sk44 Privacy Policy

sk44 ("the Company", "we", "us", "our") is committed to protecting the privacy and personal data of every individual who accesses or uses the sk44 online betting and casino platform available at https://sk44.io ("the Platform"). This Privacy Policy ("Policy") describes the types of personal information we collect, the purposes for which we use it, the circumstances under which we may share it, the steps we take to protect it, and the rights available to you as a data subject.

This Policy applies to all users of the sk44 Platform, including registered account holders, visitors who browse the Platform without registering, and any individual who contacts sk44 through our support channels. By registering an account or continuing to use the Platform, you acknowledge that you have read and understood this Privacy Policy and consent to the processing of your personal data as described herein.

This Privacy Policy should be read together with the sk44 Terms & Conditions and Responsible Gaming Policy, which together form the full legal framework governing your use of the Platform.

sk44 is an online betting and casino platform operating at https://sk44.io and targeting users within Bangladesh. For the purposes of data protection law, sk44 acts as the data controller in respect of the personal data of its registered users and Platform visitors. As data controller, sk44 determines the purposes for which and the means by which personal data is processed.

Where sk44 engages third-party service providers to process personal data on our behalf — for example, payment processors, identity verification providers, and game software suppliers — those providers act as data processors under our instructions and are bound by data processing agreements that impose obligations equivalent to those described in this Policy.

All enquiries related to this Privacy Policy, data subject access requests, and consent withdrawal requests should be directed to our data protection contact at [email protected]. Our support team is available 24 hours a day, 7 days a week, in English and Bengali, operating on Bangladesh Standard Time (BST, UTC+6).

3.1 Information You Provide Directly

When you create a sk44 account, deposit funds, submit a support request, or otherwise interact with the Platform, you voluntarily provide us with personal information. This includes:

• Registration information: Full legal name, date of birth, residential address in Bangladesh (including city — Dhaka, Chittagong, Sylhet, Khulna, Rajshahi, or other), email address, and mobile phone number.
• Identity verification documents: Copies of government-issued identity documents such as a national ID card, passport, or driver's licence, and in some cases a live selfie photograph, submitted to satisfy our Know Your Customer (KYC) obligations.
• Financial information: Your bKash, Nagad, Rocket, or Upay mobile wallet identifiers; the last four digits and billing details associated with Visa or Mastercard cards; deposit and withdrawal transaction records.
• Support communications: The content of any messages, emails, or live chat conversations you exchange with our support team, including any attachments you submit.
• Preferences and settings: Responsible gaming limits you set, communication preferences, language preferences, and any optional profile information you choose to provide.

3.2 Information Collected Automatically

When you access and interact with the Platform, we automatically collect certain technical and behavioural data, including:

• Device and browser data: IP address, device type and model, operating system version, browser type and version, screen resolution, and referring URL.
• Session and usage data: Login timestamps, pages visited, features used, game titles played, bet amounts and outcomes, session duration, and click-path data.
• Geolocation data: Approximate geographic location derived from your IP address, used to ensure compliance with our geographic access restrictions and to detect suspicious activity.
• Cookie and tracking data: Data collected via cookies, web beacons, and similar technologies as described in Section 9 of this Policy.

sk44 collects personal data through the following channels and mechanisms:

• Direct submission: Information you enter into registration forms, deposit and withdrawal forms, the support chat interface, or any other interactive element of the Platform.
• Automated technologies: Cookies, session tokens, server log files, and analytics tools that record your interaction with the Platform as described in Section 9.
• Third-party payment providers: Transaction confirmation data and wallet identifiers received from bKash, Nagad, Rocket, Upay, Visa, and Mastercard payment processing partners when you complete a deposit or withdrawal.
• Identity verification partners: Confirmation of identity document authenticity and age verification results received from third-party KYC service providers.
• Game providers: Game session data, including bet amounts, game outcomes, and RNG (random number generator) logs, received from our licensed game software providers including Evolution Gaming, Pragmatic Play, NetEnt, Microgaming, Spribe, and Ezugi.
• Fraud prevention services: Risk scores and device fingerprint data from third-party fraud detection partners used to identify unusual account activity and protect users from unauthorised access.

sk44 processes your personal data only when we have a valid legal basis for doing so. The primary legal bases we rely on are as follows:

• Contractual necessity: Processing your registration data, financial data, and gameplay data is necessary for sk44 to fulfil its contractual obligations to you as a Platform user — specifically, to operate your account, process deposits and withdrawals, settle bets, and provide customer support.
• Legal obligation: sk44 is required by applicable law and standard industry practice to collect and retain certain personal and financial data, including KYC identity records and transaction histories, for prescribed periods for compliance, audit, and anti-money-laundering purposes.
• Legitimate interests: sk44 processes technical and usage data on the basis of our legitimate interest in maintaining the security, performance, and integrity of the Platform, detecting and preventing fraud, and improving the user experience.
• Consent: Where sk44 sends you direct marketing communications by email, SMS, or in-platform notification, we do so only on the basis of your explicit consent. You may withdraw this consent at any time as described in Section 14 of this Policy.

sk44 uses the personal data we collect for the following specific purposes:

• Account creation and management: To register your account, verify your identity and age (21+), maintain your account settings and preferences, and manage account security.
• Transaction processing: To process deposits via bKash, Nagad, Rocket, Upay, Visa, and Mastercard, and to verify and execute withdrawal requests in Bangladeshi Taka (৳ BDT).
• Gameplay and bet settlement: To record bets placed across cricket markets (BPL, IPL, T20 World Cup), live casino tables, slot games, Hi-Lo, and crash games, and to settle winning bets accurately.
• Customer support: To respond to your enquiries, resolve disputes, investigate complaints, and provide technical assistance through our 24/7 support team.
• Responsible gaming: To monitor gameplay patterns for signs of problem gambling, enforce deposit limits and self-exclusion requests you have set, and proactively reach out to users who may benefit from our responsible gaming tools.
• Fraud prevention and security: To detect and investigate suspicious account activity, prevent unauthorised access, identify duplicate accounts, and protect the integrity of the Platform and its users.
• Legal and regulatory compliance: To satisfy our KYC obligations, respond to lawful requests from competent authorities, and maintain financial records as required by applicable law.
• Platform improvement: To analyse aggregated, anonymised usage data in order to understand how users interact with the Platform, identify technical issues, and develop new features and games.
• Marketing (with consent): To send you personalised promotional offers, bonus notifications, BPL cricket season specials, Eid and Pohela Boishakh promotions, and new game announcements where you have given consent to receive marketing communications.

sk44 does not sell, rent, or trade your personal data to third parties. We share your personal information only in the following limited circumstances:

7.1 Service Providers and Data Processors

We share data with carefully selected third-party service providers who process it on our behalf and under our instructions, including:

• Payment processors: bKash, Nagad, Rocket, Upay, and card payment gateways for Visa and Mastercard transactions.
• Identity verification providers: Third-party KYC and age verification services that validate your identity documents and confirm you meet the 21+ age requirement.
• Game software providers: Evolution Gaming, Pragmatic Play, NetEnt, Microgaming, Spribe, Ezugi, and other certified game studios whose software powers the casino and betting sections of the Platform.
• Fraud detection and security providers: Services that analyse technical and behavioural data to identify and prevent fraudulent activity on the Platform.
• IT and hosting providers: Cloud infrastructure and server hosting partners that store Platform data in secure data centre environments.

All third-party data processors are bound by contractual data processing agreements that require them to process personal data only for the specified purpose, maintain appropriate security standards, and not share data with any further parties without sk44's written authorisation.

7.2 Legal Disclosure

sk44 may disclose your personal data to law enforcement agencies, regulatory bodies, courts, or other competent authorities where we are legally required to do so, or where disclosure is necessary to protect the rights, property, or safety of sk44, its users, or the public. Where permitted by law, sk44 will endeavour to notify you of any such disclosure.

7.3 Business Transfers

In the event of a merger, acquisition, or sale of all or a substantial part of sk44's business assets, personal data held by sk44 may be transferred to the acquiring entity as part of the transaction. Users will be notified of any such transfer and of any material change to the way their data is processed as a result.

Some of the third-party service providers that sk44 engages — including certain game software providers and cloud infrastructure partners — may be located outside Bangladesh and may process your personal data in other countries. Where personal data is transferred internationally, sk44 takes appropriate steps to ensure that such transfers are carried out with adequate data protection safeguards in place.

These safeguards may include contractual clauses that impose data protection obligations on the receiving party that are equivalent to those required under applicable data protection standards, or transfers to organisations that maintain independently certified security and privacy frameworks.

By using the sk44 Platform, you acknowledge that your personal data may be processed in countries outside Bangladesh as described in this section. sk44 only transfers personal data internationally where it is strictly necessary for the operation of the Platform and subject to adequate protective measures.

sk44 uses cookies and similar tracking technologies to enhance your experience on the Platform. A cookie is a small text file stored on your device by your browser when you visit a website. sk44 uses the following categories of cookies:

• Strictly necessary cookies: These are essential for the Platform to function. They maintain your login session, remember your security preferences, and enable core features such as account balance display and bet slip management. These cookies cannot be disabled without rendering parts of the Platform non-functional.
• Performance and analytics cookies: These collect anonymised data about how users interact with the Platform — which pages are visited most frequently, where users encounter errors, and how long sessions last. This data is used solely to improve the Platform's performance and user experience.
• Functional cookies: These remember your preferences such as preferred game categories, display settings, and notification options, so you do not need to re-enter them on each visit.
• Security cookies: These help sk44 detect and prevent fraudulent activity, including identifying unusual login patterns, cross-site request forgery attempts, and duplicate account creation.

sk44 does not use third-party advertising cookies or behavioural tracking cookies for the purpose of displaying targeted advertisements on external websites. You can control and manage cookies through your browser settings. Most browsers allow you to refuse new cookies, delete existing cookies, and be notified when new cookies are set. Please note that disabling strictly necessary cookies will impair Platform functionality.

sk44 retains personal data only for as long as is necessary to fulfil the purposes for which it was collected, and in accordance with applicable legal and regulatory retention obligations. The specific retention periods applicable to each category of data are set out in the table in Section 3 above and summarised as follows:

• Identity and KYC documents: Retained for the duration of your account plus five years following account closure, in line with standard anti-money-laundering record-keeping requirements.
• Financial transaction records: Retained for seven years from the date of each transaction, in accordance with standard financial record obligations.
• Gameplay and betting records: Retained for the duration of your account plus three years following account closure, for dispute resolution and game integrity purposes.
• Technical and session data: Retained on a rolling 13-month basis, after which it is automatically purged or anonymised.
• Marketing consent records: Retained until you withdraw consent, plus 30 days to process the withdrawal and confirm opt-out across all communication channels.
• Support communications: Retained for two years from the date of the last interaction, to allow us to refer to prior correspondence in the event of a follow-up enquiry or dispute.

When personal data is no longer required and the applicable retention period has expired, sk44 securely deletes or anonymises it in a manner that prevents reconstruction of the original personal information. Anonymised, aggregated data may be retained indefinitely for statistical and analytical purposes, as it no longer constitutes personal data.

As a user of the sk44 Platform, you have the following rights in respect of your personal data. To exercise any of these rights, please contact us at [email protected]. We will respond to all data rights requests within 30 days of receipt.

• Right of access: You have the right to request a copy of the personal data sk44 holds about you. We will provide this information in a clear, structured format free of charge, subject to verifying your identity.
• Right to rectification: If any of the personal data we hold about you is inaccurate or incomplete, you have the right to request that we correct or update it without undue delay.
• Right to erasure: You may request that sk44 delete your personal data where it is no longer necessary for the purpose for which it was collected, where you have withdrawn consent and no other legal basis applies, or where processing is unlawful. This right is subject to our legal retention obligations — we may not be able to delete certain data we are required by law to retain.
• Right to restriction of processing: You have the right to request that sk44 restrict the processing of your personal data in certain circumstances — for example, while you contest the accuracy of the data, or where you have objected to processing and we are considering your objection.
• Right to data portability: Where processing is carried out by automated means on the basis of your consent or a contract, you have the right to receive the personal data you have provided to sk44 in a structured, commonly used, machine-readable format.
• Right to object: You have the right to object at any time to the processing of your personal data where that processing is based on sk44's legitimate interests. You also have an unconditional right to object to the processing of your personal data for direct marketing purposes.
• Right to withdraw consent: Where processing is based on your consent, you may withdraw that consent at any time. Withdrawal does not affect the lawfulness of any processing carried out prior to withdrawal.

The sk44 Platform is strictly intended for adults aged 21 years and above. sk44 does not knowingly collect, process, or retain personal data from any person under the age of 21. If you are under 21, you must not attempt to register an account or use the Platform in any way.

sk44 enforces mandatory age verification as part of the account registration and KYC process. All users are required to submit valid government-issued identity documents confirming that they meet the 21+ age requirement before they are permitted to deposit funds or place bets.

If sk44 becomes aware that personal data has been collected from a person under the age of 21, we will take immediate steps to close the associated account, refund any deposits, and permanently delete all personal data relating to that individual from our systems. If you believe that a minor may have registered an account on the Platform, please notify us immediately at [email protected].

sk44 implements a comprehensive set of technical and organisational security measures designed to protect your personal data against unauthorised access, disclosure, alteration, loss, and destruction. Our security framework includes the following measures:

• SSL/TLS encryption: All data transmitted between your device and sk44's servers is encrypted using industry-standard SSL/TLS protocols, ensuring that your personal and financial information cannot be intercepted in transit.
• Access controls: Access to personal data within sk44's internal systems is restricted on a strict need-to-know basis. Staff members are granted the minimum level of access required to perform their job functions, and all access is logged and audited.
• Password security: User account passwords are stored using one-way cryptographic hashing algorithms. sk44 staff cannot view your password in plain text. We strongly recommend that you use a strong, unique password for your sk44 account and enable any two-factor authentication options available.
• Secure payment handling: sk44 does not store full payment card details on its own servers. Card transactions are processed entirely by PCI DSS-compliant payment gateway partners. bKash, Nagad, Rocket, and Upay wallet transactions are processed via those providers' secure APIs.
• Fraud monitoring: sk44 employs automated fraud detection systems that continuously monitor account activity for suspicious patterns, including unusual login locations, rapid sequential transactions, and signs of account takeover attempts.
• Incident response: sk44 maintains a documented security incident response procedure. In the event of a data breach that is likely to result in a risk to your rights, sk44 will notify affected users as promptly as practicable and take immediate steps to contain and remediate the breach.

While sk44 takes all reasonable and proportionate steps to protect your personal data, no system can guarantee absolute security. You are responsible for keeping your account credentials confidential and for notifying sk44 immediately if you suspect unauthorised access to your account by contacting [email protected].

With your consent, sk44 may contact you with promotional offers, bonus announcements, seasonal campaigns (such as BPL cricket season promotions, Eid special offers, and Pohela Boishakh bonuses), and news about new games and Platform features. Marketing communications may be sent via email, SMS to your registered mobile number, or in-platform notifications.

sk44 will only send you marketing communications where you have explicitly opted in to receive them during account registration or via your account preferences settings. We will not send unsolicited marketing messages.

You may opt out of receiving marketing communications from sk44 at any time by any of the following methods:

• Clicking the "unsubscribe" link included in any marketing email you receive from sk44.
• Replying "STOP" to any marketing SMS message received from sk44.
• Updating your notification preferences in your sk44 account settings.
• Emailing our support team at [email protected] with the subject line "Marketing Opt-Out".

Once you opt out, sk44 will process your request within 7 business days. You may continue to receive transactional and account-related messages (such as deposit confirmations, withdrawal notifications, and security alerts) even after opting out of marketing, as these are necessary for the operation of your account and are not subject to marketing opt-out preferences.

sk44 reserves the right to update, amend, or replace this Privacy Policy at any time to reflect changes in our data processing practices, applicable law, or Platform functionality. When material changes are made to this Policy, we will notify registered users by email to their registered address and by posting a prominent notice on the Platform.

The date of the most recent revision is displayed at the top of this Policy as the "Last Updated" date. We encourage you to review this Policy periodically to stay informed about how sk44 protects your personal data. Your continued use of the Platform following the effective date of any updated Policy constitutes your acceptance of the revised terms.

If you do not agree to the revised Privacy Policy, you must discontinue use of the Platform and may request closure of your account by contacting [email protected]. Any data collected prior to the Policy change will continue to be processed in accordance with the version of the Policy in effect at the time of collection, to the extent permitted by law.

If you have any questions, concerns, or complaints about this Privacy Policy or about the way sk44 processes your personal data, please contact us through the following channels. Our support team is available 24 hours a day, 7 days a week, and provides assistance in both English and Bengali.

When submitting a data rights request, please include your registered sk44 account username and a clear description of your request. For identity verification purposes, we may ask you to provide a copy of a government-issued ID before processing certain requests such as data access or erasure.

sk44 is committed to resolving all privacy concerns promptly and transparently. We treat every data rights request with the seriousness it deserves and aim to provide complete, accurate responses within the timeframes set out in this Policy.