pjko Privacy Policy — How We Handle Your Personal Data

1. Introduction

This Privacy Policy explains how pjko ("the Platform", "we", "us") collects, uses, stores, and protects the personal data of players who register and use the pjko platform. It applies to all users of pjko, including registered account holders and visitors who browse the platform without registering.

pjko is committed to handling your personal data responsibly. We understand that privacy matters — especially when it comes to a platform that handles financial transactions and personal identity information. This policy is written to be clear and readable, not to obscure what we do with your data behind legal language.

By registering a pjko account or using the platform, you confirm that you have read and understood this Privacy Policy. This policy should be read alongside the pjko Terms and Conditions, which govern your overall use of the platform.

2. Data We Collect

pjko collects personal data in two ways: information you provide directly, and information collected automatically when you use the platform. Below is a full breakdown of both categories.

Information you provide directly:

• Full name and date of birth (required for account registration and age verification).
• Email address and mobile phone number.
• Mobile money account details (bKash, Nagad, or Rocket number) used for deposits and withdrawals.
• Identity documents submitted during KYC verification, such as a National ID card or passport.
• Any information you provide when contacting pjko support via live chat or email.

Information collected automatically:

• IP address and approximate geographic location at the time of login.
• Device type, operating system, and browser version.
• Session data including login times, pages visited, and time spent on the platform.
• Betting and transaction history associated with your account.
• Cookie data as described in Section 8 of this policy.

3. How We Use Your Data

pjko uses the personal data we collect for specific, legitimate purposes. We do not use your data for anything beyond what is described here without first obtaining your explicit consent.

• Account management: To create, maintain, and secure your pjko account, including verifying your identity and age.
• Payment processing: To process deposits and withdrawals via bKash, Nagad, and Rocket, and to maintain accurate transaction records.
• Fraud prevention and security: To detect and prevent fraudulent activity, money laundering, and unauthorised account access.
• Regulatory compliance: To meet the obligations imposed on pjko as a licensed gaming operator, including anti-money-laundering (AML) and know-your-customer (KYC) requirements.
• Customer support: To respond to your queries, complaints, and requests through live chat and email.
• Responsible gaming: To monitor betting patterns and identify players who may need support, in line with pjko's responsible gaming commitments.
• Platform improvement: To analyse usage patterns and improve the performance, design, and features of the pjko platform.
• Marketing communications: To send you promotional offers and updates, but only if you have opted in to receive them. You can opt out at any time.

4. Legal Basis for Processing

pjko processes your personal data on the following legal grounds, depending on the specific purpose of the processing:

• Contractual necessity: Processing required to fulfil the agreement between you and pjko — for example, processing your deposits and withdrawals, and maintaining your account.
• Legal obligation: Processing required to comply with applicable laws and regulations, including AML and KYC obligations imposed on licensed gaming operators.
• Legitimate interests: Processing carried out for pjko's legitimate business interests, such as fraud prevention, platform security, and responsible gaming monitoring, where these interests are not overridden by your rights.
• Consent: Processing based on your explicit consent, such as sending marketing communications. You may withdraw consent at any time without affecting the lawfulness of processing carried out before withdrawal.

5. Data Sharing

pjko does not sell your personal data. We share your data only in the following limited circumstances, and only to the extent necessary for the stated purpose:

• Payment processors: Your mobile money account details are shared with bKash, Nagad, and Rocket solely to process your transactions. These providers operate under their own privacy policies and data protection obligations.
• Identity verification providers: During KYC checks, your identity documents may be processed by a third-party verification service. These providers are contractually bound to handle your data securely and use it only for verification purposes.
• Regulatory and law enforcement authorities: pjko may be required by law to disclose certain data to regulatory bodies, law enforcement agencies, or courts. We will only do so when legally compelled and will notify you where permitted by law.
• Fraud prevention agencies: In cases of suspected fraud or money laundering, relevant data may be shared with fraud prevention organisations to protect the platform and its users.
• Business transfers: In the event of a merger, acquisition, or sale of pjko's business, your data may be transferred to the acquiring entity. You will be notified of any such transfer and your rights will be preserved.

6. Data Retention

pjko retains your personal data for as long as your account is active and for a defined period after account closure, as required by applicable law and our licensing obligations.

• Account data and transaction records are retained for a minimum of 5 years after account closure, in line with standard AML regulatory requirements for licensed gaming operators.
• Identity verification documents are retained for the same 5-year period and then securely deleted.
• Support communications (live chat transcripts and emails) are retained for 2 years from the date of the interaction.
• Technical and usage data (session logs, IP records) are retained for 12 months and then automatically purged.
• Marketing consent records are retained for as long as you remain opted in, plus 1 year after opt-out for compliance purposes.

When data is no longer required, pjko deletes or anonymises it securely. Anonymised data — where it is no longer possible to identify you from the data — may be retained indefinitely for statistical and analytical purposes.

7. Security Measures

pjko takes the security of your personal data seriously. The platform employs a range of technical and organisational measures to protect your data against unauthorised access, loss, or disclosure.

• All data in transit is encrypted using TLS 1.2 or higher.
• Sensitive data at rest, including payment details and identity documents, is encrypted using AES-256 encryption.
• Access to personal data within pjko is restricted on a need-to-know basis and protected by role-based access controls.
• All internal data access is logged and subject to regular audit.
• pjko's infrastructure is hosted on secure, ISO-certified data centres with physical access controls.
• The platform undergoes regular penetration testing and vulnerability assessments by independent security specialists.
• Staff who handle personal data receive regular training on data protection and security best practices.

8. Cookies

pjko uses cookies and similar tracking technologies to make the platform work properly and to improve your experience. A cookie is a small text file stored on your device when you visit the platform.

pjko uses the following types of cookies:

• Essential cookies: Required for the platform to function. These include session cookies that keep you logged in and security cookies that protect against cross-site request forgery. These cannot be disabled.
• Functional cookies: Remember your preferences, such as language settings and display options, so you do not have to reset them every time you visit.
• Analytics cookies: Help pjko understand how players use the platform — which pages are visited most, where users drop off, and how performance can be improved. Data collected is aggregated and anonymised.
• Marketing cookies: Used only if you have consented to receive personalised offers. These track whether you have clicked on a promotion so we can measure its effectiveness.

You can manage your cookie preferences through your browser settings. Disabling essential cookies will affect the functionality of the pjko platform. Disabling analytics or marketing cookies will not affect your ability to use the platform.

9. Your Privacy Rights

As a pjko user, you have the following rights over your personal data. To exercise any of these rights, contact the pjko support team at [email protected] with the subject line "Privacy Request".

10. Minors

pjko is strictly an 18+ platform. We do not knowingly collect personal data from anyone under the age of 18. If you are a parent or guardian and believe that a minor has registered on pjko, please contact us immediately at [email protected]. We will investigate and, if confirmed, close the account and delete all associated personal data without delay.

pjko uses age verification checks during registration to prevent minors from accessing the platform. These checks are a mandatory part of the registration process and cannot be bypassed.

11. Changes to This Privacy Policy

pjko may update this Privacy Policy from time to time to reflect changes in our data practices, legal obligations, or platform features. When we make changes, the updated policy will be published on this page with a revised "Last Updated" date.

For significant changes that materially affect how we use your personal data, pjko will notify registered players via email before the changes take effect. Your continued use of the platform after the effective date of any update constitutes acceptance of the revised Privacy Policy.

We recommend reviewing this page periodically to stay informed about how pjko protects your privacy. If you have any concerns about a change to this policy, contact the support team before the change takes effect.

12. Contact Us

If you have any questions about this Privacy Policy, want to exercise your data rights, or have a concern about how pjko handles your personal data, please get in touch:

• Email: [email protected] — use the subject line "Privacy Request" for data rights queries.
• Live Chat: Available 24/7 directly from the pjko platform after logging in.
• FAQ: Visit the FAQ page for answers to common questions about accounts and data.

For formal privacy complaints, pjko operates a structured complaints process. Submit your complaint in writing to [email protected]. We will acknowledge your complaint within 24 hours and provide a full written response within 5 business days.