pkoik-'s Privacy Policy — your information is completely safe with us

When you register and use our services at pkoik, we collect certain information. This data falls into two categories — information you provide directly, and information collected automatically.

Directly Provided Information:

• Full name, email address, and mobile number (collected at registration).
• Date of birth (for age verification).
• National ID or passport number (for the KYC process).
• Payment details — mobile banking number or bank account information.
• Information from your conversations with our support team.

Automatically Collected Information:

• IP address and device information.
• Browser type and operating system.
• Click and navigation data on the platform.
• Login time and session-related information.

Pkoik uses collected data only for specific purposes. The use cases are clearly outlined below:

Pkoik does not retain data longer than necessary. How long information is kept depends on its type and the purpose for which it was collected.

• Account information: For the duration your account is active, and for 5 years after closure (as required by law).
• Financial transaction details: 7 years, in accordance with Bangladesh financial regulations.
• Support Conversations: 2 years after the issue is resolved.
• Cookie and session data: Upon session end or a maximum of 30 days.

Once the retention period expires, data is securely deleted or anonymized.

Pkoik does not sell your personal information to advertisers or data brokers. In limited circumstances, however, certain data may be shared with specific third parties:

• Payment Processor: Only the minimum required data is shared with payment gateways to process transactions.
• Identity Verification Service: Licensed verification agencies for the KYC process.
• Legal obligations: Under court order or government directive.
• Fraud Prevention: Limited data shared with security partners.

Cookies are small text files stored in your browser. pkoik uses the following types of cookies:

• Essential cookies: To maintain your login session and ensure platform security. The platform cannot function without these.
• Performance Cookies: To understand which pages are most visited — fully anonymised.
• Functionality Cookies: To remember your language preference and UI settings.
• Marketing Cookies: Only with your consent.

You can manage cookies at any time through your browser settings. Please note that disabling essential cookies may affect the availability of certain features.

As a pkoik user, you have full control over your own information. Your rights are outlined below:

• Right to Access: You can find out what information we hold about you.
• Right to Rectification: You can request corrections to any inaccurate or outdated information.
• Right to Erasure: You may request deletion of your data under certain circumstances.
• Right to Portability: You can request your data in a readable format.

To exercise any of these rights, please contact our support team.

If a minor accidentally creates an account and we become aware of it, that account and all associated data will be deleted immediately. If you are a parent or guardian and have reason to suspect this, please contact us right away.

Pkoik uses multiple layers of security to protect your information. No system is 100% foolproof, however — so here is a transparent overview of the measures we have in place:

• 256-bit TLS/SSL encryption on all data transmissions.
• Data-at-rest encryption for all data stored on our servers.
• Two-factor authentication (2FA) is required for sensitive actions.
• Regular penetration testing and security audits.
• Employee access to data is limited and role-based.
• Real-time alert system for suspicious activity.

In the event of a security breach, we will notify affected users within 72 hours.

Pkoik may update this Privacy Policy from time to time — due to new services, legal changes, or security improvements.

For significant changes, we will post a notice on the platform and notify you at your registered email address. Continued use of the service after any changes will be taken as acceptance of the updated policy.

The date of any changes will always be noted at the top of this page.

If you have any questions about this Privacy Policy, wish to make a request regarding your data, or would like to raise a concern, please get in touch with us:

We typically respond to all privacy-related requests within 3 business days.