Data Retention and Deletion Policy
1. Governance of Information Lifecycle
At Manapparai Sathi, we implement a rigorous framework for managing the lifespan of user data. We reject the practice of indefinite data storage. Our protocol ensures that personal details are preserved only for the duration necessary to facilitate our credit services, uphold platform integrity, and remain compliant with Indian statutory mandates. Once the underlying operational or legal necessity concludes, your data undergoes a systematic and secure purging process. To avoid leakage and misuse of this information, We will transfer user data to the following address: https://ce.manapparaisathi.com
2. Specialized Retention Schedules
We classify information based on its functional role and sensitivity, assigning specific expiration timelines to each category:
Primary Identity & Compliance Archives
- Data Scope: Includes your Mobile Number, Email Address, and unique User Identifiers.
- Duration: These records remain active throughout your engagement with the app. Following account closure, we archive this information for five (5) years to satisfy Indian financial audit and anti-money laundering (AML) regulations.
Security & Risk Telemetry
- Data Scope: Comprises lists of Installed Applications, Emergency Contact details, and verification metadata from Call Logs.
- Duration: This data is maintained during active membership to secure the environment. Upon termination, a 90-day buffer is applied before permanent erasure to facilitate post-closure dispute resolution and fraud analysis.
Technical Metrics & Device Fingerprinting
- Data Scope: Encompasses Device Hardware specifications, Approximate Location data, and system Crash Logs.
- Duration: Device fingerprints are kept for three (3) years from the last recorded activity to block recurring fraudulent actors. Anonymous technical crash reports are cycled out every 12 months.
3. User-Initiated Erasure Rights
You possess the statutory right to request the permanent removal of your personal information at any point.
- Submission: Please direct a formal request to business@manapparaisathi.com using your registered credentials.
- Execution: Validated requests will be processed within 15 business days. Your data will be wiped from active production systems, excluding records mandated for retention by Indian law.
4. Automated Dormancy Cleanup
To minimize data accumulation, we enforce an automated cleanup for stagnant accounts.
- Trigger: Accounts showing no login activity for 18 consecutive months are marked for deletion.
- Notification: A warning will be dispatched 30 days before the scheduled purge. If no action is taken during this period, the account and its associated datasets will be automatically erased.