luk101 Privacy Policy – How We Protect Your Data

1 Introduction

luk101 takes your privacy seriously. This Privacy Policy sets out how luk101 collects, processes, stores and protects the personal information of users who register for an account, access the platform or use any of the services available — including sports betting on Cricket and PSL, slots, live casino, bingo and all promotional features.

By creating an account on luk101 you acknowledge that you have read this policy and agree to the collection and use of your information as described here. This policy should be read alongside the luk101 Terms and Conditions, which govern your use of the platform as a whole.

If you have any questions about this policy, or about how your data is handled, you can contact the luk101 support team at any time. Contact details are provided at the end of this document.

2 What We Collect

luk101 collects different categories of information depending on how you interact with the platform. Below is a clear overview of what is collected and when.

luk101 does not knowingly collect sensitive categories of personal data such as racial or ethnic origin, political opinions, religious beliefs or health information. Where identity documents are submitted for verification, they are processed solely for age and identity confirmation purposes.

3 How We Use Your Data

The data luk101 collects is used only for legitimate operational and legal purposes related to running the platform. Specifically, your data is used to:

• Create and manage your luk101 account and verify your identity.
• Process deposits and withdrawals in PKR via JazzCash, Easypaisa, Raast, bank transfer and other supported methods.
• Detect and prevent fraud, money laundering, underage access and other prohibited activities.
• Personalise your experience — for example, showing Cricket and PSL betting markets prominently if that is what you primarily use.
• Send transactional communications such as deposit confirmations, withdrawal status updates and account security alerts.
• Send marketing communications about promotions and bonuses — only if you have opted in. You can opt out at any time from your account settings.
• Comply with applicable legal and regulatory requirements, including record-keeping obligations.
• Improve platform performance, fix bugs and develop new features based on how users actually interact with the platform.
• Provide customer support and resolve disputes or account queries.

4 Legal Basis for Processing

luk101 processes your personal data on the following legal bases:

• Contractual necessity: Processing required to fulfil the account agreement — including registration, payment processing and account management.
• Legal obligation: Processing required to comply with applicable laws, including identity verification, anti-money laundering checks and record-keeping requirements.
• Legitimate interests: Processing carried out for fraud prevention, platform security, improving services and communicating important account updates.
• Consent: Marketing communications are sent only on the basis of your explicit opt-in consent. You may withdraw consent at any time without affecting the lawfulness of processing already carried out.

5 Data Sharing

luk101 does not sell your personal data to any third party under any circumstances. Your data may be shared with the following categories of trusted third parties only where strictly necessary to operate the platform and deliver services to you:

• Payment processors: JazzCash, Easypaisa, Raast, and banking partners require transaction data to process deposits and withdrawals on your behalf.
• Identity verification providers: Third-party KYC services may process your identity documents to confirm your age and identity during the verification process.
• Technology and hosting providers: Infrastructure providers who host platform data and provide technical services under strict data processing agreements.
• Fraud prevention and security services: Specialist services that help identify suspicious activity, protect accounts and prevent financial crime.

All third parties who process data on behalf of luk101 are required to handle it securely and only for the specific purpose for which it was shared. They are not permitted to use your data for their own marketing or to share it further without authorisation.

6 Payment Data

When you make a deposit or request a withdrawal on luk101, your payment information is handled with the highest level of care. All financial transactions are processed in PKR and handled through our payment provider integrations.

luk101 does not store full card numbers, full bank account details or full JazzCash/Easypaisa wallet credentials on our servers. Payment data is tokenised at the point of entry and passed directly to the relevant payment processor in encrypted form. What luk101 retains is a transaction reference, the amount, the payment method type and the date — sufficient to manage your account and resolve disputes, but not enough to initiate a transaction independently.

• Deposits via JazzCash and Easypaisa are processed through their respective secure APIs.
• Bank transfers via Raast and standard bank transfer are handled via encrypted bank-grade integrations.
• Card payments are processed through PCI-DSS compliant payment gateways.

7 Cookies & Tracking

luk101 uses cookies and similar tracking technologies to keep the platform running smoothly and to understand how users interact with different sections of the site. Cookies are small text files stored on your device when you visit the platform.

The types of cookies used on luk101 include:

• Essential cookies: Required for core functions such as keeping you logged in, maintaining your session and processing transactions. These cannot be disabled without breaking core functionality.
• Analytics cookies: Used to understand which pages and features are most used, how long sessions last and where users encounter issues. This data is aggregated and not linked to individual identities.
• Preference cookies: Remember your settings such as language preference and notification choices between sessions.
• Security cookies: Help detect and prevent fraudulent or automated access attempts on your account.

You can manage cookie preferences through your browser settings. Disabling non-essential cookies will not prevent you from using the platform, but may affect certain personalisation features. luk101 does not use third-party advertising cookies or tracking pixels for external ad networks.

8 Data Retention

luk101 retains your personal data for as long as your account is active and for a period after closure as required to meet legal, regulatory and operational obligations. The general retention approach is as follows:

• Account and identity data: Retained for the duration of your account and for a minimum of five years after account closure to meet anti-money laundering record-keeping requirements.
• Transaction and financial data: Retained for a minimum of five years from the date of each transaction.
• Support communications: Retained for up to three years from the date of the last interaction, unless the matter relates to a dispute that requires longer retention.
• Usage and analytics data: Retained in aggregated, anonymised form indefinitely for platform improvement purposes. Individual-level usage data is retained for up to two years.
• Marketing preferences: Retained until you withdraw consent or close your account, whichever comes first.

When data is no longer required, it is deleted or anonymised using secure methods so that it cannot be reconstructed or linked back to you.

9 Your Rights

You have meaningful rights over the personal data luk101 holds about you. These rights can be exercised at any time by contacting the luk101 support team. Requests are processed within a reasonable timeframe and without charge in most circumstances.

• Right to access: Request a copy of the personal data luk101 holds about you, including what categories of data are held and how they are being used.
• Right to rectification: Request correction of any inaccurate or incomplete data held on your account. For identity data, you may need to provide supporting documentation.
• Right to erasure: Request deletion of your personal data where it is no longer necessary for the purpose it was collected, subject to legal retention requirements that may prevent full deletion.
• Right to restrict processing: Ask luk101 to pause processing of your data while a dispute about its accuracy or use is being resolved.
• Right to data portability: Request your data in a structured, commonly used format that can be transferred to another service where technically feasible.
• Right to object: Object to processing based on legitimate interests, including profiling for personalisation purposes. You may also withdraw marketing consent at any time from your account settings.

10 Security Measures

luk101 implements a range of technical and organisational security measures to protect your personal data against unauthorised access, accidental loss, alteration or disclosure. These include:

• TLS encryption for all data transmitted between your device and luk101 servers.
• Encrypted storage of sensitive account data including password hashes and identity document references.
• Access controls that limit internal access to personal data on a strict need-to-know basis.
• Automated systems that flag unusual login attempts, rapid account changes or suspicious transaction patterns for review.
• Regular security assessments of platform infrastructure and third-party integrations.

While luk101 applies industry-standard security practices, no system is entirely immune to risk. You also play an important role in keeping your account safe — use a strong, unique password, do not share your login credentials and contact support immediately if you suspect unauthorised activity on your account.

11 Minors

luk101 is strictly an 18+ platform. The platform does not knowingly collect personal data from anyone under the age of 18. Age verification is part of the registration and KYC process, and accounts found to belong to individuals under 18 will be closed immediately with any balance held returned to the verified payment method where possible.

If you are a parent or guardian and believe a minor may have accessed luk101 using false information, please contact support immediately so the account can be reviewed and closed. We take underage access seriously and act on all reports promptly.

12 Policy Changes

luk101 may update this Privacy Policy from time to time to reflect changes in how the platform operates, new services offered, or changes in applicable legal requirements. When the policy is updated, the revised version will be published on this page with an updated date at the top.

For changes that materially affect your rights or how your data is used, luk101 will make reasonable efforts to notify registered users via their registered email address or through an in-platform notification. It is your responsibility to review this policy periodically to stay informed of how your data is handled.

Continued use of the platform after a policy update constitutes acceptance of the revised Privacy Policy.

13 Contact

If you have questions about this Privacy Policy, want to exercise your data rights, or need to report a concern about how your data has been handled, the luk101 support team is available 24 hours a day, seven days a week.

You can reach us through the live chat feature available within your account, or through the contact details below:

[email protected]

Visit our FAQ page for quick answers to common questions about accounts, payments and privacy.