Privacy Policy

This Privacy Policy explains how zc99 collects, uses, stores, and protects the personal data of users who access the zc99 platform at https://zc99.app and any associated applications ("Platform"). By registering an account or using the Platform, you acknowledge that you have read and understood this Privacy Policy and consent to the data practices described herein. If you do not agree with any part of this policy, you should not use the zc99 Platform.

1. Information We Collect

zc99 collects two broad categories of information: information you provide directly, and information collected automatically through your use of the Platform.

Information you provide directly includes:

• Full name and date of birth (used for identity verification and age confirmation)
• Pakistani mobile number used at registration
• Username and password (password is stored in encrypted form only)
• Payment details — including JazzCash account numbers, Easypaisa wallet numbers, bank account details (HBL, UBL, Meezan Bank, Bank Alfalah), and USDT TRC20 wallet addresses submitted for deposits and withdrawals
• Identity documents submitted for Know Your Customer (KYC) verification, such as National Identity Card (CNIC) copies
• Communications you send to the zc99 support team, including chat transcripts and email correspondence

Information collected automatically includes:

• IP address and approximate geographic location derived from IP
• Device type, operating system version, and browser or app version
• Session data including login timestamps, session duration, and pages visited
• Betting history, game activity, wagering amounts, and transaction records
• Responsible gaming tool usage, including limit settings and self-exclusion records
• Cookies and similar tracking technologies (see Section 7)

2. How We Collect Your Information

zc99 collects information through the following channels:

• Account registration and profile updates: Information submitted when creating or updating your zc99 account.
• Transaction processing: Data exchanged with payment providers such as JazzCash and Easypaisa when you make deposits or request withdrawals.
• Platform usage: Automatic collection of activity data as you navigate the zc99 Platform — betting, gaming, browsing game categories, and using account tools.
• Customer support interactions: Any information shared when you contact zc99 support via live chat or other channels.
• KYC and verification processes: Documents and data provided when completing identity verification.
• Cookies and analytics tools: Technical data collected via cookies set by the zc99 Platform itself (see Section 7).

3. How We Use Your Information

zc99 uses the personal data collected for the following purposes:

• Account management: Creating and maintaining your zc99 account, verifying your identity and age, and authenticating your login sessions.
• Transaction processing: Processing PKR deposits and withdrawals via JazzCash, Easypaisa, and banking channels; maintaining accurate financial records.
• Platform operation: Providing access to cricket betting, live casino, slot games, Dragon Tiger, Triple, and all other features of the zc99 Platform.
• Regulatory compliance: Meeting legal obligations including age verification, anti-money laundering (AML) checks, and fraud prevention.
• Responsible gaming: Monitoring account activity to identify potential problem gambling behaviour and enabling the deposit limits, session limits, and self-exclusion tools offered to all zc99 account holders.
• Customer support: Responding to your queries, resolving complaints, and providing technical assistance.
• Platform improvement: Analysing aggregated, anonymised usage data to improve the zc99 Platform's features, performance, and user experience.
• Security: Detecting, investigating, and preventing fraudulent activity, unauthorised account access, and abuse of the zc99 Platform.
• Communications: Sending transactional notifications (deposit confirmations, withdrawal updates, account alerts) and, where you have consented, promotional communications about zc99 offers relevant to cricket betting, casino games, and slots.

4. Legal Basis for Processing

zc99 processes your personal data on the following legal bases, as applicable:

• Contractual necessity: Processing required to deliver the services you have requested — account registration, deposits, withdrawals, game access.
• Legal obligation: Processing required for zc99 to comply with applicable legal requirements, including AML obligations and age verification.
• Legitimate interests: Processing carried out for fraud prevention, security monitoring, platform improvement, and responsible gaming monitoring, where those interests are not overridden by your data protection rights.
• Consent: Where zc99 relies on your consent — for example for promotional communications — you may withdraw that consent at any time by contacting support or updating your account communication preferences.

5. Sharing Your Information

zc99 does not sell your personal data to third parties. zc99 may share your data with the following categories of third parties only to the extent necessary for the purposes described in this Privacy Policy:

• Payment processors: JazzCash, Easypaisa, HBL, UBL, Meezan Bank, Bank Alfalah, and USDT payment providers, to process your transactions.
• Identity verification providers: Third-party KYC services used to verify your identity and age in compliance with applicable regulations.
• Game content providers: Licensed game studios whose titles appear on the zc99 Platform, where technical integration requires the sharing of session identifiers or wallet references.
• Technology and hosting providers: Infrastructure, cloud hosting, and security service providers who process data on zc99's behalf under binding data processing agreements.
• Regulatory and law enforcement authorities: Where zc99 is required by law or a valid regulatory request to disclose your information.

Any third party that processes your data on behalf of zc99 is required to do so only for the specified purposes and under confidentiality and data protection obligations consistent with this Privacy Policy.

6. Payment Data and Financial Information

Financial data provided for deposit and withdrawal transactions — including JazzCash numbers, Easypaisa wallet references, and bank account details — is transmitted using industry-standard encryption protocols. zc99 does not store full payment credentials beyond what is necessary to process the specific transaction and to maintain required financial records.

Payment data is never shared with third parties for marketing purposes. It is shared only with the relevant payment processor for transaction execution and with regulatory authorities where legally required.

7. Cookies and Tracking Technologies

The zc99 Platform uses cookies and similar technologies — including session tokens and local storage — to support core platform functionality, maintain your login session, and collect aggregated analytics data.

Types of cookies used by zc99:

• Essential cookies: Required for the Platform to function. These include session authentication tokens and security cookies. The Platform cannot function without them.
• Functional cookies: Remember your preferences, such as language settings or responsible gaming limit configurations.
• Analytics cookies: Collect anonymised data about how users interact with the Platform to help zc99 improve usability and performance.

You may control non-essential cookies through your browser settings. Disabling essential cookies will impair your ability to use the zc99 Platform, including the ability to maintain a logged-in session.

8. Data Retention

zc99 retains your personal data for as long as your account remains active and for a reasonable period thereafter, or for as long as required to fulfil the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce agreements.

Transaction records and betting history are retained for periods specified by applicable financial record-keeping requirements. KYC documentation is retained for the period required by applicable anti-money laundering regulations. Upon verified account closure, zc99 will delete or anonymise personal data that is no longer required, subject to any legal retention obligations that override deletion.

9. Data Security

zc99 implements technical and organisational measures designed to protect your personal data against unauthorised access, accidental loss, alteration, or disclosure. These measures include 256-bit SSL/TLS encryption for data in transit, encrypted storage for sensitive account credentials, access controls limiting staff access to personal data on a need-to-know basis, and regular security assessments of Platform infrastructure.

No data transmission over the internet or storage system can be guaranteed as completely secure. While zc99 employs robust security practices, we cannot warrant absolute security. You are responsible for maintaining the confidentiality of your zc99 login credentials. If you believe your account has been compromised, contact support immediately.

10. Your Rights as a Data Subject

Subject to applicable law and the terms of your account agreement with zc99, you may have the following rights with respect to your personal data:

• Right of access: Request a copy of the personal data zc99 holds about you.
• Right to rectification: Request correction of inaccurate or incomplete personal data.
• Right to erasure: Request deletion of your personal data where zc99 no longer has a legal basis to retain it, subject to any conflicting legal retention obligations.
• Right to restrict processing: Request that zc99 limit the processing of your data in certain circumstances.
• Right to data portability: Request a copy of your personal data in a commonly used, machine-readable format where technically feasible.
• Right to withdraw consent: Where zc99 processes your data on the basis of your consent, you may withdraw that consent at any time without affecting the lawfulness of processing prior to withdrawal.

To exercise any of these rights, contact the zc99 support team. Requests will be acknowledged within a reasonable timeframe and fulfilled subject to identity verification and applicable legal constraints.

11. Children's Privacy

The zc99 Platform is strictly for persons aged 18 years and above. zc99 does not knowingly collect personal data from any individual under the age of 18. If zc99 becomes aware that personal data has been collected from a person under 18, that data will be deleted and the associated account closed immediately. If you believe a minor has accessed the zc99 Platform, please contact support without delay so that appropriate action can be taken.

12. Cross-Border Data Transfers

zc99 may transfer your personal data to servers or service providers located outside Pakistan where necessary for Platform operation. Any such transfer is subject to appropriate safeguards to ensure that your data receives a level of protection consistent with this Privacy Policy. By using the zc99 Platform, you consent to such transfers where applicable.

13. Changes to This Privacy Policy

zc99 reserves the right to update this Privacy Policy at any time. Material changes will be communicated to registered users via the contact details held on their account or by prominent notice on the Platform. The effective date at the top of this policy will be updated whenever material changes are made. Continued use of the zc99 Platform after any update constitutes your acceptance of the revised Privacy Policy.

14. Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or the handling of your personal data by zc99, please contact the support team. Support is available 24 hours a day, seven days a week via live chat on the Platform. You may also write to: [email protected]