You can permanently delete your PopaDex account at any time. This guide explains the deletion process, what happens to your data, and important considerations before proceeding.

⚠️ Warning: Account deletion is permanent and irreversible. All your data will be permanently deleted after a 30-day grace period.

Before You Delete

Consider Alternatives

Pause instead of delete:

Disconnect bank accounts (stop automatic updates)
Stop using PopaDex without deleting
Keep historical data for future reference
Reactivate anytime

Export your data first:

Download all transactions (CSV)
Save net worth reports (PDF)
Export complete backup (JSON)
See Export Guide

What Gets Deleted

Permanently removed:

All transaction history
Account connections (bank links terminated)
Net worth tracking data
Custom categories and budgets
Settings and preferences
User profile information
All uploaded documents

Timeline:

Day 0: You request deletion
Days 1-30: Grace period (can cancel)
Day 30: Permanent deletion (cannot be undone)

How to Delete Your Account

Step-by-Step Process

Sign in to your PopaDex account
Go to Settings → Account
Scroll to bottom: “Danger Zone”
Click “Delete My Account”
Read warning carefully
Check boxes confirming:
- I understand this is permanent
- I have exported my data (if needed)
- I want to delete connected bank accounts
Enter your password to confirm
Click “Delete Account Permanently”

Confirmation

After requesting deletion:

Email sent to your address
Contains deletion confirmation link
Click link to finalize request
30-day grace period begins

Why email confirmation?
Prevents accidental or unauthorized deletion.

Grace Period (30 Days)

What Happens

Days 1-30:

Account is suspended (cannot log in)
Data is preserved but inaccessible
Bank connections are terminated
Can still cancel deletion

Canceling Deletion

Changed your mind?

Click link in deletion email
Or visit: app.popadex.com/account/restore
Enter your email
Click “Cancel Deletion”
Check email for restore link
Account fully restored with all data

Available: Anytime during 30-day window

After 30 Days

All data permanently deleted
Cannot be recovered
Must create new account to use PopaDex again
Previous data gone forever

E2EE Accounts

Special Considerations

If you have End-to-End Encryption enabled:

Data deletion:

Encrypted data deleted immediately
Recovery key becomes invalid
Even we cannot recover your data

No grace period exception:

Same 30-day window applies
But data is unreadable even during grace period
Cancel deletion restores access (data still encrypted)

Recovery Key

If you delete account:

Recovery key becomes worthless
Cannot be reused
Shred physical copies
Delete from password manager

Bank Connections

What Happens to Linked Banks

Immediate:

Plaid/GoCardless connections terminated
PopaDex can no longer access account data
Banks are notified

Important: PopaDex deletion doesn’t close your actual bank accounts. Only the connection is removed.

Revoking Access

Also revoke from bank side (recommended):

US (Plaid):

Log in to bank website
Settings → Security → Third-Party Access
Find “PopaDex” or “Plaid”
Click “Revoke Access”

EU (GoCardless):

Check with your bank
Manage connected apps
Remove PopaDex authorization

Data Retention

What We Keep (Legally Required)

After deletion, we retain for regulatory compliance:

Financial records: 7 years

Transaction metadata (dates, amounts)
Account types (not balances)
Not identifiable to you

Legal records: 10 years

Terms acceptance logs
Privacy policy versions
Dispute resolution records

Security logs: 1 year

Login attempts (IP addresses)
Security events
Anonymized after 1 year

What We Delete Immediately

Personal information (name, email, DOB)
Financial account details (account numbers, balances)
Transaction descriptions (merchant names, notes)
All user-generated content
Encryption keys (if E2EE)

EU users: Account deletion fulfills your GDPR “right to erasure” (Article 17).

Exceptions (we retain if):

Legal obligation requires it
Regulatory compliance (financial records)
Ongoing legal claims

Anonymized data: May be retained for statistical analysis (cannot identify you).

Subscription Cancellation

If You Have Paid Subscription

Automatic:

Subscription canceled when account deleted
No further charges
Pro-rated refund if within 14 days (EU law)

US Refunds:

No automatic refund
Contact support within 7 days for consideration
Subject to Terms of Service

Refund Process

To request refund:

Email [email protected] before deleting
Include reason and account email
Wait for response (2-3 business days)
Refund processed to original payment method

Eligible:

EU users: 14-day cooling-off period
Technical issues preventing use
Billing errors

Not eligible:

“Changed my mind” after 14 days
Found alternative service
Didn’t use features

Common Deletion Scenarios

Scenario 1: Trying Different Service

Better approach: Don’t delete yet

Keep PopaDex account (free tier)
Try other service
Compare before deciding
Come back anytime

Scenario 2: Privacy Concerns

Alternatives to deletion:

Enable E2EE (we can’t see data)
Disconnect banks (manual entry only)
Export data and delete bank accounts
Read Privacy Policy

Scenario 3: Not Using Anymore

Why not keep?

Free tier costs nothing
Historical data preserved
Might want it later
No ongoing commitment

Scenario 4: Account Compromised

If hacked, DON’T delete:

Contact support immediately
Change password
Review unauthorized access
We’ll help secure account
Delete only if you want to after resolution

After Deletion

Creating New Account

Can I re-register?
Yes, with same email after 30-day deletion completes.

Starting fresh:

New account number
No historical data
Previous data not recoverable
Like a brand new user

Tax Records

Important: If you deleted during tax year, you may need records.

Solution:

Export before deletion
Keep copies for 7 years
Cannot re-obtain after deletion

Alternatives to Full Deletion

Option 1: Disconnect Banks Only

Settings → Connected Accounts
Disconnect each bank
Keep PopaDex account
Manual entry only (or stop using)

Keeps: Historical data, account access Removes: Automatic updates, bank access

Option 2: Downgrade to Free

If cost is the issue:

Cancel Pro subscription
Downgrade to free tier
Keep historical data
Lose Pro features

Keeps: All data, basic features Removes: Premium features only

Option 3: Pause Usage

Simply stop logging in
Don’t delete anything
Data preserved indefinitely
Return anytime

No action required

Troubleshooting Deletion

Q: Can’t find delete button

Settings → Account → Scroll to bottom
Or contact support for direct link

Q: Deletion email not received

Check spam/junk folder
Wait 10 minutes
Request resend from deletion page

Q: Forgot password, can’t delete

Use “Forgot Password” to reset
Then proceed with deletion
Or contact support with ID verification

Q: Deletion taking longer than 30 days

Rare but possible for large accounts
Check spam for completion email
Contact support after 35 days

Q: Want to delete immediately, not 30 days

30-day grace period is mandatory
Protects against accidental deletion
Cannot be bypassed

FAQ

Q: Can I delete my account without logging in?
A: No, you must sign in to verify identity. Reset password if needed.

Q: What if I just want to stop emails?
A: Settings → Notifications → Unsubscribe from all. Don’t need to delete.

Q: Will deleting affect my credit score?
A: No. PopaDex doesn’t report to credit bureaus. Deletion has zero credit impact.

Q: Can family member delete my account?
A: Only with your password. Cannot delete without account access.

Q: What happens if I die?
A: Executor can request deletion with death certificate and proof of executor status. Otherwise, account remains until deleted.

Q: Does deletion remove me from your mailing list?
A: Yes, automatically unsubscribed during deletion.

Q: Can I delete part of my data?
A: No. It’s all or nothing. But you can manually delete individual transactions before deletion.

Q: Will you sell my data before deleting?
A: No. We never sell user data. See Privacy Policy.

Beyond deletion, you have other rights:

Right to Access:

Request copy of your data
See what we store about you
Settings → Privacy → Download My Data

Right to Rectification:

Correct inaccurate data
Update personal information
Settings → Profile

Right to Restriction:

Limit how we process data
Without full deletion
Contact [email protected]

Right to Portability:

Export your data
Standard format (CSV, JSON)
See Export Guide

Right to Object:

Object to data processing
Marketing communications
Settings → Privacy

Contact Support

Before deleting, consider reaching out:

Report bugs instead of leaving
Request features
Explain concerns
We’re here to help

Email: [email protected] Response time: 24-48 hours

Deletion Checklist

Before clicking delete:

Exported all data I need (CSV, JSON, PDF)
Saved exports to multiple locations
Understand deletion is permanent after 30 days
Canceled subscription (if applicable)
Reviewed alternatives (pause, disconnect banks)
No ongoing support issues to resolve
Have tax records if deleted mid-year
Truly want to delete (not just frustration)

Ready to proceed?

→ Settings → Account → Delete My Account

Export Your Data - Save your data first
Privacy Policy - How we handle your data
Terms of Service - Deletion terms

Questions about deletion? Contact [email protected] before proceeding.