Privacy Policy

1 Who We Are

sk99 is an online betting and casino platform operating at sk99.im, offering sports betting, live dealer casino games, slots, crash games, and related services primarily to players based in Pakistan. For the purposes of this Privacy Policy, "sk99", "we", "us", and "our" refer to the operator of the sk99 platform and its affiliated entities.

sk99 operates under an international gaming licence and is committed to maintaining the confidentiality, integrity, and security of all personal data entrusted to it by players. This Privacy Policy applies to all personal data processed in connection with your use of sk99.im and any associated mobile applications or communications.

2 Personal Data We Collect

2.1 Registration Data

When you create an sk99 account, we collect the following information:

• Full legal name as it appears on your government-issued identification;
• Date of birth — to verify that you are 21 years of age or older;
• Email address and mobile number — used for account communications and two-factor authentication;
• Residential address — including city (e.g., Karachi, Lahore, Faisalabad, Islamabad) and postal code;
• Username and password — your password is stored in a one-way hashed format and is never accessible in plain text by sk99 staff.

2.2 KYC Verification Data

Prior to processing your first withdrawal, sk99 is required to complete Know Your Customer (KYC) verification. This involves collecting:

• A copy of a valid government-issued photo ID (CNIC, passport, or driving licence);
• Proof of address (utility bill, bank statement, or similar document dated within 90 days);
• Proof of payment method ownership where required (e.g., screenshot of JazzCash or EasyPaisa account in your name).

2.3 Financial Data

sk99 collects transaction records associated with your account, including deposit amounts, withdrawal requests, and wagering history. We do not store full payment card numbers. For mobile wallet transactions (JazzCash, EasyPaisa), we retain only the masked account reference required for audit purposes. For USDT TRC20 transactions, we retain the wallet address and transaction hash.

2.4 Technical Data

When you access sk99.im, we automatically collect certain technical data, including:

• IP address and approximate geographic location;
• Browser type, version, and operating system;
• Device type and screen resolution;
• Session timestamps, pages visited, and navigation paths;
• Referring URL (if you arrived at sk99.im via a link).

2.5 Communications Data

If you contact sk99 customer support via live chat, email, or any other channel, we retain records of those communications, including the content of messages, timestamps, and resolution notes. This data is used for quality assurance, dispute resolution, and regulatory compliance purposes.

3 How We Collect Your Data

sk99 collects personal data through the following means:

• Directly from you — when you complete the registration form, submit KYC documents, make a deposit or withdrawal, fill in a support request, or update your account profile;
• Automatically — through cookies, server logs, and similar tracking technologies as you browse and interact with sk99.im (see Section 7 for full cookie details);
• From payment processors — transaction confirmation data is passed to sk99 by payment partners including JazzCash, EasyPaisa, HBL, UBL, Meezan Bank, and SadaPay in order to credit your account correctly;
• From identity verification services — where sk99 uses a licensed third-party KYC provider to assist in document verification, that provider may share the outcome of the verification check with us;
• From fraud prevention partners — sk99 may receive risk signals from fraud detection services that help identify suspicious account activity or multi-accounting behaviour.

4 How We Use Your Personal Data

sk99 uses the personal data we collect for the following purposes:

• Account creation and management: To register your account, verify your identity, and maintain your player profile;
• Transaction processing: To process PKR deposits and withdrawals via your selected payment method and to maintain accurate financial records;
• Regulatory compliance: To fulfil our obligations under applicable anti-money laundering (AML) regulations, including the identification and reporting of suspicious transactions;
• Customer support: To respond to your queries, resolve disputes, and process complaints efficiently;
• Responsible gaming: To monitor wagering behaviour, identify potential problem gambling patterns, and apply protective measures such as deposit limits or account cooling-off periods where appropriate;
• Platform security: To detect and prevent fraud, multi-accounting, bonus abuse, and other prohibited activities as defined in our Terms & Conditions;
• Service improvement: To analyse aggregated, anonymised usage data for the purpose of improving platform performance, user experience, and game offerings;
• Marketing communications: To send you promotional offers, bonus notifications, and platform updates — but only where you have provided explicit consent to receive such communications. You may withdraw marketing consent at any time.

5 Legal Basis for Processing

sk99 processes your personal data on the following legal bases:

• Contractual necessity: Processing your registration data, KYC information, and transaction records is necessary to fulfil our contractual obligations to you as a player — specifically, to operate your account and provide the services you have signed up for;
• Legal obligation: Certain data processing activities — particularly AML checks, age verification, and financial record-keeping — are required by the regulatory framework under which sk99 operates;
• Legitimate interests: sk99 processes technical and communications data on the basis of its legitimate interest in maintaining a secure, fraud-free platform and in improving the quality of its services, provided that these interests do not override your privacy rights;
• Consent: Where sk99 relies on your consent as the legal basis for processing — for example, for sending marketing communications — you have the right to withdraw that consent at any time without affecting the lawfulness of processing that occurred before withdrawal.

6 Data Sharing & Disclosure

6.1 Service Providers

sk99 shares personal data with a limited set of trusted third-party service providers who assist in operating the platform. These include payment processors (JazzCash, EasyPaisa, HBL, UBL, Meezan Bank, SadaPay), KYC verification providers, fraud detection services, cloud infrastructure providers, and customer support software vendors. All third-party processors are bound by data processing agreements that restrict their use of your data to the specific purpose for which it was shared.

6.2 Game Software Providers

Casino games available on sk99 are supplied by licensed third-party game studios. Where necessary for game functionality — for example, in live dealer games — limited session data may be passed to the relevant game provider. Game providers are contractually prohibited from using player data for any purpose other than the delivery of the game session.

6.3 Regulatory and Legal Disclosure

sk99 may be required to disclose personal data to regulatory authorities, law enforcement agencies, or courts where required by applicable law or where we have a good-faith belief that such disclosure is necessary to comply with a legal obligation, protect the rights and safety of sk99 or its players, or investigate suspected fraud or illegal activity.

6.4 No Sale of Data

sk99 does not sell, rent, lease, or otherwise commercially exploit your personal data to third parties for marketing or advertising purposes. This is a firm and unconditional commitment.

6.5 Business Transfers

In the event that sk99 undergoes a merger, acquisition, or sale of all or part of its business assets, player data may be transferred to the successor entity as part of that transaction. You will be notified of any such transfer and of any changes to this Privacy Policy that result from it.

7 Cookies & Tracking Technologies

sk99.im uses cookies and similar technologies to ensure the platform functions correctly, to maintain session security, and to collect anonymised analytics about how players interact with the site. The following table describes the categories of cookies in use:

sk99 does not use advertising cookies, retargeting pixels, or social media tracking scripts. You may manage cookie preferences through your browser settings; however, disabling essential cookies will prevent you from logging into your account. A cookie preference centre is accessible from the footer of sk99.im.

8 Data Retention

sk99 retains personal data for the following periods, after which data is securely deleted or irreversibly anonymised:

• Active account data: Retained for the duration of your account's active status plus five years following account closure, to satisfy anti-money laundering and regulatory record-keeping requirements;
• KYC documents: Retained for five years from the date of submission, or longer if required by the applicable regulatory authority;
• Transaction records: Retained for seven years in accordance with standard financial record-keeping obligations;
• Customer support communications: Retained for three years from the date of the interaction;
• Technical / server log data: Retained for 12 months, after which logs are purged from active systems;
• Marketing consent records: Retained for the duration of your consent plus three years following withdrawal of consent.

Where retention is based on a legal obligation, sk99 is not in a position to delete data earlier than the prescribed period even upon player request. In such cases, we will notify you of the applicable retention requirement and confirm that the data will not be used for any other purpose during that period.

9 Your Data Rights

As a player on sk99, you hold the following rights in respect of your personal data. To exercise any of these rights, contact us at [email protected] with your account username and a description of your request. We will respond within 30 calendar days.

10 Data Security

sk99 implements a layered security framework to protect your personal data against unauthorised access, alteration, disclosure, or destruction. Our key security measures include:

• 256-bit SSL/TLS encryption on all data transmissions between your device and sk99.im;
• AES-256 encryption at rest for all sensitive data stored on sk99 servers, including KYC documents and financial records;
• Role-based access controls ensuring that sk99 staff can only access player data to the extent strictly necessary for their job function;
• Two-factor authentication available to all players and mandatory for sk99 staff accessing internal systems;
• Regular penetration testing and vulnerability assessments carried out by independent cybersecurity specialists;
• Intrusion detection systems and 24/7 monitoring of platform infrastructure for anomalous activity.

In the event of a data breach that is likely to result in a risk to your rights and freedoms, sk99 will notify affected players without undue delay and will report the incident to the relevant regulatory authority in accordance with applicable law.

11 Third-Party Links

sk99.im may contain links to third-party websites, game providers' promotional pages, or payment processor portals. This Privacy Policy applies exclusively to data processed by sk99 and does not extend to any third-party websites or services. sk99 is not responsible for the privacy practices or content of any linked third-party site. We encourage you to read the privacy policy of any external site before submitting personal data to it.

12 Children's Privacy

sk99 does not knowingly collect personal data from individuals under the age of 21. Our platform is strictly intended for adult players only. If we become aware that a registered account belongs to a person under 21 years of age, we will immediately suspend the account, delete associated personal data where legally permissible, and forfeit any balances in accordance with our Terms & Conditions.

If you have reason to believe that a minor has registered an sk99 account, please contact us immediately at [email protected] so that we can investigate and take appropriate action.

13 Changes to This Privacy Policy

sk99 reserves the right to update this Privacy Policy from time to time to reflect changes in our data processing practices, regulatory requirements, or platform features. When we make material changes, we will notify registered players via email or an in-platform notification at least 14 days before the changes take effect.

The "Last Updated" date at the top of this page will always reflect the date of the most recent revision. We encourage you to review this Policy periodically. Your continued use of sk99.im following notification of changes constitutes your acceptance of the revised Policy.

14 Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or sk99's data practices, please get in touch with our support team. We aim to acknowledge all data-related queries within 24 hours and to provide a substantive response within 30 calendar days.

For complaints that cannot be resolved through our internal process, you may contact the relevant data protection authority in the jurisdiction under which sk99 holds its international gaming licence.