1.
You click "Delete account". Your account is locked the same second — nobody can log in, including you. We send you a restore link by email.
2.
For 30 days you can change your mind: click the restore link, your account is back as if nothing happened. After 30 days, the restore link expires.
3.
On day 31, your encryption key is deleted. Every receipt, invoice, bank transaction, OCR output, 2FA secret and email-integration token tied to your account becomes mathematically unreadable — for us, for our backups, forever. Your email address is anonymised so no one can connect old records to you.
4.
What stays: a small audit trail ("user X deleted account on date Y") for legally required retention periods. The trail contains no financial content — only timestamped action records. We're required to keep this by tax law. After the retention period (see card below) it's removed automatically.