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DATA DELETION

Delete Your Financial Data

Complete guide to removing your financial information from DebtZero India

Critical Financial Data Warning

Data deletion is permanent and irreversible. This will remove ALL your financial information, debt analysis, optimization strategies, payment history, and progress tracking from DebtZero India. Your debt-free journey progress will be completely erased and cannot be recovered.

In-App Deletion

Steps:

  1. Open DebtZero India app
  2. Go to Settings → Account
  3. Select "Data & Privacy"
  4. Tap "Delete Financial Data"
  5. Complete verification process
  6. Confirm permanent deletion

Processing Time: Immediate

Status: Available when app launches

Secure Email Request

Required Information:

  • Registered email address
  • Account verification details
  • Identity proof (Aadhaar/PAN)
  • Reason for deletion (optional)
  • Digital signature confirmation

Processing Time: 7-15 business days

Email: sales@xigmapro.com

DPO Request

For Complex Cases:

  • Multiple account consolidation
  • Joint financial accounts
  • Legal compliance requirements
  • Data portability before deletion
  • Regulatory audit requests

Processing Time: Up to 30 days

Contact: DPO via sales@xigmapro.com

What Financial Data Will Be Deleted

Debt Information

  • All loan details and EMI information
  • Credit card balances and payment history
  • Debt consolidation strategies and plans
  • Interest rate analysis and projections
  • Repayment schedules and optimization data

Financial Profile

  • Income and expense categorization
  • Investment portfolio and savings data
  • Credit score history and monitoring
  • Bank account linking and transaction data
  • Financial goals and milestone tracking

Analysis & Reports

  • Debt optimization recommendations
  • Financial health assessments
  • Progress reports and analytics
  • Custom debt-free strategy documents
  • Interest savings calculations

Personal Information

  • Identity verification documents
  • Employment and income verification
  • Contact information and preferences
  • Communication history with advisors
  • App usage patterns and behaviors

Deletion Timeline (RBI Compliant)

1

Immediate (0-24 hours)

Account deactivated, app access revoked, real-time data processing stopped

2

7-15 Business Days

Active financial data removed from operational systems, optimization engines cleared

3

30-90 Days

Complete removal from backup systems, analytics databases, and audit trails (per RBI guidelines)

4

7 Years (Legal Retention)

Certain records retained for tax and regulatory compliance as required by Indian law

Important Financial Considerations

Credit Impact

Deleting your data will not affect your actual credit score or loan obligations with banks. Your financial institutions maintain their own records.

Regulatory Compliance

Some financial data may be retained for up to 7 years as required by RBI regulations, tax laws, and anti-money laundering compliance.

Third-party Integrations

Data shared with credit bureaus, banks, or financial partners must be deleted separately through those institutions' privacy processes.

Data Export Option

Before deletion, you can request a complete export of your financial analysis and debt optimization strategies for your personal records.

Data Protection Support

For financial data deletion requests or privacy concerns, contact our Data Protection Officer:

Email: sales@xigmapro.com
(Subject: "Financial Data Deletion Request")

Phone: +91 8902496474
(Business hours: 9 AM - 6 PM IST)

Website: xigmapro.com

⚡ Priority Support: Financial data requests are processed within 24 hours on business days