Data Deletion Policy
Hisab Dost · Version 1.2 · September 2026
Please follow the instructions below to delete your account and data.
Contents
1 Request Deletion Through WhatsApp or Telegram
You can request deletion of your Hisab Dost account and associated account data directly from your linked WhatsApp or Telegram chat with the Hisab Dost assistant.
- Use /deletedata in your WhatsApp or Telegram chat to start the deletion request.
- Type DELETE to confirm the request.
- Your account is disabled and new processing stops.
- If available, you may use /canceldelete during the pending deletion window to restore the account.
2 Deletion Timeline
After confirmation, deletion follows this general process:
- Request starts immediately after confirmation
- Your account is disabled and new processing stops
- Pending deletion window of up to 8 hours
- After that, eligible account data is permanently erased from active systems
3 Request Deletion by Email
If you cannot access the service, you can request deletion by email.
Please send your request to support@michio.in and include:
- Your registered phone number
- A clear request that you want your Hisab Dost data deleted
4 Withdrawal of Consent vs Account Deletion
Withdrawing bookkeeping consent is not the same as deleting your Hisab Dost account.
- Withdraw bookkeeping consent: You can use the consent controls provided in the Hisab Dost app. New consent-based bookkeeping processing stops, including new bookkeeping entries, consent-based reports, UPI Auto-Capture processing, and Telegram or WhatsApp bookkeeping processing that relies on that consent.
- Bookkeeping and ledger data retained for that consent-based purpose is erased from active Hisab Dost systems, unless retention of specific information is necessary for compliance with applicable law.
- Your Hisab Dost account itself remains. Limited account, security, billing, legal, consent, withdrawal, and compliance records may remain where required for account administration or another lawful purpose.
- You may later give fresh consent again through the Hisab Dost app. After fresh consent, bookkeeping starts with a new, empty ledger. Bookkeeping data erased following the earlier withdrawal is not restored.
- Where encrypted backups are used, residual copies of bookkeeping data erased after consent withdrawal may remain for up to 30 days before removal through backup rotation. Such residual backup copies are not used for normal bookkeeping processing.
- Delete account: Use /deletedata and confirm with DELETE to request deletion of the Hisab Dost account and eligible associated account data. The account is disabled after confirmation and, after the pending deletion window of up to 8 hours, eligible account data is permanently erased from active systems. Where available, /canceldelete may restore the account during that pending window.
5 Important Clarifications
- Deletion applies to data processed and stored by Hisab Dost.
- Deletion does not remove messages or records already stored by Telegram, WhatsApp, banks, UPI apps, or other third-party platforms outside our control.
- Some limited records may be retained longer only where required for legal, accounting, fraud prevention, security, audit, tax, billing, refund processing, payment-dispute or chargeback resolution, or compliance purposes.
- Where backups are used, residual copies of deleted account data may remain in encrypted backups for up to 30 days before removal through backup rotation. Any longer retention applies only to limited records retained separately for an applicable legal, accounting, fraud prevention, security, audit, tax, billing, refund, payment-dispute or chargeback, or compliance purpose.
6 What Account Data We Delete
When a deletion request is completed, eligible account data is removed from active Hisab Dost systems. This may include:
- Profile and account-linking data such as your phone number, Telegram ID or WhatsApp identifier, where applicable
- Ledger entries, reports, and related transaction records
- UPI candidate and confirmation records connected to the account
- Device-token records connected to the account
- Consent, subscription, payment-support, and service records, except where limited retention is required for an applicable legal, accounting, fraud prevention, security, audit, tax, billing, refund, payment-dispute or chargeback, or compliance purpose
7 What We Cannot Delete
Hisab Dost cannot delete data stored outside our control, including:
- Messages retained by Telegram or WhatsApp
- Bank, UPI app, or payment provider records
- Records legally required to be retained by external platforms
- Data already exported or stored by the user outside Hisab Dost
8 Privacy & Deletion Contact
For data deletion requests, privacy-related questions, or consumer grievance-related queries:
Email: support@michio.in
Website: michio.in
Where the Consumer Protection (E-Commerce) Rules, 2020 or another applicable law requires a consumer grievance timeline, consumer grievances will be acknowledged within 48 hours of receipt and redressed within one month from the date of receipt, or within any shorter period required by applicable law.
For in-service deletion requests, the deletion flow follows the product process, including a pending deletion window of up to 8 hours. Privacy and data-rights requests are handled within the period required by applicable data-protection law.
To protect user accounts, we may ask for limited information necessary to verify that the request belongs to the correct account holder before processing deletion or related requests.