luk91 Privacy Policy

This Privacy Policy sets out the data protection practices of luk91 ("we", "us", "our", "the Operator") in relation to the personal data of all individuals who access, register with, or otherwise interact with the luk91 online casino and sports betting platform at luk91.com ("the Platform").

luk91 is committed to handling personal data responsibly, transparently, and in accordance with applicable data protection requirements as mandated under our international gaming licence. We recognise that the trust of our Pakistani player base is foundational to everything we do — and that trust begins with honest, clear communication about how your data is handled.

This Policy applies to all personal data collected through luk91.com, including data collected during account registration, identity verification (KYC), deposits and withdrawals, gameplay, customer support interactions, and promotional communications. It also applies to data collected through cookies and similar tracking technologies as described in Section 10.

This Privacy Policy should be read alongside the luk91 Terms & Conditions, which govern your use of the Platform and are incorporated herein by reference.

For the purposes of this Privacy Policy, the data controller responsible for the personal data of luk91 players is the Operator — the entity holding the international gaming licence under which luk91 operates and provides its services to players, including players based in Pakistan.

The Operator processes personal data of luk91 players for the purposes described in this Privacy Policy. All data processing activities are conducted in accordance with the conditions and obligations of luk91's international gaming licence, which includes data protection obligations as a core compliance requirement.

For any privacy-related enquiries, data subject rights requests, or concerns regarding the use of your personal data, you may contact the luk91 Data Protection contact via email at [email protected] with the subject line "Data Privacy Request". All such requests will be handled within the timeframes set out in Section 11 of this Policy.

luk91 collects personal data that is necessary for the lawful operation of an international online gaming platform. The categories of personal data we collect from Pakistani players include, but are not limited to, the following:

luk91 does not collect sensitive personal data such as racial or ethnic origin, religious beliefs, political opinions, or health data, except where health-related information is voluntarily provided in the context of a responsible gaming self-exclusion or problem gambling support request, in which case it is processed solely to provide the requested assistance.

luk91 collects personal data through several direct and automated channels across the lifecycle of a player's relationship with the Platform:

• Account Registration: When you complete the luk91 registration form, you directly provide your name, date of birth, email address, mobile number, and residential address.
• KYC Verification: When you submit identity documents to complete the mandatory Know Your Customer (KYC) process prior to withdrawal of funds, you provide identity and address documentation directly to luk91 or to our authorised third-party verification partner.
• Deposits and Withdrawals: When you make a deposit or request a withdrawal via JazzCash, EasyPaisa, HBL, UBL, Meezan Bank, SadaPay, or USDT TRC20, your payment method details and transaction amounts are captured and recorded.
• Gameplay: All gameplay activity on luk91 — including live baccarat tables, Dragon Tiger rounds, HRG Live sessions, slot spins, and PSL cricket betting — is automatically recorded in your account transaction history as part of the Platform's standard operation.
• Cookies and Tracking Technologies: When you browse luk91.com, our servers and analytics tools automatically collect technical data including your IP address, device information, and session behaviour. See Section 10 for full details.
• Customer Support: When you contact luk91 support via email at [email protected], all correspondence is retained as part of your account record for the duration described in Section 8.
• Third-Party Sources: luk91 may receive data about you from authorised third parties, including identity verification providers, fraud prevention agencies, and payment processors, for the purposes of completing KYC checks and AML compliance obligations.

luk91 uses personal data collected from players exclusively for legitimate operational, legal, and compliance purposes. We do not use personal data for purposes incompatible with those stated at the time of collection. The primary purposes for which we process your personal data are:

• Account Management: Creating, maintaining, and administering your luk91 account, including processing login authentication, managing your PKR balance, and recording preferences.
• KYC and Age Verification: Verifying that you are at least 21 years of age and confirming your identity in compliance with our gaming licence obligations and anti-money laundering regulations.
• Payment Processing: Facilitating PKR deposits and withdrawals via your chosen payment method — JazzCash, EasyPaisa, HBL, UBL, Meezan Bank, SadaPay, or USDT TRC20 — and maintaining transaction records for regulatory purposes.
• Fraud Prevention and AML Compliance: Detecting, investigating, and preventing fraudulent activity, money laundering, multi-accounting, bonus abuse, and other prohibited conduct as defined in the luk91 Terms & Conditions.
• Game Integrity and Dispute Resolution: Using gameplay records to investigate disputed outcomes, verify the accuracy of wager settlements, and resolve complaints in accordance with the dispute resolution process set out in our Terms.
• Responsible Gaming: Monitoring gameplay patterns to identify signs of problem gambling behaviour and to administer deposit limits, cooling-off periods, and self-exclusion tools requested by players under our Responsible Gaming programme.
• Customer Support: Handling and resolving enquiries, complaints, and support requests submitted to luk91 via email or live chat, in English and Urdu, from 9:00 AM to 1:00 AM PKT.
• Personalised Promotions: Where you have opted in to marketing communications, using your gameplay history and preferences to personalise promotional offers, including PSL match-day bonuses and luk91 casino promotions relevant to Pakistani players.
• Legal and Regulatory Compliance: Fulfilling reporting obligations to regulatory authorities, responding to lawful information requests from law enforcement agencies, and maintaining records as required under the conditions of luk91's international gaming licence.
• Platform Improvement: Using aggregated, anonymised technical and gameplay data to analyse platform performance, identify technical issues, and improve the luk91 user experience.

luk91 processes personal data on one or more of the following legal bases, depending on the specific purpose of processing:

Where processing is based on your consent, you have the right to withdraw that consent at any time without affecting the lawfulness of processing that took place prior to withdrawal. Withdrawing marketing consent will not affect your ability to use the luk91 Platform or access your account.

luk91 does not sell, rent, or trade your personal data to third parties for their own commercial purposes. Data is shared only where necessary to operate the Platform, comply with legal obligations, or protect the integrity of luk91's gaming environment. The categories of third parties with whom luk91 may share your data are as follows:

• Identity Verification and KYC Providers: Authorised third-party KYC service providers who assist in verifying identity documents and performing age verification checks. These providers process data only on luk91's instructions and are bound by confidentiality obligations.
• Payment Processors: JazzCash, EasyPaisa, HBL, UBL, Meezan Bank, SadaPay, and USDT TRC20 network providers necessarily receive transactional data required to process your deposits and withdrawals. Each payment processor is subject to its own privacy terms and regulatory obligations.
• Game and Technology Providers: Third-party game studios and live dealer platform operators whose games are available on luk91 may receive anonymised session identifiers and wager data necessary to operate their games and resolve technical disputes.
• Fraud and AML Compliance Services: Specialist providers who assist luk91 in detecting suspicious activity, multi-accounting, and potential money laundering. Data shared is limited to the minimum necessary for the specific check being performed.
• Regulatory and Law Enforcement Authorities: luk91 may disclose personal data to its international gaming licence authority, financial intelligence units, or law enforcement agencies where required by law or under a valid legal order. luk91 will notify you of such disclosure where permitted to do so by law.
• Professional Advisors: Legal counsel, auditors, and compliance consultants who are bound by professional confidentiality obligations and who process data only as necessary to provide their services to luk91.

luk91 retains personal data only for as long as is necessary for the purposes for which it was collected, or as required by applicable law and the conditions of our international gaming licence. The following general retention periods apply:

Upon expiry of the applicable retention period, luk91 will securely delete or anonymise your personal data in accordance with its internal data disposal procedures. Anonymised data may be retained indefinitely for statistical and platform performance analysis purposes, as it can no longer be linked to any individual player.

luk91 implements a multi-layered technical and organisational security framework to protect the personal data of all players against unauthorised access, accidental loss, destruction, or disclosure. Key security measures in place include:

• 256-bit SSL/TLS Encryption: All data transmitted between your device and luk91.com is encrypted using industry-standard 256-bit SSL/TLS protocols, ensuring that sensitive information — including login credentials, payment details, and KYC documents — cannot be intercepted in transit.
• Encryption at Rest: Sensitive personal data stored on luk91's servers, including KYC documents and financial records, is encrypted at rest using AES-256 encryption.
• Access Controls: Access to personal data is restricted on a strict need-to-know basis. Only authorised luk91 personnel and approved third-party processors whose role requires access to specific data categories are permitted to view or process player personal data.
• Two-Factor Authentication (2FA): luk91 supports 2FA for player accounts and requires it for internal administrative access to systems holding personal data.
• Regular Security Audits: The luk91 platform undergoes periodic security assessments and penetration testing to identify and address vulnerabilities before they can be exploited.
• Incident Response: luk91 maintains a documented data breach response procedure. In the event of a security incident that poses a risk to players' rights, affected players will be notified promptly in accordance with applicable requirements.

Whilst luk91 takes all reasonable technical precautions to protect your data, no internet-based system can be guaranteed to be completely secure. You are responsible for maintaining the confidentiality of your luk91 account credentials. If you believe your account security has been compromised, contact luk91 support immediately at [email protected].

luk91 uses cookies and similar tracking technologies on luk91.com to ensure the Platform functions correctly, to enhance user experience, and to collect analytical data about how Pakistani players interact with the site. The following categories of cookies are used:

You may manage your non-essential cookie preferences through your browser settings at any time. Disabling functional or analytical cookies will not prevent you from using the core luk91 Platform, but may affect the quality of your experience. Strictly necessary and security cookies cannot be disabled as they are essential to the safe operation of the Platform.

As a luk91 player, you have rights in relation to the personal data we hold about you. luk91 is committed to honouring these rights promptly and transparently. The following rights apply to your personal data held by luk91:

luk91 operates a strict 21+ age policy with zero tolerance for access by minors. The Platform is not directed at, and does not knowingly collect personal data from, any person under the age of 21. Age verification is a mandatory condition of the KYC process and must be completed before withdrawal of real-money funds is permitted.

Where luk91 discovers — at any stage — that personal data has been collected from a player who was under the age of 21 at the time of registration, the following actions will be taken immediately:

• The relevant account will be permanently closed without notice.
• Any deposits made will be returned to the payment method from which they were received, in accordance with our international gaming licence conditions.
• All personal data associated with the underage account will be deleted from luk91's active systems as promptly as legally possible, subject to any mandatory retention obligations required to evidence the age breach for regulatory reporting purposes.

As an internationally licensed online gaming operator, luk91 may process and store personal data on servers located outside of Pakistan. Where your personal data is transferred to and processed in a jurisdiction other than your country of residence, luk91 ensures that appropriate safeguards are in place to protect your data to the standard required by applicable data protection frameworks.

Such safeguards include, but are not limited to, the use of standard contractual clauses approved by relevant data protection authorities, binding corporate rules where applicable, and the selection of third-party processors located in jurisdictions with adequate data protection standards as assessed by luk91's compliance team.

By registering a luk91 account, you acknowledge that your personal data may be transferred to and processed in countries outside Pakistan for the purposes described in this Privacy Policy. Such transfers are conducted in compliance with the data protection obligations of luk91's international gaming licence.

luk91 reserves the right to update or amend this Privacy Policy at any time to reflect changes in our data processing practices, the requirements of our international gaming licence, applicable law, or the operational needs of the Platform. All updates will be published on this page at luk91.com/privacy-policy with a revised "Last Updated" date at the top of the document.

Where a change to this Privacy Policy materially affects the way in which luk91 processes your personal data, we will notify registered players via the email address associated with their luk91 account prior to the change taking effect. Continued use of the luk91 Platform following notification of a material change constitutes your acceptance of the revised Privacy Policy.

We encourage all Pakistani players to review this Privacy Policy periodically to remain informed about how luk91 is protecting your data. If you disagree with any changes made to this Policy, you have the right to close your luk91 account and request deletion of your personal data in accordance with Section 11 of this Policy, subject to mandatory retention obligations.

If you have any questions, concerns, or requests relating to this Privacy Policy or the way luk91 handles your personal data, please contact our support team using the details below. All privacy-related requests will be handled by luk91's designated data protection contact.

luk91 is committed to resolving all privacy concerns directly and promptly. If you remain dissatisfied with our response to a privacy complaint, you may escalate the matter to the relevant data protection authority or regulatory body under whose jurisdiction luk91's international gaming licence is held.