We retain your personal data for as long as your account is active. If you delete your account, we will permanently remove your personal data within 30 days, except where retention is required by law. During this 30-day grace period, you may cancel the deletion by simply logging back into the app.
5.1 Fraud Prevention: To prevent abuse of promotional offers (such as free trial periods), we retain a minimal record of your registered phone number in a separate fraud-prevention ledger even after account deletion. This record contains only your phone number and the date the trial was granted — no other personal data, business data, or client information is retained. This is done under the legitimate interest of preventing repeated fraudulent sign-ups, as permitted under the Digital Personal Data Protection Act, 2023.
5.2 Financial Records: Anonymized transaction records (subscription payments, top-up purchases) may be retained for up to 8 years as required under the Income Tax Act, 1961 (Section 44AA) and applicable GST regulations. These records do not contain personally identifiable information after anonymization.
5.3 Business Transfers & Mergers: In the event that Kshiti Software Solutions undergoes a business transition, such as a merger, acquisition by another company, sale of all or a portion of its assets, or corporate restructuring, your personal information and uploaded data will likely be among the assets transferred to the acquiring or successor entity.
5.4 Business Dissolution & Permanent Shutdown: If we permanently shut down the Platform or close the company, we will make reasonable commercial efforts to notify users in advance to export their data. Following the closure date, all personal data, client databases, portfolio images, and user records stored on our servers will be permanently deleted from our databases and backups within a reasonable time frame, except where retention is required under applicable legal or regulatory frameworks.