ph money Privacy Policy – How We Protect Your Data

This Privacy Policy applies to all services operated under the ph money brand, including the website, mobile interface, customer support channels, and cashier. It describes how ph money acts as a personal information controller under Republic Act No. 10173, the Data Privacy Act of 2012 of the Philippines, and its implementing rules.

ph money may update this policy periodically to reflect changes in our practices, new legal requirements, or operational improvements. When significant updates are made, ph money will notify registered users through a platform notice or the email address on their account. Continued use of ph money after an update constitutes acceptance of the revised policy.

This policy covers only data collected and processed by ph money directly. It does not cover information collected by third-party payment processors or other external services when you interact with them independently. Those parties have their own privacy policies that govern their data practices.

ph money collects personal information in several ways, depending on how you interact with the platform. The categories and typical examples of data collected are outlined below.

ph money does not collect information beyond what is reasonably necessary for the purposes described in this policy. We do not ask for your payment card PINs, full bank account numbers beyond what is required for a transaction reference, or social media passwords.

Every piece of personal data collected by ph money is used for a specific, legitimate purpose. We do not collect information speculatively or retain it beyond its useful purpose. The main reasons ph money processes your data include:

• Account management: Creating, verifying, and maintaining your ph money account, including password resets and login security.
• Service delivery: Processing deposits and withdrawals, settling wagers, and providing access to the ph money game library.
• Identity verification: Confirming that each ph money user meets eligibility requirements, including age and identity checks required under applicable regulations.
• Fraud prevention and security: Detecting suspicious activity, protecting accounts from unauthorised access, and complying with anti-money laundering obligations.
• Customer support: Responding to queries, investigating complaints, and resolving disputes on the ph money platform.
• Legal compliance: Meeting reporting and record-keeping requirements under Philippine law, including the Data Privacy Act and anti-money laundering regulations.
• Platform improvement: Understanding how users interact with ph money in aggregate, without identifying individual users, to improve the site experience.
• Responsible gaming: Monitoring account activity patterns that may indicate problematic gambling behaviour and triggering relevant support tools.

ph money will not use your personal information for purposes incompatible with those listed here without first notifying you and, where required, obtaining your separate consent.

ph money does not sell personal information. We share data only where it is necessary to deliver the service, comply with legal obligations, or protect the platform and its users. The categories of recipients who may receive ph money user data include:

1. Payment processors: GCash, Maya, GrabPay, Coins.ph, InstaPay, PESONet, BDO, BPI, UnionBank, Visa, and Mastercard receive transaction-level data necessary to process deposits and withdrawals. Each of these providers processes data under their own terms and privacy policies.
2. Identity verification partners: Third-party KYC service providers may process identity documents and selfie images to confirm that ph money users meet eligibility requirements.
3. Regulatory authorities: ph money may be required to share transaction records, account data, or identity information with Philippine regulatory agencies, law enforcement bodies, or court-mandated processes.
4. Anti-fraud and security services: Specialised services that help ph money identify suspicious activity, bot access, or potential money laundering patterns may receive limited technical and transactional data.
5. Professional advisers: Lawyers, auditors, and accountants engaged by ph money in the course of legitimate business operations may access records under confidentiality obligations.

When ph money engages third-party processors, we require contractual commitments to protect your data to a standard equivalent to this policy. We do not transfer personal data outside the Philippines except where necessary for the services described and where appropriate safeguards are in place.

ph money retains personal information for as long as it is needed to fulfil the purpose for which it was collected, or as required by applicable Philippine law. The general approach to retention is:

• Active accounts: Data is retained for the full duration of the account relationship and for a minimum period after closure as required by financial and gaming regulations.
• Transaction records: Financial transaction data is retained for the period required under anti-money laundering laws applicable to ph money operations.
• Identity documents: KYC documents are retained for the period specified by regulatory requirements applicable to ph money, even after an account is closed.
• Support communications: Records of interactions with ph money customer support are retained for a reasonable period to support the resolution of ongoing or potential disputes.
• Marketing preferences: Records of communication preferences are kept until they are updated or the account is permanently closed.

When personal data is no longer required and there is no legal basis for retaining it, ph money will securely delete or anonymise it so that it can no longer be linked to any individual.

ph money implements technical and organisational measures designed to protect personal information against accidental or unlawful destruction, loss, alteration, unauthorised disclosure, or access. These measures are reviewed and updated as technology and risk profiles change.

• Encryption of data in transit using current industry standards.
• Access controls that limit which ph money staff members can view personal account data based on their operational role.
• Secure storage practices that reduce the risk of unauthorised access to identity documents and financial records.
• Monitoring for unusual access patterns or suspicious activity that may indicate a security incident.
• Regular internal reviews of data handling practices to identify and address potential vulnerabilities.

Despite these measures, no online platform can guarantee absolute security. In the event of a data breach that is likely to adversely affect ph money users, we will notify affected individuals and, where required, the relevant Philippine regulatory authority within the timeframes required by law.

You can also help protect your ph money account by using a strong, unique password, enabling any available two-factor authentication, and logging out of the platform after each session on a shared device.

Under the Philippine Data Privacy Act of 2012, you have rights over the personal data that ph money holds about you. ph money is committed to respecting and facilitating the exercise of these rights promptly and without unnecessary barriers.

To exercise any of these rights, contact the ph money support team at support@phmoney.best with your account details and a description of your request. ph money will verify your identity before processing any privacy right request to protect your account from unauthorised access by others.

ph money uses cookies and similar technologies to operate the platform, improve your experience, and support security functions. A cookie is a small text file placed on your device when you visit ph money. It does not give ph money access to your device beyond the data it stores.

The types of cookies ph money uses include:

• Essential cookies: Required for the ph money platform to function, including maintaining your logged-in session and processing transactions securely. These cannot be disabled without preventing the service from working.
• Analytics cookies: Help ph money understand aggregate user behaviour, such as which pages are visited most often and where users encounter issues. This data is reviewed in anonymised form.
• Security cookies: Assist in detecting and preventing fraudulent activity and unusual access patterns on the ph money platform.
• Preference cookies: Remember your language, display preferences, and other settings so you do not have to re-enter them on each visit.

You can manage or delete cookies through your browser settings. Disabling all cookies may affect the functionality of ph money and prevent some features from working correctly. ph money does not use cookies to track you across third-party websites unrelated to our services.

If you have questions about how ph money handles your personal data, or if you wish to exercise a privacy right, contact the ph money data privacy team at support@phmoney.best. Please include your registered email address and a clear description of your request.

ph money will acknowledge privacy-related requests promptly and resolve them within the timeframes required by the Data Privacy Act. If you are not satisfied with ph money's response to a privacy concern, you may submit a complaint to the National Privacy Commission of the Philippines, which is the relevant supervisory authority for personal data protection matters in the country.