Privacy and Policy Statement
Last Updated: June 10, 2026
Panaloko (“we,” “us,” or “our”) operates the website and application located at https://panalokoapp.sbs (the “Service”). This Policy Statement explains how we collect, use, store, and protect your personal information. By using our Service, you agree to the practices described herein. If you do not agree, please discontinue use immediately.
1. Information We Collect
1.1 Information You Provide
- Account registration details (name, email, date of birth, phone number).
- Profile information and user-generated content.
- Communication records with our support team.
- Verification documents (when required for age or identity checks).
1.2 Information Collected Automatically
- Device information (IP address, browser type, operating system, device identifiers).
- Usage data (pages visited, features used, time spent, click patterns).
- Location data (general geographic region based on IP, not precise GPS unless explicitly permitted).
- Cookies and similar tracking technologies (see Section 6).
1.3 Third-Party Information We may receive information from payment processors, fraud prevention services, and identity verification providers.
2. How We Use Your Information
- To Provide the Service: Account creation, authentication, transaction processing, and customer support.
- To Improve the Service: Analytics, bug fixes, feature development, and user experience optimization.
- To Ensure Security: Fraud detection, abuse prevention, and compliance with legal obligations.
- To Communicate: Service updates, security alerts, and marketing (only with your consent, which you may withdraw at any time).
- Legal Compliance: Tax reporting, regulatory filings, and responding to lawful requests from authorities.
3. Legal Basis for Processing
Under applicable data protection laws (including GDPR for EU users), we process personal data based on:
- Contractual necessity: To fulfill our Terms of Use.
- Legal obligation: To comply with laws and regulations.
- Legitimate interests: To maintain security, prevent fraud, and improve services.
- Consent: For marketing communications and optional features.
4. Data Sharing and Disclosure
We do not sell your personal information. We may share data with:
- Service Providers: Hosting, payment processing, analytics, and customer support platforms bound by confidentiality agreements.
- Legal Authorities: When required by law, court order, or to protect our rights and users’ safety.
- Business Transfers: In the event of a merger, acquisition, or asset sale, users will be notified.
5. Data Retention
We retain personal information only as long as necessary:
- Active accounts: Data retained for the duration of account activity plus applicable legal periods.
- Closed accounts: Data retained for 5 years to comply with financial and tax regulations, then securely deleted.
- Anonymized data: May be retained indefinitely for statistical purposes.
6. Cookies and Tracking Technologies
We use cookies to:
- Maintain session state and login status.
- Remember user preferences.
- Analyze traffic and usage patterns.
Cookie Types:
- Essential: Required for basic functionality. Cannot be disabled.
- Functional: Remember preferences. Optional.
- Analytics: Help us understand usage. Optional.
- Marketing: Used for targeted advertising (only with consent). Optional.
You can manage cookie preferences through your browser settings or our Cookie Consent banner. Learn more at All About Cookies (external).
7. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access: Request a copy of your personal data.
- Correction: Update inaccurate or incomplete information.
- Deletion: Request deletion of your data (subject to legal retention requirements).
- Restriction: Limit how we process your data.
- Portability: Receive your data in a machine-readable format.
- Objection: Object to processing based on legitimate interests or direct marketing.
- Withdraw Consent: At any time, without affecting the lawfulness of prior processing.
To exercise these rights, contact privacy@panalokoapp.sbs. We respond within 30 days.
8. Data Security
We implement industry-standard measures:
- Encryption in transit (TLS 1.3) and at rest (AES-256).
- Regular security audits and penetration testing.
- Access controls and two-factor authentication for staff.
- Incident response procedures.
No system is completely secure. We notify affected users and authorities promptly in the event of a breach.
9. International Data Transfers
Panaloko operates globally. Your data may be transferred to and processed in countries outside your residence, including the United States and the Philippines. We ensure adequate protection through standard contractual clauses and adequacy decisions where required by law.
10. Children’s Privacy
Our Service is not intended for individuals under 18. We do not knowingly collect data from children. If we discover that a minor has provided personal information, we delete it immediately. See our Responsible Gaming page for more.
11. Third-Party Links
Our Service may contain links to external websites (e.g., support resources, payment providers). We are not responsible for their privacy practices. We encourage you to review their policies before submitting personal information.
12. Policy Changes
We may update this Policy Statement periodically. Significant changes will be communicated via email or prominent notice on our Service. The “Last Updated” date at the top indicates the most recent revision.
13. Contact Information
For privacy-related inquiries:
- Email:privacy@panalokoapp.sbs
- Postal Address: Panaloko Privacy Office, [Business Address]
For general support:
- Email:support@panalokoapp.sbs
Related Pages: