Delete and Retain Personal Information

This includes your verified mobile number, voluntary email address, and unique profile identifiers. These elements remain active throughout your relationship with the app. Upon formal account closure, Indian financial statutes require us to keep these essential records in a secure, restricted archive for a definitive term of five (5) years for audit and compliance trails.

This encompasses your custom layout preferences, personalized settings, and interface choices. These parameters are archived for a period of five (5) years following your final active session, allowing for an immediate restoring of your personalized dashboard should you decide to return to our platform.

This covers technical device parameters, software crash logs, and hardware environmental metrics. This automated performance data is retained for a maximum duration of two (2) years from generation, enabling our development team to resolve application bugs and improve structural software stability.

User-Initiated Deletion Requests

You possess a formal statutory right to ask for the complete removal of your information from our active databases. You can send an explicit request to business@credbantagecreditline.com from your verified email address. Our security team will process and complete this deletion within fifteen (15) business days, excluding only the data we are legally obligated to archive under Indian financial laws.

Inactivity-Triggered Purge Routine

In line with data minimization guidelines, accounts showing zero interaction for a continuous period of eighteen (18) months will be automatically designated for systemic deletion. A prior reminder notice will be sent to your registered contact channel exactly thirty (30) days before the permanent removal of data is carried out.