GadaaPay — Data Deletion Policy
Effective Date: January 2025
Last Updated: January 2025
Version 1.0 — United States Only
1. Introduction
This Data Deletion Policy explains how GadaaPay LLC (“GadaaPay,” “we,” “us,” or “our”) handles requests to delete personal data and under what circumstances data can or cannot be deleted. This policy applies to all users, including individual wallet users and business account holders.
2. Your Right to Request Data Deletion
You may request that GadaaPay delete your account and certain personal information. Once we receive and verify your request, we will begin the deletion process.
Deletion requests may be submitted by contacting us at support@gadaapay.com.
3. What Data Can Be Deleted
We will delete or anonymize the following data when you request account closure:
Your name, phone number, email address, and profile information
Your device information
Saved contacts and preferences
Payment methods stored in the app
Non-regulatory personal information stored in your profile
This deletion applies to data that is not legally required to be retained.
4. What Data Cannot Be Deleted (Legal Requirements)
Because GadaaPay operates as a financial service platform, we are required by U.S. law, financial regulations, Stripe requirements, and anti-money-laundering (AML) obligations to retain certain information—even after you request deletion.
This includes:
Transaction history
Payment records
Wallet balance records
Fraud and security logs
Identity verification data (government ID, SSN last four)
Business verification data (EIN, business documents)
Account activity logs
Regulatory reports
Chargeback or dispute information
These records must be kept for 5–7 years, depending on regulatory requirements.
Even after account deletion, this data must remain stored securely for compliance, investigations, AML requirements, tax audits, and financial reporting.
You may request a copy of your retained data, but it cannot be deleted before the legal retention period ends.
5. Financial Transactions Cannot Be Deleted
For security and compliance reasons, financial records—including money sent, money received, merchant payments, refunds, disputes, and withdrawals—cannot be removed from our database. These are required for:
Audits
Fraud detection
IRS reporting
Bank reconciliation
Regulatory controls
Law enforcement requests
This applies to both individual and business accounts.
6. Account Closure vs. Data Deletion
When you request deletion, your account will be:
Permanently closed
Disconnected from your device
Disabled for future login
Removed from the active user system
But data required by U.S. law will remain stored securely until it can be deleted legally.
7. How We Protect Retained Data
Any data required to remain in storage is:
Encrypted
Access-restricted
Stored using Stripe and secure infrastructure
Protected under strict compliance environments
Never used for marketing
Never sold
Never shared unless legally required
Once the retention period ends, the data is permanently deleted or anonymized.
8. How to Submit a Data Deletion Request
To delete your account or request removal of eligible data, email:
Please include:
Your full name
Phone number associated with the account
A brief statement requesting deletion
We may ask for identity confirmation for security.
Most deletion requests are completed within 5–10 business days, except for regulated data that must be retained.
9. Changes to This Policy
We may update this Data Deletion Policy to comply with new laws, regulatory requirements, or operational changes. Updates will be posted on our website with a new effective date.
10. Contact Information
For questions about this policy or to initiate a data deletion request, contact:
Email: support@gadaapay.com
Website: https://gadaapay.com
Location: Minnesota, USA
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