78phpearl Privacy Policy

1. Introduction

78phpearl ("we," "us," "our," or the "Company") is committed to protecting the privacy and personal data of every Filipino player who uses our platform at 78phpearl.com. This Privacy Policy applies to all data collected through the 78phpearl website, mobile applications, live chat, email communications, and any other touchpoint through which you interact with 78phpearl.

We collect and process personal data because operating a PAGCOR-regulated online casino requires it — from verifying your age and identity under Philippine law, to processing GCash and Maya transactions, to complying with the Anti-Money Laundering Act (AMLA) of the Philippines. Every piece of data we collect has a lawful purpose, and we do not collect data beyond what is necessary for those purposes.

78phpearl players are located throughout the Philippines — from Metro Manila, Cebu City, and Davao to the provinces — and we treat all player data with the same level of care and legal compliance regardless of region.

2. Data Controller

For the purposes of the Data Privacy Act of 2012 and its Implementing Rules and Regulations, the data controller responsible for your personal information is:

3. Personal Data We Collect

78phpearl collects personal data across several categories. The table below summarizes what we collect, why we collect it, and the legal basis for collection:

We do not knowingly collect sensitive personal data beyond what is strictly required for KYC and regulatory compliance purposes. We do not collect biometric data independently — facial verification, where used, is processed by our certified KYC technology partner under a data processing agreement.

4. How 78phpearl Uses Your Personal Data

78phpearl uses collected personal data for the following purposes:

• Account Registration and Verification: To create and maintain your 78phpearl account, verify your identity and age, and fulfill PAGCOR's KYC requirements;
• Service Delivery: To provide access to games, process bets, calculate winnings, and operate the full 78phpearl platform;
• Financial Transactions: To process GCash deposits and withdrawals, Maya payments, and bank transfers — including all associated verification and compliance steps;
• Regulatory Compliance: To fulfill obligations under PAGCOR licensing terms, the Anti-Money Laundering Act (AMLA), and Republic Act No. 10173 (Data Privacy Act);
• Security and Fraud Prevention: To detect and prevent unauthorized account access, fraud, money laundering, and other prohibited conduct;
• Responsible Gaming: To monitor gaming activity for signs of problem gambling behavior and to administer self-exclusion, deposit limit, and session reminder tools;
• Customer Support: To respond to inquiries, resolve disputes, and provide 24/7 live chat and email support to Filipino players;
• Marketing Communications: To send promotional offers, bonus notifications, and platform updates to players who have opted in to marketing communications — subject to your right to opt out at any time;
• Platform Improvement: To analyze usage data and technical performance to improve the 78phpearl platform experience for Filipino players across all devices and network conditions.

78phpearl does not use automated decision-making or profiling in a manner that produces legal effects on players without human review. Responsible gaming monitoring flags are reviewed by trained human staff before any account action is taken.

5. Legal Basis for Processing

Under the Data Privacy Act of 2012, 78phpearl processes personal data on the following legal bases:

• Contractual Necessity: Processing required to fulfill the 78phpearl Terms & Conditions you agreed to at registration — including account maintenance, game delivery, and payment processing;
• Legal Obligation: Processing required to comply with PAGCOR licensing conditions, AMLA reporting requirements, and other applicable Philippine law;
• Legitimate Interest: Processing for fraud prevention, platform security, and responsible gaming monitoring, where our legitimate interests do not override your data rights;
• Consent: Processing for marketing communications and optional features, where you have given explicit consent — which you may withdraw at any time without affecting other processing.

6. Data Sharing & Disclosure

78phpearl does not sell your personal data to third parties. We share personal data only in the following circumstances:

• PAGCOR and Philippine Regulators: We are required to report certain player data and transaction information to PAGCOR as a condition of our operating license. This includes suspicious transaction reports under AMLA;
• Payment Processors: GCash (Globe Telecom), Maya (Voyager Innovations), BPI, BDO, Metrobank, and other payment partners receive necessary financial data to process your transactions. These processors are bound by their own privacy policies and applicable Philippine law;
• KYC Verification Partners: Certified identity verification providers process KYC documents on our behalf under data processing agreements;
• Game Content Providers: Third-party game studios and live casino operators may receive anonymized session data for game performance monitoring. Personal identity data is not shared with game content providers;
• Law Enforcement: We may disclose personal data to Philippine law enforcement authorities, courts, or other government bodies where required by law or valid legal process;
• Corporate Transactions: In the event of a merger, acquisition, or asset sale involving 78phpearl, player data may be transferred as part of the transaction, subject to the same privacy protections described in this Policy.

7. International Data Transfers

The 78phpearl platform primarily stores and processes personal data within the Philippines or in jurisdictions that provide an adequate level of data protection as determined by the National Privacy Commission (NPC) of the Philippines. Where data is processed by third-party service providers outside the Philippines — for example, cloud infrastructure or game content partners — 78phpearl ensures that appropriate safeguards are in place, including data processing agreements with Standard Contractual Clauses approved by the NPC.

78phpearl will not transfer your personal data to jurisdictions that do not offer adequate protection without your explicit consent, except where required by applicable law.

8. Data Retention

78phpearl retains personal data for as long as necessary to fulfill the purposes for which it was collected, subject to the following minimum retention periods mandated by Philippine law and PAGCOR:

• Account and Identity Data: Retained for the duration of the account plus 5 years after account closure, in compliance with AMLA and PAGCOR record-keeping requirements;
• Financial Transaction Records: Retained for a minimum of 5 years from the date of transaction, as required by the AMLA and Bureau of Internal Revenue (BIR) regulations;
• KYC Documents: Retained for the duration of the account plus 5 years after account closure;
• Gaming Activity Data: Retained for 3 years after the relevant gaming session, or longer where required by PAGCOR;
• Support Communications: Retained for 3 years from the date of communication;
• Marketing Preferences: Retained until you withdraw consent or request deletion, whichever is earlier.

Following the applicable retention period, personal data is securely deleted or anonymized in accordance with the NPC's guidelines on data disposal.

9. Security Measures

78phpearl implements comprehensive technical and organizational security measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction:

• Encryption in Transit: All data transmitted between your device and the 78phpearl Platform is encrypted using TLS 1.3 — the same standard used by Philippine banks and government portals;
• Encryption at Rest: Personal data and KYC documents stored on 78phpearl servers are encrypted using AES-256 encryption;
• Access Controls: Strict role-based access controls limit which 78phpearl staff can access player personal data, with all access logged and audited;
• Two-Factor Authentication: Player accounts support SMS OTP two-factor authentication, significantly reducing the risk of unauthorized account access;
• Penetration Testing: Regular third-party security assessments and penetration testing are conducted on the 78phpearl Platform;
• Incident Response: 78phpearl maintains a documented data breach response plan. In the event of a breach affecting your personal data, we will notify affected players and the NPC within 72 hours of discovery, as required by the Data Privacy Act.

10. Cookies & Tracking Technologies

The 78phpearl Platform uses cookies and similar tracking technologies to enhance your gaming experience, maintain your login session, and collect usage analytics. The following cookie categories are used:

• Essential Cookies: Required for the Platform to function — including session management, login state, and security tokens. These cannot be disabled;
• Analytics Cookies: Collect anonymized data about how Filipino players use the Platform, which pages are most visited, and how players navigate between games. Used to improve platform performance;
• Preference Cookies: Store your language preferences, game settings, and display configurations;
• Marketing Cookies: Used only where you have consented to receive personalized promotional communications from 78phpearl.

You may manage your cookie preferences through your browser settings. Note that disabling essential cookies will prevent you from accessing the 78phpearl Platform and logging into your account.

11. Your Rights Under the Data Privacy Act

As a data subject under the Data Privacy Act of 2012, you have the following rights in relation to your personal data held by 78phpearl:

• Right to Be Informed: You have the right to be informed about how your data is collected and used — which this Privacy Policy fulfills;
• Right of Access: You may request a copy of the personal data 78phpearl holds about you at any time;
• Right to Rectification: You may request correction of any inaccurate or incomplete personal data in your 78phpearl account;
• Right to Erasure: You may request deletion of your personal data where it is no longer necessary for the purposes it was collected, subject to our legal retention obligations under AMLA and PAGCOR;
• Right to Data Portability: You may request your personal data in a structured, machine-readable format for transfer to another service provider;
• Right to Object: You may object to processing based on legitimate interest, including direct marketing. Where you object to marketing, we will cease that processing immediately;
• Right to Lodge a Complaint: You have the right to lodge a complaint with the National Privacy Commission of the Philippines if you believe your data rights have been violated.

To exercise any of these rights, contact the 78phpearl Data Protection Officer at support@78phpearl.com with the subject line "Data Privacy Request." We will acknowledge your request within 5 business days and provide a substantive response within 30 days.

12. Children's Privacy

If you believe that a minor has registered or attempted to register a 78phpearl account, please report it immediately to support@78phpearl.com. Protecting minors from access to gambling platforms is a shared responsibility that 78phpearl takes extremely seriously.

13. Third-Party Links

The 78phpearl Platform may contain references to third-party services such as GCash, Maya, and game content providers. These third parties operate independently and have their own privacy policies. 78phpearl is not responsible for the privacy practices of third-party services. We encourage you to review the privacy policies of any third-party service you use in connection with your 78phpearl account.

14. Amendments to This Privacy Policy

78phpearl may update this Privacy Policy from time to time to reflect changes in our data practices, legal requirements, or PAGCOR directives. Material changes will be communicated to registered players via SMS or email at least 7 days before the amended Policy takes effect. The "Last Updated" date at the top of this Policy will always reflect the most recent revision.

Continued use of the 78phpearl Platform following the effective date of an amended Privacy Policy constitutes acceptance of the revised terms. If you do not accept the amended Privacy Policy, you should cease use of the Platform and may request account closure.

15. Contact & Data Protection Officer

For any questions, requests, or concerns relating to this Privacy Policy or 78phpearl's data practices, please contact our Data Protection Officer:

• Email: support@78phpearl.com (subject line: "Data Privacy Request")
• Live Chat: Available 24/7 through the 78phpearl Platform — select "Privacy & Data" from the support menu
• Response Time: 5 business days for written requests; 2 hours for live chat

If your concern is not resolved to your satisfaction by 78phpearl's Data Protection Officer, you have the right to escalate your complaint to the National Privacy Commission of the Philippines (NPC) through the NPC's official complaints process.

This Privacy Policy was last updated on 1 June 2026 and supersedes all previous versions. The English-language version is authoritative for all purposes.