Data Deletion Policy

1. Your Right to Data Deletion

X-Pay respects your right to privacy and control over your personal data. You have the right to request deletion of your account and associated data at any time. This page explains how to submit a data deletion request and what happens to your data.

⚠️ Important Notice

Data deletion is permanent and irreversible. Once your account is deleted, you will lose access to all services, transaction history, and any remaining wallet balance. Please ensure you withdraw all funds before requesting deletion.

2. How to Request Data Deletion

Method 1: Via WhatsApp (Recommended)

Open WhatsApp and message Xara
Type: "Delete my account" or "Delete my data"
Xara will verify your identity by asking for your PIN
Confirm that you want to delete your account and all data
Receive confirmation when deletion is complete (within 48 hours)

Method 2: Via Email

Send an email to xara@xpay-bits.com with:

Subject: Data Deletion Request
Include: Your full name
Include: Phone number associated with your account
Include: Reason for deletion (optional)

We will respond within 48 hours to verify your identity and process your request.

Method 3: Via Support Form

Visit our support page and:

Select "Data Deletion Request" from the form
Provide your account details for verification
Submit the form
Our team will contact you within 48 hours

3. What Data Is Deleted

When you request data deletion, the following information is permanently removed from our systems:

Personal Information

Name and email address
Phone number
Profile information
Authentication credentials
WhatsApp conversation history

Financial Data

Wallet balances (must be $0)
Transaction history
Payment preferences
Beneficiary lists
Virtual card information

Usage Data

Device information
Session logs
Location data
Analytics data
AI conversation history

Other Data

Susu group memberships
Savings goals
Notification preferences
Support tickets
Feedback and surveys

4. Data Retention Requirements

While we delete most data immediately, certain information must be retained for legal and regulatory compliance:

Information We Must Keep

Transaction Records: Financial transaction logs for 7 years (regulatory requirement)
KYC Documents: Identity verification records for 5 years (anti-money laundering laws)
Fraud Prevention: Records related to fraud investigations or disputes
Legal Holds: Data subject to active legal proceedings or government requests

This retained data is anonymized where possible and stored securely with restricted access. It is only used for compliance purposes and is never used for marketing or service improvement.

5. Before You Delete Your Account

Please complete these steps before requesting data deletion:

1. Withdraw All Funds

Transfer or withdraw all remaining balance from your X-Pay wallet. Accounts with remaining funds cannot be deleted until the balance is $0.

2. Cancel Pending Transactions

Ensure all pending deposits, withdrawals, or transfers are completed or cancelled. Accounts with pending transactions cannot be deleted.

3. Export Transaction History

Download a copy of your transaction history if you need it for tax or personal records. This will not be available after deletion. Message Xara: "Export my transactions"

4. Leave Susu Groups

If you're a member of any Susu savings groups, please leave them before deletion. Group administrators must remove you from active groups.

5. Resolve Outstanding Disputes

If you have any open support tickets or transaction disputes, resolve them before requesting deletion. Contact xara@xpay-bits.com for assistance.

6. Deletion Timeline

Within 24-48 Hours

Account access disabled
Profile and personal information deleted
WhatsApp conversation history removed

Within 7 Days

All backup copies deleted
Third-party service providers notified to delete data
Analytics and usage data purged

Within 30 Days

All deletion processes verified and completed
Confirmation email sent
Retained compliance data anonymized

7. Third-Party Data

X-Pay integrates with third-party services that may have their own data retention policies:

WhatsApp/Meta: Your WhatsApp conversations are subject to WhatsApp's Privacy Policy. We do not control WhatsApp's data retention.
Payment Providers (MTN, Orange Money, Stripe): Transaction records with these providers are subject to their own policies and may be retained independently.
AI Services (OpenAI): Anonymized conversation data used for AI training may be retained by our AI provider per their data policies.

We will instruct all third-party processors to delete your data, but cannot guarantee deletion from their systems beyond our contractual obligations.

8. Reactivation Policy

Once your account is deleted, reactivation is not possible. If you wish to use X-Pay services again in the future, you will need to:

Create a new account from scratch
Complete identity verification again
Lose access to previous transaction history
Rebuild beneficiary lists and preferences

Consider temporarily deactivating your account instead of full deletion if you may return.

9. Contact Us

For questions about data deletion or to request deletion:

Primary: Message Xara on WhatsApp: "Delete my account"

Email: xara@xpay-bits.com

Privacy Officer: privacy@xpay-bits.com

Address: X-Pay Financial Services, Monrovia, Liberia