Collectby IKANISA
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ACCOUNT AND DATA DELETION

Data deletion and retention

You may request deletion of eligible personal data. Some records may be retained where required by law or necessary for security, fraud prevention, disputes, regulatory compliance, or ledger integrity.

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Delete Data
Data deletionRequest data supportProfile details, support messages and service data are handled through support.
Profile detailsProfile-related deletion requestScope
Support messagesSupport request historyReview
Retention rulesLimited retention may applyPolicy

Deleting your Collect account does not automatically close any bank account, cancel any loan, cancel any insurance policy, remove a repayment obligation or remove records independently held by a regulated partner.

12. Account deletion and data deletion

Delete your account in the Collect app

  • Open Collect
  • Go to Profile
  • Select Settings
  • Select Privacy and Security
  • Select Delete Account
  • Review the consequences
  • Verify your identity
  • Confirm your request

Delete your account through the website

Use the public account-deletion page. You do not need to reinstall the app to submit a deletion request.

Link: /account-deletion

What happens after a deletion request

  • We verify that the request comes from the account holder
  • We explain any outstanding steps
  • We restrict ordinary use of the account
  • We delete or anonymise eligible personal data
  • We notify relevant service providers where required
  • We confirm completion

We aim to respond within 30 days or within the period required by applicable law.

What may need to happen first

  • Withdraw or transfer any available balance through the partner institution
  • Resolve pending contributions or reversals
  • Transfer a group-administrator role
  • Complete or cancel an active credit-readiness handoff
  • Address an unresolved dispute or fraud investigation

What account deletion does not do

  • Close a bank account
  • Cancel a loan
  • Remove a repayment obligation
  • Cancel an insurance policy
  • Cancel a subscription purchased through an app store
  • Remove records held independently by a bank, insurer or payment provider

Data we may retain

  • Financial transaction and audit records
  • KYC and AML obligations
  • Accounting or tax compliance
  • Fraud and security prevention
  • Legal claims
  • Regulatory reporting
  • Protecting the rights of other group members

Where a ledger entry affects other members, the transaction record may remain while your profile is deleted, restricted or de-identified as far as legally and technically possible. Deleted information may remain temporarily in secured backups until those backups are overwritten under our backup schedule.

What happens next

  • We verify your identity.
  • We review pending transactions and group responsibilities.
  • We tell you if any action is required.
  • We delete or anonymise eligible data.
  • We retain only records required by law or necessary for security, fraud prevention, disputes and regulatory compliance.
  • We confirm when the process is complete.

We aim to respond within 30 days or within the period required by applicable law.

Data we may retain

  • Financial transaction and audit records
  • KYC and AML records
  • Accounting and tax records
  • Fraud and security records
  • Records needed to resolve disputes or legal claims
  • Regulatory reports
  • Ledger entries needed to protect the rights of other group members

Where a ledger entry affects other members, the transaction record may remain while your profile is deleted, restricted or de-identified as far as legally and technically possible. Deleted data may remain temporarily in secured backups until those backups are overwritten.

Products provided by partners

To close a bank account, cancel an insurance policy or discuss a loan, contact the relevant bank, insurer or other provider. Collect cannot cancel an independently provided regulated product on the partner’s behalf unless the partner has expressly enabled that workflow.

Need help?

Email: info@ikanisa.com

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