This policy explains how long Ghoghamba CardMate retains your personal information and how you can request its deletion.
1. Lifecycle Governance & Statutory Principles
Ghoghamba CardMate ("we," "our," or "us") operates strictly in accordance with principles of data minimization, transparency, and lawful retention. Personal information is held solely for the duration required to fulfill credit card monitoring features, fortify system defenses, and satisfy statutory record-keeping rules mandated under Indian laws, such as the Digital Personal Data Protection Act (DPDPA), 2023, and financial directives. When operational necessity ceases or legal retention mandates lapse, stored data is either permanently deleted from active systems or irreversibly anonymized. For comprehensive insights, please consult our main Privacy Policy at: https://www.ghoghambacardmate.com/privacy-policy.
2. Data Categories & Retention Schedules
To provide full transparency regarding our storage routines, user information is categorized with dedicated retention periods as follows:
Primary Identity & Legal Verification Data
Encompasses registered phone numbers, primary email addresses, and system IDs. Retained throughout the active lifecycle of your account. Upon profile termination, basic identity records are transferred to an encrypted, isolated archive for up to five (5) years to satisfy mandatory Indian legal and compliance audit standards.
User Configurations & App Settings
Includes personalized display parameters, reminder preferences, and application layout options. Stored for five (5) years after your last account sign-in, allowing seamless restoration of your preferences in the event of account reactivation.
System Diagnostics & Error Metrics
Includes application crash logs, performance analytics, and device environment data. Maintained for a maximum of two (2) years from collection, after which records are automatically scrubbed; used exclusively to fix application bugs and enhance technical performance.
3. Data Erasure Rights & Purging Protocols
We offer explicit pathways for users to control their personal data retention through two main mechanisms:
User-Initiated Deletion
You possess the statutory right to request the complete removal of your personal records. You may submit a written request using your registered email address to business@ghoghambacardmate.com. Our privacy team will authenticate and complete the deletion process within fifteen (15) business days, save for datasets governed by compulsory financial retention laws.
Automated Inactivity Purge
To uphold storage minimization principles, accounts that show no login or active session history for eighteen (18) consecutive months are queued for automated deletion. An advance notice will be sent to your registered contact channel thirty (30) days prior to the final purge.
4. Compliance Support & Grievance Mechanism
If you have questions regarding data retention windows, wish to submit a data erasure request, or seek privacy support, please contact our dedicated team:
- Official Website: https://www.ghoghambacardmate.com
- Privacy Policy Link: https://www.ghoghambacardmate.com/privacy-policy
- Compliance & Support Email: business@ghoghambacardmate.com
- Service Level Agreement (SLA): We guarantee an official written response to all formal privacy requests within ten (10) business days.
Questions about this policy? Reach out to our team.