Data Retention Policy
This page explains how long EMI Guard keeps each category of personal information, and when it is deleted or anonymized. It supplements the Privacy Policy.
Retention periods
| Category | Retained for |
|---|---|
| Active EMI sale records (customer details, consent record, EMI schedule, payment history, any live photograph) | For as long as the sale is active, and 3 year(s) after it is fully paid off or closed |
| Retailer account and business information | For as long as the retailer account remains active, and 3 year(s) after closure |
| Security and audit logs (device restriction/unlock events, login activity) | Up to 12 months, or longer where needed for an active dispute or legal requirement |
| Contact-form and support messages | Until the query is resolved, and up to 12 months afterward |
| Consent records | Kept alongside the related sale record for the same period, to evidence that consent was obtained |
Deletion and anonymization
After the applicable period above, a record is deleted or anonymized unless a longer period is required by applicable law (for example, an unresolved dispute, audit or legal proceeding).
Requesting earlier deletion
A customer or retailer may request correction or deletion of their information before the standard retention period ends, through the Grievance Redressal Policy process. This will be honoured except where a record must be kept to meet a legal, accounting or dispute-related obligation, in which case the reason will be explained.
The figures above are EMI Guard's own configured defaults (editable from the website's admin settings) and should be confirmed against your own accounting and legal record-keeping requirements.
Last updated: 12 November 2026.