User Rights & Privacy (DPDPA 2023)

Account & Personal Data Deletion Request

In compliance with Google Play Store Policies and the Digital Personal Data Protection Act, 2023 (DPDPA), PayCred users have the unconditional right to request the permanent deletion of their account and associated personal data.

What will be deleted immediately

Active login sessions and session security tokens across all devices.
Stored mobile profile, avatar, and personal contact details.
Saved payee bank accounts and saved cards/biller profiles.
FCM push notification tokens and device identifiers.
KYC documents and uploaded identity storage objects.
WhatsApp notifications and marketing consent records.

Legally mandated retention

Financial payment transaction logs and bank IMPS UTRs must be retained under the Prevention of Money Laundering Act (PMLA 2002) (retention period: TODO: confirm with CA/lawyer).
Completed settlement audit hashes and tax invoices must be retained under RBI & GST regulations (retention period: TODO: confirm with CA/lawyer).
Retained financial records are quarantined in read-only audit cold storage and never used for marketing.

Public Deletion Verification

Grievance Officer: support@paycred.tech

HINDUSTAN MFG • Response SLA: Within 30 days

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