phpearn Privacy Policy

Welcome to the phpearn Privacy Policy. phpearn ("we," "us," "our") operates the online gaming platform accessible at phpearn.net and is committed to protecting the personal information of every Player, visitor, and user who interacts with our services.

This Privacy Policy has been prepared in compliance with Republic Act No. 10173, also known as the Data Privacy Act of 2012 (DPA) of the Philippines, along with its Implementing Rules and Regulations and the guidelines issued by the National Privacy Commission (NPC). As a platform serving Filipino players across Metro Manila, Cebu, Davao, Quezon City, Makati, and beyond, we take our data privacy obligations seriously.

By accessing or using the phpearn platform in any way — including browsing, registering an account, making a deposit, placing a wager, or contacting our support team — you acknowledge that you have read and understood this Privacy Policy and you consent to the collection and use of your personal information as described herein.

phpearn collects personal information in several ways: directly from you when you register or interact with our platform, automatically through your use of our website, and occasionally from third-party sources where permitted by law. The categories of personal information we collect include:

Account Registration Data

• Full legal name as it appears on your government-issued ID;
• Date of birth (for age verification in compliance with the 21+ requirement);
• Residential address including barangay, city, province, and postal code;
• Mobile phone number registered in the Philippines;
• Valid email address;
• Username and encrypted account password.

Identity Verification (KYC) Data

• Copies of government-issued photo identification (PhilSys National ID, Passport, Driver's License, UMID, SSS ID, Voter's ID, or PRC ID);
• Proof of residential address (utility bill, bank statement, or barangay certificate dated within three months);
• Selfie or live photo for facial verification where required;
• Source of funds documentation where transaction thresholds trigger enhanced due diligence.

Financial Transaction Data

• GCash or Maya mobile wallet number;
• Bank account details (BPI, BDO, UnionBank, Metrobank) where used for transactions;
• Deposit and withdrawal history, amounts, timestamps, and reference numbers;
• Cryptocurrency wallet address for USDT TRC20 transactions.

Gaming Activity Data

• Game session logs including titles played, wagers placed, outcomes, and session durations;
• Bonus and promotion usage history;
• Responsible gaming tool settings (deposit limits, session limits, self-exclusion requests).

Technical & Device Data

• IP address and approximate geographic location;
• Device type, operating system, browser type, and version;
• Cookie identifiers and session tokens;
• Referring website URL where applicable.

Communications Data

• Records of correspondence with our customer support team via live chat or email;
• Survey or feedback responses submitted voluntarily.

phpearn processes your personal information only for lawful, specified, and legitimate purposes directly related to providing you with a safe, compliant, and enjoyable gaming experience. The specific purposes for which we use your data are set out in the table below:

phpearn does not use your personal data for automated decision-making that produces legal or similarly significant effects without human review, except where such processing is required to fulfill our legal obligations under Philippine anti-money laundering law.

phpearn does not sell, rent, or trade your personal information to third parties for their own marketing purposes. We share your data only in the following limited and necessary circumstances:

• Payment processors and e-wallet providers: GCash, Maya, BPI, BDO, UnionBank, Metrobank, 7-Eleven Cliqq, Coins.ph, and USDT TRC20 processors receive transaction data strictly necessary to process your deposits and withdrawals;
• Identity verification services: Third-party KYC and document verification providers who process your identification documents on our behalf under strict data processing agreements;
• Game content providers: Licensed game studios and live dealer platform suppliers who may receive anonymized session data for game delivery and RNG certification purposes;
• Regulatory authorities: PAGCOR, the Anti-Money Laundering Council (AMLC), the National Privacy Commission (NPC), and other competent Philippine government authorities where disclosure is required by law, court order, or regulatory directive;
• Fraud prevention and security services: Third-party providers who assist phpearn in detecting fraudulent account activity, collusion, and platform abuse;
• Professional advisers: Legal counsel, auditors, and compliance consultants bound by professional confidentiality obligations.

phpearn uses cookies and similar tracking technologies to operate the platform securely, remember your preferences, and understand how players use our services. The types of cookies we use are described below:

• Strictly Necessary Cookies: Essential for the platform to function. These include session authentication tokens, security cookies, and load balancing identifiers. These cookies cannot be disabled without affecting your ability to use the platform;
• Functional Cookies: Remember your language preference, last-played game category, and responsible gaming tool settings to personalize your experience;
• Analytics Cookies: Collect anonymized data about how players navigate the phpearn platform — pages visited, time spent, and features used — to help us improve the service;
• Fraud Prevention Cookies: Help us identify suspicious behavior, detect automated bots, and protect the platform from abuse.

You may manage or disable non-essential cookies through your browser settings at any time. Please note that disabling certain cookies may affect the functionality of the phpearn platform, including your ability to maintain a logged-in session. phpearn does not use third-party advertising cookies or tracking pixels that share your data with external advertising networks.

phpearn retains your personal information for as long as is necessary to fulfill the purposes for which it was collected, or as required by applicable Philippine law and regulation. Our standard retention periods are as follows:

• Account and KYC records: Retained for a minimum of five (5) years following account closure, in compliance with Anti-Money Laundering Act (AMLA) requirements and PAGCOR record-keeping obligations;
• Financial transaction records: Retained for a minimum of five (5) years from the date of each transaction;
• Gaming activity logs: Retained for three (3) years for responsible gaming monitoring and dispute resolution purposes;
• Customer support communications: Retained for two (2) years from the date of the last interaction;
• Marketing consent records: Retained for as long as your consent remains active, plus one (1) year following withdrawal of consent or account closure.

Upon expiry of the applicable retention period, phpearn will securely destroy or anonymize your personal information in accordance with NPC-approved data disposal procedures.

phpearn implements industry-standard technical and organizational security measures to protect your personal information against unauthorized access, disclosure, alteration, loss, or destruction. Our security infrastructure includes:

• Transport Layer Security (TLS 1.2 or higher) encryption for all data transmitted between your device and the phpearn platform;
• AES-256 encryption for sensitive data stored in our databases, including KYC documents and payment method details;
• Multi-factor authentication options for player account access;
• Role-based access controls limiting phpearn staff access to personal data on a strict need-to-know basis;
• Regular third-party penetration testing and security audits of our platform infrastructure;
• Dedicated data breach response procedures aligned with NPC notification requirements.

As a data subject under Republic Act No. 10173, you have the following rights in relation to your personal information held by phpearn. You may exercise any of these rights by contacting our Data Protection Officer at the address listed in Section 12 of this policy.

phpearn will respond to verifiable data subject requests within fifteen (15) business days of receipt. We may need to verify your identity before processing your request. If you are unsatisfied with our response, you have the right to lodge a complaint with the National Privacy Commission (NPC) of the Philippines.

During the account registration process, phpearn collects your date of birth and verifies it against government-issued identification documents submitted during KYC. Any account found to belong to a person under 21 years of age will be immediately suspended, all associated balances will be forfeited, and the matter will be reported to PAGCOR as required by regulatory guidelines.

If you are a parent or guardian and believe that a minor in your care has registered a phpearn account, please contact our support team immediately. We will investigate the matter and take prompt action to close the account and return any real-money deposits where verification confirms a minor was involved.

Some of phpearn's service providers — including game content suppliers, cloud infrastructure providers, and KYC verification services — may process your personal data in countries outside the Philippines. Where such cross-border data transfers occur, phpearn ensures that:

• The recipient country provides an adequate level of data protection as determined by the NPC, or
• Appropriate contractual safeguards are in place, including data processing agreements that impose obligations equivalent to those required under the Data Privacy Act of 2012, or
• The transfer is necessary for the performance of a contract between you and phpearn (e.g., processing a GCash withdrawal via an international payment gateway).

phpearn does not transfer your personal data to jurisdictions that do not provide adequate privacy protections without first implementing appropriate safeguards and, where required, obtaining your explicit consent.

phpearn reserves the right to update or amend this Privacy Policy at any time to reflect changes in our data processing practices, applicable law, or regulatory requirements. Material changes will be communicated to registered Players via the email address associated with their account and/or via a notice prominently displayed on the phpearn platform no less than seven (7) days prior to the effective date of the change.

The most current version of this Privacy Policy will always be available on this page. The "Last Updated" date at the top of this document reflects the date of the most recent revision. Your continued use of the phpearn platform following the effective date of any update constitutes your acceptance of the revised Privacy Policy.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your personal information.

phpearn has appointed a Data Protection Officer (DPO) in compliance with Section 21 of the Data Privacy Act of 2012. If you have any questions, concerns, or requests relating to this Privacy Policy or the handling of your personal information, please contact our DPO through the following channels:

Please include "Data Privacy Request" in your subject line along with your registered account username and a clear description of your request or concern. Our DPO will acknowledge receipt of your communication within three (3) business days and provide a substantive response within fifteen (15) business days.

If you believe phpearn has not adequately addressed your privacy concern, you have the right to escalate the matter to the National Privacy Commission of the Philippines at privacy.gov.ph.