Delete Your Account

1. Overview

This page explains how to request deletion of your VALNYX account and the associated personal data we hold about you. This process is part of your rights under the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

VALNYX LTD is committed to respecting your privacy rights and will process all legitimate deletion requests in accordance with applicable data protection laws.

2. How to Delete Your Account

You can request account deletion through any of the following methods:

Option 1: In-App Deletion (Recommended)

The fastest and most secure way to delete your account is directly through the VALNYX app:

1. Go to My Account

   Open the VALNYX app on your iOS or Android device, sign in, and tap on "My Account" from the menu.

2. Find "Delete My Account"

   Scroll all the way down to the bottom of the My Account page. You will see the "Delete My Account" button (highlighted in red).

3. Confirm Deletion

   Tap the button and confirm that you want to delete your account. Read the warning carefully before proceeding.

4. Account Deleted

   Your account will be deleted and you will be logged out. You will receive an email confirming your account deletion.

Option 2: Email Request

If you cannot access your account or prefer to submit a written request:

Your email request must include:

• The email address associated with your VALNYX account
• A clear statement that you wish to delete your account
• Your full name as registered on the account
• The approximate date you created the account (if known)

Option 3: Written Request by Post

You may also submit a written request by post to:

Please note: Postal requests may take longer to process due to mail delivery times. We recommend email requests for faster processing.

3. Identity Verification

To protect your account and prevent unauthorised deletion requests, we must verify your identity before processing any deletion request.

3.1 Verification Methods

Request Method	Verification Required
In-App Deletion	Account password
Email Request (from registered email)	Response to verification email
Email Request (from different email)	Government-issued ID + proof of account ownership
Written Post Request	Copy of government-issued ID

3.2 Unable to Verify Identity

If we cannot verify your identity, we may:

• Request additional information or documentation
• Ask security questions about your account
• Delay processing until verification is complete
• Refuse the request if verification cannot be established (to protect the account holder)

4. Data That Will Be Deleted

Upon successful account deletion, the following data will be permanently erased from our systems:

Data Category	Specific Data	Status
Account Information	Name, email address, profile photo, account settings, preferences	Permanently Deleted
Authentication Data	Password hash, session tokens, two-factor authentication settings	Permanently Deleted
Financial Data	Bank accounts, credit cards, assets, liabilities, net worth history	Permanently Deleted
Bills & Expenses	All bills, recurring payments, payment history, reminders	Permanently Deleted
Income Records	All income entries, salary information, income sources	Permanently Deleted
Assets & Investments	Stocks, cryptocurrencies, ETFs, real estate, precious metals, valuables	Permanently Deleted
Savings Goals	All savings goals, progress, contributions	Permanently Deleted
Documents	All uploaded documents, receipts, contracts, scanned bills	Permanently Deleted
AI Conversations	All Valerie chat history, AI advisor interactions	Permanently Deleted
Reports & Analytics	Generated reports, analytics data, charts, historical trends	Permanently Deleted
Calendar & Reminders	Bill due dates, custom reminders, calendar entries	Permanently Deleted
Notification Settings	Push notification preferences, email notification settings	Permanently Deleted

5. Data That May Be Retained

Certain data may be retained after account deletion for legitimate legal, regulatory, or technical reasons:

Data Type	Reason for Retention	Retention Period
Encrypted Backups	Disaster recovery and data integrity	Up to 90 days
Transaction Logs	Legal compliance (fraud prevention)	Up to 6 years*
Payment Records	Tax compliance (HMRC requirements)	Up to 7 years*
Legal Correspondence	Legal disputes or regulatory investigations	Duration of proceedings
Anonymised Analytics	Service improvement (non-identifiable)	Indefinite
Account Deletion Record	Audit trail and compliance evidence	Up to 3 years

*These retention periods are required by UK law (Limitation Act 1980, Companies Act 2006, VAT Act 1994). Retained data is stored securely, is not used for any other purpose, and is automatically purged after the retention period expires.

5.1 Legal Basis for Retention

Data retention after deletion requests is permitted under UK GDPR Article 17(3) when necessary for:

• Legal Obligations: Compliance with UK tax, company, and financial regulations
• Legal Claims: Establishment, exercise, or defence of legal claims
• Public Interest: Archiving purposes in the public interest

6. Deletion Timeline

Stage	Description	Timeframe
Request Received	Acknowledgment email sent	Within 24 hours
Identity Verification	Verification process initiated	1-5 business days
Account Deactivation	Account access suspended	Immediately upon verification
Data Deletion	Primary data permanently deleted	Within 30 days
Backup Purge	Data removed from backups	Within 90 days
Confirmation Email	Final deletion confirmation sent	Upon completion

6.1 Cooling-Off Period

There is a 14-day cooling-off period after you submit a deletion request through the app. During this period:

• Your account will be deactivated but not deleted
• You can cancel the deletion request by logging in
• After 14 days, deletion proceeds automatically and cannot be reversed

7. Before You Delete

Please consider the following before permanently deleting your account:

7.1 Export Your Data

Download a copy of your financial data before deletion:

• PDF Reports: Go to Analytics → Generate Report → Download PDF
• Excel Export: Go to Analytics → Export → Download Excel/CSV
• Data Portability Request: Email privacy@getvalnyx.com for a complete data export (UK GDPR Article 20)

7.2 Save Important Documents

If you have uploaded documents (receipts, contracts, bills), download them from the Documents section before deletion.

7.3 Consider Alternatives

Before deleting your account, consider:

• Downgrade to Free: Keep your account with limited features at no cost
• Contact Support: If you're experiencing issues, we may be able to help
• Take a Break: Simply stop using the app—your data will remain secure

8. Subscription Cancellation

8.1 How to Cancel Subscriptions

Platform	How to Cancel
Google Play (Android)	Google Play Store → Menu → Subscriptions → VALNYX → Cancel
App Store (iOS)	Settings → [Your Name] → Subscriptions → VALNYX → Cancel

8.2 Refund Policy

• Refund requests must be made through Google Play or the App Store
• VALNYX cannot process refunds directly—all payments are handled by platform providers
• Deleting your account does not automatically qualify you for a refund
• Unused subscription time is not refundable upon account deletion

9. Third-Party Data

Deleting your VALNYX account removes data from our systems only. Data held by third parties is subject to their own policies:

9.1 Third-Party Services

Service	Data They May Hold	Action Required
Google/Firebase	Authentication tokens, crash logs	Deleted automatically with account
Anthropic (Valerie AI)	AI conversation processing	Not retained by Anthropic
Google Play / App Store	Payment history, subscription records	Contact Google/Apple directly
Analytics Providers	Anonymised usage statistics	No action needed (non-identifiable)

10. After Deletion

10.1 Confirmation

You will receive an email confirmation once your account and data have been fully deleted.

10.2 What Happens Next

• You will be logged out of all devices
• Your email address will become available for registration
• Any active sessions will be terminated
• Push notification tokens will be invalidated

10.3 Creating a New Account

You may create a new VALNYX account using the same email address after deletion is complete. However:

• Your previous data cannot be recovered
• Your previous subscription does not transfer
• You will start with a fresh Free tier account

11. Your Legal Rights (UK GDPR)

As a UK-domiciled company, VALNYX LTD complies with the UK GDPR and the Data Protection Act 2018. You have the following rights:

Right	Description	How to Exercise
Right of Access (Article 15)	Request a copy of all personal data we hold about you	Email privacy@getvalnyx.com
Right to Rectification (Article 16)	Correct any inaccurate or incomplete personal data	In-app or email
Right to Erasure (Article 17)	Request deletion of your personal data	This page
Right to Restriction (Article 18)	Restrict processing of your data in certain circumstances	Email privacy@getvalnyx.com
Right to Data Portability (Article 20)	Receive your data in a structured, machine-readable format	Email privacy@getvalnyx.com
Right to Object (Article 21)	Object to certain types of data processing	Email privacy@getvalnyx.com
Right to Complain	Lodge a complaint with the UK Information Commissioner's Office (ICO)	ico.org.uk

11.1 Response Timeframe

We will respond to all data rights requests within one month. This may be extended by two further months for complex requests, in which case we will inform you within one month of your request.

11.2 No Fee Required

You do not have to pay a fee to exercise your data rights. However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive.

12. Accounts of Minors

VALNYX is intended for users aged 16 and over (18 in some jurisdictions).

12.1 Parental/Guardian Requests

If you are a parent or guardian and believe your child under 16 has created a VALNYX account:

• Email privacy@getvalnyx.com with details
• Provide proof of your parental/guardian relationship
• We will delete the account within 48 hours of verification

13. Deceased Users

If a VALNYX user has passed away, authorised representatives may request account deletion:

13.1 Required Documentation

• Death certificate or equivalent official document
• Proof of legal authority (executor, administrator, or next of kin documentation)
• Government-issued ID of the requestor
• The email address associated with the deceased's VALNYX account

13.2 Processing

Submit requests to privacy@getvalnyx.com with "Deceased User Account" in the subject line. Requests are typically processed within 14 business days of receiving complete documentation.

14. Contact Information

For questions about account deletion, data privacy, or to submit a data rights request:

14.1 UK Information Commissioner's Office (ICO)

If you are not satisfied with how we handle your data rights request, you have the right to complain to the UK supervisory authority: