Privacy Policy

Effective Date: 2026-01-15
Last Updated: 2026-03-20

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.”

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.

1. Information We Collect

A. Information You Provide

We may collect information you provide directly, such as:

  • Account information, including name, phone number, email address, password in hashed form, and profile details
  • Booking information, including selected service or package, booking date and time, service location, pickup or drop-off location, booking notes, and special instructions
  • Marketplace request information, including job/request details, estimated budget, preferred schedule, uploaded images, notes, and provider offers
  • Ride-sharing information, including pickup location, destination, estimated fare, ride status, driver assignment, and trip-related details
  • Provider information, if applicable, including business details, service listings, availability, service category, payout details, documents, verification information, and profile information
  • Payment-related information, including payment method details, billing information, transaction amount, authorization status, payment status, refund status, payout status, and transaction reference information
  • Support communications, including messages you send to Tokma support or within the app

B. Information Collected Automatically

When you use the Services, we may collect:

  • Device and usage data, including device model, operating system version, app version, IP address, language, crash logs, diagnostic data, and usage activity
  • Approximate location, if enabled, and/or location related to your booking, ride, delivery, pickup, or service request
  • Transaction and activity logs, including booking actions, request posting, offer acceptance, service status, cancellation actions, refund requests, and dispute-related activity
  • Security and fraud-prevention information, including login activity, device identifiers, transaction patterns, and suspicious activity signals

C. Cookies and Similar Technologies

Our website may use cookies and similar technologies to remember preferences, improve website performance, analyze traffic, enhance security, and support user experience.

2. How We Use Information

We use information to:

  • Create, verify, and manage your Tokma account
  • Process bookings, service requests, marketplace job posts, ride requests, and provider offers
  • Send booking confirmations, reminders, service updates, cancellation notices, refund updates, and payment-related notifications
  • Authorize, process, capture, refund, or settle payments
  • Support provider payouts and settlement calculations
  • Calculate Tokma platform fees, commissions, taxes, processing fees, adjustments, and provider earnings
  • Help providers deliver services to users
  • Verify provider eligibility, service listings, and payout information
  • Provide customer support and respond to user or provider requests
  • Review cancellations, refunds, complaints, and disputes
  • Maintain transaction records, booking records, audit logs, and service history
  • Improve, secure, debug, and analyze our Services
  • Detect, prevent, and respond to fraud, unauthorized activity, payment abuse, chargebacks, or policy violations
  • Comply with legal, regulatory, accounting, tax, and payment processor requirements
  • Enforce our Terms and Conditions, Provider Terms, policies, and agreements

3. Payment and Transaction Information

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:

  • Payment method type
  • Billing details
  • Transaction amount
  • Authorization amount
  • Captured amount
  • Payment status
  • Refund status
  • Cancellation fee, if applicable
  • Tokma platform fee or commission
  • Provider payout amount
  • Payment processor transaction ID
  • Booking ID, reservation ID, request ID, or ride ID
  • Dispute or chargeback information
  • Settlement and payout records

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.

4. Payment Authorization, Capture, and Settlement

Tokma may use payment authorization, capture, or settlement logic depending on the service type.

A. Pre-Booking Model

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.

B. Marketplace / Custom Request Model

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.

C. Ride-Sharing Model

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.

5. Provider Payout and Settlement Information

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:

  • Provider profile and verification details
  • Bank account or payout method details
  • Service category
  • Booking or ride completion records
  • Gross service earnings
  • Tokma platform commission
  • Payment processing fees
  • Refunds, chargebacks, or adjustments
  • Taxes, if applicable
  • Net payout amount
  • Payout schedule
  • Payout status
  • Transaction reference ID
  • Settlement history

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.

6. Tokma Platform Fee and Commission

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:

  • Customer payment amount
  • Provider gross earnings
  • Tokma platform commission
  • Payment processing fees
  • Refunds or adjustments
  • Cancellation fees
  • Net provider payout

These records may be retained for business, accounting, tax, legal, dispute-resolution, and compliance purposes.

7. Refunds, Cancellations, and Disputes

Tokma may collect and review information related to cancellations, refunds, disputes, failed payments, chargebacks, or service complaints.

This information may include:

  • Booking date and time
  • Service date and time
  • Booking amount
  • Reservation ID
  • Request ID or ride ID
  • Service category
  • Customer and provider details
  • Payment status
  • Provider acceptance record
  • Service completion status
  • Cancellation reason
  • Refund reason
  • User complaint details
  • Provider response
  • Uploaded proof, images, documents, or screenshots
  • Location or ride-tracking data, if applicable
  • Communication history related to the transaction

Tokma may use this information to:

  • Review refund eligibility
  • Apply cancellation policies
  • Resolve disputes between users and providers
  • Respond to chargebacks or payment processor inquiries
  • Prevent fraud or misuse of the platform
  • Decide whether to release payment to the provider, refund the user, partially refund the user, apply a fee, or temporarily hold payment

Tokma support may evaluate disputes using available system records and evidence submitted by users or providers.

8. SMS/Text Messaging Privacy

A. What SMS We Send

If you opt in, Tokma may send transactional text messages such as:

  • Account opening and verification messages, including OTP
  • Booking confirmations, reminders, updates, and cancellations
  • Payment, refund, payout, or service-related updates
  • Important service or account notifications related to your Tokma activity

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.

C. Opt-Out / Help

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.

D. Message Frequency and Fees

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.

F. No Sharing of Mobile Information for Marketing

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.

G. Service Providers

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.

9. How We Share Information

We may share information in the following ways:

A. With Users and Providers

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.

B. With Payment and Financial Service Providers

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:

  • Process payments
  • Authorize transactions
  • Capture payments
  • Issue refunds
  • Process provider payouts
  • Handle disputes or chargebacks
  • Verify bank or payout details
  • Prevent fraud
  • Maintain financial records
  • Comply with legal or regulatory requirements

C. With Vendors and Service Providers

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.

E. Business Transfers

We may share or transfer information in connection with a merger, acquisition, financing, reorganization, asset sale, or business transfer, where permitted by law.

10. Data Retention

We retain personal information for as long as needed to:

  • Provide the Services
  • Process bookings, payments, refunds, cancellations, disputes, and provider payouts
  • Maintain business, accounting, tax, and transaction records
  • Comply with legal, regulatory, payment processor, and financial obligations
  • Resolve disputes and enforce agreements
  • Prevent fraud, abuse, or unauthorized activity

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.

11. Security

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.

12. Your Choices and Rights

Depending on your location and applicable laws, you may have rights to:

  • Access certain personal information
  • Correct inaccurate information
  • Request deletion of certain information
  • Object to or restrict certain processing
  • Withdraw consent where applicable
  • Manage SMS preferences where available
  • Opt out of SMS by replying STOP

Some information may need to be retained where required for legal, tax, accounting, payment processing, fraud-prevention, dispute-resolution, or compliance purposes.

13. Provider Privacy and Verification

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:

  • Business or individual provider information
  • Service category and service listings
  • Availability and pricing
  • Documents required for verification
  • Tax or payout-related details
  • Bank account or payout method details
  • Service completion records
  • Customer ratings, reviews, and complaints
  • Payout and settlement history

We use this information to operate the provider marketplace, verify providers, process payouts, manage disputes, prevent fraud, and comply with payment or legal requirements.

14. Children’s Privacy

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.

15. International Users

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.

16. Changes to This Privacy Policy

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.

17. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us:

Tokma
Email: hello@tokmadigital.com
Support: hello@tokmadigital.com
Address: 7440 CROWN POINT AVE OMAHA NE 68134