Tokma (“Tokma,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you use our mobile applications, including Tokma App and Tokma Provider App, our websites, including tokmadigital.com, and related services collectively referred to as the “Services.”
Effective Date
2026-01-15
Last Updated
2026-03-20
Tokma is a service marketplace platform that allows users to discover, book, request, and pay for services through our app and web portal. This Privacy Policy also explains how we handle information related to bookings, payments, authorizations, provider payouts, refunds, cancellations, disputes, and service fulfillment.
If you do not agree with this Privacy Policy, please do not use our Services.
We may collect information you provide directly, such as:
When you use the Services, we may collect:
Our website may use cookies and similar technologies to remember preferences, improve website performance, analyze traffic, enhance security, and support user experience.
We use information to:
Tokma may collect and process payment-related information when users book services, post marketplace requests, request rides, accept provider offers, or complete transactions through the platform.
Payment-related information may include:
Tokma may use third-party payment processors, merchant service providers, banks, gateways, card networks, ACH providers, wallet providers, fraud-prevention tools, or payout partners to process payments and provider payouts.
Tokma does not store full card numbers or sensitive card authentication data unless permitted and handled through a compliant payment provider. Payment information is processed through approved payment service providers according to their security and compliance standards.
Tokma may use payment authorization, capture, or settlement logic depending on the service type.
When a user books a service through Tokma, the user may pay through a card or another supported payment method. The payment may be authorized or collected at the time of booking. After the service is completed or confirmed, Tokma may deduct applicable platform fees and settle the provider’s service fee according to Tokma’s payout schedule.
When a user posts a job or custom service request, Tokma may authorize an amount related to the expected service value. Providers may receive notifications and submit offers. The user can review and accept an offer. Once the user accepts an offer, the payment may be captured, adjusted, or processed based on the accepted amount and applicable payment provider rules.
For ride-sharing services, Tokma may authorize the estimated ride amount when the user requests a ride. Once a driver accepts and the ride is completed, Tokma may process the final fare based on distance, time, route, waiting time, dynamic pricing, applicable fees, or other ride-related charges.
If you are a service provider, vendor, or driver, Tokma may collect and use information necessary to calculate and process your payouts.
This may include:
Tokma may share necessary payout information with banks, payment processors, ACH providers, payout partners, or compliance service providers only for the purpose of processing payments, verifying payout eligibility, preventing fraud, complying with law, or maintaining accurate financial records.
Tokma may charge a platform commission based on service category, provider type, agreement, or operational requirement. The commission generally ranges from 5% to 8%, depending on the applicable category or business arrangement.
Tokma may use transaction information to calculate:
These records may be retained for business, accounting, tax, legal, dispute-resolution, and compliance purposes.
Tokma may collect and review information related to cancellations, refunds, disputes, failed payments, chargebacks, or service complaints.
This information may include:
Tokma may use this information to:
Tokma support may evaluate disputes using available system records and evidence submitted by users or providers.
If you opt in, Tokma may send transactional text messages such as:
End-users consent to receive messages by opting in inside the Tokma App and/or Tokma web form when entering a phone number and checking an unchecked consent checkbox describing the SMS types. We may send an OTP to verify the number.
Consent is not a condition of purchase.
You can opt out of SMS at any time by replying STOP. You may receive one final confirmation message.
For help, reply HELP or contact us using the details in the “Contact Us” section.
Message frequency varies based on your activity, such as bookings, account verification, payment updates, service updates, and cancellation notices. Message and data rates may apply depending on your carrier plan.
Tokma SMS messages may include links to open relevant pages in the Tokma App through deep links/universal links or to view information online.
Mobile information, including phone numbers, will not be shared, sold, rented, or disclosed to third parties or affiliates for marketing or promotional purposes.
All categories of information sharing exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties.
We may share limited information with service providers who help us operate SMS delivery and our Services, such as messaging platforms, cloud hosting, analytics, and customer support tools. This information is shared strictly to provide services to Tokma and not for the service provider’s own marketing.
We may share information in the following ways:
We may share necessary information between users and providers to fulfill a booking, service request, ride, or marketplace job. This may include names, service location, pickup or delivery details, contact details required for coordination, booking notes, service details, and service status.
We may share information with payment processors, merchant service providers, banks, card networks, ACH providers, payout partners, payment gateways, fraud-prevention vendors, and financial compliance providers to:
We may share information with vendors and service providers who process data on our behalf, including hosting providers, messaging providers, analytics providers, customer support tools, security tools, payment service providers, and operational software providers.
We may disclose information if required by law, court order, legal process, government request, payment processor requirement, or to protect rights, safety, security, prevent fraud, enforce our policies, or respond to disputes.
We may share or transfer information in connection with a merger, acquisition, financing, reorganization, asset sale, or business transfer, where permitted by law.
We retain personal information for as long as needed to:
Retention periods may vary depending on the type of data, legal requirements, payment processor requirements, tax obligations, and operational needs.
Payment, transaction, payout, refund, dispute, and chargeback records may be retained for a longer period where required for compliance, accounting, fraud prevention, audit, or dispute-resolution purposes.
We use reasonable administrative, technical, and organizational measures to protect your information.
These may include access controls, encryption where appropriate, secure hosting, monitoring, authentication controls, audit logs, and restricted access to sensitive information.
However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security of your information.
Depending on your location and applicable laws, you may have rights to:
Some information may need to be retained where required for legal, tax, accounting, payment processing, fraud-prevention, dispute-resolution, or compliance purposes.
If you use Tokma as a service provider, vendor, or driver, we may collect additional information to verify your identity, business, services, eligibility, and payout details.
This may include:
We use this information to operate the provider marketplace, verify providers, process payouts, manage disputes, prevent fraud, and comply with payment or legal requirements.
Tokma Services are not intended for children under 16 or the minimum age required by local law.
We do not knowingly collect personal information from children. If we learn that we have collected information from a child without appropriate consent, we will take steps to delete it where required by law.
If you access our Services from outside the country where our servers or service providers are located, your information may be transferred, stored, and processed in those locations in accordance with this Privacy Policy.
By using Tokma Services, you understand that your information may be processed in countries that may have different data protection laws than your country of residence.
We may update this Privacy Policy from time to time.
When we make changes, we will post the updated version on this page and update the “Last Updated” date. If changes are significant, we may provide additional notice through the app, website, email, SMS, or other appropriate means.
Your continued use of the Services after the updated Privacy Policy becomes effective means you accept the updated policy.
If you have questions about this Privacy Policy or our privacy practices, contact us:
