How long does Moneda keep my data, and what happens if I delete my account?

We retain your personal data for as long as you have an active account, or as long as necessary for the purposes in the Privacy Policy. If you delete your account (or ask us to), we delete or anonymise your data within 30 days of the request, unless a longer retention is legally required or necessary to resolve disputes or enforce agreements.

Certain data must be retained for fixed periods due to legal obligations. For example, KYC identity verification records must be retained by us (or our regulated partners) under anti-money laundering laws for a minimum period, typically five years after the end of our business relationship with you, even if you request account deletion. Data retained for legal reasons stays protected and is not used for any other purpose.

AI features have their own periods: conversations are kept until you delete them or your account (otherwise message content is removed five years after it was sent), temporary chats are deleted from your history within 48 hours, and files you attach in chat are kept for up to 90 days.