zn99 Privacy Policy

1 Introduction

This Privacy Policy ("Policy") is issued by zn99 ("we", "us", "our", "the Platform") and applies to all users who access or register on the zn99 website, including Pakistani players from Karachi, Lahore, Islamabad, Faisalabad, Rawalpindi, and across the country. This Policy explains how zn99 collects, uses, discloses, and safeguards your personal information in connection with our online casino, cricket betting, slot games, jackpot features, and all related services.

By creating an account or continuing to use zn99, you acknowledge that you have read and understood this Privacy Policy and consent to the data practices described herein. This Policy should be read together with our Terms & Conditions, which govern your overall use of the platform.

2 Data We Collect

zn99 collects personal information that is necessary to provide you with a secure, compliant, and personalised gaming experience. The categories of data we collect are as follows:

We collect this information through direct interactions (such as registration forms and KYC submissions), automated technologies (such as cookies and server logs), and third-party sources where permitted (such as payment processors and identity verification providers).

3 How We Use Your Data

zn99 uses the personal data we collect for the following purposes:

• Account Management: To create, maintain, and secure your zn99 player account, and to verify your identity in line with our KYC obligations.
• Service Delivery: To provide access to cricket betting markets, PSL odds, slot games, live casino tables, jackpot events, and all other platform features.
• Payment Processing: To facilitate deposits and withdrawals via JazzCash, EasyPaisa, HBL, UBL, Meezan Bank, and any other supported payment channels in PKR.
• Regulatory Compliance: To meet our obligations under international gaming regulations, including anti-money laundering (AML), counter-terrorism financing (CTF), and age verification requirements.
• Responsible Gaming: To monitor player behaviour and intervene where patterns suggest problem gambling, in line with our commitment to player welfare and our Responsible Gaming policy.
• Customer Support: To respond to queries, complaints, and requests submitted to our 24/7 support team.
• Marketing Communications: To send promotional offers, bonus notifications, PSL updates, and platform news — only where you have given consent or opted in.
• Platform Security: To detect, investigate, and prevent fraudulent activity, unauthorised account access, and technical vulnerabilities.
• Analytics & Improvement: To understand how Pakistani players interact with zn99 features and to continuously improve the user experience.

4 Legal Basis for Processing

For each category of personal data we process, zn99 relies on one or more of the following lawful bases:

• Contractual Necessity: Processing required to fulfil our obligations under the Terms & Conditions you agreed to at registration — for example, managing your account and processing transactions.
• Legal Obligation: Processing required to comply with applicable laws and regulations, including KYC identity checks, AML reporting obligations, and age verification under our international gaming licence.
• Legitimate Interests: Processing necessary for our legitimate business interests — such as fraud prevention, platform security, and service improvement — where these interests are not overridden by your rights.
• Consent: For optional data uses such as marketing communications, we rely on your freely given, specific, and informed consent. You may withdraw consent at any time without affecting the lawfulness of prior processing.

5 Data Sharing & Disclosure

zn99 does not sell, rent, or trade your personal information to any third party for their own marketing purposes. We may share your data only in the following limited and controlled circumstances:

• Payment Processors: Your financial data is shared with JazzCash, EasyPaisa, HBL, UBL, Meezan Bank, and other payment partners solely to process your transactions. These parties are contractually bound to handle your data securely.
• KYC & Identity Verification Providers: We engage regulated third-party services to verify the identity and age of registered users, as required under our international gaming licence obligations.
• IT Infrastructure & Hosting Providers: Our platform is hosted on secure server infrastructure. Hosting providers are bound by strict data processing agreements and have no independent right to use your data.
• Regulatory Authorities: Where required by applicable law or a lawful government request, zn99 may disclose personal information to regulatory bodies, law enforcement agencies, or courts of competent jurisdiction.
• Business Transfers: In the event of a merger, acquisition, or sale of all or part of zn99's assets, your personal data may be transferred to the successor entity, subject to equivalent privacy protections.

All third-party recipients of your personal data are required to maintain appropriate technical and organisational security measures and to process data only for the specified, lawful purposes for which it was shared.

6 Cookies & Tracking Technologies

The zn99 website uses cookies and similar tracking technologies to enhance the performance and functionality of our platform. A cookie is a small text file placed on your device when you visit our site.

• Essential Cookies: Required for core platform functions such as login session management, security tokens, and payment gateway integration. These cannot be disabled without affecting core functionality.
• Performance Cookies: Used to collect aggregated, anonymised data on how users interact with zn99 — for example, which game categories are most visited by players in Lahore or Karachi. This helps us prioritise improvements.
• Preference Cookies: Store your site settings, such as language preferences and display options, so you do not need to re-enter them on each visit.
• Analytics Cookies: We use analytics tools to understand platform usage patterns. All analytics data is anonymised and cannot be used to identify individual users.

You may manage your cookie preferences through your browser settings. Please note that disabling certain cookies may affect the availability or performance of some zn99 features.

7 Data Retention

zn99 retains your personal data only for as long as is necessary to fulfil the purposes outlined in this Policy, or as required by applicable law and regulation. Our general retention periods are as follows:

• Account Data: Retained for the duration of your active account plus a minimum of five (5) years following account closure, in line with AML and gaming regulatory record-keeping requirements.
• Transaction Records: Financial transaction logs are retained for a minimum of five (5) years to comply with AML, tax, and gaming audit obligations.
• KYC Documents: Identity and age verification documents are retained for the period required under our international gaming licence — typically five (5) years from the date of submission.
• Communication Records: Customer support correspondence and dispute records are retained for three (3) years following resolution.
• Marketing Preferences: Records of consent and opt-out status are retained for as long as they remain relevant to your account or any outstanding complaint.

Once the applicable retention period has expired, your data is securely deleted or anonymised so that it can no longer be linked to you as an individual.

8 Your Rights

As a zn99 user, you have the following rights in relation to your personal data. To exercise any of these rights, please contact us at the details provided in Section 13.

• Right of Access: You may request a copy of the personal data zn99 holds about you, along with information on how it is used and with whom it is shared.
• Right to Rectification: If any of your personal data held by zn99 is inaccurate or incomplete, you have the right to request that it be corrected without undue delay.
• Right to Erasure: You may request the deletion of your personal data where it is no longer necessary for the purposes for which it was collected, subject to our legal retention obligations.
• Right to Restrict Processing: You may request that we limit the processing of your data in certain circumstances — for example, while the accuracy of the data is being contested.
• Right to Data Portability: Where processing is based on your consent or a contract, you may request a copy of your data in a structured, machine-readable format.
• Right to Withdraw Consent: Where zn99 processes your data on the basis of consent, you may withdraw that consent at any time via your account settings or by contacting our support team.
• Right to Object: You have the right to object to processing carried out on the basis of legitimate interests, including profiling for direct marketing purposes.

zn99 will respond to all verified rights requests within thirty (30) days. In complex cases, this period may be extended by a further sixty (60) days with prior notification.

9 Data Security

zn99 implements comprehensive technical and organisational security measures to protect your personal data against unauthorised access, accidental loss, destruction, or disclosure. Our security framework includes:

• AES-256 encryption for all stored personal and financial data.
• TLS/SSL encryption for all data transmitted between your device and our servers.
• Multi-factor authentication options for registered user accounts.
• Regular third-party security audits and penetration testing of our platform infrastructure.
• Role-based access controls ensuring that only authorised zn99 personnel can access personal data, and only to the extent required for their job function.
• Incident response procedures to detect, report, and address any personal data breach in a timely manner.

Whilst zn99 takes every reasonable precaution to protect your information, no online platform can guarantee absolute security. We encourage you to use a strong, unique password for your zn99 account and to notify us immediately at [email protected] if you suspect any unauthorised access.

10 Third-Party Links

The zn99 platform may contain references to payment partners and regulatory bodies. Please note that zn99 has no control over the privacy practices of any external website or service provider and is not responsible for their privacy policies or data handling procedures.

We encourage you to review the privacy policies of any third-party service you interact with in connection with your zn99 account, including your chosen payment provider (JazzCash, EasyPaisa, HBL Online Banking, UBL Omni, or Meezan Bank).

11 Children's Privacy

The zn99 platform is strictly intended for individuals who are 21 years of age or older. We do not knowingly collect personal data from anyone under the age of 21. If zn99 becomes aware that a user is under the minimum age requirement, the account will be suspended immediately and all associated data will be deleted in accordance with our data retention procedures.

If you are a parent or guardian and believe that a minor in your care has registered on zn99 or provided us with personal information, please contact us immediately at [email protected] so that we can take prompt corrective action.

12 Updates to This Policy

zn99 reserves the right to update or amend this Privacy Policy at any time to reflect changes in our data practices, operational requirements, or applicable legal and regulatory obligations. When material changes are made, we will notify registered users via email or a prominent notice on the platform prior to the changes taking effect.

The "Effective Date" at the top of this Policy indicates when it was last reviewed and updated. Your continued use of the zn99 platform following publication of an updated Policy constitutes your acceptance of the revised terms. We encourage you to review this page periodically to stay informed about how we protect your information.

13 Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or the way zn99 handles your personal data, please reach out to our dedicated support team. We are committed to resolving all privacy-related enquiries promptly and transparently.

• Email: [email protected] (plain text — not a clickable link)
• Live Chat: Available 24/7 via the zn99 platform after login
• Response Time: We aim to acknowledge all privacy requests within 72 hours and resolve them within 30 days
• Coverage: Serving players across Pakistan — Karachi, Lahore, Islamabad, Faisalabad, and beyond

For data access or deletion requests, please include your registered username and a copy of your CNIC to allow us to verify your identity before processing the request.