Data Retention & Erasure Policy
ChakraGati Line adheres to structured data lifecycle standards to handle user information responsibly, in compliance with the DPDP Act 2023, PMLA 2002, and RBI lending directions.
Purpose & Core Storage Governance
ChakraGati Line adheres to structured data lifecycle standards to handle user information responsibly. Personal details are processed solely for executing credit line transactions, preventing financial fraud, and ensuring compliance with the Digital Personal Data Protection (DPDP) Act 2023, the Prevention of Money Laundering Act (PMLA) 2002, and RBI lending directions. When data is no longer necessary for operational or legal mandates, it is subjected to permanent destruction or irreversible anonymization.
Mandatory Storage Durations
To align with Indian regulatory directives, different categories of user information are maintained under specific retention schedules:
Financial Ledger & KYC Documentation: Government identifiers (including PAN and Aadhaar records), credit scoring metrics, disbursement histories, and settlement logs are retained for a period of five (5) years after account termination or complete debt clearance, as required by PMLA guidelines.
Account Identity & Registration Details: Registered phone numbers, primary email addresses, and profile preferences are stored throughout your active platform relationship. Following account termination, these records are transferred to encrypted storage for five (5) years to fulfill regulatory audit obligations.
System Telemetry & App Performance Metrics: Software crash reports, diagnostic logs, and hardware performance metrics are retained for up to two (2) years from collection to support platform stability, resolve technical issues, and improve application functionality.
Data Erasure Protocols & Automated Purging
Pursuant to statutory rights under the DPDP Act 2023, user records are managed through two distinct erasure mechanisms:
User-Driven Deletion Demands: You may request the deletion of your personal data from our active systems. Formal requests should be sent from your registered email account to business@kodaikanalcreditdhan.com, or submitted directly through our account deletion page. Our compliance team will process verified requests within fifteen (15) business days, subject to data retained under statutory financial or legal exemptions.
Inactivity Cleanup Procedure: User profiles reflecting no operational activity or credit interactions for eighteen (18) consecutive months are queued for automated archiving or deletion. A notification will be dispatched via email or SMS thirty (30) days prior to finalizing the cleanup.
Data Governance Contact Points
Official Website: https://www.kodaikanalcreditdhan.com
Privacy Policy: https://www.kodaikanalcreditdhan.com/privacy-policy
Contact Email: business@kodaikanalcreditdhan.com