Luck95 Privacy Policy — How We Protect Your Data

1 Introduction

This Privacy Policy describes how Luck95 ("Luck95", "we", "our", "us") collects, uses, stores and shares personal information when you use the Luck95 online gaming platform available at luck95.app and the associated mobile application.

When you register an account on Luck95, deposit PKR, place a bet on cricket or PSL, play a slot game, use fish games or access any other feature of the platform, you are providing us with personal information. This policy explains what we do with that information and how we protect it .

By creating a Luck95 account and using the platform, you acknowledge that you have read and understood this Privacy Policy. This policy should be read alongside our Terms and Conditions, which govern your use of the platform as a whole.

Luck95 takes your privacy seriously. We only collect what is necessary, store it securely and give you meaningful control over your own information. We do not use your data for purposes beyond what is described in this policy without your knowledge.

2 Data We Collect

Luck95 collects personal data in several ways — directly from you when you register and use the platform, automatically through the platform itself and from third-party payment providers when you make transactions in PKR.

Information you provide directly:

• Full name and date of birth provided during account registration
• Mobile number and email address used to create and verify your account
• CNIC or other identity document details submitted during verification
• Proof of address when requested as part of enhanced verification
• Payment method details such as your JazzCash or Easypaisa registered number or bank account details used for deposits and withdrawals
• Any correspondence you send to Luck95 support, including chat transcripts and emails
• Self-exclusion requests, deposit limit preferences and responsible gaming settings you configure

Information collected automatically:

• IP address and approximate geographic location at time of login and platform use
• Device type, operating system and browser or app version used to access Luck95
• Session data including login times, pages visited, games played and bets placed
• Transaction history including deposit amounts in PKR, withdrawal requests and bonus usage
• Cookies and similar tracking technologies as described in Section 6

3 How We Use Your Data

Luck95 uses the personal data we collect for the following purposes only. We do not use your data for any purpose that is not listed here without first informing you.

If you have opted in to receive promotional communications from Luck95 — for example notifications about PSL betting promotions, bonus offers or new slot games — you can withdraw that consent at any time by updating your notification preferences in account settings or by contacting support.

4 Payment Data

All financial transactions on Luck95 are conducted in PKR. When you make a deposit or request a withdrawal via JazzCash, Easypaisa, Raast, bank transfer or any other supported payment method, your payment is processed by the relevant third-party payment provider under their own terms and privacy policies.

Luck95 does not store full payment credentials such as your complete JazzCash PIN, bank account password or card number. What Luck95 retains is:

• The payment method type used (e.g. JazzCash, Easypaisa, bank transfer)
• The registered mobile number or partial account reference associated with the payment method
• Transaction amounts in PKR, dates and reference numbers
• Deposit and withdrawal status records for your account history

This transaction data is retained as part of your account record and is used to process future withdrawals, resolve payment disputes and comply with our anti-fraud obligations. It is not shared with marketing partners or used for any purpose beyond payment administration and security.

5 Sharing Your Data

Luck95 does not sell, rent or trade your personal data to any third party. We share data only in the limited circumstances described below, and only to the minimum extent necessary for each specific purpose.

• Payment processors: JazzCash, Easypaisa, Raast and banking partners receive the transaction details they need to process your deposit or withdrawal. Each of these providers operates under their own privacy and data protection policies.
• Identity verification providers: Where enhanced verification is required, your identity documents may be passed to a third-party verification service solely for the purpose of confirming your identity. These providers are contractually bound to handle your data securely and use it only for verification.
• Fraud prevention services: Aggregated or anonymised signals may be shared with fraud detection partners to identify suspicious activity patterns. Individual identifying data is shared with fraud partners only where a specific fraud investigation requires it.
• Technology service providers: Luck95 uses third-party providers for platform hosting, data storage, analytics and customer support tools. These providers act as data processors under contractual agreements and do not use your data for their own purposes.
• Legal obligations: Luck95 may disclose personal data where required to do so by applicable law, regulation or court order, or where disclosure is necessary to protect the rights or safety of Luck95, its players or others.

In all cases where data is shared with third parties, Luck95 maintains contractual requirements that those parties protect your information and use it only for the stated purpose. We do not authorise third-party processors to sell or further share your data.

6 Cookies & Analytics

Luck95 uses cookies and similar technologies on the web platform to keep your session active when you are logged in, remember your language and display preferences, and collect anonymised analytics data about how the platform is used. The Luck95 mobile app uses equivalent session management and analytics tools appropriate to the mobile environment.

The types of cookies and tracking technologies used on Luck95 include:

• Essential cookies: Required for the platform to function — including keeping you logged in during your session and maintaining your account state while you navigate between pages. These cannot be disabled without preventing the platform from working.
• Analytics cookies: Used to collect anonymised data about pages visited, features used and session duration. This helps us identify areas of the platform to improve. Analytics data does not identify you personally.
• Security cookies: Help detect and prevent fraudulent login attempts and suspicious activity by tracking session integrity signals.

Luck95 does not use advertising cookies, third-party tracking pixels or cross-site tracking technologies that would allow external advertising networks to profile you based on your Luck95 activity.

You can manage cookie preferences through your browser settings. Note that disabling essential cookies will prevent you from logging in to your Luck95 account. Analytics cookies can be disabled without affecting platform functionality.

7 Data Security

Luck95 implements technical and organisational measures to protect your personal data against unauthorised access, accidental loss, alteration or disclosure. Our security approach covers data in transit and data at rest.

• All data transmitted between your browser or app and Luck95 servers is encrypted using TLS (Transport Layer Security).
• Stored personal data and sensitive verification documents are encrypted at rest.
• Access to player data internally is restricted on a need-to-know basis. Support staff can access account information relevant to their role — they cannot access full payment credentials or identity document images without specific authorisation.
• Luck95 systems are monitored for unusual access patterns and potential security incidents.
• Regular security reviews are conducted to identify and address potential vulnerabilities.

Despite these measures, no system connected to the internet can guarantee absolute security. If you believe your Luck95 account has been accessed without your authorisation, contact support immediately and change your password. You are responsible for keeping your own login credentials secure — do not share your password with anyone, including people claiming to be Luck95 staff. Luck95 staff will never ask for your password.

8 Data Retention

Luck95 retains your personal data only for as long as it is necessary for the purposes described in this policy or as required by applicable obligations. The general retention periods applied are:

• Active account data: Retained for the full duration that your Luck95 account remains open and active.
• Transaction and financial records: Retained for a minimum of five years after the relevant transaction date to meet standard financial record-keeping requirements and to resolve any disputes that may arise.
• Identity verification documents: Retained for the duration of your account and for a period after closure in line with anti-fraud and record-keeping requirements.
• Support correspondence: Retained for a period sufficient to resolve the matter and to handle any follow-up complaints or disputes.
• Marketing preferences and consent records: Retained until you withdraw consent or close your account, whichever comes first.

When data is no longer required and its retention period has expired, it is securely deleted or anonymised so that it can no longer be linked to you as an individual. Anonymised aggregated data — for example anonymised analytics — may be retained indefinitely for platform improvement purposes.

If you close your Luck95 account, your personal profile will be deactivated. Transactional and verification records will be retained for the periods stated above, as is standard practice for financial platforms. You can contact support to request details about what data is held after account closure.

9 Your Rights Over Your Data

As a Luck95 player, you have the following rights in relation to your personal data. You can exercise any of these rights by contacting Luck95 support. Requests are processed as promptly as reasonably possible, typically within 30 days of receipt.

• Right to Access You can request a copy of the personal data Luck95 holds about you, including your account information, transaction history and any correspondence on record.
• Right to Correction If any personal information we hold about you is inaccurate or out of date, you can ask us to correct it. You can update basic account details directly through platform settings, or contact support for changes that require verification.
• Right to Deletion You can request that Luck95 delete your personal data. Note that deletion may not be possible for all data — we are required to retain certain financial and verification records as described in Section 8. Where deletion of all data is not possible, we will inform you of what can and cannot be deleted and why.
• Right to Restrict Processing In certain circumstances you can ask Luck95 to restrict how your data is used — for example if you dispute the accuracy of data we hold while we verify it. Restricting processing may affect your ability to use some platform features.
• Right to Withdraw Marketing Consent If you have opted in to marketing communications from Luck95, you can withdraw that consent at any time through account settings or by contacting support. Withdrawal of marketing consent does not affect your ability to use the platform.
• Right to Account Closure You can close your Luck95 account at any time by contacting support. Account closure does not immediately erase all data — see Section 8 for retention details — but your account will be deactivated and you will no longer receive platform communications.

To exercise any of the above rights, contact the Luck95 support team. You may be asked to verify your identity before your request is processed, to ensure your data is only released to you.

10 Minors and Under-18 Players

Luck95 is strictly an adult platform. The minimum age to register and use any feature of Luck95 — including placing bets, depositing PKR or playing any game — is 18 years. We do not knowingly collect personal data from anyone under the age of 18.

If Luck95 identifies or has reason to believe that an account is registered to or being used by a person under 18, that account will be closed immediately. Any balance in such an account will be handled in line with our Terms and Conditions. Luck95 may request proof of age from any player at any time as part of routine or triggered verification checks.

If you are a parent or guardian and believe that someone under 18 has registered a Luck95 account using personal details that include your information, please contact support immediately with the relevant account details so we can investigate and close the account.

11 Changes to This Privacy Policy

Luck95 may update this Privacy Policy from time to time to reflect changes in how we operate the platform, changes in applicable requirements or improvements in how we explain our practices. When material changes are made, the "Last updated" date at the top of this page will be revised.

Where changes are significant — for example if we were to start using your data for a new purpose not previously described — we will take additional steps to inform you, such as displaying a notification when you next log in to your Luck95 account.

Your continued use of the Luck95 platform after a revised Privacy Policy is posted constitutes your acceptance of the updated policy. If you disagree with changes to this policy, you may close your account by contacting support.

We recommend checking this page periodically so you are always aware of how your data is being handled. The date at the top of the page will always show when the policy was last reviewed.

12 Contact Us

If you have any questions about this Privacy Policy, want to exercise your data rights, or have a concern about how Luck95 has handled your personal information, please get in touch with our support team.

• Live Chat: Available directly in the Luck95 platform and app — the fastest way to reach us for account and data queries.
• Email: [email protected] — for detailed data requests, formal complaints or any concern that requires a written record.
• FAQ: Visit the FAQ page for quick answers about account management, payments and platform features.

When contacting us about a data request, please include your registered mobile number or email address and a brief description of your request so we can locate your account and respond efficiently. You may be asked to verify your identity before sensitive data requests are processed.

This Privacy Policy was last reviewed in January 2026 and applies to all players using the Luck95 platform regardless of when their account was created.