Privacy Policy

1. Introduction

At loki88, we are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, share, and protect your data when you access or use our Platform. By creating an account or using loki88 services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection and processing of your personal data as described herein.

This Privacy Policy applies to all users of the loki88 Platform, including visitors to our website, registered players, and anyone who interacts with our services. We take our data protection responsibilities seriously and comply with applicable data protection laws and regulations governing the Indonesian market.

2. Information We Collect

To provide you with a secure and personalized gaming experience, loki88 collects various types of information. The data we collect falls into the following categories:

2.1 Personal Identification Information

When you register an account with loki88, we collect:

• Full legal name as it appears on your official identification documents
• Date of birth to verify that you meet our minimum age requirement of 21 years
• Email address for account communications and notifications
• Phone number for account verification and customer support
• Residential address including street, city, postal code, and province
• Nationality and country of residence
• Gender (optional, for personalization purposes)

2.2 Identity Verification Documents (KYC)

To comply with anti-money laundering (AML) regulations and ensure Platform security, we require:

• Government-issued identification: Indonesian National ID (KTP), passport, or driver's license
• Proof of address: Utility bill, bank statement, or official government correspondence dated within the last three months
• Selfie photograph: A clear photo of yourself holding your identification document
• Additional documentation: As may be required for enhanced due diligence or regulatory compliance

2.3 Financial Information

For deposit and withdrawal processing, we collect:

• Bank account details: Bank name (BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, Bank Permata, or others), account number, and account holder name
• E-wallet information: OVO, DANA, GoPay, ShopeePay, or LinkAja account details
• Transaction history: Records of all deposits, withdrawals, bets placed, and winnings
• Payment verification: Receipts or screenshots of payment confirmations when requested

Important Note: We do not store full credit card numbers, CVV codes, or complete banking credentials. All payment transactions are processed through secure, encrypted payment gateways operated by licensed third-party payment processors.

2.4 Technical and Usage Data

We automatically collect certain technical information when you use loki88:

• Device information: Type of device (mobile, tablet, desktop), operating system, browser type and version
• IP address: Your Internet Protocol address for security monitoring and geolocation verification
• Log data: Access times, pages viewed, time spent on pages, links clicked, and the referring website
• Gaming activity: Games played, bet amounts, win/loss records, session duration, and gameplay patterns
• Cookies and similar technologies: Data collected through cookies, web beacons, and tracking pixels (see Section 8 for details)

2.5 Communications

We retain records of:

• Customer support interactions: Chat transcripts, email correspondence, and phone call recordings
• Marketing preferences: Your consent status for promotional communications
• Feedback and surveys: Any opinions or information you voluntarily provide

3. How We Use Your Information

loki88 uses the collected information for the following purposes:

3.1 Account Management and Service Provision

• Creating and maintaining your player account
• Verifying your identity and age (21+ requirement)
• Processing deposits, withdrawals, and other financial transactions
• Enabling you to participate in games, place bets, and access Platform features
• Maintaining accurate records of your gaming activity and transaction history

3.2 Security and Fraud Prevention

• Detecting and preventing fraudulent activity, money laundering, and account takeover attempts
• Monitoring for unusual betting patterns or suspicious transactions
• Protecting the integrity of our games and ensuring fair play
• Complying with anti-money laundering (AML) and counter-terrorism financing (CTF) obligations
• Investigating and resolving disputes, errors, or violations of our Terms and Conditions

3.3 Customer Support

• Responding to your inquiries, questions, and support requests
• Providing assistance with account issues, payment problems, or technical difficulties
• Offering guidance on responsible gaming tools and self-exclusion options

3.4 Personalization and Improvement

• Tailoring your gaming experience based on your preferences and activity
• Recommending games, bonuses, or features that may interest you
• Analyzing usage patterns to improve Platform performance, functionality, and user experience
• Conducting research and development to introduce new features or games

3.5 Marketing and Communications (With Your Consent)

• Sending promotional offers, bonus notifications, and exclusive VIP rewards (only if you have opted in)
• Informing you about new games, features, tournaments, or special events
• Providing updates about changes to our Terms, Privacy Policy, or Platform operations

You can opt out of marketing communications at any time by adjusting your account settings or clicking the unsubscribe link in promotional emails. Please note that even if you opt out of marketing communications, we may still send you essential service-related messages such as security alerts, transaction confirmations, and legal notices.

3.6 Legal and Regulatory Compliance

• Fulfilling legal obligations under Indonesian law and international regulations
• Cooperating with law enforcement, regulatory authorities, or court orders when legally required
• Maintaining records for audit and compliance purposes
• Enforcing our Terms and Conditions and protecting our legal rights

4. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Specific retention periods include:

• Active accounts: Personal and transaction data is retained for the duration of your account's active status
• Closed accounts: After account closure, we retain essential data for 7 years to comply with financial regulations, tax requirements, and anti-money laundering laws
• Identity verification documents: KYC documents are retained for 7 years after account closure
• Transaction records: Financial transaction data is retained for 7 years for auditing and legal compliance
• Customer support records: Chat logs and correspondence are retained for 3 years
• Marketing data: If you opt out of marketing communications, your preferences are retained indefinitely to honor your request

After the applicable retention period expires, we will securely delete or anonymize your personal information in accordance with data protection best practices.

5. How We Share Your Information

loki88 does not sell, rent, or trade your personal information to third parties for their marketing purposes. However, we may share your data with the following categories of recipients when necessary:

5.1 Service Providers and Business Partners

We work with trusted third-party service providers who assist us in operating the Platform and delivering services to you. These partners include:

• Payment processors: Banks and e-wallet providers (BCA, BRI, BNI, Mandiri, OVO, DANA, GoPay, etc.) to process deposits and withdrawals
• Game providers: Licensed software providers such as Pragmatic Play, Evolution Gaming, Microgaming, and NetEnt who deliver casino games and sports betting platforms
• Identity verification services: KYC and AML compliance providers who verify your identity and screen for regulatory risks
• Cloud hosting providers: Secure data centers that store Platform information and databases
• Customer support platforms: Live chat and helpdesk software providers
• Analytics providers: Tools that help us understand Platform usage and improve user experience

All service providers are contractually bound to protect your data and use it only for the specific purposes we authorize. We conduct due diligence to ensure they maintain appropriate security standards.

5.2 Legal and Regulatory Authorities

We may disclose your information to government authorities, law enforcement agencies, or regulatory bodies when:

• Required by law, court order, subpoena, or legal process
• Necessary to comply with anti-money laundering (AML), counter-terrorism financing (CTF), or other regulatory obligations
• Requested by authorities investigating suspected illegal activity, fraud, or security threats
• Required to protect the rights, property, or safety of loki88, our users, or the public

5.3 Business Transfers

In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your personal information may be transferred to the acquiring entity or successor organization. We will notify you of any such change and provide you with choices regarding your data if required by law.

5.4 With Your Consent

We may share your information with other parties when you provide explicit consent for us to do so.

6. Data Security

Protecting your personal information is a top priority at loki88. We implement comprehensive security measures to safeguard your data against unauthorized access, disclosure, alteration, or destruction:

• Encryption: All data transmitted between your device and our servers is protected by 256-bit SSL (Secure Socket Layer) encryption, the same standard used by banks and financial institutions
• Secure servers: Our databases are hosted in secure, ISO-certified data centers with 24/7 monitoring, firewalls, and intrusion detection systems
• Access controls: Personal information is accessible only to authorized employees and service providers who require it to perform their duties. All staff undergo security training and are bound by confidentiality agreements
• Regular security audits: We conduct periodic vulnerability assessments and penetration testing to identify and address potential security risks
• Secure payment processing: Financial transactions are processed through PCI DSS compliant payment gateways that meet international security standards
• Account security features: We encourage you to use strong passwords, enable two-factor authentication (if available), and never share your login credentials

Despite our best efforts, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your personal information using industry-standard security measures, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials and notifying us immediately if you suspect unauthorized access.

7. Your Rights and Choices

As a loki88 user, you have the following rights regarding your personal information:

7.1 Access and Portability

You have the right to request access to the personal information we hold about you. We will provide you with a copy of your data in a commonly used electronic format. To request your data, contact our customer support team.

7.2 Correction and Update

You can update most of your personal information directly through your account settings. For information that cannot be changed online (such as your name or date of birth), contact customer support with appropriate documentation.

7.3 Deletion

You may request deletion of your personal information, subject to legal and regulatory retention requirements. Please note that we are obligated to retain certain data for 7 years for compliance purposes. After account closure, we will retain only the minimum data necessary to meet legal obligations and delete the rest.

7.4 Opt-Out of Marketing

You can opt out of promotional communications at any time by adjusting your email preferences in your account settings or clicking the unsubscribe link in marketing emails. You will continue to receive essential service-related messages.

7.5 Objection and Restriction

You may object to certain types of data processing or request that we restrict how we use your information. However, this may limit your ability to use certain Platform features.

8. Cookies and Tracking Technologies

loki88 uses cookies, web beacons, and similar technologies to enhance your experience, analyze Platform usage, and deliver personalized content. Cookies are small text files stored on your device that help us recognize you and remember your preferences.

Types of Cookies We Use:

Cookie Type	Purpose	Duration
Essential Cookies	Required for Platform functionality, account login, and security	Session or up to 1 year
Performance Cookies	Collect anonymous data about how you use the Platform to improve performance	Up to 2 years
Functionality Cookies	Remember your preferences (language, currency, game favorites)	Up to 1 year
Analytics Cookies	Help us understand user behavior and measure Platform effectiveness	Up to 2 years

You can manage cookie preferences through your browser settings. However, disabling essential cookies may prevent you from accessing certain Platform features.

9. Third-Party Links

The loki88 Platform may contain links to third-party websites, game providers, or services. This Privacy Policy applies only to loki88. We are not responsible for the privacy practices or content of third-party sites. We encourage you to review the privacy policies of any external sites you visit.

10. Children's Privacy

loki88 services are intended exclusively for individuals who are at least 21 years of age. We do not knowingly collect personal information from anyone under 21. If we discover that a user is underage, we will immediately close the account, void all transactions, and delete any personal information collected. Parents or guardians who believe their child has provided information to loki88 should contact us immediately.

11. International Data Transfers

Your personal information may be stored and processed in data centers located outside of Indonesia. When we transfer data internationally, we ensure that appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable data protection laws.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated policy on this page with a revised "Last Updated" date. For material changes, we will provide notice through email or a prominent Platform notification. Your continued use of loki88 services after changes become effective constitutes acceptance of the updated Privacy Policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

• Email: [email protected] (plain text only, not a clickable link)
• Live Chat: Available 24/7 through your account dashboard
• Customer Support: Contact our Indonesian-speaking support team via WhatsApp during WIB business hours

We will respond to all privacy-related inquiries within 30 days.