Legal

Delete your account

Deleting your account removes everything — on our servers and on your phone — immediately and permanently. Two ways to do it.

Effective 21 September 2026 · Last updated 21 September 2026

1. Delete from the app (fastest)

  1. Open WealthMonk and go to Profile (your avatar, top right of Home).
  2. Scroll to Account and tap Delete Account.
  3. Read the confirmation and tap Delete Everything.

The app deletes your data on the server first, then wipes its local storage, then signs you out. This takes a few seconds and needs an internet connection. There is no waiting period and no “undo”.

2. Delete without the app

Lost the phone, uninstalled the app, or can’t sign in? Ask us and we will do it for you.

Email a deletion request

Or write to privacy@wealthmonk.co.in with the subject Delete my WealthMonk account and the mobile number the account is registered to. To make sure the request is yours, we will confirm it by sending a code to that number, or by calling it, before deleting anything. We complete verified requests within 7 days and confirm by email when done.

3. What is deleted

Everything associated with your account, in one operation:

  • your profile — name, photo, income, budget and savings settings, preferences;
  • every account, card, asset and liability;
  • every transaction, including those captured from SMS, and every note and receipt;
  • every budget, category, goal, bill, recurring rule and payment record;
  • the SMS fingerprints used to prevent duplicate imports;
  • any merchant rules you taught the app;
  • your login itself — the mobile number is no longer associated with any account;
  • on the phone: the encrypted local database, cached data and the encryption key.

Deletion is a hard delete from the live database. Residual copies in our hosting provider’s routine backups are overwritten in their normal cycle, typically within 30 days, and are never restored to a live system except to recover from a disaster affecting all users.

4. What is not deleted

  • Emails you sent to support, which we keep for as long as needed to resolve the matter and for a reasonable period afterwards.
  • Anonymous parser-gap shapes you chose to send from SMS Diagnostics. They were never linked to your account and cannot be traced back to you.
  • Your SMS. They were never ours. They stay in your phone’s inbox exactly as they were; WealthMonk never modifies or deletes messages.

5. Deleting some data, not all

  • Individual transactions, accounts, goals, bills and assets can be deleted in the app. A deleted SMS transaction stays deleted on future syncs.
  • Stop automatic capture without deleting anything: Android Settings → Apps → WealthMonk → Permissions → SMS → Don’t allow. Existing transactions stay; new ones are entered by hand.
  • Sign out (Profile → Sign Out) removes the session from the phone but keeps your account for when you return.

Questions about any of this: privacy@wealthmonk.co.in. The Privacy Policy describes retention and your rights in full.