Privacy Policy

This Privacy Policy describes how Lokio ("we") collect, use, and protect your information when you use our platform and services, including the Lokio Balance (in-app credit) system.

Information We Collect

We may collect information you provide directly (e.g. when registering, contacting us, or subscribing), usage data (access logs, feature interactions), and technical information (device, browser, IP address) as needed for our services.

Payment & Balance Data

When you top up your Lokio Balance, we collect transaction-related data such as the top-up amount, timestamp, payment method type (processed by third-party payment gateways), and transaction status. We do not store full card numbers or sensitive payment credentials — these are handled exclusively by our verified payment gateway partners. We retain transaction records to fulfill legal, financial, and dispute-resolution obligations.

Fraud Prevention

To protect users and maintain platform integrity, we collect and analyze behavioral signals such as login patterns, IP addresses, device fingerprints, and transaction histories. This data is used solely to detect and prevent unauthorized access, fraudulent top-ups, chargebacks, and other abusive activities. We may share relevant data with payment processors and law enforcement when required by law or to investigate suspected fraud.

Use of Information

Information is used to provide and improve services, personalize experience, communicate about the service, process and verify transactions, ensure platform security, and maintain legal compliance. We do not sell your personal data to third parties.

Cookies and Similar Technologies

We may use cookies and similar technologies to remember preferences, analyze traffic, and improve experience. You can manage cookie preferences in your browser.

Data Security

We implement reasonable technical and organizational measures to protect your data, including encryption of data in transit and at rest. However, no transmission over the internet can be guaranteed 100% secure. If you suspect unauthorized activity on your account, please contact us immediately.

Your Rights

You may request access, correction, or deletion of your personal data, and object to certain processing as permitted by law. Note that transaction records related to your Lokio Balance may be retained for legal and audit purposes even after account deletion. Contact us via email or the contact page for such requests.

Changes

We may update this Privacy Policy from time to time. Material changes will be communicated via the platform or email. We encourage you to review this page periodically.