95ko Privacy Policy

95ko is an online casino and sports betting platform operated under the brand name 95ko, accessible at https://95ko.ws. For the purposes of this Privacy Policy, 95ko acts as the data controller in respect of the personal data of all registered users and visitors to the platform. As data controller, 95ko determines the purposes for which personal data is collected and the means by which that data is processed.

This Privacy Policy governs the collection, storage, use, disclosure and protection of personal data obtained through the 95ko platform, including via the website, mobile site and any associated communications channels. By registering an account or continuing to use the 95ko platform after the effective date of this policy, you confirm that you have read and understood this Privacy Policy and consent to the data practices described within it.

95ko collects personal data that is necessary to provide the services offered on the platform, verify user eligibility, process financial transactions and comply with applicable legal obligations. The categories of personal data we collect include:

• Registration data: full name, date of birth, Bangladesh mobile number, email address and account username provided at sign-up.
• Identity verification documents: national ID card (NID), passport or other government-issued identity document as required under our KYC procedures.
• Financial data: payment method details (bKash number, Nagad number, Rocket number, bank account or card details), deposit history, withdrawal history and transaction records.
• Gameplay data: betting history, game session logs, win/loss records, bonus usage history and responsible gaming tool activations.
• Technical data: IP address, device type, browser type and version, operating system, screen resolution, session timestamps and referral source.
• Communications data: records of your interactions with the 95ko customer support team, including live chat transcripts, email correspondence and any complaints or dispute submissions.

95ko does not collect sensitive personal data such as biometric data, genetic data, racial or ethnic origin data, political opinions, religious beliefs or health information, except where explicitly required by applicable law and only to the minimum extent necessary for that legal purpose.

95ko collects personal data through the following mechanisms:

• Directly from you: when you register an account, complete identity verification, make a deposit or withdrawal, contact customer support, or respond to a survey or promotional communication.
• Automatically through technical systems: via browser cookies, session tracking, server logs and analytics tools that record how you interact with the 95ko platform.
• From payment processors: transaction confirmation data and payment status updates received from bKash, Nagad, Rocket, Upay and other payment partners when you make a deposit or withdrawal.
• From identity verification partners: verification outcome data (pass/fail) and document validity confirmation received from third-party KYC service providers where we use such providers to assist with identity checks.

95ko uses the personal data we collect for the following purposes:

• Account management: to create and maintain your account, verify your identity and age (21+), authenticate your login sessions and manage your account preferences and settings.
• Payment processing: to process your deposits and withdrawals via your chosen payment method (bKash, Nagad, Rocket, Upay, bank transfer or card), verify payment ownership and prevent chargebacks and fraudulent transactions.
• Regulatory compliance: to fulfil our anti-money laundering (AML) obligations, respond to lawful requests from regulatory or law enforcement authorities, and maintain mandatory transaction records for the retention periods required by applicable law.
• Platform security and fraud prevention: to monitor account activity for indicators of fraud, bonus abuse, multi-accounting and other prohibited behaviour, and to take appropriate action where such behaviour is detected.
• Customer support: to handle your support enquiries, complaints and disputes, and to maintain records of support interactions for quality assurance and dispute resolution purposes.
• Service improvement and analytics: to analyse aggregated, anonymised usage patterns to improve platform performance, game offering, payment processes and the overall user experience — we do not use individual-level data for this purpose.

95ko will not use your personal data for any purpose that is incompatible with the purposes listed above without first obtaining your explicit consent or unless required by applicable law. We do not use your personal data for automated individual decision-making that produces significant legal or similarly significant effects without your explicit consent.

95ko processes your personal data on the following legal bases:

• Contractual necessity: processing that is necessary to perform the contract between you and 95ko — specifically, to provide the betting and casino services you have registered to use, process your transactions and manage your account.
• Legal obligation: processing that is necessary for 95ko to comply with its legal and regulatory obligations, including anti-money laundering checks, age verification, KYC procedures and responses to lawful authority requests.
• Legitimate interests: processing for fraud prevention, platform security, and anonymised analytics — where 95ko has a legitimate interest in protecting the integrity of the platform and improving its services, and that interest is not overridden by your rights.
• Consent: where 95ko has sought and obtained your explicit consent before processing, for example for optional marketing communications. You may withdraw consent at any time without affecting the lawfulness of processing that took place before withdrawal.

95ko does not sell, rent or trade your personal data to any third party. We may share your personal data with the following categories of recipients only to the extent necessary for the purposes described in this Privacy Policy:

• Payment service providers: bKash, Nagad, Rocket, Upay, Visa, Mastercard and affiliated banks — solely for the purpose of processing your deposits and withdrawals and verifying payment ownership.
• Identity verification providers: third-party KYC and age verification service providers who assist 95ko in confirming the identity and eligibility of account holders, bound by confidentiality obligations.
• Regulatory and law enforcement authorities: where 95ko is required by applicable law, court order or lawful authority request to disclose personal data — for example, in connection with anti-money laundering investigations or fraud prevention.
• Technical service providers: hosting, infrastructure and security vendors who process data on 95ko's behalf under binding data processing agreements that prohibit independent use of the data.

All third parties with whom 95ko shares personal data are required to handle that data in accordance with applicable data protection standards and are prohibited from using it for any purpose beyond that for which it was shared. 95ko does not transfer personal data to countries outside of the region unless adequate data protection safeguards are in place.

The 95ko platform uses cookies and similar tracking technologies to deliver and improve the service. Cookies are small text files stored on your device by your browser. 95ko uses the following categories of cookies:

• Essential cookies: strictly necessary for the platform to function. These include session authentication cookies that keep you logged in during your visit and security cookies that protect against cross-site request forgery. These cookies cannot be disabled without breaking core platform functionality.
• Analytical cookies: used to collect anonymised data about how users interact with the platform — including which pages are visited most frequently, how long sessions last and where users navigate from. This data is used in aggregate form only and cannot be used to identify individual users.
• Preference cookies: used to remember your platform settings and preferences — for example, your chosen language (English or Bengali) — so that you do not need to re-select them on each visit.

You can control cookie usage through your browser settings. Most browsers allow you to block or delete cookies. Please note that disabling essential cookies will prevent some core features of the 95ko platform from functioning correctly, including the ability to stay logged in during your session. 95ko does not use third-party advertising cookies or cross-site tracking technologies.

95ko retains personal data only for as long as is necessary for the purpose for which it was collected, or as required by applicable law. The following retention periods apply: account registration data and identity verification documents are retained for the duration of the account and for a minimum of 5 years following account closure, in accordance with AML record-keeping obligations; transaction records (deposit and withdrawal history) are retained for a minimum of 5 years from the date of each transaction; customer support and communications records are retained for 3 years from the date of the interaction; analytical and technical log data is retained in anonymised form for up to 24 months.

When the applicable retention period expires, 95ko will securely delete or anonymise your personal data so that it can no longer be associated with you as an individual. Where data is anonymised rather than deleted, the anonymised data may be retained indefinitely for aggregate analytics purposes. You may request early deletion of your data in certain circumstances — see Section 10 (Your Rights) for details.

95ko implements a comprehensive set of technical and organisational security measures to protect personal data against unauthorised access, accidental loss, disclosure, alteration or destruction. Our security infrastructure includes 256-bit SSL/TLS encryption for all data in transit between your device and the 95ko platform; tokenisation of payment credentials so that full card or mobile payment account numbers are never stored on 95ko's systems; role-based access controls that restrict access to personal data to authorised personnel only on a strict need-to-know basis; regular security audits and penetration testing of our platform infrastructure; and two-factor authentication options for account login.

Despite the measures described above, no online platform can guarantee absolute security. 95ko strongly encourages all users to contribute to account security by using a strong, unique password for their 95ko account, never sharing their login credentials with any third party, and logging out of their account after each session — particularly when using a shared or public device. If you suspect that your account has been compromised, please contact 95ko customer support immediately via the live chat feature within the platform.

As a user of the 95ko platform, you have the following rights in respect of your personal data. To exercise any of these rights, please contact 95ko via the support channel described in Section 13. 95ko will respond to all valid data rights requests within 30 days of receipt.

95ko will not charge a fee for processing data rights requests unless the request is manifestly unfounded or excessive. In such cases, 95ko reserves the right to charge a reasonable administrative fee or to refuse the request, providing written reasons for the refusal. Identity verification will be required before any data rights request is fulfilled to ensure that data is only disclosed to the account holder to whom it belongs.

The 95ko platform is strictly intended for adults aged 21 years and above. 95ko does not knowingly collect, process or store personal data relating to persons under the age of 21. Age verification checks are applied at the point of account registration and at the point of withdrawal to confirm that all users meet the minimum age requirement. If 95ko discovers that personal data has been collected from a person under the age of 21, all data associated with that account will be immediately and permanently deleted and the account will be closed. Any deposits and winnings associated with an underage account will be handled in accordance with applicable law and 95ko's responsible gaming obligations.

95ko reserves the right to update or amend this Privacy Policy at any time. Where changes are material — meaning they significantly affect how your personal data is collected, used or shared — 95ko will notify you via a prominent notice on the platform or by email to the address registered on your account, with a minimum of 14 days notice before the changes take effect, unless a shorter period is required by applicable law.

The current version of this Privacy Policy is always the version published at https://95ko.ws/privacy-policy. The effective date at the top of this document indicates when the current version came into force. We encourage you to review this Privacy Policy periodically. Continued use of the 95ko platform after any update constitutes your acceptance of the revised Privacy Policy.

If you have any questions about this Privacy Policy, wish to exercise any of your data rights described in Section 10, or want to report a potential data breach or privacy concern, please contact the 95ko support team. The team is available 24 hours a day, 7 days a week, aligned to Bangladesh Standard Time (BST, UTC+6). All data rights requests will be acknowledged within 5 business days and responded to substantively within 30 days of receipt. Complex requests may take longer; in such cases 95ko will notify you of the extended timeframe.