Privacy Policy

1 Who We Are

f95jl ("f95jl," "we," "us," "our") is the operator of the online gaming platform accessible at f95jl.net. f95jl is the personal information controller responsible for the collection, use, storage, and protection of personal data submitted by registered players and website visitors in connection with our online casino, sportsbook, bingo, slots, and jackpot games services.

f95jl operates within the PAGCOR regulatory framework and processes personal data in compliance with Republic Act No. 10173, the Philippine Data Privacy Act of 2012 (DPA), and its Implementing Rules and Regulations (IRR). Where players access f95jl from outside the Philippines, applicable local data protection laws may also apply.

2 Personal Data We Collect

f95jl collects personal data across several categories depending on your relationship with our platform. The table below summarises the categories of personal data we collect and the primary context in which each category arises:

3 How We Collect Your Data

f95jl collects personal data through the following channels:

Direct Collection

The majority of personal data f95jl holds is provided directly by you when you register an account, complete KYC verification, make a deposit or withdrawal, contact our support team, or opt into a promotional offer. You are not required to provide personal data to browse the f95jl website, but an account and verified identity are required to access gaming services.

Automated Collection

When you access the f95jl platform, certain technical data is collected automatically by our servers and analytics systems. This includes your IP address, device identifiers, browser type, operating system, pages visited, session duration, and clickstream data. This automated data collection is standard practice across all online platforms and is used primarily for security monitoring, fraud detection, and platform performance optimisation.

Third-Party Sources

f95jl may receive personal data about you from third-party sources in the following circumstances:

• KYC verification providers: Identity verification results and document authentication outcomes
• Payment processors: Transaction confirmation data from GCash, Maya, InstaPay, PesoNet, and Philippine banking partners
• Fraud prevention databases: Risk indicators and flagging data from industry-standard fraud screening services
• Regulatory bodies: Self-exclusion lists or player protection flags from PAGCOR or affiliated regulatory systems

4 Why We Use Your Personal Data

f95jl uses your personal data only for specific, declared purposes. The table below maps each purpose to the category of data used and the applicable legal basis:

f95jl will not use your personal data for any purpose other than those listed above without first providing you with notice and, where required, obtaining your separate consent.

5 Legal Basis for Processing

Under the Philippine Data Privacy Act of 2012, f95jl relies on the following legal bases for processing your personal data:

1. Contractual Necessity: Processing required to perform our contract with you — i.e., to provide the f95jl platform, manage your account, process payments, and deliver gaming services. Without this processing, we cannot provide the services you have requested.
2. Legal Obligation: Processing required to comply with Philippine legal and regulatory obligations, including PAGCOR licensing conditions, the Anti-Money Laundering Act (AMLA), and the Data Privacy Act itself. This includes KYC verification, AML transaction monitoring, and mandatory data retention.
3. Legitimate Interests: Processing necessary for f95jl's legitimate business interests, where those interests are not overridden by your privacy rights. This includes fraud prevention, platform security monitoring, and aggregate analytics used to improve the f95jl experience. f95jl has conducted legitimate interests assessments for all processing activities falling under this basis.
4. Consent: Processing activities that require your freely given, specific, and informed consent — primarily direct marketing communications. You may withdraw consent at any time by contacting [email protected] or using the unsubscribe mechanism in any marketing email.

6 Sharing Your Personal Data

f95jl does not sell your personal data. We share personal data only in the limited circumstances described below, and only to the minimum extent necessary for the stated purpose.

Service Providers and Processors

f95jl engages third-party service providers who process personal data on our behalf and under our instructions. These include:

• KYC / Identity Verification Providers: To verify your identity and age in compliance with PAGCOR requirements and Philippine AML regulations
• Payment Processors: GCash, Maya, InstaPay, PesoNet, BPI, BDO, and Metrobank payment gateways, for deposit and withdrawal processing
• Cloud Infrastructure Providers: For secure hosting, data storage, and backup services
• Fraud and Risk Screening Services: For real-time transaction risk scoring and multi-account detection
• Customer Support Tools: Live chat and ticketing platform providers used to deliver 24/7 support

All third-party processors engaged by f95jl are contractually required to implement appropriate data protection measures and to process personal data solely in accordance with f95jl's documented instructions.

Regulatory and Legal Disclosures

f95jl may disclose personal data to regulatory authorities, law enforcement agencies, or the courts where required by Philippine law. This includes mandatory reporting obligations under the Anti-Money Laundering Act to the Anti-Money Laundering Council (AMLC), and reporting obligations to PAGCOR under our regulatory framework. f95jl will notify you of any such disclosure where legally permitted to do so.

7 Data Retention

f95jl retains personal data for as long as necessary to fulfil the purposes described in this Privacy Policy, subject to the minimum retention periods prescribed by applicable Philippine law. The table below provides our retention guidelines by data category:

Upon expiry of the applicable retention period, personal data is securely deleted or anonymised in accordance with f95jl's data destruction procedures. Anonymised or aggregated data (from which you cannot be identified) may be retained indefinitely for statistical and analytical purposes.

8 Cookies & Tracking Technologies

The f95jl platform uses cookies and similar tracking technologies to provide a functional, secure, and personalised experience. A cookie is a small text file placed on your device when you visit a website. Cookies do not contain your full personal data — they typically hold a session identifier or preference flag that is matched against records on our servers.

Types of Cookies We Use

• Strictly Necessary Cookies: Required for the platform to function. These include session authentication cookies that keep you logged into your f95jl account and security cookies that protect against cross-site request forgery (CSRF). These cannot be disabled.
• Functional Cookies: Remember your preferences, such as language settings, display preferences, and responsible gaming limit configurations, so you do not need to re-enter them each visit.
• Analytics Cookies: Collect aggregate, anonymised data about how players navigate the f95jl platform — which pages are visited, how long sessions last, and where users encounter errors. This data helps us improve the platform experience.
• Security / Fraud Detection Cookies: Used by our fraud detection systems to identify unusual access patterns, detect bot activity, and flag potential multi-account behaviour.

9 Data Security

f95jl implements a multi-layered security framework to protect your personal data against unauthorised access, loss, alteration, or disclosure. Our security measures include:

• 256-bit SSL/TLS Encryption: All data in transit between your browser and f95jl's servers is encrypted using industry-standard TLS 1.2 or higher protocols.
• Encryption at Rest: Sensitive personal data, including government ID document images and financial records, is encrypted at rest in our database infrastructure.
• Access Controls: Personal data is accessible only to f95jl personnel and service providers with a legitimate need to access it. Role-based access controls and least-privilege principles are enforced throughout our infrastructure.
• Two-Factor Authentication: f95jl offers 2FA for all player accounts. Internal system access by f95jl staff requires mandatory 2FA.
• Regular Security Audits: f95jl conducts periodic penetration testing and security audits of its platform and data infrastructure.
• Incident Response Plan: f95jl maintains a documented data breach incident response plan consistent with NPC notification requirements under the Data Privacy Act.

While f95jl takes all reasonable precautions, no online platform can guarantee absolute security. You play an important role in keeping your account secure — always use a strong, unique password for your f95jl account and enable two-factor authentication. If you suspect your account has been compromised, contact our support team immediately at [email protected].

10 Your Rights as a Data Subject

Under the Philippine Data Privacy Act of 2012, you have the following rights with respect to your personal data held by f95jl. All rights may be exercised by contacting our Data Protection Officer at [email protected]:

f95jl will respond to all data subject rights requests within 15 business days of receipt. Where a request is complex or voluminous, we may extend this period by a further 15 business days, with notice provided to you. f95jl will not charge a fee for handling data subject rights requests unless they are manifestly unfounded or excessive.

11 Children and Minors

f95jl's platform is strictly intended for adults aged 21 years and above, in accordance with Philippine gambling regulations. f95jl does not knowingly collect personal data from individuals under the age of 21. Account registration requires date of birth declaration and government-issued ID verification as part of the KYC process, which is designed to prevent minors from accessing f95jl services.

If f95jl becomes aware that personal data has been collected from a person under the age of 21, we will immediately suspend the relevant account, delete the personal data collected, and report the incident in accordance with our regulatory obligations. If you are a parent or guardian and believe your child has registered on f95jl, please contact us immediately at [email protected].

12 Cross-Border Data Transfers

f95jl's primary data processing infrastructure is located within the Asia-Pacific region. However, certain service providers engaged by f95jl — such as cloud infrastructure providers and fraud screening services — may process data in data centres located outside the Philippines.

Where personal data is transferred outside the Philippines, f95jl ensures that appropriate safeguards are in place in accordance with Section 21 of the Data Privacy Act and NPC Circular 16-01. Safeguards used include:

• Standard contractual clauses (SCCs) requiring overseas recipients to apply data protection standards equivalent to Philippine law
• Binding corporate rules where applicable within group company structures
• Transfer impact assessments where required by the NPC's guidelines

By registering an account with f95jl and accepting these terms, you acknowledge that your personal data may be transferred to and processed in jurisdictions outside the Philippines, subject always to the safeguards described above.

13 Amendments to This Privacy Policy

f95jl may update this Privacy Policy from time to time to reflect changes in our data processing practices, applicable Philippine law, NPC guidance, or our platform's features. When material changes are made, f95jl will notify registered players via email to the address on their account and/or by displaying a prominent notice on the f95jl platform for a period of not less than 14 days prior to the changes taking effect.

The "Effective Date" at the top of this Privacy Policy indicates when the current version was last updated. We encourage you to review this page periodically. Continued use of the f95jl platform following the effective date of any updated Privacy Policy constitutes acceptance of the updated terms.

For non-material changes — such as corrections of typographical errors, clarifications that do not alter the substance of processing activities, or updated contact details — f95jl may update this Privacy Policy without prior individual notice, though the Effective Date will always be updated.

14 Contact Us & Data Protection Officer

If you have any questions, concerns, or requests regarding this Privacy Policy or the way f95jl handles your personal data, please contact our Data Protection Officer (DPO) using the details below. Our support team is available 24/7, including all Philippine public holidays.

If you are not satisfied with f95jl's response to a privacy concern, you have the right to lodge a complaint directly with the National Privacy Commission (NPC) of the Philippines. The NPC is the independent government body responsible for administering and enforcing the Data Privacy Act of 2012.

f95jl is committed to working constructively with you to resolve any privacy concern before escalation becomes necessary. We take all privacy complaints seriously and will acknowledge receipt of your complaint within 3 business days.