In-app (recommended):
Sova Money app → Menu → Delete Account → Enter PIN/OTP → Confirm.
By email:
Send a request from your registered email to privacy@sovamoney.com. Include your full name, registered phone (if any), and Wallet ID.
For security, we may ask for additional verification before we act on the request.
To protect you and comply with financial regulations, we may need to ensure that:
All balances are settled and pending transactions/chargebacks are resolved.
Any legal, compliance or fraud investigations involving the account are closed.
Your active sessions are terminated and app notifications are disabled immediately.
Profile and app settings data are deleted or irreversibly anonymised within 30 days.
You will no longer be able to access the app or recover the account once deletion is complete.
We may need to retain limited information to meet our obligations under KYC/AML, tax, accounting, and dispute-resolution laws, including:
Transaction ledgers and receipts,
KYC/AML evidence, and
Support and dispute records.
Such records are kept only for as long as required by law (typically up to 7 years) and are then deleted or anonymised.
Encrypted backups and security logs are overwritten on a rolling basis and are fully purged within 90 days after deletion, except where a longer period is required by law or to resolve a security incident.
Where legally permissible, we will forward your deletion request to third-party service providers (e.g., cloud hosting, analytics, crash reporting, push notifications) that process data on our behalf. Some providers may retain limited data to comply with their own legal duties.
If you need a copy of your data before the account is deleted, contact privacy@sovamoney.com. We will confirm your identity and provide instructions and timelines for delivering an export, where feasible.
If an account was deleted by mistake, contact us within 7 days. Restoration is not guaranteed and is only possible if the data has not yet been irreversibly deleted or anonymised and no legal restriction applies.
We may decline or temporarily defer a deletion request if:
We cannot verify your identity,
There is an outstanding balance, chargeback, or open dispute,
A legal hold or regulatory requirement prevents deletion, or
The request is manifestly unfounded or excessive (as permitted by law).