Delete and Retain Personal Information

Anantapur Chakra-Flexi Credit enforces systematic data lifecycle procedures to ensure all user records are handled with accountability and care. Personal and financial information is processed strictly to service revolving credit facilities, detect fraudulent practices, and maintain statutory compliance with the Digital Personal Data Protection Act (DPDPA), 2023, the Prevention of Money Laundering Act (PMLA), 2002, and applicable Reserve Bank of India (RBI) digital lending guidelines.

When personal records are no longer required for active credit operations or mandatory legal fulfillment, they undergo safe, permanent destruction or irreversible anonymization.

Pursuant to Indian statutory regulations, distinct categories of customer data are archived according to specific retention mandates:

• KYC Credentials & Financial Registers: Official government identification records (including PAN and Aadhaar copies), credit evaluations, transaction histories, and loan repayment registers are stored for a mandatory period of five (5) years following profile termination or final loan settlement, as mandated by PMLA standards.
• Account Credentials & Registration Attributes: Registered mobile phone numbers, contact email addresses, and personal profile settings are preserved throughout the active account lifecycle. Upon account closure, such credentials are archived in encrypted, access-restricted vaults for five (5) years to satisfy statutory audit requirements.
• Technical Telemetry & Diagnostic Data: System performance metrics, app crash dumps, and device hardware telemetry are preserved for up to two (2) years from collection to facilitate software maintenance, eliminate technical bugs, and ensure platform security.

In alignment with data subject rights under the DPDPA 2023, personal record management incorporates two formal erasure pathways:

• User-Initiated Deletion Requests: You retain the statutory right to request the removal of your personal data from our operational databases. Formal requests should be submitted from your verified registered email address to business@anantapurchakraflexi.com, or through our Delete Account page. Our compliance officers will review and address verified applications within fifteen (15) business days, excluding records subject to mandatory legal or statutory retention exceptions.
• Automated Inactivity Purge: Profiles demonstrating no login activity, credit requests, or transaction engagements for eighteen (18) consecutive months are automatically flagged for archiving or permanent erasure. An advance notice will be dispatched via registered SMS or email thirty (30) days prior to triggering the final purge.

Official Website: https://www.anantapurchakraflexi.com

Privacy Policy URL: https://www.anantapurchakraflexi.com/privacy-policy

Support Email: business@anantapurchakraflexi.com