Delete My Ovr Finance Account
How to request deletion of your Ovr Finance account and associated data. Ovr Finance is published by JRM Creative Ventures LLC. No login is required to use this page.
- Request by email
- No login required
- Deletion is permanent
Last updated
Request deletion of your Ovr Finance account
Send an email to the address below and we will delete your Ovr Finance account and the personal data associated with it. You do not need the app installed, and you do not need to sign in anywhere to make this request.
Use the subject line Delete My Ovr Finance Account and include:
- the email address associated with your account or waitlist entry
- the sentence: "I request deletion of my Ovr Finance account and its associated data."
You may be asked to reauthenticate, or to confirm the request from the email address on the account, so that we do not delete someone else's data on a stranger's request.
Deleting your account does not cancel a paid subscription
If you subscribed to Starter, Premium or Elite through the Apple App Store or Google Play, that subscription is billed by Apple or Google and Ovr cannot cancel it for you. Cancel it yourself first — in the App Store, through your Apple account's subscription settings; on Google Play, through your Play Store subscription settings. If you need help finding it, email support@ovrfinance.io and we will walk you through it.
1. Your Right to Delete
Right now there are no Ovr accounts to delete
This website does not create Ovr accounts. If you joined the waitlist, what we hold is the information that form collected: your first and last name, email address, the debt range you selected, how you heard about Ovr, a referrer, and any free-text answer you gave. You can have all of it removed today by emailing privacy@ovrfinance.io. There is no grace period or verification step for that — we just delete it.
The rest of this page describes account deletion in the Ovr mobile app, so you can read it before you decide to trust us with anything.
Where this right comes from
Ovr will launch in the United States only, so the laws that actually bind us are US state privacy laws. We apply the same deletion process to everyone who asks, wherever they live, rather than making you prove residency first.
- CCPA/CPRA §1798.105 - Right to Delete (California)
- Virginia, Colorado, Connecticut, Utah - equivalent state rights
We are not currently established in the EU, UK, or Canada and do not target users there, so we do not claim GDPR or UK GDPR status. If we expand, this page will be updated before we accept signups from those regions.
No Conditions Required
You may request deletion:
- At any time, for any reason or no reason
- Without penalty - No fees or charges
- Without discrimination - No denial of services
- Without providing justification
2. Before You Delete
Deletion is permanent and irreversible
Before proceeding, consider the following:
You Will Lose:
- Access to your account and all features
- Financial data and insights
- AI recommendations and personalized settings
- Subscription benefits (if applicable)
- All saved preferences and configurations
- Account history and communications
You Cannot:
- Recover deleted data
- Reactivate your account
- Access previous transactions or reports
- Restore subscription benefits
Deletion is not the same as cancelling your subscription
These are two separate actions, handled by two different companies. Deleting your Ovr account does not stop Apple or Google from billing you.
- A paid subscription bought through the App Store or Google Play is not cancelled by deleting your Ovr account. You must cancel it through Apple or Google.
- Any financial account connection made through the app is ended, and Ovr stops requesting data for it.
- Ovr does not move money, so there are no scheduled Ovr payments to cancel. Payments you owe to your own lenders are unaffected and remain your responsibility.
Recommended Actions Before Deletion:
Ask for a copy of your data
Email privacy@ovrfinance.io with the subject "Data Export Request" before you delete. We will send it in a commonly used machine-readable format.
Cancel your subscription
Through your Apple account subscription settings or your Google Play subscription settings — not through Ovr. This step is required; we cannot do it for you.
Disconnect any linked financial accounts
From the account area of the Ovr app, if you connected one. This is optional — deletion ends the connection either way — but doing it first means you can confirm it yourself.
Save Important Information
Download reports or screenshots you need
2.2 Purchases, Charges and Refunds
Nothing blocks your deletion request
We will not hold a deletion request open because of a billing question. There is no balance to settle with Ovr: every paid plan is charged by Apple or Google, not by us.
Refunds are handled by the store
- Ovr subscriptions are monthly. Deleting mid-month does not generate a pro-rated refund from Ovr, because Ovr never took the payment.
- Refund requests for an App Store or Google Play purchase — including individually purchased AI Recalibrations — go to Apple or Google under their refund policies.
- If you think you were charged in error, email support@ovrfinance.io and we will help you raise it with the right store, even after deletion.
3. How to Submit a Deletion Request
By email — works for everyone, no app or login needed
Email: privacy@ovrfinance.io
Subject line: "Delete My Ovr Finance Account"
Please include:
- 1. The email address associated with your account or waitlist entry
- 2. Your name, if you gave us one
- 3. A clear statement: "I request permanent deletion of my Ovr Finance account and all associated data."
You may be asked to reauthenticate before we act on the request.
From inside the Ovr Finance app
If you have the app installed and are signed in, you can start deletion from the account section of the app's settings, without contacting us. You may be asked to reauthenticate to confirm it is really you.
There is no Ovr account or settings screen on this website, so if you are not signed in to the app, use the email route above.
We aim to acknowledge deletion requests within one business day, and to complete them well within the response deadlines in section 12.
4. Identity Verification
To protect your privacy and prevent unauthorized deletion, we must verify that you are the legitimate account holder.
If you request in the app:
- You are already signed in, so your session is the verification. You may be asked to reauthenticate.
- How you reauthenticate depends on how you signed up — we do not assume you set a password.
If you request by email:
- Send it from the email address on the account where you can. If you cannot, tell us and we will find another way.
- We may reply asking you to confirm the request, or to reauthenticate, before we delete anything.
We will not use verification as a way to wear you down. If you ask twice and we still cannot match you to an account, we will tell you plainly that we hold nothing for you rather than leaving the request unanswered.
5. Scope of Data Deletion
Personal Information:
- Full name, email, phone number
- Password (encrypted hash)
- Profile photo or avatar
- Account preferences and settings
Financial Data:
- Linked bank account identifiers
- Payment history and records
- Debt payoff projections and goals
- AI-generated recommendations
Technical Data:
- Device information and IP addresses
- Usage logs and analytics data
- Session data and cookies
- Error logs with personal identifiers
Communications:
- Support tickets and messages
- Feedback and survey responses
- Email correspondence
- In-app messages
Data That Cannot Be Fully Deleted:
Anonymized/Aggregated Data:
- Stripped of identifiers, so it cannot be traced back to you
- Used only for aggregate statistics, never resold
- Because it is no longer personal data, deleting your account does not remove it
6. Data Retention and Exceptions
30-Day Grace Period Timeline:
Legal Retention Exceptions:
| Record Type | Retention | Legal Basis |
|---|---|---|
| Tax and business records | As required by applicable law | Federal and state record-keeping rules |
| Records of the deletion request itself | Kept after deletion | Proof we honoured your request, if you ever need it |
| Fraud, abuse and security records | Only as long as needed | Preventing repeat abuse of the service |
| Data under legal hold | Until the matter resolves | Active legal claim or investigation |
7. Processing Timeline
Request Submission
Day 0 - Acknowledgment within 1 business day
Identity Verification
Days 0-2 - Verify your identity
Deletion Approval
Days 1-3 - Request approved, process begins
Account Deactivation
Days 1-7 - Account disabled, 30-day grace period begins
Permanent Deletion
Days 31-60 - Personal data erased from production
Backup Purging
Days 61-90 - Complete erasure from all systems
Expedited Timeline (No Grace Period):
Available upon request - 7-14 days to complete erasure. Warning: No ability to reactivate.
8. Irreversibility Warning
Once the grace period ends, deletion cannot be undone
Your account cannot be restored - we have no tool to bring it back after the grace period closes
No reactivation - you would need to create a new account from scratch
No refunds - subscription fees already paid are non-refundable
One honest caveat about backups. We delete your data from our live systems, but encrypted disaster-recovery backups roll off on their own schedule and can retain a copy for up to 90 days. Those backups are not searchable and are never used to serve your account again — they simply expire. Any page telling you no backup copy exists at all would be wrong.
9. Third-Party Data
Data held by third parties is governed by their policies:
| Provider | Our Action | Their Policy |
|---|---|---|
| Plaid | End the connection and ask Plaid to delete the associated data | Governed by Plaid's own privacy policy, which you can also act on directly |
| Apple / Google | Nothing — you must cancel the subscription yourself | They keep their own purchase records; we cannot delete those or cancel your subscription for you |
| Resend | Remove you from the sending list used for Ovr email | Delivery logs age out on Resend's own schedule |
10. Alternatives to Full Deletion
Temporary Deactivation
- Temporarily disable account
- Data retained but not accessible
- Can reactivate later
- Contact: support@ovrfinance.io
Delete only part of it
- Disconnect a linked financial account
- Cancel your subscription via the App Store or Google Play
- Ask us to delete specific records and keep the account
Reduce Data Collection
- Opt-out of analytics
- Opt-out of marketing
- Limit app permissions
Unsubscribe from Emails Only
- Click "Unsubscribe" in any email
- Only transactional emails continue
- Your data remains intact
11. Security and Compliance
Encrypted in transit
Your request travels over an encrypted connection
Checked before we act
You may be asked to reauthenticate first
We keep the receipt
A record that your request was honoured
What we promise about deletion
We honor deletion requests from anyone who asks, regardless of where they live. California residents have a specific statutory right to this under CCPA §1798.105, and we treat that as the floor rather than the ceiling.
Ovr has not completed a SOC 2 examination, is not ISO 27001 certified, and does not claim to be. Where we must keep limited records after deletion, the reasons are listed above rather than left vague. Our Security page says the same thing in more detail.
12. Response Times and Escalation
Ovr will launch in the United States, so these are the deadlines that apply to us. We aim to act on every deletion request well inside them.
California (CCPA/CPRA)
- Response within 45 days
- May extend 45 more days if we tell you why
- We will not degrade your service for asking
Virginia, Colorado, Connecticut, Utah
- Response within 45 days
- Appeal process available
- You may contact your state Attorney General
Everywhere else
- Same process, same 45-day target
- No residency proof required
- We are not established in the EU, UK, or Canada, so we do not claim GDPR or PIPEDA status
13. Contact Information
Account Deletion Requests
Email: privacy@ovrfinance.io
Subject:"Delete My Ovr Finance Account"
Response: acknowledgment within 1 business day
If you write to support@ovrfinance.io instead, we will pass it on rather than make you resend it.
Mailing Address
JRM Creative Ventures LLCAttn: Account Deletion / Privacy Officer
111 Town Square Pl Ste 1238 PMB 877216
Jersey City, NJ 07310-1810