Delete My Account

Learn how to permanently delete your Ovr Finance account and understand what happens to your data.

Effective Date

January 2025

30-Day Process

Secure Verification

Permanent Deletion

1. Your Right to Delete

You have the right to request permanent deletion of your Ovr Finance account and associated personal data at any time.

This right is protected by:

GDPR Article 17 - Right to Erasure (EU/EEA)
UK GDPR Article 17 - Right to Erasure (United Kingdom)
CCPA §1798.105 - Right to Delete (California)
CPRA - California Privacy Rights Act
Virginia VCDPA - Right to Delete
Colorado CPA - Right to Delete
Connecticut CTDPA - Right to Delete
Utah UCPA - Right to Delete
FTC Safeguards Rule - Secure Data Disposal

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

Automatic Cancellations:

Active subscriptions will be cancelled (no refunds for unused time)
Scheduled payments will be cancelled
Bank account connections will be disconnected
Third-party integrations will be removed

Recommended Actions Before Deletion:

Export Your Data

Email privacy@ovrfinance.io with subject "Data Export Request" (CSV, JSON, PDF formats available)

Cancel Subscriptions

Settings > Billing > Cancel Subscription

Disconnect Bank Accounts

Settings > Connected Accounts > Disconnect

Save Important Information

Download reports or screenshots you need

2.2 What Happens to Pending Purchases and Charges

Active Autopay Transactions:

Autopay transactions scheduled within next 3 business days will process
Transactions beyond 3 days will be cancelled
No refunds for cancelled future transactions if you pre-purchased

Recent Add-On Purchases:

AI recalibrations purchased but not used within 24 hours: No refund
Autopay unlimited monthly subscription: No refund for unused time

Pending Overage Charges:

Outstanding overage charges will be collected before account closure
You cannot delete account with unpaid charges

Subscription Refunds:

No refunds for unused subscription time (per our Terms Section 6)
Monthly subscriptions: Continue until end of current period
Annual subscriptions: No prorated refunds

3. How to Submit a Deletion Request

Method 1: In-App Deletion (Fastest)

Mobile App (iOS/Android):

Open Ovr Finance app
Go to Settings > Account > Privacy & Security
Tap "Delete My Account"
Enter password to confirm
Tap "Permanently Delete"

Web App:

Log in to www.ovrfinance.io
Navigate to Settings > Account Settings
Click "Delete My Account"
Re-enter password for security
Click "Confirm Deletion"

Method 2: Email Request

Email: support@ovrfinance.io
Subject Line: "Delete My Account"

Required Information:

1. Full name (as registered on account)
2. Email address associated with account
3. Clear statement: "I request permanent deletion of my Ovr Finance account and all associated data."

Response Time: We acknowledge all requests within 1 business day.

IMPORTANT: Active Autopay Transactions

If you have pending autopay transactions scheduled:

Transactions scheduled within next 7 days will still process
You will receive final confirmation emails
After 7 days, all future autopay is permanently cancelled
You must manually pay your credit cards after account deletion

4. Identity Verification

To protect your privacy and prevent unauthorized deletion, we must verify that you are the legitimate account holder.

In-App Deletion:

Password re-entry required
Session verified
Device recognized (if MFA enabled)

Email Deletion:

Email from registered account
May ask security questions
2FA code (if enabled)

Verification Timeline:

In-app: Instant (password verification)
Email: 1-2 business days (manual review)
Enhanced: 3-5 business days (additional checks)

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:

Cannot be linked back to you
Used for statistical analysis only
Compliant with GDPR Article 17(3)(e)

6. Data Retention and Exceptions

30-Day Grace Period Timeline:

Days 0-7:Account deactivated, login disabled, grace period begins

Days 8-30:Data flagged but still recoverable (can cancel deletion)

Days 31-60:Personal data erased from production databases

Days 61-90:Data removed from encrypted backups - complete erasure

Legal Retention Exceptions:

Record Type	Retention	Legal Basis
Financial Records	7 Years	IRS 26 U.S.C. §6001
Payment Authorizations	2 Years	NACHA Operating Rules
Fraud Prevention	Up to 7 Years	Legal compliance
Legal Holds	Until resolved	Active litigation

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

CRITICAL WARNING: DELETION IS PERMANENT AND IRREVERSIBLE

All data is gone forever - Cannot be recovered

No backups exist - Even we cannot restore your account

No reactivation possible - Must create new account from scratch

No refunds - Subscription fees are non-refundable

9. Third-Party Data

Data held by third parties is governed by their policies:

Provider	Our Action	Their Policy
Plaid	Disconnect immediately	30-90 days deletion
Stripe	Delete payment tokens	7 years (legal requirement)
Apple	Request cancellation	Per Apple policy
Google	Request deletion	Per Google policy
Firebase	Delete auth data	Within 180 days

10. Alternatives to Full Deletion

Temporary Deactivation

Temporarily disable account
Data retained but not accessible
Can reactivate later
Contact: support@ovrfinance.io

Selective Data Deletion

Disconnect specific integrations
Delete payment methods
Clear transaction history
Keep account active

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

AES-256 Encryption

All data encrypted during deletion

MFA Required

Multi-factor authentication for deletion

Audit Logging

Complete audit trail maintained

Our deletion process complies with:

GDPR Article 17

CCPA §1798.105

FTC Safeguards

ISO 27001

12. Legal Rights by Jurisdiction

EU/EEA (GDPR)

Response within 30 days
May extend 60 days for complex cases
Right to lodge complaint with supervisory authority

California (CCPA/CPRA)

Response within 45 days
May extend 45 more days
Non-discrimination guaranteed

Virginia, Colorado, Connecticut, Utah

Response within 45 days
Appeal process available
Contact state Attorney General

Canada (PIPEDA)

Right to request deletion
Complaint: Privacy Commissioner of Canada

13. Contact Information

Account Deletion Requests

Email: support@ovrfinance.io

Subject: "Delete My Account"

Response: 1 business day acknowledgment

Privacy Rights Requests

Email: privacy@ovrfinance.io

Response: 30 days (45 days for CCPA)

Mailing Address

JRM Creative Ventures LLC
Attn: Account Deletion / Privacy Officer
111 Town Square Pl Ste 1238 PMB 877216
Jersey City, NJ 073