cow188 Casino – Privacy Policy

1.Scope and Application

This Privacy Policy ("Policy") applies to all personal data collected by cow188 in connection with the operation of the cow188 online casino and sports betting platform accessible at cow188.club and any associated mobile applications or services ("the Platform").

This Policy applies to all users of the cow188 platform, including registered Players, individuals who browse the Platform without completing registration, and individuals who contact cow188 support or submit inquiries. By using the Platform, you acknowledge that you have read and understood this Policy and consent to the collection and processing of your personal data as described herein.

2.Personal Data We Collect

cow188 collects the following categories of personal data from Players and Platform users:

cow188 does not knowingly collect sensitive personal information beyond what is strictly necessary for identity verification and regulatory compliance. We do not collect racial or ethnic origin data, political opinions, religious beliefs, or biometric data beyond facial photograph identification where required for KYC purposes.

3.How We Collect Your Data

cow188 collects personal data through the following channels:

• Direct registration: Information you provide when creating a cow188 account, including name, email, mobile number, date of birth, and residential address;
• KYC verification submissions: Government-issued identification documents, selfie photographs, and proof-of-address documents submitted during identity verification;
• Financial transactions: Data received from GCash, PayMaya, and Philippine banking partners when you make deposits or withdrawals;
• Platform usage: Automatically collected technical data including IP addresses, device identifiers, and session logs when you access or interact with the cow188 platform;
• Cookies and tracking technologies: As described in Section 8 of this Policy;
• Support interactions: Information you provide when contacting cow188 support via live chat, email, or any other channel.

4.How We Use Your Personal Data

cow188 uses personal data collected from Players and users for the following purposes:

• Account creation and management — to register, verify, and maintain your cow188 account;
• Identity and age verification — to confirm that you meet the 21+ age requirement mandated by PAGCOR;
• Payment processing — to process deposits and withdrawals via GCash, PayMaya, and Philippine bank transfers;
• Regulatory compliance — to meet our obligations under PAGCOR licensing conditions, the Anti-Money Laundering Act (RA 9160 as amended), and the Data Privacy Act (RA 10173);
• Fraud and security monitoring — to detect and prevent unauthorised account access, bonus abuse, money laundering, and other prohibited activity;
• Responsible gaming — to identify patterns of problem gambling behaviour and to administer self-exclusion requests and deposit limit tools;
• Customer support — to respond to inquiries, resolve disputes, and provide account assistance;
• Platform improvement — to analyse usage patterns and improve the cow188 user experience, game selection, and payment performance;
• Marketing communications — to send promotional offers and bonus notifications to Players who have opted in to receive such communications. Players may opt out at any time via their account settings.

5.Legal Basis for Processing

cow188 processes personal data on the following legal bases under the Data Privacy Act of 2012 and its Implementing Rules:

• Contractual necessity — processing required to perform our obligations under the cow188 Player Agreement, including account operation, payment processing, and game delivery;
• Legal obligation — processing required to comply with PAGCOR licensing conditions, the Anti-Money Laundering Act, the Data Privacy Act, and other applicable Philippine law;
• Legitimate interests — processing for fraud prevention, security monitoring, platform integrity, and responsible gaming purposes, where these interests are not overridden by the Player's privacy rights;
• Consent — processing for optional marketing communications and certain cookie categories, where your explicit consent has been obtained and can be withdrawn at any time.

6.Disclosure of Personal Data

cow188 does not sell, rent, or trade your personal data to third parties for commercial purposes. We may disclose personal data to the following categories of recipients, strictly on a need-to-know basis:

• PAGCOR and Philippine regulatory authorities — as required by our operating licence and applicable law, including mandatory reporting under the Anti-Money Laundering Act;
• Payment service providers — GCash, PayMaya, BPI, BDO, Metrobank, InstaPay, and PESONet, solely for the purpose of processing your transactions;
• Game technology providers — JILI Games, PG Soft, Pragmatic Play, and other certified game studios, to the extent required for game delivery, RNG certification, and audit purposes;
• KYC and identity verification service providers — third-party identity verification platforms engaged to assist cow188 in meeting its regulatory KYC obligations;
• IT and platform service providers — hosting, security, and technical infrastructure providers who process data under strict data processing agreements;
• Law enforcement and courts — where disclosure is required by a valid court order, subpoena, or mandatory legal process under Philippine law.

7.Data Retention

cow188 retains personal data for as long as is necessary to fulfil the purposes for which it was collected, and to comply with our legal and regulatory obligations. Specific retention periods include:

• Account and KYC data — retained for a minimum of five (5) years following account closure, as required by PAGCOR licensing conditions and the Anti-Money Laundering Act;
• Financial transaction records — retained for a minimum of five (5) years in compliance with AMLC record-keeping requirements;
• Game session and betting records — retained for three (3) years to support dispute resolution and audit requirements;
• Support communications — retained for two (2) years following the close of each support interaction;
• Marketing preference data — retained until you withdraw consent, after which opt-in records are retained for two (2) years for compliance documentation.

Upon expiry of applicable retention periods, personal data is securely deleted or anonymised in accordance with our data lifecycle management procedures.

8.Cookies and Tracking Technologies

The cow188 platform uses cookies and similar tracking technologies to deliver and improve the Platform experience. The categories of cookies used are as follows:

• Strictly Necessary Cookies — required for the Platform to function. These include session authentication cookies and security tokens. These cannot be disabled without breaking core Platform functionality.
• Performance and Analytics Cookies — used to understand how Players interact with the cow188 platform, including which game categories are most visited and how navigation is used. Data is aggregated and anonymised.
• Functional Cookies — used to remember your preferences, such as language settings and game lobby view preferences, across sessions.
• Marketing Cookies — used, with your consent, to deliver relevant promotional content about cow188 to you across our own platform. cow188 does not use third-party advertising networks that would track you across external websites.

You may manage cookie preferences via your browser settings. Disabling non-essential cookies will not prevent you from using the core cow188 platform but may affect certain personalisation features.

9.Data Security

cow188 implements a comprehensive set of technical and organisational security measures to protect your personal data against unauthorised access, disclosure, alteration, and destruction. These measures include:

• 256-bit SSL/TLS encryption for all data transmitted between your device and the cow188 platform;
• Encryption at rest for sensitive personal data and financial records stored on our servers;
• Role-based access controls limiting internal access to personal data to staff with a legitimate operational need;
• Multi-factor authentication requirements for all administrative access to production systems;
• Regular independent security audits and penetration testing conducted by qualified cybersecurity professionals;
• Continuous automated monitoring for anomalous access patterns and potential security incidents.

In the event of a personal data breach that poses a risk to Player rights and freedoms, cow188 will notify the National Privacy Commission (NPC) within seventy-two (72) hours of becoming aware of the breach, and will notify affected Players without undue delay, as required by the Data Privacy Act of 2012 and its Implementing Rules.

10.Your Rights as a Data Subject

Under the Data Privacy Act of 2012, you have the following rights with respect to your personal data held by cow188:

• Right to be Informed — the right to know the purposes for which your personal data is being collected and processed;
• Right of Access — the right to request a copy of the personal data cow188 holds about you;
• Right to Rectification — the right to request correction of any inaccurate or incomplete personal data in your cow188 account;
• Right to Erasure or Blocking — the right to request deletion or blocking of personal data that is no longer necessary for the purpose for which it was collected, subject to retention obligations under PAGCOR licensing and AML law;
• Right to Data Portability — the right to receive your personal data in a structured, commonly used format where technically feasible;
• Right to Object — the right to object to processing of your personal data for direct marketing purposes at any time;
• Right to Lodge a Complaint — the right to file a complaint with the National Privacy Commission of the Philippines if you believe your data privacy rights have been violated.

To exercise any of the above rights, please contact cow188's Data Protection Officer via live support chat or at [email protected]. cow188 will respond to verified data subject requests within thirty (30) calendar days.

11.Children and Minors

The cow188 platform is strictly restricted to individuals who are twenty-one (21) years of age or older. cow188 does not knowingly collect personal data from individuals under the age of 21. If cow188 becomes aware that personal data has been collected from a minor, that data will be immediately deleted, the associated account will be permanently closed, and the matter will be reported to PAGCOR as required by our operating licence. If you believe a minor has registered on the cow188 platform, please contact us immediately via live support chat.

12.Changes to This Policy

cow188 may update this Privacy Policy from time to time to reflect changes in our data processing practices, applicable law, or PAGCOR regulatory requirements. The effective date at the top of this page will be updated when material changes are made. Where changes are significant, cow188 will notify registered Players by email or by prominent notice upon login. Your continued use of the Platform following notification of an updated Privacy Policy constitutes your acceptance of the revised terms.

13.Contact and Data Protection Officer

For any questions, concerns, or requests relating to this Privacy Policy or the processing of your personal data by cow188, please contact our Data Protection Officer:

You also have the right to lodge a complaint with the National Privacy Commission of the Philippines (NPC) if you believe your rights under the Data Privacy Act of 2012 have not been respected by cow188.