cow88 Privacy Policy — Philippines

1Introduction

This Privacy Policy explains how cow88 ("cow88", "we", "us", "our") collects, processes, stores, and protects personal information belonging to registered members and visitors of the cow88 platform at cow88.best.

cow88 serves the Philippine market and operates in compliance with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173), its Implementing Rules and Regulations, and the directives of the National Privacy Commission (NPC). This policy is written in plain English so every Filipino member understands exactly how their data is handled at cow88.

By registering an account at cow88 or by continuing to use our platform, you acknowledge that you have read and understood this Privacy Policy and consent to the collection and processing of your personal data as described here. If you do not agree with this Privacy Policy, please do not use the cow88 platform.

2What Personal Data cow88 Collects

cow88 collects personal data in several categories depending on your relationship with the platform. Below is a clear breakdown of what we collect and why each category is necessary.

2.1 Data We Do Not Collect

cow88 does not collect biometric data beyond document photographs submitted for KYC purposes. We do not collect data about your political views, religious beliefs, or any other special categories of sensitive personal information beyond what is strictly necessary for age and identity verification as required by Philippine gaming regulations.

3How cow88 Collects Your Data

cow88 collects personal information through the following channels:

3.1 Direct Collection

The majority of personal data at cow88 is collected directly from you. This happens when you register an account and complete the registration form; when you submit identity verification documents as part of our KYC process; when you make a deposit or request a withdrawal and enter your GCash or banking details; when you contact cow88 support via live chat or email; or when you participate in a promotion or competition.

3.2 Automatic Collection

When you access the cow88 platform, our systems automatically collect certain technical data about your device and session. This includes your IP address, the type of device you are using, your browser and operating system, and the pages or sections of cow88 you visit during each session. This data is collected to ensure the security and proper functioning of the platform and to detect unusual access patterns that may indicate fraud or unauthorised account access.

3.3 Third-Party Sources

In some cases, cow88 may receive personal data about you from third-party sources. This includes payment processors and e-wallet providers (such as GCash and Maya) in connection with transaction processing and fraud prevention; identity verification service providers used to validate government-issued IDs; and from our responsible gaming monitoring partners where this is required for compliance with Philippine gaming regulations.

4How cow88 Uses Your Personal Data

cow88 uses your personal data for the following specific purposes. We do not use your data for any purpose that is incompatible with those listed here without first obtaining your additional consent.

• Account creation and management: To create and maintain your cow88 member account, verify your identity, and manage your profile and preferences.
• Processing bets and transactions: To accept and settle bets, process deposits and withdrawal requests, and maintain accurate financial records of all transactions through your cow88 account.
• Regulatory compliance: To meet our obligations under Philippine gaming laws, anti-money laundering regulations, and the directives of the National Privacy Commission and relevant gaming regulatory bodies.
• Fraud prevention and security: To detect, investigate, and prevent fraudulent activity, multi-accounting, bonus abuse, and unauthorised access to cow88 accounts.
• Customer support: To respond to your queries, resolve complaints, and improve the quality of our support services at cow88.
• VIP Club administration: To calculate and credit VIP points, determine tier status, process weekly cashback, and administer VIP Club benefits for eligible cow88 members.
• Platform improvement: To analyse how members use the cow88 platform, identify areas for improvement, and develop new features that better serve Filipino bettors.
• Marketing communications: To send you information about promotions, new features, and updates at cow88 — but only where you have given consent to receive such communications. You can withdraw consent at any time.
• Responsible gaming: To monitor betting patterns that may indicate problem gambling and to support our responsible gaming obligations under Philippine law.

5Legal Basis for Processing Your Data

Under the Philippine Data Privacy Act of 2012, cow88 processes your personal data on one or more of the following legal grounds:

• Contractual necessity: Processing is necessary to perform the contract between you and cow88 — specifically, to operate your betting account, process bets, and manage payments. Without this processing, cow88 cannot provide its services to you.
• Legal obligation: Processing is necessary for cow88 to comply with applicable Philippine laws — including gaming regulations, anti-money laundering laws, and tax obligations that require us to maintain records of member activity and financial transactions.
• Legitimate interest: Processing is necessary for cow88's legitimate interests including platform security, fraud prevention, and business analytics — provided these interests are not overridden by your rights and interests.
• Consent: For marketing communications and certain non-essential data uses, cow88 relies on your freely given, specific, and informed consent. You may withdraw consent at any time by contacting cow88 support or updating your communication preferences in your account settings.

6Data Sharing — Who We Share Your Information With

cow88 does not sell, rent, or trade your personal data to third-party marketing companies or data brokers. We share your data only with parties who have a legitimate operational need to access it in connection with the services we provide to you.

6.1 Payment Processors

When you make a deposit or withdrawal at cow88 via GCash, Maya, BDO, BPI, UnionBank, or any other supported Philippine payment channel, we share the financial transaction data necessary to process that payment with the relevant payment provider. These providers are bound by their own privacy and security obligations under Philippine law.

6.2 Identity Verification Providers

cow88 works with regulated identity verification service providers to validate government-issued IDs submitted during the KYC process. These providers receive only the specific document data required for verification purposes and are prohibited from using it for any other purpose.

6.3 Regulatory and Law Enforcement Authorities

cow88 will disclose personal data to Philippine gaming regulatory bodies, the National Privacy Commission, the Anti-Money Laundering Council (AMLC), law enforcement agencies, or other relevant Philippine government authorities where we are legally required to do so. cow88 will not disclose more data than is strictly required by the applicable legal obligation.

6.4 Technology and Platform Service Providers

cow88 uses third-party technology providers to operate certain elements of the platform — including cloud hosting, data analytics, and customer support infrastructure. These providers access personal data only to the extent necessary to perform their contracted services and are bound by data processing agreements that require them to maintain appropriate security standards.

7Data Retention — How Long We Keep Your Information

cow88 retains your personal data only for as long as necessary to fulfil the purposes described in this Privacy Policy, or for as long as required by applicable Philippine law — whichever is longer.

7.1 Active Account Data

While your cow88 account is active, we retain all account, transaction, and betting history data necessary to operate your account, process payments, administer VIP benefits, and comply with our regulatory obligations.

7.2 Closed Account Data

Following the closure of your cow88 account — whether at your request or due to a policy violation — cow88 is required under Philippine anti-money laundering regulations and gaming licensing conditions to retain certain transaction and identity records for a minimum of five years. After this mandatory retention period, your data will be securely deleted or anonymised.

7.3 Marketing Data

Where you have consented to receive marketing communications from cow88, we retain your contact details and communication preferences for this purpose until you withdraw consent. Upon withdrawal of consent, your data will be removed from our marketing lists within 30 days.

7.4 Automated Deletion

cow88 operates automated data deletion processes that regularly review retained data against our retention schedules and remove data that has exceeded its applicable retention period. This ensures we do not hold data beyond what is necessary.

8Security Measures — How cow88 Protects Your Data

cow88 takes the security of your personal data very seriously. We have implemented a comprehensive set of technical and organisational security measures designed to protect your information from unauthorised access, loss, alteration, or disclosure.

8.1 Technical Security

• 256-bit SSL/TLS encryption applied to all data transmitted between your device and the cow88 platform
• Encrypted data storage for sensitive personal and financial data at rest within our secure infrastructure
• Multi-factor authentication options available to all cow88 members for additional account protection
• Real-time fraud detection systems that monitor account activity for unusual patterns indicating unauthorised access or fraudulent behaviour
• Regular penetration testing and security audits conducted by independent security specialists

8.2 Organisational Security

• Access to personal data is limited to cow88 staff who have a genuine operational need — based on strict role-based access controls
• All cow88 staff with access to personal data undergo data protection training and are bound by confidentiality obligations
• A dedicated Data Protection Officer (DPO) oversees cow88's compliance with the Philippine Data Privacy Act
• Data breach response procedures are in place and tested regularly — in the event of a breach affecting your data, cow88 will notify you and the National Privacy Commission within the timeframes required by law

9Cookies and Tracking Technologies

cow88 uses cookies and similar tracking technologies to operate the platform effectively, remember your preferences, maintain your login session, and analyse how members use the platform so we can continue improving it.

9.1 Types of Cookies Used by cow88

• Essential cookies: Required for the cow88 platform to function correctly. These cannot be disabled — without them, features like login sessions, bet placement, and account access would not work.
• Functional cookies: Remember your preferences and settings at cow88, such as your preferred language or display options, so you do not need to reset them on every visit.
• Analytics cookies: Help cow88 understand how members navigate the platform — which pages are visited most, where members encounter issues, and how overall usage patterns change over time. This data is anonymised and used only to improve the cow88 experience.
• Security cookies: Used to detect and prevent fraudulent access attempts, verify that automated requests are not being made by bots, and maintain the integrity of account sessions.

9.2 Managing Cookies

You can control non-essential cookies through your browser settings. Most modern mobile and desktop browsers allow you to view, manage, and delete cookies. Disabling essential cookies will affect your ability to use the cow88 platform — you may not be able to log in or place bets if essential cookies are blocked. cow88 does not use third-party advertising cookies or tracking pixels that share your data with external advertisers.

10Your Privacy Rights as a Philippine Data Subject

Under the Philippine Data Privacy Act of 2012, you have the following rights with respect to the personal data cow88 holds about you. cow88 is committed to honouring these rights promptly and without unnecessary obstacles.

To exercise any of your privacy rights, contact cow88's Data Protection Officer at privacy@cow88.best or via the live chat function in your account. cow88 will respond to all privacy rights requests within 15 business days in accordance with NPC requirements.

11Children's Privacy — Strictly 21 and Above

cow88 is strictly for persons aged 21 years and above, in accordance with Philippine gaming law. cow88 does not knowingly collect personal data from persons under 21 years of age. The platform incorporates age verification measures during registration to prevent access by underage individuals.

If cow88 becomes aware that a person under 21 has registered an account or submitted personal data to the platform, we will immediately close the associated account, delete the personal data collected, and return any deposits to the payment method used. If you are a parent or guardian and believe a person under 21 may have accessed cow88, please contact us immediately at support@cow88.best.

12Amendments to This Privacy Policy

cow88 reviews this Privacy Policy regularly and updates it when necessary to reflect changes in our data practices, applicable Philippine law, or National Privacy Commission guidance. When we make material changes to this policy, we will notify registered members via email and/or an in-platform notification before the changes take effect.

The "Last Updated" date displayed on this page indicates when the most recent changes were made. We encourage you to review this Privacy Policy periodically. Your continued use of the cow88 platform following notification of changes constitutes acceptance of the revised Privacy Policy.

13Contact cow88 and Our Data Protection Officer

If you have any questions, concerns, or requests relating to this Privacy Policy or the way cow88 handles your personal data, please contact us through any of the following channels:

cow88's Data Protection Officer oversees compliance with the Philippine Data Privacy Act and serves as the primary point of contact for all privacy-related inquiries from members and from the National Privacy Commission. We aim to acknowledge all privacy inquiries within 2 business days and to resolve them fully within 15 business days.