1.Principles of Data Lifecycle Management
ShriCredit Tracker adheres to strict standards of transparency, lawful processing, and data minimization. We preserve your personal information strictly for as long as necessary to deliver credit card management services, prevent security threats, and comply with statutory obligations under Indian law, including the Digital Personal Data Protection Act, 2023 (DPDPA) and financial regulatory directives. Once the operational purpose terminates or statutory storage periods expire, all records are permanently deleted or rendered fully anonymous. For details, refer to our Privacy Policy.
2.Data Classification & Preservation Timelines
To ensure clear disclosure of our retention practices, user data is categorized with specific retention intervals:
Account Profile & Regulatory Credentials
Registered phone numbers, email addresses, and account identifiers. Kept during active user tenure. Upon account closure, Indian statutory regulations mandate retaining baseline identity records in an encrypted, restricted archive for up to five (5) years for compliance audits.
Application Preferences & Dashboard Settings
User configuration choices, notification rules, and layout options. Preserved for five (5) years following your last active session, ensuring your profile setup is preserved should you reactivate your account.
Technical Logs & Diagnostic Telemetry
Crash details, application metrics, and system runtime information. Kept for a maximum of two (2) years from creation before automated purge, used strictly for system enhancement and troubleshooting.
3.User Data Rights: Deletion Requests & Automated Purging
We provide users with comprehensive tools to manage their personal data lifecycle through two primary avenues:
On-Demand Erasure: You maintain the legal right to request complete deletion of your data. Submit an official request from your registered email to business@shricredittracker.com, or use our Delete Account page. Our privacy compliance unit will process and verify your request within 15 business days, excluding datasets subject to statutory financial retention mandates.
Inactivity Cleanup: In compliance with regional data minimization standards, accounts that remain inactive for a continuous period of 18 months are automatically scheduled for system purging. A notification will be dispatched to your email 30 days prior to final deletion.
4.Grievance Redressal & Contact Channels
For questions regarding our retention intervals, data protection procedures, or to submit privacy complaints, please reach out to our dedicated team:
Official Website: https://www.shricredittracker.com
Privacy Policy URL: https://www.shricredittracker.com/privacy-policy
Compliance Email: business@shricredittracker.com
Service SLA: We commit to reviewing and providing a formal written response to all privacy queries within 10 business days of receipt.