Account Deletion & Data Retention

Effective Date: September 7, 2026
Last Updated: September 7, 2026

At SkyloFin (developed and operated by Skylo Digital - MSME Udyam: UDYAM-MH-23-0433200), you have absolute authority and full ownership over your account and personal data. You can request the complete deletion of your account at any time, whether or not you currently have the SkyloFin application installed on your device.

1. How to Delete Your Account

We provide two simple mechanisms to delete your account:

Option A: Delete Account from Inside the Mobile App

If you currently have the SkyloFin App installed on your smartphone:

1. Open the SkyloFin App.
2. Tap More in the bottom bar, then Security.
3. Scroll to Delete Account and tap it. (On the first release of the app, tap Privacy & data first.)
4. Confirm your deletion request when prompted.

Option B: Delete Account via Email or Web Request (Without App Installed)

If you have already uninstalled the App, lost access to your device, or prefer submitting an online request:

• Send an email to support@skylofin.com with the subject line "Account Deletion Request".
• Important: Submit the email from the exact Google Account email address registered with SkyloFin so we can verify account ownership.
• Note: We will never ask for your passwords, as SkyloFin utilizes secure Google Sign-In authentication.

2. Deletion Process & 30-Day Recovery Window

To protect our users against accidental account loss, deletion follows a deliberate 2-stage timeline:

• Immediate Actions (Day 0):
  • You are immediately signed out across all active mobile sessions.
  • All active authentication refresh tokens are revoked.
  • Local background SMS parsing permissions and sync services stop immediately.
• 30-Day Grace Period (Inactivation):
  • Your account profile is marked as inactive but remains recoverable for 30 days in case of accidental deletion.
  • Signing back into the App within 30 days automatically restores your account profile.
• Permanent Deletion (After 30 Days):
  • After 30 consecutive days, your account profile and associated identity parameters stored on our servers are permanently and irreversibly purged.

3. What Personal Data Is Deleted From Our Servers

Upon completion of the 30-day grace period, the following server records are permanently erased:

• Your full Name, registered Email Address, and optional Phone Number.
• Your central account profile record and sign-in metadata.
• Your tracked affiliate link interactions and saved product preferences.
• Server-side authorization tokens issued to Skylo Digital.

4. What Financial Data Was Never on Our Servers

SkyloFin is built on a Zero-Transaction Storage Architecture:

• Your spending records, bank SMS contents, budget limits, account balances, and transaction history are NEVER sent to or stored on SkyloFin servers.
• On-Device Data: Transaction history stored locally on your smartphone is cleared immediately when you uninstall the App or clear App Storage settings.
• Google Drive Backups: Any encrypted backup files created inside your personal Google Drive remain entirely under your control. You can delete the SkyloFin backup folder directly from your personal Google Drive storage at any time.

5. Retained Anonymized Records (Legal & Tax Exceptions)

A minimal set of non-identifiable records may be retained after account deletion strictly for legal or regulatory compliance:

• Tax & Financial Records: Anonymized logs of affiliate referral commissions earned through third-party interactions, retained as mandated by Indian statutory financial auditing laws. These records contain zero personally identifiable details.
• Aggregated Metrics: Anonymized, high-level usage statistics (e.g. total active user counts) that cannot be linked back to any individual user.
• Direct Support Communications: Historical email correspondence sent to support@skylofin.com maintained for legal dispute resolution.

6. Revoking Google Permissions Directly

You can also revoke SkyloFin’s authentication access directly through your Google Security Dashboard at any time:

1. Visit Google Account Security (myaccount.google.com/permissions).
2. Locate SkyloFin under Third-party apps with account access.
3. Click Remove Access / Delete all connections.

7. Contact Us

If you have any questions regarding data deletion or wish to query the profile data stored on our backend, please contact our support desk:

• Operating Entity: Skylo Digital (Proprietorship)
• Registration: MSME Udyam: UDYAM-MH-23-0433200
• Support Email: support@skylofin.com
• Official Website: https://skylofin.com
• Corporate Location: Nashik, Maharashtra, India - 422003