Delete your KharchaOS account
You sign in to KharchaOS with your Singnet account — the same account used across all Singnet apps. So you have two choices. You do not need to reinstall or sign in to the app to make either request.
Keeps your Singnet account active for other apps; deletes your KharchaOS data. Email support@mail.singnet.in from your registered email address (or mentioning your registered mobile number) with the subject “Delete my KharchaOS data”. We verify your identity with a one-time passcode before we proceed.
Deletes your identity and personal data across all Singnet apps. Use the Delete your Singnet account page.
What Option 1 deletes
Once verified, we delete or irreversibly anonymise:
- Your transactions — expenses, income, transfers, categories, notes and budgets;
- Your payment sources and the balances you entered;
- The people you added, including any names, emails and phone numbers you stored for them;
- Your loans, repayment history and any pending or declined confirmation requests;
- Your friend links, your invite code, and your membership of any group, along with the groups you own;
- Your activity history within the app.
Your Singnet login (name, email, phone, password) is kept so you can keep using other Singnet apps. To remove that too, use Option 2.
What happens to records you share with other people
KharchaOS records loans and group expenses on both sides. Deleting your account removes your copy, but the other person's own records stay theirs and are not deleted — a loan they confirmed, or a group expense they entered, remains in their app. Where an entry is shared, we remove your personal details from it and keep only the amounts the other person needs for their own balances to add up.
If money is still open between you and someone else, settle it before deleting — once your account is gone we cannot restore the record for either of you.
What may be retained, and why
- Records we are required to keep for legal, tax, or accounting purposes, for the period required by law;
- Minimal records needed to confirm the deletion itself;
- Security and abuse-prevention logs, for their normal retention period.
Timing
We action verified requests within 30 days. Data in encrypted backups is purged within the backup retention window (up to 30 days), after which it cannot be restored.
Questions
See our KharchaOS Privacy Notice and the company Privacy Policy, or email support@mail.singnet.in.