I was surprised to see my iPhone 5's personal hotspot available as a WiFi choice from my iPad. I checked the phone and personal hotspot was turned off. I turned it on and off again and it still appeared. Using Airplane Mode and rebooting the devices did not help - it just would not turn off.
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This is intentional behaviour since iOS 8.1. It is called Instant Hotspot and is described as a feature of Continuity:
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