Delete your account
You can delete your PunditVTU account and the personal data attached to it. This page explains how, what goes, and what we are obliged to keep.
Withdraw your balance first. Deleting an account with money in the wallet makes returning it slower, because we then have to verify your identity by hand before paying out.
In the app
- Open the app and go to Account.
- Choose Privacy & data, then Delete my account.
- Confirm with your password and transaction PIN.
By email
If you cannot sign in, email pundittechnology@gmail.com from the address on your account, with the subject Account deletion request, including:
- the phone number on the account;
- the vendor storefront you used, if you are a customer;
- whether you want the wallet balance paid out, and to which account in your own name.
We verify the request before acting on it — we will not delete an account, or pay out a balance, on the strength of an email address alone.
What happens
| Step | When |
|---|---|
| We acknowledge your request | Within 2 business days |
| Account disabled, sign-in blocked | Immediately on verification |
| Remaining balance returned | Within 7 business days |
| Personal data erased or irreversibly detached | Within 30 days |
What is deleted
- Your name, phone number and email address.
- Your password hash, transaction PIN hash, two-factor secret and recovery codes.
- Your saved beneficiaries and preferences.
- Your session and refresh tokens — every device is signed out.
- Your support correspondence, once any open matter is closed.
- Device and diagnostic logs, within the normal 90-day window.
What is kept, and why
Some records cannot lawfully be erased on request. We keep the minimum, and we detach it from you.
| Record | Kept for | Why |
|---|---|---|
| Transaction and ledger entries, with your identity replaced by a non-reversible reference | At least 7 years | Financial record-keeping obligations. A ledger that can be edited is not a ledger. |
| Identity verification records, where verification was required | As required by the payment partner or law | Anti-money-laundering obligations |
| Records subject to an open dispute, investigation or legal hold | Until it concludes | We cannot destroy evidence in a live matter |
After deletion these records cannot be linked back to you by us, and they are not used for any purpose other than the ones above.
If you are a vendor
A vendor account cannot be deleted while it holds customer balances or has unsettled transactions. Contact pundittechnology@gmail.com to begin wind-down: we will agree a date, stop new orders, settle outstanding balances to your customers and then close the account.
Changing your mind
You have 14 days from the request to cancel it by writing to pundittechnology@gmail.com. After erasure runs, the account cannot be restored.