DELETE ACCOUNT POLICY
Last Updated: 01-04-2025
1. Introduction
This Delete Account Policy explains how users of GRD PAYMENTS can request deletion of their account and how account-related information may be handled after a deletion request.
Users may request account deletion subject to account verification, pending transactions, wallet balance, open complaints, fraud-prevention requirements, and applicable legal or regulatory obligations.
2. How to Request Account Deletion
To request deletion of your GRD PAYMENTS account, contact us through the official support channels.
Email: cc.grdpayments@gmail.com
Support Number: 91 98439 98122
For email requests, use the subject:
"Account Deletion Request"
Please include:
Username / User ID
Registered Mobile Number
Registered Email Address, if available
Account Holder / Retailer Name
Reason for account deletion, if you wish to provide one
Any other information reasonably required to verify account ownership
For security reasons, GRD PAYMENTS may request additional verification before processing the deletion request.
3. Account Ownership Verification
GRD PAYMENTS will take reasonable steps to verify that the person requesting deletion is the legitimate account holder.
Verification may include:
Registered Mobile Number
Username / User ID
Registered Email Address
Account information
OTP or other verification method, where applicable
Other information reasonably necessary to verify ownership
GRD PAYMENTS may refuse or delay an account deletion request if account ownership cannot be reasonably verified.
4. Wallet Balance Before Account Deletion
Users should check their GRD PAYMENTS wallet/account balance before requesting deletion.
If any wallet balance remains, account deletion may be subject to:
Pending transaction status
Wallet terms
Applicable settlement process
Verification requirements
Legal or regulatory requirements
Deleting an account does not automatically transfer or refund the available wallet balance to a bank account.
Users are advised to resolve any eligible wallet-related matters before requesting final account deletion.
5. Pending Transactions & Complaints
If an account has unresolved matters, including:
Pending Mobile Recharge
Pending DTH Recharge
Pending Bill Payments
Pending Refunds / Reversals
Open Complaints
Transaction disputes
Fraud or security investigations
Other unresolved financial matters
GRD PAYMENTS may complete or appropriately resolve such matters before processing final account deletion where reasonably necessary.
Recharge-related complaints submitted with complete and valid proof may require up to seven (7) working days for verification and processing.
Users are advised to resolve pending transaction issues before requesting account deletion.
6. What Happens After Account Deletion
After an eligible account deletion request is verified and processed:
Access to the GRD PAYMENTS account will be discontinued.
The user may no longer be able to log in using the deleted account.
User-accessible profile information may be deleted or deactivated, subject to applicable requirements.
User-accessible account settings may no longer be available.
User-accessible recharge and transaction history may no longer be available through the deleted account.
Access to Services through the deleted account will end.
Account deletion may be irreversible after final processing.
If a user wishes to use GRD PAYMENTS again, a new account may need to be created and may be subject to registration and verification requirements.
7. Recharge Transaction History – Two Calendar Months
GRD PAYMENTS maintains user-accessible recharge transaction history in the App/system for only the latest two (2) calendar months.
Users who require transaction records for accounting, customer support, or future reference should save, download, export, screenshot, or otherwise maintain those records before deleting their account.
After account deletion, users should not expect access to previous user-accessible recharge transaction history.
Certain transaction or account records may still be retained separately where required or permitted for legal, regulatory, accounting, taxation, security, fraud-prevention, audit, dispute-resolution, or compliance purposes.
8. Data Deletion & Retention
Account deletion does not necessarily mean that every item of information will be erased immediately.
After a verified deletion request is processed, personal information that is no longer reasonably required may be deleted, anonymized, deactivated, or otherwise handled according to applicable requirements.
Certain information may need to be retained for purposes including:
Legal compliance
Regulatory requirements
Accounting and financial records
Tax requirements
Fraud prevention
Security investigations
Transaction disputes
Chargebacks
Refund / Reversal records
Audit requirements
Enforcement of legal rights
Responding to lawful requests from competent authorities
Such information will be retained only for the period reasonably necessary or as required or permitted by applicable law.
9. Backup & System Logs
Certain information may temporarily remain in:
even after information has been removed from active user-facing systems.
Backup or log information may be retained according to applicable backup cycles, security requirements, technical limitations, and legal obligations.
Such information is not intended to remain available for ordinary user access after account deletion.
10. Information That May Be Retained
Depending on applicable legal, regulatory, security, and financial requirements, GRD PAYMENTS may retain certain records including:
Transaction IDs
Financial transaction records
Recharge records
DTH transaction records
Bill-payment records
Refund / Reversal records
Complaint records
Fraud and security records
Accounting records
Audit logs
Records required by competent authorities
Account deletion does not override mandatory legal, regulatory, accounting, financial, security, or fraud-prevention retention requirements.
11. Wrong Recharge / Bill Payment Transactions
Account deletion does not create a right to refund transactions already successfully processed.
This includes transactions completed using:
Such transactions remain subject to the applicable GRD PAYMENTS Terms and Conditions and Refund Policy.
12. Third-Party Service Providers
GRD PAYMENTS may use third-party:
Deleting a GRD PAYMENTS account does not necessarily result in immediate deletion of data independently retained by third-party providers.
Third-party providers may retain information according to their own legal obligations, privacy policies, financial record requirements, and applicable laws.
13. Consequences of Account Deletion
Before requesting deletion, users should understand that:
Account access will be discontinued after final deletion.
Previous login credentials may no longer work.
User-accessible transaction history may no longer be available.
Account settings and eligible profile information may be deleted or deactivated.
Pending matters may need to be resolved before final deletion.
Deleted accounts may not be recoverable.
A new registration may be required to use GRD PAYMENTS again.
Users are advised to save all important records before requesting deletion.
14. Fraudulent or Unauthorized Deletion Requests
GRD PAYMENTS may refuse, delay, or request additional verification for an account deletion request where there is reasonable suspicion of:
Identity fraud
Unauthorized account access
Account takeover
Fraudulent transactions
Active transaction disputes
Pending security investigations
Legal or regulatory restrictions
Other security concerns
These measures are intended to protect account holders and the GRD PAYMENTS platform.
15. Processing of Account Deletion Requests
Account deletion requests will be reviewed after successful account-ownership verification.
Processing time may vary depending on:
GRD PAYMENTS will process eligible deletion requests within a reasonable period after the applicable verification and pending requirements have been completed.
16. Changes to This Policy
GRD PAYMENTS may update this Delete Account Policy from time to time due to changes in:
Any updated policy may be published through the GRD PAYMENTS website or application with an updated "Last Updated" date.
17. Contact Us
For account deletion requests or questions regarding this policy:
GRD PAYMENTS
Tamil Nadu, India
Email: cc.grdpayments@gmail.com
Support Number: 91 98439 98122
Website: https://www.grdpayments.com
Important Notice
Before requesting account deletion, users are advised to:
Save any required transaction records.
Resolve pending recharge or bill-payment issues.
Resolve eligible wallet-related matters.
Complete any pending refund or reversal process.
User-accessible recharge transaction history is maintained for only the latest two (2) calendar months.
Account deletion does not automatically cancel successful transactions or make them eligible for refund.