Where This Policy Applies In India
This policy applies to you when you access hokipo from India or from any place where local law permits our services. We collect only the details needed to open and manage an account, confirm identity, keep the session working and answer questions about records. That can
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include contact details, device signals, login history, cookie data, payment references and verification documents. When you add a payment through UPI, Paytm or PhonePe, we keep only the transaction markers needed to match it to your account and complete our checks. We may share limited data
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with service partners, fraud-control tools or legal advisers when that is required to run the service, meet a legal duty or resolve a dispute. If a local rule asks for a different notice or a longer retention period, that rule applies to the relevant processing.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.