Diversified Universal LLC — Universal Framework
Universal Data Retention and Deletion Framework
The organization-wide retention structure covering retention principles, deletion requests, legal holds, and secure disposal.
- Effective date
- August 31, 2026
- Last updated
- August 31, 2026
- Structural reference
- Diversified Payday Data Retention Policy
1.Scope
This policy applies to information processed through the public websites, products, and services offered by Diversified Universal LLC and its companies, including customer-support systems, subscription operations, and related administrative systems. It should be read together with the applicable Privacy Policy, Terms and Conditions, and any customer agreement governing a particular offering. Where a specific company or offering maintains its own retention documentation, that documentation supplements and, where more specific, controls over the general principles described here.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
2.Retention Principles
We retain information only for periods reasonably necessary to provide and support our offerings, maintain financial and accounting records, comply with legal and contractual obligations, resolve disputes, enforce agreements, protect security, prevent fraud and abuse, maintain audit trails, and support legitimate business operations.
Retention periods vary by record type, jurisdiction, customer status, the applicable company or offering, and operational purpose. A single retention period does not apply to every record across every offering. The documentation for a particular company or offering states the specific periods that apply to it.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
3.Active Accounts
While an account remains active, we may retain information reasonably needed to provide and support the applicable offering, including account and profile records, authorized-user records, transaction and usage histories, records, documents, certifications, audit activity, billing records, support communications, and security records.
You may be unable to delete information that is required for recordkeeping, audit integrity, tax compliance, fraud prevention, system security, or other legal obligations. Specific categories of account information retained for a given offering are described in that offering's supplemental documentation.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
4.Cancelled Accounts and Read-Only Access
Following cancellation, eligible customers may retain authenticated read-only access to historical records for a period stated in the applicable company or offering documentation, with a conservative default range of several years where records support ongoing compliance or audit needs.
During read-only status, new transaction processing may be disabled, historical records may remain viewable where supported, available records may be downloaded or exported, and account authentication remains required. Read-only access is subject to legal requirements, technical feasibility, platform availability, security requirements, identity and account verification, legal holds, enforcement actions, record integrity, and other legitimate operational limitations. You should independently preserve records you are legally required to maintain.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
5.Trial Accounts
This section also applies to accounts on a no-charge plan, where offered. No-charge accounts are retained on the same basis as trial accounts, and records created on a no-charge plan remain subject to the retention periods otherwise applicable to that record type.
Trial-account information may be retained after a trial ends to allow account recovery, support a later subscription, prevent fraud and repeated trial abuse, maintain consent and agreement records, resolve support or billing issues, and comply with legal obligations. Unless a longer period is required or justified, inactive trial data may be scheduled for deletion after at least 90 days. We are not required to preserve unused trial data permanently.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
6.Billing and Business Records
Invoices, payment records, credits, refunds, account status, contracts, and related financial records may be retained for accounting, tax, audit, fraud-prevention, dispute, and legal purposes, typically for the period required by applicable recordkeeping and tax law.
Payment-card information is generally processed by the applicable payment provider used for a given offering. We may retain provider tokens, status information, and transaction references rather than complete card numbers. Specific billing-record retention periods for a given offering are described in that offering's supplemental documentation.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
7.Website, Analytics, and Advertising Information
Public website information may be retained according to the settings and requirements of the applicable analytics, advertising, security, and hosting providers used for a particular website, product, or service. Cookie and privacy choices may be retained for the period stated in the applicable Cookie Policy.
Where an offering restricts advertising technologies on authenticated platform routes, that restriction is described in the offering's supplemental documentation. Absent a more specific statement, analytics and advertising information is retained only for the period reasonably necessary to support the purposes for which it was collected.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
8.Security, Audit, and Diagnostic Records
Authentication events, access logs, permission changes, security alerts, error records, audit trails, and diagnostic information may be retained for periods reasonably necessary to maintain security, investigate incidents, detect fraud, troubleshoot problems, document instructions, enforce agreements, and comply with law.
Retention periods for these records may vary according to system purpose, risk, storage limitations, and investigative needs, and may differ across companies and offerings depending on their technical environments.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
9.Support and Communications
Support requests, emails, notices, chat records, call notes, consent records, and related communications may be retained to resolve requests, maintain service history, train authorized personnel, document instructions, enforce agreements, defend legal claims, improve support, and comply with law.
Text-message consent and opt-out records, where applicable to a particular offering, may be retained as necessary to document compliance with messaging requirements.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
10.Backups
Information may remain in encrypted or access-controlled backups after deletion from active systems. Backup copies are protected from ordinary use and are overwritten, expired, or deleted according to the applicable backup cycle and operational requirements for the relevant company or offering. Restored backup data remains subject to applicable deletion and access restrictions.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
11.Deletion Requests
Customers and individuals may request deletion of information where applicable. A request may be denied, limited, or delayed when retention is reasonably necessary to comply with law, maintain business or financial records, complete a transaction, provide requested services, protect security, detect fraud, exercise or defend legal claims, enforce agreements, maintain audit integrity, honor a legal hold, preserve records controlled by another party, or protect the rights of others.
Where information is controlled by a business customer or another party rather than by us directly, you should generally direct deletion requests concerning that information to the party that controls it.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
12.Account Closure Is Not Immediate Deletion
Cancelling a subscription, disabling a user, placing an account into an inactive status, or closing an account does not automatically delete historical information. These actions may change access rights and available functionality while retention continues under this policy and the documentation applicable to the specific company or offering.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
13.Legal Holds
Normal deletion schedules may be suspended when information is relevant to litigation, an investigation, a subpoena, a government inquiry, an audit, a security incident, a contract dispute, or an anticipated legal claim. Information subject to a legal hold will be retained until the hold is released and any additional applicable retention period is satisfied.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
14.Secure Disposal
When information is eligible for deletion, we use disposal methods appropriate to the system, provider, record type, and available technology. Methods may include logical deletion, access revocation, provider deletion functions, expiration under lifecycle rules, deletion from active databases, deletion or expiration of stored files, cryptographic erasure where supported, overwriting through provider-managed storage processes, and backup expiration. No single disposal method applies universally to every system across every company or offering.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
15.De-Identified Information
We may retain aggregated or de-identified information that cannot reasonably be linked to a customer or identifiable individual. Such information may be retained for analytics, security, research, product improvement, benchmarking, and other business operations, without regard to the retention periods otherwise applicable to identifiable information.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
16.Changes to This Policy
We may revise this policy to reflect changes in law, our offerings, technology, retention practices, or business requirements. The effective date, last-updated date, or version history for this document will be updated when changes are published.
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
17.Contact Information
Questions or requests regarding this policy may be directed to:
Diversified Universal LLC
United States
Email: CustomerService@DiversifiedUniversal.com
[Company-Specific Data Retention Supplement]
[Offering-Specific Data Retention Supplement]
Revision History
| Version | Date | Summary |
|---|---|---|
| 1.0 | August 31, 2026 | Initial publication of the Universal Data Retention and Deletion Framework. |