fio77 Privacy Policy

fio77 ("fio77", "we", "us", or "our") operates the online betting platform accessible at fio77.pro and is committed to protecting the privacy and security of all personal data entrusted to us by our users. This Privacy Policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by fio77.

This Privacy Policy applies to all users of the fio77 Platform, including registered account holders, visitors who browse the Platform without registering, and individuals who contact fio77 via any customer support channel. By using the fio77 Platform, you acknowledge that you have read, understood, and agreed to the practices described in this Privacy Policy.

This Privacy Policy should be read alongside the fio77 Terms & Conditions, which govern the overall terms of your use of the Platform. In the event of any inconsistency between this Privacy Policy and the Terms & Conditions on matters of data privacy, this Privacy Policy shall take precedence.

For the purposes of this Privacy Policy, the following terms have the meanings set out below:

fio77 collects personal data in the following categories, depending on how you interact with the Platform:

3.1 Registration Data

When you create a fio77 account, we collect:

• Indonesian mobile phone number (used as your primary account identifier and OTP verification channel).
• Username of your choosing.
• Encrypted password (we do not store passwords in plain text).
• Date of birth (for age verification — you must be 21 or older).
• Referral or affiliate code, if applicable.

3.2 KYC Verification Data

Before your first withdrawal is processed, we collect:

• Full legal name as it appears on your KTP (Kartu Tanda Penduduk — Indonesian National Identity Card).
• KTP number and a scan or photograph of the front and back of your KTP.
• Selfie photograph holding your KTP alongside your handwritten fio77 username and the current date.
• Indonesian bank account name and account number, or e-wallet identifier, used for withdrawals — to confirm matching identity between the KTP and the nominated payout method.

3.3 Transaction Data

We record all financial transactions conducted through your fio77 account, including:

• Deposit amounts, timestamps, and the payment method category used (e.g., BCA transfer, OVO, DANA).
• Withdrawal requests, amounts, processing status, and payout destination (masked account reference).
• Bonus credits and their associated wagering activity.
• Bet history across all product categories (sportsbook, slots, live casino, fish shooting, Domino QQ).

3.4 Technical and Device Data

When you access the Platform, we automatically collect:

• IP address and approximate geolocation derived from IP.
• Device type, operating system, and browser version.
• Session duration, page views, and navigation paths within the Platform.
• Referring URL (the page you visited immediately before arriving at fio77.pro).

3.5 Customer Support Data

When you contact fio77 via live chat, email ([email protected]), or WhatsApp (+62 811-0000-7777), we collect and store:

• The content of your messages and any attachments you submit.
• Timestamps and channel of contact.
• Resolution notes and any account actions taken as a result of the support interaction.

fio77 collects personal data through the following means:

• Directly from you — when you register an account, complete KYC verification, make a deposit or withdrawal request, place a bet, claim a bonus, or contact customer support.
• Automatically — through cookies, server logs, and similar tracking technologies as you browse and interact with the Platform. See Section 9 for full details on our cookie practices.
• From third-party service providers — our KYC verification partners may return enriched identity data to us as part of the verification process. Our payment processors confirm transaction status and provide masked payment reference data. These providers operate under contractual data processing agreements with fio77.
• From publicly available sources — in cases where fio77 conducts enhanced due diligence on an account (for example, in connection with a large withdrawal or a fraud investigation), we may supplement our records with information from publicly available government databases or accredited commercial data sources.

fio77 uses the personal data we collect for the following specific purposes:

fio77 does not use your personal data for any purpose not listed above without first obtaining your explicit consent or being legally required to do so.

fio77 processes your personal data on the following legal bases:

• Contractual necessity: Processing required to fulfil our obligations to you under the fio77 Terms & Conditions — including account management, transaction processing, and customer support.
• Legal obligation: Processing required to comply with applicable anti-money laundering (AML), know-your-customer (KYC), and other regulatory requirements to which fio77 is subject as a licensed operator.
• Legitimate interests: Processing carried out in pursuit of fio77's legitimate business interests, including fraud prevention, Platform security, and service improvement — where those interests are not overridden by your data protection rights.
• Consent: Processing of your data for direct marketing communications and non-essential cookies, where you have provided explicit, informed consent. You may withdraw this consent at any time without affecting the lawfulness of processing carried out before withdrawal.

fio77 does not sell your personal data. We share your data only in the limited circumstances described below, and only to the extent necessary for each stated purpose:

7.1 Payment Processors

To process your deposits and withdrawals via BCA, BRI, BNI, Mandiri, CIMB Niaga, OCBC NISP, BSI, Bank Permata, OVO, DANA, GoPay, ShopeePay, or LinkAja, we share masked account reference data with our certified Indonesian payment processing partners. These partners are contractually bound to process your data solely for transaction facilitation purposes and may not use it for any other purpose.

7.2 Identity Verification Providers

KYC documentation, including KTP images and selfie photographs, is transmitted to our accredited third-party identity verification provider for automated and manual verification. This provider operates under strict data processing agreements and retains verification records only for the period required by applicable regulations.

7.3 Game Studios and Content Providers

Certain games on the fio77 Platform are provided by third-party studios including Pragmatic Play, Evolution Gaming, NetEnt, Microgaming, Spribe, and Pocket Games Soft. These providers may receive a pseudonymous player identifier (not your real name or KTP data) for the purpose of game session management, player history, and progressive jackpot tracking.

7.4 Law Enforcement and Regulatory Authorities

fio77 may disclose personal data to government authorities, law enforcement agencies, or regulatory bodies where required to do so by applicable law, court order, or as part of an investigation into suspected criminal activity including fraud, money laundering, or match-fixing. fio77 will notify affected users of such disclosures where legally permitted to do so.

7.5 Corporate Transactions

In the event of a merger, acquisition, asset sale, or restructuring of fio77 or its parent entity, personal data held by fio77 may be transferred to the acquiring or successor entity as part of that transaction, subject to the same privacy protections described in this policy.

fio77 takes special care in handling payment-related personal data. The following principles apply to all payment information processed through the Platform:

• fio77 does not store full bank account numbers, e-wallet PINs, or m-banking passwords. When a payment method is registered for withdrawal purposes, fio77 stores only a masked reference (e.g., the last four digits of an account number and the verified account name).
• All financial data is transmitted exclusively over encrypted connections (TLS 1.2 or higher).
• Deposit and withdrawal instructions are processed by our payment gateway partners in isolated, access-controlled environments.
• fio77 staff members do not have direct access to your full bank account credentials at any time.
• All transaction records are retained for a minimum of five years to satisfy anti-money laundering (AML) record-keeping obligations.

fio77 uses cookies and similar technologies (including local storage and session storage) to operate and improve the Platform. The following categories of cookies are used:

You can manage or disable non-essential cookies through your browser settings at any time. Note that disabling strictly necessary cookies will affect your ability to log in and use core Platform features. Most modern browsers provide guidance on cookie management in their help documentation.

fio77 retains personal data only for as long as is necessary to fulfil the purposes for which it was collected, or as required by applicable law. The following retention periods apply:

• Active account data (registration data, transaction history, KYC records): retained for the full duration of your account's active status.
• Transaction records: retained for a minimum of five years following the date of the transaction to comply with AML record-keeping obligations, even after account closure.
• KYC documentation: retained for a minimum of five years following account closure or the completion of the last verified transaction, whichever is later.
• Customer support records: retained for three years from the date of the support interaction.
• Marketing consent records: retained for the period of your active consent plus two years following consent withdrawal, to demonstrate compliance.
• Technical / device data logs: retained for 90 days on a rolling basis, unless flagged as relevant to an active fraud or security investigation.

Following the expiry of the applicable retention period, personal data is securely deleted or anonymised. Anonymised and aggregated data (from which you cannot be identified) may be retained indefinitely for statistical and business intelligence purposes.

fio77 maintains a comprehensive information security programme designed to protect your personal data against unauthorized access, disclosure, alteration, or destruction. Key security measures include:

• Encryption in transit: All data transmitted between your device and fio77 servers is encrypted using TLS 1.2 or higher (256-bit SSL).
• Encryption at rest: Sensitive personal data fields, including KTP numbers and bank account references, are encrypted within our database using AES-256 encryption.
• Access controls: Access to personal data is restricted to fio77 personnel who require it to perform their specific job functions. All access is logged and subject to regular audit.
• Password hashing: User passwords are stored as salted cryptographic hashes using bcrypt. Plain-text passwords are never stored or transmitted.
• Two-factor authentication: fio77 supports SMS OTP-based 2FA for all user accounts and requires 2FA for all administrative Platform access.
• Intrusion detection: fio77's infrastructure is monitored continuously for anomalous access patterns, with automated alerts triggering security reviews.
• Penetration testing: fio77 engages independent security professionals to conduct regular penetration testing of the Platform.

As a fio77 user, you have the following rights in relation to your personal data. To exercise any of these rights, contact fio77 support at [email protected] or via live chat:

• Right of Access: You may request a copy of the personal data fio77 holds about you. We will provide this within 30 days of a verified request.
• Right to Rectification: If any personal data we hold about you is inaccurate or incomplete, you may request that we correct or update it.
• Right to Erasure: You may request deletion of your personal data where it is no longer necessary for the purpose for which it was collected, where you have withdrawn consent, or where it has been unlawfully processed. Note that certain data must be retained for legal compliance purposes (see Section 10) and cannot be erased on request alone.
• Right to Restrict Processing: You may request that fio77 restrict the processing of your personal data in certain circumstances, such as while a dispute about accuracy is being resolved.
• Right to Data Portability: You may request a structured, machine-readable copy of the personal data you have provided to fio77, for the purpose of transferring it to another service provider.
• Right to Object: You may object to fio77 processing your personal data for direct marketing purposes. We will cease such processing immediately upon receipt of your objection. You may also object to processing based on legitimate interests, subject to fio77 demonstrating compelling grounds that override your interests.
• 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 processing carried out before the withdrawal.

All rights requests are handled free of charge. fio77 may ask you to verify your identity before acting on a request in order to protect against unauthorized access to another person's data.

The fio77 Platform is strictly intended for adults aged 21 and over. fio77 does not knowingly collect personal data from any individual under the age of 21. If you believe that a minor has accessed the Platform or provided personal data to fio77, please contact us immediately at [email protected] and we will investigate and delete the relevant data without delay.

fio77 employs age verification controls at registration and during the KYC process to prevent underage access. Where age verification cannot be completed satisfactorily, the Account will be suspended pending manual review.

fio77 primarily processes and stores personal data on servers located within the region serving the Indonesian market. In some cases, personal data may be transferred to and processed in countries outside Indonesia — for example, where our KYC verification provider or cloud infrastructure provider operates servers in another jurisdiction.

Where such transfers occur, fio77 ensures that appropriate safeguards are in place to protect your personal data, including:

• Contractual data processing agreements incorporating standard data protection clauses.
• Transfer only to third-party processors that maintain internationally recognized security certifications (e.g., ISO 27001, SOC 2 Type II).
• Strict limitations on the use of transferred data to the purposes specified in the relevant processing agreement.

The fio77 Platform may contain references to third-party game studios, payment providers, and sports data feeds. fio77 does not operate or control any third-party websites or services referenced on the Platform, and this Privacy Policy does not apply to those third parties. We encourage you to review the privacy policies of any third-party services you interact with independently of the fio77 Platform.

fio77 is not responsible for the privacy practices or content of any third-party services and accepts no liability in connection with the data handling practices of those third parties.

fio77 reserves the right to update this Privacy Policy at any time to reflect changes in our data processing practices, legal requirements, or Platform features. When material changes are made, we will notify you by sending an OTP-verified SMS notification to your registered mobile number, or by displaying a prominent notice on the Platform, no less than 7 days before the updated policy takes effect.

The date of the most recent update is always displayed at the top of this page. Your continued use of the fio77 Platform after the effective date of an updated Privacy Policy constitutes your acceptance of the revised terms. If you do not agree with the changes, you must cease using the Platform and may request Account closure in accordance with the Terms & Conditions.

If you have any questions, concerns, or requests relating to this Privacy Policy or fio77's handling of your personal data, please contact us through any of the following channels. All contact details are provided as plain-text references only and are not clickable links.

• 📧 Email: [email protected]
• 📱 WhatsApp: +62 811-0000-7777
• 🕐 Live Chat: Available 24/7 via the in-app chat widget on the fio77 Platform

We aim to respond to all privacy-related enquiries within 5 business days. For formal data subject rights requests (access, erasure, portability), please allow up to 30 calendar days for a full response, in accordance with applicable data protection standards.