This Privacy Policy explains how 99ef collects, uses, stores and protects your personal data when you use our platform. We are committed to handling your information responsibly, transparently and in accordance with applicable data protection principles. Please read this Policy carefully before registering an Account.
These summary cards highlight the key aspects of our data practices. They do not replace the full Policy text — always read the complete sections below for the authoritative statement of our data handling obligations.
We collect registration details (name, date of birth, email), identity verification documents (CNIC or passport), financial transaction data, device and browser information, and behavioural data generated through your use of the platform. We collect only what is necessary for legitimate purposes.
Your data is used to operate your Account, verify your identity, process transactions, prevent fraud and money laundering, provide customer support, and comply with applicable regulatory obligations. We do not sell your personal data to third parties for marketing.
SSL encryption secures all data in transit. Access to personal data is restricted to authorised personnel on a need-to-know basis. We maintain technical and organisational security measures proportionate to the sensitivity of the data held.
Data is shared only with trusted service providers (payment processors, identity verification services, fraud prevention tools) and where legally required (law enforcement, regulatory bodies). We do not share data with third-party advertisers or data brokers.
You have the right to access, correct and in certain circumstances request deletion of your personal data. You may withdraw consent for non-essential data processing at any time. Submit requests to our support team — details at the end of this Policy.
Account data is retained for the duration of the Account and for a period thereafter as required by AML, tax and regulatory obligations. Identity verification documents are typically retained for a minimum of five years following account closure in line with standard AML requirements.
This Privacy Policy ("Policy") is issued by 99ef ("the Platform", "we", "us", "our"), the operator of the online betting and casino service accessible at https://99ef.cam. This Policy describes how we collect, process, store, share and protect personal data relating to individuals who visit or use our website and associated services ("Users", "you", "your").
99ef is committed to protecting the privacy of its users and to handling personal data in a manner that is lawful, fair, transparent and proportionate to the purposes for which it is processed. This Policy is intended to give you a clear understanding of what data we hold about you and why, so that you can make informed decisions about your use of the Service.
By registering an Account, making a deposit or otherwise using the 99ef Service, you acknowledge that you have read and understood this Privacy Policy. If you do not agree to the practices described in this Policy, please do not use the Service.
Users accessing this Service from Pakistan should be aware that Pakistan's Personal Data Protection Bill (PDPB) and related legislation may govern certain aspects of how your data can be processed by local entities. 99ef operates under the data protection framework of its operating jurisdiction. Nothing in this Policy constitutes legal advice. For specific guidance on your data rights under Pakistani law, you should consult a qualified legal professional.
The following definitions apply throughout this Privacy Policy:
99ef collects Personal Data through multiple channels. The categories of data collected are described below.
| Category | Examples | Collection Method |
|---|---|---|
| Registration Data | Full name, date of birth, email address, username, country of residence | Provided directly during account registration |
| Identity Verification | CNIC or passport copy, selfie/liveness image, proof of address | Submitted through the KYC verification portal |
| Financial Data | Deposit/withdrawal history, transaction amounts in PKR, payment method references | Generated through cashier transactions |
| Betting & Gaming Data | Bet history, game sessions, wagering amounts, win/loss records | Generated automatically through platform use |
| Technical Data | IP address, device type, browser type, operating system, session timestamps | Collected automatically via server logs and cookies |
| Communications Data | Support chat transcripts, email correspondence, complaint records | Generated through customer service interactions |
| Marketing Preferences | Opt-in/opt-out records for promotional communications | Set by the user in Account preferences |
99ef does not intentionally collect sensitive personal data such as racial or ethnic origin, political opinions, religious beliefs, trade union membership, genetic data, biometric data (except where required for liveness verification as part of KYC), or data concerning health conditions beyond what is disclosed voluntarily in a responsible gambling context. We do not collect data from individuals who have not knowingly interacted with the Service.
Where applicable data protection law requires a lawful basis for processing Personal Data, 99ef relies on the following bases depending on the nature of the processing:
Personal Data collected by 99ef is used for the following purposes:
To create, verify, maintain and close your Account; to authenticate your identity at login; to communicate account-related notifications including security alerts, transaction confirmations and policy updates.
To process deposits and withdrawal requests in PKR; to verify payment method ownership; to detect and prevent fraudulent transactions; to comply with applicable financial crime prevention obligations.
To verify that you meet the minimum age requirement (18+ or the higher minimum required by the operator's license jurisdiction); to confirm your identity in accordance with AML compliance requirements; to assess source of funds where required for higher-value transactions.
To monitor betting patterns that may indicate problem gambling behaviour; to enforce account-level limits, cool-off periods or self-exclusions set by the User or applied by the Platform under its responsible gambling obligations; to identify and act on self-exclusion requests.
To detect and investigate suspicious activity, multi-accounting, collusion or use of automated tools; to enforce the Platform's Terms & Conditions; to protect the security and integrity of the Service and its users.
To respond to support requests, complaints and dispute submissions; to maintain records of interactions for quality assurance and dispute resolution purposes.
Where you have provided consent, to send you promotional emails, bonus notifications and platform updates. You may opt out at any time by updating your communication preferences in the Account settings or by contacting support. Withdrawal of marketing consent does not affect your ability to use the Service.
To analyse aggregated, anonymised usage patterns for the purpose of improving platform performance, user experience and product development. Where analytics involve individual-level data, it is processed on the basis of legitimate interests.
99ef does not sell, rent or trade Personal Data to third parties for marketing or commercial purposes. Personal Data is shared only in the following circumstances:
We engage trusted third-party service providers to assist with operating the Platform. These include identity verification providers, payment processors, fraud detection services, cloud hosting providers and customer support tooling. These processors act under contractual obligations to process Personal Data only on our instructions and in accordance with this Policy.
Personal Data may be disclosed to law enforcement agencies, financial intelligence units, regulatory authorities or courts where we are required to do so by applicable law, court order or regulatory directive. 99ef will comply with lawful requests from competent authorities while seeking to minimise the scope of disclosure where legally permitted.
In the event of a merger, acquisition, restructuring or sale of assets involving 99ef, Personal Data may be transferred to the relevant successor entity. Where such a transfer occurs, users will be notified in accordance with applicable law, and the successor will be bound to treat your Personal Data in accordance with standards no less protective than those set out in this Policy.
When you conduct a transaction using a payment method such as those associated with Easypaisa, JazzCash, Raast, HBL, UBL, Meezan Bank or Bank Alfalah, relevant transaction data is transmitted to those providers as necessary to process your payment. These providers operate under their own privacy policies and terms. 99ef does not control how those providers handle data transmitted in the course of their own payment processing obligations.
99ef does not sell or commercially transfer your personal data to third-party advertisers, data brokers or marketing agencies. Your data is never used to build advertising profiles for unrelated commercial entities.
99ef uses cookies and similar tracking technologies to operate the Platform effectively, maintain your session, measure performance and improve the user experience. The following categories of cookies are used:
You may adjust your browser settings to refuse or delete cookies; however, doing so may affect the functionality of the Service, including your ability to log in and maintain a session. 99ef does not use third-party advertising or retargeting cookies.
99ef may transfer Personal Data to, or process Personal Data in, countries outside of the User's country of residence, including countries that may not have data protection laws equivalent to those in the User's jurisdiction. Where such transfers occur, 99ef takes steps to ensure that adequate safeguards are in place to protect Personal Data during and after the transfer, including through contractual mechanisms with Data Processors.
Users in Pakistan should note that data transferred outside Pakistan may be processed in jurisdictions with different legal frameworks. 99ef cannot guarantee that foreign legal systems will provide the same level of protection as Pakistani law or the data protection framework of any other jurisdiction. By using the Service, you acknowledge that your data may be processed internationally for the purposes described in this Policy.
Personal Data is retained for as long as necessary to fulfil the purposes for which it was collected, including compliance with legal, regulatory, accounting and reporting obligations. The following general retention guidelines apply:
When Personal Data is no longer required, it is deleted or anonymised in a secure manner. Anonymised data may be retained indefinitely for aggregated analytics purposes.
99ef implements technical and organisational security measures designed to protect Personal Data against unauthorised access, accidental loss, destruction or disclosure. These measures include:
While 99ef takes data security seriously and maintains reasonable industry-standard protections, no system is entirely impervious to attack or error. In the event of a data breach that poses a risk to your rights, 99ef will take steps to notify affected users and relevant authorities in accordance with applicable legal obligations.
You are responsible for maintaining the security of your Account credentials. Never share your password with anyone. 99ef will never request your password by email, live chat or any channel other than the official login page. If you suspect your Account has been compromised, contact support immediately.
Subject to applicable data protection law and certain limitations related to our legal obligations, you may have the following rights in respect of your Personal Data held by 99ef. To exercise any of these rights, please contact us using the details in Section 15.
Request a copy of the Personal Data we hold about you, along with information about how it is processed.
Request correction of inaccurate or incomplete Personal Data held in your Account. Some corrections may require supporting documentation.
Request deletion of your Personal Data where it is no longer necessary, where you withdraw consent, or where processing was unlawful. This right is subject to our legal retention obligations.
Object to processing carried out on the basis of legitimate interests. We will assess whether our compelling legitimate grounds override your interests.
Request that we restrict processing of your data in certain circumstances — for example, while a rectification request is under review.
Where processing is based on consent or contractual necessity and carried out by automated means, request your data in a structured, commonly used, machine-readable format.
We will respond to verified rights requests within a reasonable timeframe. In some cases, we may need to verify your identity before fulfilling a request. Where a request is refused, we will provide the reason in writing.
The 99ef Service is strictly for adults aged 18 years and over — or the higher minimum age required by the operator's license jurisdiction. We do not knowingly collect Personal Data from individuals under the age of 18. If we become aware that Personal Data has been collected from a minor, the associated Account will be immediately suspended, the data reviewed and any improperly collected data deleted without undue delay.
If you are a parent or guardian and believe that a minor has registered an Account or submitted Personal Data to 99ef, please contact our support team immediately so that we can investigate and take appropriate action.
The 99ef platform does not include links to third-party websites in its main navigation or content pages. However, where third-party services are integrated into the platform — such as payment processors, live chat tools or identity verification services — those services operate under their own privacy policies. 99ef is not responsible for the data practices of third-party service providers beyond the contractual obligations we impose on them as Data Processors.
We recommend reviewing the privacy policies of any payment method provider you use in connection with your 99ef Account, including those associated with Easypaisa, JazzCash, Raast, HBL, UBL, Meezan Bank or Bank Alfalah, to understand how those organisations process your financial and personal information independently of 99ef.
99ef reserves the right to update or amend this Privacy Policy at any time to reflect changes in applicable law, regulatory guidance, operational practices or the nature of data processing activities. Material changes to this Policy — particularly those affecting your rights or the purposes for which your data is used — will be communicated to registered Account holders via the platform or by email to the address registered on your Account.
The "Last Updated" date displayed at the top of this page reflects the most recent revision. Your continued use of the Service following notification of a revised Policy constitutes acceptance of the changes. If you do not accept the revised Policy, you may close your Account in accordance with the Terms & Conditions.
If you have any questions, concerns or requests relating to this Privacy Policy or the processing of your Personal Data, please contact the 99ef data team through the following channels:
Please include "Privacy Request" in the subject line. Plain text — not a clickable link. Response target: 30 days for formal data rights requests.
For general privacy questions. Formal data rights requests should be submitted via email for record-keeping purposes.
We will verify your identity before actioning any data rights request to ensure we are responding to the correct individual. Response times for formal requests may vary depending on complexity but we will acknowledge receipt within five working days and provide a substantive response within 30 days where possible.
Your privacy matters to us. If you have questions about how your data is handled, our support team is available around the clock. You can also review our full Terms & Conditions or head back to the homepage to continue exploring 99ef.
🔞 18+ Only — or the higher minimum required by the operator/license jurisdiction. Gambling involves financial risk. Local laws in Pakistan may restrict gambling. This site does not claim to hold a Pakistani gambling licence or imply endorsement by any Pakistani regulatory body or financial institution.