This Privacy Policy explains how panalo collects, uses, stores, and protects your personal information when you use our platform and services. We comply with the Philippine Data Privacy Act of 2012 (Republic Act No. 10173) and its implementing rules and regulations.
By registering for or continuing to use a panalo account, 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.
1.1 panalo (accessible at https://panalo.lat) is the data controller responsible for your personal information. We are the entity that determines the purposes and means of processing personal data collected through our platform and services.
1.2 panalo operates under the regulatory oversight of the Philippine Amusement and Gaming Corporation (PAGCOR) and is subject to the data protection obligations imposed by Republic Act No. 10173, known as the Data Privacy Act of 2012 (DPA), and its Implementing Rules and Regulations (IRR) as administered by the National Privacy Commission (NPC) of the Philippines.
1.3 Questions or concerns regarding data privacy may be directed to our Data Protection Officer at [email protected].
panalo collects personal data that is necessary for the provision of our gaming services, compliance with PAGCOR licensing requirements, and Philippine anti-money laundering (AML) obligations. The categories of data we collect are described in the table below.
| Category | Examples | Purpose |
|---|---|---|
| Identity Data | Full legal name, date of birth, nationality, government ID number | Account registration, KYC verification, age verification (21+) |
| Contact Data | Philippine mobile number (Globe/Smart/DITO), email address | Account verification, OTP delivery, support communications |
| Financial Data | GCash account reference, Maya account reference, bank account name (BPI/BDO/Metrobank), transaction amounts | Deposit processing, withdrawal verification, AML compliance |
| Gaming Data | Bet history, game activity, session duration, win/loss records | Platform operation, responsible gaming monitoring, dispute resolution |
| Technical Data | IP address, device type, browser type, operating system, session tokens | Security monitoring, fraud detection, platform optimization |
| Behavioral Data | Pages visited, features used, time on platform, clickstream data | Platform improvement, personalized experience, analytics |
| KYC Documents | Scanned government ID (PhilSys, SSS, UMID, Driver's License, Passport), selfie photos | Identity verification, AML/PAGCOR compliance |
panalo does not store full GCash or bank account numbers. We retain only the minimum reference information necessary to process and verify transactions, in accordance with the principle of data minimization under RA 10173.
panalo collects personal data through the following means:
panalo uses your personal data for the following purposes:
To operate and maintain your panalo Account, process deposits and withdrawals via GCash, Maya, and banking channels, deliver gaming sessions, calculate and credit winnings, and manage your Wallet balance.
To verify your identity and age (21+) as required by PAGCOR, comply with Philippine AML regulations under Republic Act No. 9160 (Anti-Money Laundering Act), and fulfill reporting obligations to relevant Philippine regulatory authorities including PAGCOR and the Anti-Money Laundering Council (AMLC).
To detect, investigate, and prevent fraudulent activity, unauthorized account access, multi-accounting, bonus abuse, and other prohibited conduct as defined in panalo's Terms & Conditions.
To respond to your queries, resolve disputes, process complaints, and maintain records of support interactions for quality assurance and training purposes.
To monitor gaming behavior for indicators of problem gambling, administer self-exclusion requests, enforce deposit and session limits, and comply with PAGCOR's responsible gaming requirements.
To send you transactional notifications (OTP, deposit confirmation, withdrawal status) and, where you have provided consent, promotional communications about panalo bonuses and new games. You may withdraw consent to marketing communications at any time by contacting Customer Support.
To analyze aggregated, anonymized usage data to improve platform performance, user experience, and game selection for Filipino players.
panalo processes your personal data on the following legal bases under the Data Privacy Act of 2012 and its IRR:
6.1 panalo does not sell your personal data to third parties. We share data only as described in this section.
6.2 Service Providers. We engage third-party processors to assist in delivering panalo's services, including payment gateway providers (GCash/Maya), KYC verification platforms, cloud hosting providers, SMS OTP delivery services, and analytics providers. All processors are bound by data processing agreements requiring compliance with RA 10173 standards.
6.3 Regulatory Authorities. We may disclose personal data to PAGCOR, the AMLC, the NPC, law enforcement agencies, or other Philippine government authorities where required by law, court order, or regulatory directive.
6.4 Business Transfers. In the event of a merger, acquisition, or sale of substantially all assets, personal data may be transferred to the acquiring entity, subject to continued compliance with this Privacy Policy and applicable Philippine data protection law.
6.5 No Unsolicited Third-Party Marketing. panalo will not share your personal data with third parties for their independent marketing purposes without your explicit prior consent.
7.1 panalo.lat uses cookies and similar tracking technologies to operate the platform, maintain login sessions, detect fraud, and analyze usage. The following cookie categories are used:
7.2 You may adjust cookie preferences through your browser settings. Disabling strictly necessary cookies may impair your ability to log in or use panalo services.
8.1 panalo retains your personal data only for as long as is necessary for the purposes outlined in this Privacy Policy, or as required by applicable Philippine law and PAGCOR regulations.
8.2 Standard retention periods applicable to panalo data are as follows:
8.3 Upon expiry of the applicable retention period, personal data is securely deleted or anonymized.
9.1 panalo implements appropriate technical and organizational measures to protect your personal data against unauthorized access, disclosure, alteration, loss, or destruction. Our security measures include:
9.2 In the event of a personal data breach that is likely to result in risk to your rights and freedoms, panalo will notify the National Privacy Commission within seventy-two (72) hours of becoming aware of the breach, and will notify affected players without undue delay, as required by RA 10173.
panalo will never ask for your password, OTP, or full payment credentials via SMS, email, or live chat. If you receive such a request purportedly from panalo, treat it as a phishing attempt and contact us immediately.
As a data subject under the Philippine Data Privacy Act of 2012, you have the following rights with respect to your personal data held by panalo:
To exercise any of the above rights, submit a written request to panalo's Data Protection Officer at [email protected]. panalo will respond within fifteen (15) business days as required by NPC guidelines.
11.1 panalo's services are strictly for individuals aged 21 years and above in compliance with PAGCOR regulations. panalo does not knowingly collect personal data from individuals under 21 years of age.
11.2 If panalo becomes aware that personal data has been collected from a person under 21, the account will be immediately suspended, the data will be deleted, and the matter may be referred to PAGCOR.
11.3 If you are a parent or guardian and believe a minor has registered on panalo, please contact Customer Support immediately at [email protected].
12.1 Some of panalo's service providers — including cloud infrastructure, KYC verification, and analytics providers — may process data outside the Philippines. Where such transfers occur, panalo ensures that appropriate safeguards are in place, including contractual data processing agreements that require recipient parties to maintain data protection standards consistent with RA 10173.
12.2 Cross-border data transfers are conducted in compliance with Section 21 of the Data Privacy Act and NPC guidelines on personal data transfer.
panalo.lat may contain references to payment providers and other service partners. These third parties operate their own privacy policies, which panalo does not control. panalo is not responsible for the privacy practices of third-party services. We encourage you to review the privacy policy of any payment provider (e.g., GCash, Maya) you use in connection with your panalo account.
14.1 panalo may update this Privacy Policy from time to time to reflect changes in our data practices, platform functionality, or applicable Philippine law. Material changes will be communicated to registered Players via SMS to the registered mobile number at least seven (7) days before taking effect.
14.2 The current version of this Privacy Policy, together with the date of last update, is always accessible at https://panalo.lat/privacy-policy.
14.3 Continued use of panalo services after the effective date of any update constitutes acceptance of the revised Privacy Policy.
For data privacy queries, access requests, or complaints, contact panalo's Data Protection Officer:
If you are not satisfied with panalo's response, you have the right to lodge a complaint with the National Privacy Commission of the Philippines through its official channels.
For gaming-related responsible gaming concerns, the PAGCOR Responsible Gaming Hotline is also available to all Philippine residents. Visit our Responsible Gaming page for more information.
Six ways we keep your data safe as a Filipino player
Every bit of data you transmit to panalo — login credentials, GCash transaction details, KYC documents — is encrypted with bank-grade SSL. What you send stays between you and panalo.
panalo fully complies with the Philippine Data Privacy Act of 2012. Your rights as a data subject are respected — including access, correction, deletion, and the right to file complaints with the NPC.
panalo collects only the data strictly necessary for account operation, PAGCOR compliance, and AML obligations. We do not collect, sell, or monetize player data beyond what this policy states.
panalo does not sell your personal data to advertisers, data brokers, or any third party for marketing purposes. Your information is used only to operate your account and comply with Philippine law.
panalo has a designated Data Protection Officer accountable for privacy compliance. Reach them directly at [email protected] for any data access request or privacy concern.
If a data breach occurs that puts your data at risk, panalo will notify both the NPC and affected players promptly — within 72 hours for the regulator. No hiding, no delays, no excuses.
Your data is protected, your games are fair, and your GCash payouts are fast. panalo is the Philippines' most trusted online casino — PAGCOR-regulated, RA 10173 compliant, and built for Filipino players.
Must be 21 years or older. Gambling can be addictive — play responsibly. PAGCOR-regulated.