Can’t find personal hotspot option in iPhone 13 pro max
Personal hotspot option
iPhone 13 Pro Max
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One possibility -- see the following from If Personal Hotspot is not working on your iPhone or iPad (Wi-Fi + Cellular) - Apple Support
Check that Personal Hotspot is turned on in Settings > Personal Hotspot. If you can't find or turn on Personal Hotspot, check that your wireless carrier enabled it and that your wireless plan supports it.