PHCash24 Privacy Policy

1. Introduction

PHCash24 ("PHCash24," "we," "us," or "our") is committed to protecting the privacy and personal data of all players and visitors who use the PHCash24 online gaming platform at phcash24.net and through the PHCash24 mobile application (collectively, the "Platform").

This Privacy Policy ("Policy") describes how PHCash24 collects, uses, stores, shares, and protects your personal data when you register for an account, make deposits or withdrawals, play games, contact our support team, or otherwise interact with the PHCash24 Platform. It also explains the rights you have in relation to your personal data and how you can exercise those rights.

This Policy forms part of the PHCash24 Terms & Conditions. By registering on PHCash24 or otherwise 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. If you do not agree with this Policy, you must not use the PHCash24 Platform.

2. Data Controller

For the purposes of applicable Philippine data privacy law, PHCash24 is the data controller responsible for the personal data collected through the Platform. As data controller, PHCash24 determines the purposes and means of processing your personal data.

If you have any questions about how PHCash24 handles your personal data, or if you wish to exercise any of your data subject rights, you may contact our Data Privacy Officer at: [email protected]

3. Personal Data We Collect

PHCash24 collects the following categories of personal data from players and Platform visitors:

3.1 Identity and Registration Data

• Full legal name as it appears on your government-issued Philippine identification document
• Date of birth (used to verify the 21+ age requirement)
• Gender (optional, where provided during registration)
• Philippine mobile number and email address
• Username and encrypted password
• Copies of government-issued identification documents submitted for KYC verification (e.g., PhilSys card, passport, driver's license, UMID)
• Proof of address documents (e.g., utility bill, bank statement)

3.2 Financial and Transaction Data

• Deposit and withdrawal transaction records, including amounts, dates, and payment method references
• GCash, PayMaya, BPI, BDO, Metrobank, or UnionBank account identifiers (reference numbers only — PHCash24 does not store full bank account numbers or card numbers)
• Transaction history and account balance records
• Source of funds information where requested for compliance purposes

3.3 Gaming Activity Data

• Game session records, including games played, wagers placed, and outcomes
• Bonus and promotion usage history
• Responsible gaming tool settings (deposit limits, session reminders, self-exclusion status)

3.4 Technical and Device Data

• IP address and approximate geographic location
• Device type, operating system, and browser information
• Session timestamps and login history
• Cookie identifiers and similar tracking data (see Section 9)

3.5 Communications Data

• Records of communications between you and PHCash24 support, including live chat transcripts, emails, and support ticket records
• Survey responses and feedback submitted through the Platform

4. How We Collect Your Data

PHCash24 collects personal data through the following means:

• Directly from you: When you register an account, complete K YC verification, make deposits or withdrawals, contact our support team, respond to surveys, or otherwise interact with the PHCash24 Platform.
• Automatically: When you access the Platform, we automatically collect technical and device data through cookies, log files, and similar technologies. This includes your IP address, browser type, device identifiers, and session activity.
• From third-party payment processors: When you make a deposit or withdrawal via GCash, PayMaya, BPI, BDO, Metrobank, or UnionBank, we receive transaction confirmation data from those payment providers to verify and record your transaction.
• From identity verification services: PHCash24 may use third-party KYC and identity verification service providers to assist in verifying the authenticity of identification documents submitted by players.
• From fraud prevention and analytics providers: PHCash24 may receive data from third-party fraud detection and analytics services to help identify suspicious activity and protect the integrity of the Platform.

5. How We Use Your Personal Data

PHCash24 uses the personal data we collect for the following purposes:

6. Legal Basis for Processing

PHCash24 processes your personal data on the following legal bases under the Philippine Data Privacy Act of 2012:

• Contractual necessity: Processing is necessary to perform our obligations under the PHCash24 Terms & Conditions, including account management, payment processing, and game provision.
• Legal obligation: Processing is required to comply with applicable Philippine laws and regulations, including anti-money laundering laws, gaming regulations, and tax reporting obligations.
• Legitimate interests: Processing is necessary for PHCash24's legitimate interests in fraud prevention, platform security, responsible gaming monitoring, and improving our services, provided those interests are not overridden by your rights and interests.
• Consent: Where PHCash24 relies on your consent as the legal basis for processing — such as for sending promotional communications — you have the right to withdraw that consent at any time without affecting the lawfulness of processing carried out prior to withdrawal.

7. Sharing Your Personal Data

PHCash24 does not sell, rent, or trade your personal data to third parties. We may share your personal data with the following categories of recipients only to the extent necessary for the purposes described in this Policy:

• Payment processors: GCash, PayMaya, BPI, BDO, Metrobank, UnionBank, and other payment service providers, for the purpose of processing your deposits and withdrawals.
• Identity verification providers: Third-party KYC and document verification service providers engaged by PHCash24 to assist with player identity verification.
• Fraud prevention and security providers: Third-party services that assist PHCash24 in detecting and preventing fraudulent activity, money laundering, and other security threats.
• Game software providers: Licensed game suppliers whose games are available on the PHCash24 Platform may receive limited session and gameplay data necessary to operate their games.
• IT and hosting providers: Third-party cloud hosting and infrastructure providers that store and process Platform data on behalf of PHCash24 under strict data processing agreements.
• Regulatory and law enforcement authorities: PHCash24 may disclose personal data to Philippine gaming regulatory authorities, law enforcement agencies, or courts where required to do so by applicable law, court order, or regulatory direction.
• Professional advisors: Legal, accounting, and compliance advisors engaged by PHCash24, subject to professional confidentiality obligations.

All third parties with whom PHCash24 shares personal data are required to handle that data in accordance with applicable Philippine data privacy law and PHCash24's data protection standards. PHCash24 does not authorize any third party to use your personal data for their own independent marketing or commercial purposes.

8. Data Retention

PHCash24 retains your personal data for as long as your account remains active and for such additional period as is necessary to comply with our legal, regulatory, and contractual obligations. The following general retention periods apply:

• Account and identity data: Retained for the duration of your account and for a minimum of five (5) years following account closure, in accordance with applicable anti-money laundering and gaming regulatory requirements.
• Transaction and financial records: Retained for a minimum of five (5) years from the date of each transaction, as required by Philippine financial regulations.
• Gaming activity records: Retained for a minimum of three (3) years from the date of each gaming session.
• Communications and support records: Retained for a minimum of two (2) years from the date of each communication.
• Technical and device data: Retained for up to twelve (12) months from collection, unless required for longer retention for security or fraud investigation purposes.

Upon expiry of the applicable retention period, PHCash24 will securely delete or anonymize your personal data in accordance with our data disposal procedures. Where data is anonymized rather than deleted, the anonymized data may be retained indefinitely for analytical purposes.

9. Cookies and Similar Technologies

PHCash24 uses cookies and similar tracking technologies on the Platform to enhance your user experience, maintain your session, and analyze Platform performance. A cookie is a small text file placed on your device when you visit the Platform.

9.1 Types of Cookies We Use

• Strictly necessary cookies: These cookies are essential for the Platform to function correctly. They enable core features such as account login, session management, and security. These cookies cannot be disabled.
• Functional cookies: These cookies remember your preferences and settings on the PHCash24 Platform, such as your preferred language and display settings, to provide a more personalized experience.
• Analytics cookies: PHCash24 uses analytics cookies to collect aggregated, anonymized data about how players use the Platform. This helps us understand which features are most used and where improvements can be made. No personally identifiable information is collected through analytics cookies.
• Security cookies: These cookies assist PHCash24 in detecting and preventing fraudulent activity, unauthorized access, and other security threats on the Platform.

9.2 Managing Cookies

You can control and manage cookies through your browser settings. Most browsers allow you to refuse or delete cookies. Please note that disabling strictly necessary cookies may affect the functionality of the PHCash24 Platform and prevent you from accessing certain features, including account login.

10. Data Security

PHCash24 implements a comprehensive set of technical and organizational security measures to protect your personal data against unauthorized access, disclosure, alteration, loss, or destruction. These measures include:

• Transport Layer Security (TLS) encryption for all data transmitted between your device and the PHCash24 Platform
• Encryption of sensitive data at rest, including identity documents and financial records
• Role-based access controls limiting access to personal data to authorized PHCash24 personnel on a need-to-know basis
• Regular security assessments and vulnerability testing of Platform infrastructure
• Multi-factor authentication requirements for administrative access to PHCash24 systems
• Continuous monitoring of Platform systems for suspicious activity and potential security incidents
• Staff training on data privacy and security obligations

While PHCash24 takes all reasonable steps to protect your personal data, no method of electronic transmission or storage is completely secure. PHCash24 cannot guarantee absolute security of data transmitted over the internet. You are responsible for maintaining the security of your PHCash24 account credentials and for notifying us immediately if you suspect any unauthorized access to your account.

In the event of a personal data breach that is likely to result in a risk to your rights and freedoms, PHCash24 will notify the National Privacy Commission and affected players in accordance with the requirements of the Philippine Data Privacy Act of 2012.

11. Your Data Subject Rights

Under the Philippine Data Privacy Act of 2012, you have the following rights in relation to your personal data held by PHCash24:

• Right to be informed: You have the right to be informed about how PHCash24 collects and processes your personal data, as set out in this Policy.
• Right of access: You have the right to request a copy of the personal data PHCash24 holds about you, along with information about how it is being processed.
• Right to rectification: You have the right to request correction of any inaccurate or incomplete personal data PHCash24 holds about you. You may update certain account information directly through your PHCash24 account settings.
• Right to erasure: You have the right to request deletion of your personal data where it is no longer necessary for the purposes for which it was collected, subject to PHCash24's legal and regulatory retention obligations.
• Right to object: You have the right to object to the processing of your personal data where PHCash24 relies on legitimate interests as the legal basis for processing, or where your data is processed for direct marketing purposes.
• Right to data portability: You have the right to receive a copy of your personal data in a structured, commonly used, and machine-readable format, where technically feasible.
• Right to withdraw consent: Where PHCash24 processes your personal data on the basis of your consent, you have the right to withdraw that consent at any time. Withdrawal of consent does not affect the lawfulness of processing carried out prior to 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 that PHCash24 has processed your personal data in violation of the Data Privacy Act of 2012.

To exercise any of your data subject rights, please contact PHCash24's Data Privacy Officer at [email protected]. PHCash24 will respond to all data subject requests within thirty (30) days of receipt, in accordance with the requirements of the Data Privacy Act of 2012. PHCash24 may request proof of identity before processing any data subject request.

12. Children's Privacy and Age Restriction

The PHCash24 Platform is strictly intended for persons who are at least 21 years of age. PHCash24 does not knowingly collect personal data from individuals under the age of 21. The 21+ minimum age requirement is enforced through our registration process and KYC verification procedures.

If PHCash24 becomes aware that personal data has been collected from a person under the age of 21, we will take immediate steps to delete that data and close the associated account. If you believe that PHCash24 may have inadvertently collected data from an underage individual, please contact us immediately at [email protected].

13. Third-Party Links and Services

The PHCash24 Platform may contain links to third-party websites or services, such as payment provider portals. This Privacy Policy applies only to the PHCash24 Platform and does not cover the privacy practices of any third-party websites or services. PHCash24 is not responsible for the privacy practices or content of any third-party sites. We encourage you to review the privacy policies of any third-party services you access through or in connection with the PHCash24 Platform.

14. Changes to This Privacy Policy

PHCash24 reserves the right to update or amend this Privacy Policy at any time to reflect changes in our data processing practices, applicable law, or Platform features. The date of the most recent revision will be displayed at the top of this page.

Where changes to this Policy are material, PHCash24 will provide reasonable notice to registered players via email or an in-platform notification prior to the changes taking effect. Your continued use of the PHCash24 Platform following the effective date of any amendment constitutes your acceptance of the revised Policy.

We encourage you to review this Privacy Policy periodically to stay informed about how PHCash24 protects your personal data. If you have any concerns about any changes to this Policy, please contact our Data Privacy Officer before continuing to use the Platform.

15. Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or PHCash24's handling of your personal data, please contact our Data Privacy Officer:

PHCash24 Data Privacy Officer
Email: [email protected]

Our support team is available 24 hours a day, 7 days a week. For general platform questions, please visit our FAQ page. For responsible gaming support, please visit our Responsible Gaming page.