Data Retention and Deletion Policy
Understanding how we store, retain, and delete your personal data.
Governance of Data Storage
At Valsad Hisab, we are dedicated to managing the lifecycle of your personal and financial data with the utmost precision. Our protocol is strictly defined: we store your information solely to execute loan simulations, maintain your calculation history, and satisfy the legal mandates of the Indian jurisdiction.
This document serves as an extension of our primary Privacy Policy, which details your broader rights and is available at: Privacy Policy.
Timelines for Information Storage
We categorize user data and apply specific storage durations based on operational necessity and regulatory compliance.
Credentials and Verification Data
- Scope: This includes your registered email, phone number used for MFA, and unique device identifiers.
- Objective: To sustain your user profile, ensure secure access, and facilitate account recovery.
- Duration: We maintain this data while your account is active. Upon account termination, we archive these records for a period of sixty (60) months (5 years). This duration is mandated to comply with Indian financial record-keeping regulations and audit trails.
Financial Records and Saved Calculations
- Scope: This encompasses your generated EMI schedules, loan comparison charts, and saved financial scenarios.
- Objective: To allow you to review past calculations and track your financial planning progress.
- Duration: To ensure a seamless historical view for the user, we store this interaction data for five (5) years from the timestamp of creation.
System Diagnostics and Logs
- Scope: Aggregated performance metrics and anonymous error reports.
- Objective: Utilized exclusively by our engineering team to rectify bugs and optimize app stability.
- Duration: Technical logs are purged from our systems after a maximum of twenty-four (24) months (2 years).
Storage Integrity
During the entire retention lifecycle, your data is safeguarded behind advanced encryption layers and strict access protocols to negate any risk of unauthorized breaches.
Mechanisms for Data Removal
You retain absolute sovereignty over your data, including the right to demand its permanent removal from our servers.
Initiating a Manual Purge
You may formally request the erasure of your data by emailing our compliance officer at business@ptdynamicsoftmasolu.com. To validate the request, please ensure it originates from your registered email address.
We are committed to processing valid requests within 15 business days. Post-processing, all personal identifiers will be permanently scrubbed from our active databases, barring any data we are legally compelled to preserve.
Policy on Account Dormancy
To practice responsible data hygiene, accounts that exhibit zero engagement (no login activity) for a continuous period of eighteen (18) months will be flagged for deletion.
We will issue a warning notification to your registered email 30 days prior to the scheduled execution. If no activity is recorded during this grace period, your data will be automatically erased or anonymized.
Third-Party Synchronization
We enforce strict contractual clauses with our service partners to ensure that any data shared for processing is also deleted or de-identified in alignment with your requests or our retention schedules.
Regulatory Inquiries
Should you have queries regarding this protocol or wish to exercise your data rights, please direct your correspondence to us.
Email: business@ptdynamicsoftmasolu.com
Official Website: https://www.ptdynamicsoftmasolu.com
SLA: We acknowledge all inquiries and strive to provide a substantive response within 10 business days.
Questions?
If you have any questions about this policy, please contact us at:
business@ptdynamicsoftmasolu.com