating system, browser type and version, screen resolution, device identifiers (IMEI, MAC address, advertising ID), and mobile network information.
• Usage Data: Pages visited, games played, time spent on the Platform, clickstream data, search queries, betting patterns, win/loss records, and interaction with promotional content.
• Location Data: IP address, geolocation data (country, region, city), and time zone information to verify your location and ensure compliance with geographic restrictions.
• Cookies and Tracking Technologies: Session cookies, persistent cookies, analytics cookies, and third-party tracking pixels to enhance user experience, analyze Platform performance, and deliver targeted advertising.

2.3 Information from Third Parties

phcash may receive personal information about you from third-party sources, including:

• Payment Providers: Transaction data, payment verification information, and fraud detection signals from GCash, PayMaya, banks, and other payment processors.
• Identity Verification Services: Verification results, risk scores, and identity authentication data from third-party KYC and AML service providers.
• Marketing Partners: Referral information, campaign performance data, and attribution data from affiliate partners and advertising networks (where you have consented to such sharing).
• Public Databases: Information from publicly available sources, government registries, and sanctions lists to comply with legal and regulatory obligations.

3. How We Use Your Information

phcash uses your personal information for the following purposes, all of which are necessary to provide our services, comply with legal obligations, or pursue our legitimate business interests:

We will only use your personal information for the purposes for which it was collected, unless we reasonably consider that we need to use it for another reason that is compatible with the original purpose. If we need to use your personal information for an unrelated purpose, we will notify you and explain the legal basis for doing so.

4. How We Share Your Information

phcash does not sell, rent, or trade your personal information to third parties for their marketing purposes. However, we may share your information with the following categories of recipients in the circumstances described below:

4.1 Service Providers and Business Partners

We engage trusted third-party service providers to perform functions on our behalf, including payment processing, identity verification, fraud detection, customer support, data analytics, marketing services, and IT infrastructure. These service providers have access to your personal information only to the extent necessary to perform their functions and are contractually obligated to protect your data and use it only for the purposes we specify.

4.2 Legal and Regulatory Authorities

We may disclose your personal information to government authorities, law enforcement agencies, regulatory bodies (including PAGCOR), courts, and other public authorities when required by law, legal process, or regulatory obligation. This includes responding to subpoenas, court orders, or official requests for information, as well as reporting suspicious transactions or activities as required under Philippine anti-money laundering laws.

4.3 Corporate Transactions

In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your personal information may be transferred to the acquiring or successor entity. We will notify you via email or prominent notice on the Platform before your information is transferred and becomes subject to a different privacy policy.

4.4 With Your Consent

We may share your personal information with third parties when you have given us explicit consent to do so, such as when you opt in to receive marketing communications from our partners or participate in joint promotional campaigns.

5. Data Security and Protection

phcash implements industry-standard technical, administrative, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. Our security measures include:

• Encryption: All sensitive data, including passwords and financial information, is encrypted using SSL/TLS protocols during transmission and AES-256 encryption at rest.
• Access Controls: Strict role-based access controls ensure that only authorized personnel can access personal information on a need-to-know basis.
• Security Monitoring: Continuous monitoring of our systems for suspicious activity, intrusion attempts, and security vulnerabilities.
• Regular Audits: Periodic security audits, penetration testing, and vulnerability assessments conducted by independent third-party security firms.
• Employee Training: All employees with access to personal information receive regular training on data protection, confidentiality, and security best practices.
• Secure Data Centers: Personal information is stored in secure, access-controlled data centers with redundant backup systems and disaster recovery protocols.

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is completely secure. You acknowledge that you provide your personal information at your own risk and that phcash cannot guarantee absolute security.

6. Data Retention

phcash retains your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal and regulatory obligations, resolve disputes, enforce our agreements, and maintain business records. Specific retention periods vary depending on the type of information and the purpose for which it was collected:

• Account Information: Retained for the duration of your active account and for seven (7) years after account closure to comply with Philippine tax, accounting, and anti-money laundering regulations.
• Transaction Records: Retained for seven (7) years from the date of the transaction as required by Philippine financial regulations.
• Identity Verification Documents: Retained for seven (7) years after account closure or the end of the business relationship.
• Marketing Communications: Retained until you withdraw consent or request deletion, whichever occurs first.
• Customer Support Records: Retained for three (3) years from the date of the last interaction.

After the applicable retention period expires, we will securely delete or anonymize your personal information in accordance with our data retention and disposal policies.

7. Your Privacy Rights

Under the Philippine Data Privacy Act of 2012, you have the following rights with respect to your personal information:

• Right to Access: You have the right to request a copy of the personal information we hold about you.
• Right to Rectification: You have the right to request correction of inaccurate or incomplete personal information.
• Right to Erasure: You have the right to request deletion of your personal information, subject to legal and regulatory retention requirements.
• Right to Object: You have the right to object to the processing of your personal information for direct marketing purposes or based on legitimate interests.
• Right to Data Portability: You have the right to receive your personal information in a structured, commonly used, and machine-readable format and to transmit it to another data controller.
• Right to Withdraw Consent: Where processing is based on consent, you have the right to withdraw your consent at any time without affecting the lawfulness of processing based on consent before its withdrawal.
• Right to Lodge a Complaint: You have the right to lodge a complaint with the National Privacy Commission of the Philippines if you believe your privacy rights have been violated.

To exercise any of these rights, please contact our Data Protection Officer using the contact information provided in Section 11 below. We will respond to your request within thirty (30) days of receipt.

8. Cookies and Tracking Technologies

phcash uses cookies, web beacons, and similar tracking technologies to enhance your experience on the Platform, analyze usage patterns, and deliver personalized content and advertising. You can manage your cookie preferences through your browser settings, but please note that disabling certain cookies may affect the functionality of the Platform. For more information about the cookies we use and how to manage them, please refer to our Cookie Policy.

9. Third-Party Links and Services

The phcash Platform may contain links to third-party websites, applications, or services that are not owned or controlled by phcash. This Privacy Policy does not apply to third-party sites, and we are not responsible for the privacy practices or content of such sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Privacy Policy

phcash reserves the right to update, modify, or replace this Privacy Policy at any time to reflect changes in our practices, legal requirements, or business operations. When we make material changes, we will notify you by email (to the address associated with your account) or by posting a prominent notice on the Platform at least thirty (30) days before the changes take effect. The updated Privacy Policy will be posted on this page with a revised effective date. Your continued use of the Platform after the effective date of the updated Privacy Policy constitutes your acceptance of the changes.

11. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data protection practices, please contact our Data Protection Officer:

Data Protection Officer
phcash
Email: [email protected]

You may also contact the National Privacy Commission of the Philippines if you have concerns about how we handle your personal information:

National Privacy Commission
5th Floor, Philippine International Convention Center (PICC), Vicente Sotto Street, Pasay City, Metro Manila, Philippines
Email: [email protected]
Website: www.privacy.gov.ph