Delete your account

1. Sign in to Wellth (the app, or the web app).
2. On the home screen tap Account, then Close your account.
3. Settle anything the screen lists (below). Each item links to the screen that settles it.
4. Read what happens, tap Text me the code, and enter the 6-digit code we send to your sign-in number.

Your account closes at once and you are signed out on every phone. It can't be undone. Want a copy first? Account, then Your data, downloads everything we hold about you.

Closing never leaves your money, or a duty to your circle, behind. You can close once none of these is left:

• Money in your Wellth balance (any currency), on a card, in a pocket, held for round-ups, or in a Scholar account you opened: withdraw it, send it or spend it.
• An open card: close it from its screen. What is on it comes back to your balance.
• An account abroad for your circle: ask us to close it.
• A seat in a circle: give notice to leave and be paid your savings with the committee's two keys. An office (Chair, Secretary, Treasurer) is handed over by election first. An invitation is declined.
• An open loan, an unpaid fine, or a payout waiting for its keys.
• A joint account you hold, or a family account you are a parent on. A child's account stays open until the child turns 18; to close it early, talk to us.
• A payment, withdrawal, bank payout, send, claim link or card order still on its way.

• Your email, @name, saved bank accounts, the phones we send notifications to, your invite link, your next of kin, where you said you are based and your language.
• Your chats with Meg, our assistant.
• The names you gave for your children on school fees.
• Your phone number is removed from the account. Signing in again with it starts a new, empty account.
• Fee credit and WellthPoints end: they are discounts on our fees, never money.

Anti-money-laundering law requires records of money movements and of who was verified to be kept after an account closes: in Uganda at least 10 years (Anti-Money Laundering Act 2013), in Kenya at least 7 years (Proceeds of Crime and Anti-Money Laundering Act 2009). We keep, for that time only:

• Your money records: ledger lines, payments, withdrawals, sends and card transactions.
• Your identity check results (never document images or selfies: we never had them).
• Your phone number, only as a keyed code (a hash) that can't be read back, so our compliance team can answer the authorities.

Your savings circle keeps its books: they are the circle's legal record. In them your name reads “Former member”; notices already sent and minutes already written keep the words they had. Votes were always secret, and stay so.

When the period ends (10 years where you had money or a seat in Uganda or outside Uganda and Kenya, 7 years for Kenya only), a daily job deletes these records and the code.

Support questions you sent us are kept 2 years after they close, for complaints, as for every member.

Write to dev@tallgrasshq.com from any address, with the phone number of the account and what you want: your data, or the account closed. We check it is you before we act, usually by a code to that number or by your identity check, and answer within the time the law sets.

You can also ask a person in the app from Help & support, where it is on.

What we collect, why, who we share it with and your other rights: Privacy policy.