Smartie Merchant Account Deletion

This page explains how Smartie Merchant users can request deletion of their account and associated data. It also explains which records Smartie must retain for financial, anti-money laundering (AML), fraud prevention, tax, dispute, and regulatory compliance purposes.

How to request account deletion

You can request deletion of your Smartie Merchant account by:

• Opening the Smartie Merchant app and going to Account -> Account settings -> Close account.
• Emailing support@smartie.com with the subject line "Smartie Merchant account deletion".

If you request deletion by email, you must send the request from the email address registered to your Smartie Merchant account so we can verify account ownership.

Security notice

Smartie will never ask you to send your password, PIN, one-time password (OTP), card details, or other secret login credentials by email or support message as part of an account deletion request.

Data deleted or disabled

When your deletion request is approved, Smartie will close or disable your merchant account access and delete or de-identify account data that is no longer required. This may include:

• Merchant account profile details and app preferences.
• Login credentials, active sessions, and authentication tokens.
• Storefront, staff access, notification preferences, and support profile data that is not required for retained records.
• Marketing preferences and non-essential communications data.

Data retained for legal and regulatory reasons

Smartie may be required to retain some data even after your account is closed. Retained records are restricted and used only where needed for compliance, audit, accounting, security, fraud prevention, dispute handling, or legal obligations.

• Transaction, payment, refund, chargeback, settlement, invoice, payout, and accounting records: retained for up to 7 years, or longer if required by applicable law or an active dispute, investigation, audit, or legal hold.
• Know Your Customer (KYC), Know Your Business (KYB), identity verification, sanctions screening, risk assessment, and AML records: retained for at least 5 years after the end of the business relationship, or longer if required by applicable law.
• Fraud prevention, security, device, access, and investigation logs linked to financial safety or account abuse: retained for up to 7 years where necessary to protect users, Smartie, merchants, and payment partners.

Processing time

Smartie will acknowledge deletion requests within 5 business days. We aim to complete account closure and deletion of eligible data within 30 days after verifying the request. Some retained records may remain for the periods described above where required for financial, AML, fraud prevention, tax, dispute, audit, or legal compliance.