Privacy Policy

1. Introduction

cow88 Casino ("cow88," "we," "us," or "our") is committed to protecting the privacy and personal data of all users of the cow88 online gaming platform, accessible at cow88.vip. This Privacy Policy describes how cow88 collects, uses, stores, shares, and protects personal information provided by or collected from players and visitors based in the Philippines and elsewhere.

This Privacy Policy forms part of the cow88 Terms and Conditions and should be read alongside them. By registering an account on cow88 or by continuing to use the platform, you acknowledge that you have read and understood this Privacy Policy and consent to the collection and processing of your personal data as described herein.

cow88 acts as the data controller in respect of personal data collected through the cow88 platform. If you have any questions about how cow88 handles your personal data, please refer to the contact details in Section 14 of this Policy.

2. Personal Data We Collect

cow88 collects the following categories of personal data from players and platform visitors:

cow88 does not collect sensitive personal data such as racial or ethnic origin, political opinions, religious beliefs, or biometric data beyond what is strictly required for identity verification purposes under applicable Philippine law.

3. How We Collect Your Data

cow88 collects personal data through the following means:

• Direct interactions: Data you provide when registering a cow88 account, completing identity verification, making deposits or withdrawals, contacting support, or participating in promotions.
• Automated technologies: Technical and usage data collected automatically when you access the cow88 platform, including through cookies, web beacons, server logs, and similar tracking technologies.
• Third-party sources: Identity and fraud-check data received from third-party verification providers, payment processors (such as GCash and Maya), and financial institutions in connection with transaction processing.
• Regulatory sources: Information received from PAGCOR or other competent Philippine authorities in connection with regulatory compliance obligations.

4. How We Use Your Personal Data

cow88 uses the personal data it collects for the following purposes:

• To create, verify, and manage your cow88 player account.
• To process deposits and withdrawals in Philippine Peso (PHP) via GCash, Maya, and Philippine bank transfers.
• To verify your age (21+) and identity in compliance with Philippine gaming regulations.
• To detect, investigate, and prevent fraud, money laundering, and other illegal activities.
• To monitor gameplay for responsible gaming purposes and to enforce self-exclusion or account restriction requests.
• To provide customer support and resolve disputes.
• To send transactional communications related to your account, including deposit confirmations, withdrawal notifications, and security alerts.
• To send marketing communications about cow88 promotions, bonuses, and new games — where you have consented to receive such communications.
• To analyze platform usage and improve the cow88 gaming experience.
• To comply with applicable Philippine laws, PAGCOR regulations, and any lawful requests from competent authorities.

5. Legal Basis for Processing

cow88 processes your personal data on the following legal bases under the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and applicable regulations:

• Contractual necessity: Processing required to perform the contract between you and cow88, including account management, payment processing, and game provision.
• Legal obligation: Processing required to comply with applicable Philippine laws and PAGCOR regulatory requirements, including anti-money laundering (AML) obligations and age verification.
• Legitimate interests: Processing necessary for cow88's legitimate business interests, including fraud prevention, platform security, and responsible gaming monitoring, where such interests are not overridden by your rights.
• Consent: Processing based on your freely given, specific, and informed consent — primarily for marketing communications. You may withdraw consent at any time without affecting the lawfulness of prior processing.

6. Data Sharing and Disclosure

cow88 does not sell, rent, or trade your personal data to third parties for their own marketing purposes. cow88 may share your personal data with the following categories of recipients, strictly on a need-to-know basis:

• Payment processors: GCash, PayMaya (Maya), and Philippine banking partners (BPI, BDO, Metrobank, UnionBank, Landbank, PNB, Security Bank) for the purpose of processing financial transactions.
• Identity verification providers: Third-party KYC (Know Your Customer) service providers engaged to verify player identity and age in compliance with Philippine regulations.
• Technology and hosting providers: Cloud infrastructure, cybersecurity, and platform technology vendors who process data on cow88's behalf under strict data processing agreements.
• Regulatory and law enforcement authorities: PAGCOR, the Anti-Money Laundering Council (AMLC), the National Privacy Commission (NPC), and other competent Philippine authorities, where disclosure is required by law or regulatory obligation.
• Professional advisers: Legal counsel, auditors, and compliance consultants, subject to professional confidentiality obligations.

All third parties with whom cow88 shares personal data are required to maintain appropriate technical and organizational security measures and to process data only for the specified purpose.

7. Data Retention

cow88 retains personal data for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, regulatory, accounting, or reporting requirements.

In general, cow88 retains player account data for a minimum of five (5) years following account closure, in accordance with Philippine anti-money laundering regulations and PAGCOR record-keeping requirements. Financial transaction records are retained for a minimum of five (5) years from the date of the transaction.

Where personal data is no longer required for any lawful purpose, cow88 will securely delete or anonymize it in accordance with its internal data retention and disposal procedures.

8. Data Security

cow88 implements appropriate technical and organizational measures to protect your personal data against unauthorized access, accidental loss, destruction, alteration, or disclosure. These measures include:

• Transport Layer Security (TLS) encryption for all data transmitted between your device and the cow88 platform.
• Encryption of sensitive data at rest, including financial information and identity documents.
• Role-based access controls limiting employee access to personal data on a strict need-to-know basis.
• Regular security assessments, penetration testing, and vulnerability management.
• Incident response procedures for detecting, reporting, and managing personal data breaches in accordance with the requirements of the National Privacy Commission.

While cow88 takes all reasonable steps to protect your data, no method of electronic transmission or storage is completely secure. You are responsible for maintaining the security of your cow88 login credentials and for notifying cow88 immediately if you suspect unauthorized access to your account.

9. Cookies and Tracking Technologies

cow88 uses cookies and similar tracking technologies (such as web beacons and local storage) on the cow88 platform. Cookies are small text files stored on your device that help cow88 recognize you, remember your preferences, and analyze how the platform is used.

cow88 uses the following categories of cookies:

• Strictly necessary cookies: Essential for the operation of the cow88 platform, including maintaining your login session and enabling secure transactions. These cannot be disabled.
• Functional cookies: Used to remember your preferences, such as language settings and game display options, to provide a more personalized experience.
• Analytics cookies: Used to collect aggregated, anonymized data about how players use the cow88 platform, helping cow88 improve its services and user experience.
• Marketing cookies: Used to deliver relevant cow88 promotions and offers. These are only set where you have provided consent.

You can manage or disable non-essential cookies through your browser settings at any time. Please note that disabling certain cookies may affect the functionality of the cow88 platform.

10. Your Data Rights

Under the Philippine Data Privacy Act of 2012, you have the following rights in relation to your personal data held by cow88:

• Right to be informed: You have the right to be informed about how cow88 collects and uses your personal data, as set out in this Privacy Policy.
• Right to access: You may request a copy of the personal data cow88 holds about you, along with information about how it is processed.
• Right to correction: You may request that cow88 correct any inaccurate or incomplete personal data held about you.
• Right to erasure: You may request deletion of your personal data where it is no longer necessary for the purposes for which it was collected, subject to cow88's legal retention obligations.
• Right to object: You may object to the processing of your personal data for direct marketing purposes at any time.
• Right to data portability: You may request that cow88 provide your personal data in a structured, commonly used, machine-readable format.
• Right to restrict processing: You may request that cow88 restrict the processing of your personal data in certain circumstances.
• Right to lodge a complaint: You have the right to lodge a complaint with the Philippine National Privacy Commission (NPC) if you believe cow88 has not handled your personal data in accordance with applicable law.

To exercise any of these rights, please contact cow88's support team via live chat or email. cow88 will respond to all verified data rights requests within thirty (30) days. cow88 may need to verify your identity before processing your request.

11. Children's Privacy

The cow88 platform is strictly intended for adults aged 21 years and older. cow88 does not knowingly collect personal data from individuals under the age of 21. If cow88 becomes aware that personal data has been collected from a person under 21, that account will be immediately suspended and the data deleted in accordance with cow88's data retention procedures.

If you believe that a minor has registered on the cow88 platform, please contact our support team immediately so that appropriate action can be taken.

12. Third-Party Links

The cow88 platform may contain references to third-party services such as payment providers. cow88 is not responsible for the privacy practices of any third-party services and encourages you to review the privacy policies of any third parties you interact with in connection with your use of the cow88 platform.

13. Changes to This Privacy Policy

cow88 reserves the right to update or amend this Privacy Policy at any time to reflect changes in applicable law, regulatory requirements, or cow88's data processing practices. When material changes are made, cow88 will notify registered players via email or an in-platform notification, and the updated Policy will be published on this page with a revised effective date.

Your continued use of the cow88 platform following the publication of a revised Privacy Policy constitutes your acceptance of the changes. If you do not agree with the revised Policy, you must cease using the platform and may request account closure.

14. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or cow88's handling of your personal data, please contact our Data Privacy team through the following channels:

• Live Chat: Available 24/7 via the cow88 platform
• Email: [email protected]

cow88 aims to respond to all privacy-related inquiries within five (5) business days. For complaints that cannot be resolved directly with cow88, you may contact the Philippine National Privacy Commission at privacy.gov.ph.