MyXCapital is the personal finance app made by Xtra-Dev (Wyxloop Corp), on the web at xtra-dev.com/capital and
as the MyXCapital app for Android. This page explains the two things you can do: ask us to
delete your whole account and workspace, or
delete specific data yourself while keeping your account. It also says exactly
what is deleted, what we are required to keep, and for how long.
Write from the email address on your account. We confirm by email and complete the deletion within 30 days.
App: MyXCapitalDeveloper: Xtra-Dev (Wyxloop Corp)Contact: contact@xtra-dev.comCompleted within 30 days
Option 1 · Delete the whole account
Request deletion of your MyXCapital account and workspace
This removes your MyXCapital user and, if you own the workspace, the workspace itself with everything in it.
The request is handled by Xtra-Dev (Wyxloop Corp), the developer of MyXCapital and the controller of your data.
It is done by email rather than with a button so that nobody can wipe a shared workspace by accident or from a
stolen session: we always confirm with the email address on the account first.
Email contact@xtra-dev.com from the address on your account
Use the subject “Delete my MyXCapital account”. The button below opens your mail app with the subject and a short template already filled in. Tell us whether you own the workspace or were invited to someone else’s, and whether you want a copy of your data first (you have the right to get one; see section 10 of the Privacy Policy).
We confirm it is you
We reply to the same address to confirm the request and may ask you to confirm your identity before anything is deleted. If you were invited to a workspace you do not own, only your own user is removed; the owner’s workspace and its data are not affected.
We delete your data within 30 days and confirm in writing
Deletion is completed within 30 days of your request, as stated in section 7.8 of our Privacy Policy and in our Data Retention and Disposal Policy. Bank connections are removed at Plaid or SimpleFIN at the same time, synchronization stops, and you receive a written confirmation when everything is done.
If your mail app does not open, write to contact@xtra-dev.com with the subject “Delete my MyXCapital account” from the email address you use to sign in to MyXCapital.
What is deleted
Your user: email, name, role, password hash, two-factor settings and recovery codes, trusted devices and sessions.
Your workspace, if you own it: accounts, transactions and import history, balances and daily net-worth snapshots, categories and budgets, auto-categorization rules, bills and subscriptions, debts and payoff plans, savings goals, properties, alerts and alert history.
Financial data and bank connections: everything received from your banks through Plaid or SimpleFIN. The connection is removed at the aggregator, the encrypted access tokens are cleared and synchronization stops.
Invoicing data: invoice drafts, your invoice template and business details, and your client list.
Assistant data: conversations, the notes the assistant saved about you and its permission settings.
Notifications: push-notification device tokens and your notification preferences.
What is kept, and for how long
Billing, invoices, receipts and tax recordstypically 5 to 7 years Kept as required by tax law, then disposed of. This covers the invoices for your MyXCapital subscription and the record of invoices you issued and payments you collected through MyXCapital (amounts, dates, parties and payment references), never their drafts.
Security and audit event log180 days Sign-ins, two-factor events, administrative actions and sync events, removed by the nightly retention job. It never contains financial data.
Application and access logsat most 12 months Rotated by the hosting platform; no financial data, no secrets.
Encrypted database backups30 days A deleted record leaves every backup within 30 days as they rotate. Backups are never restored except to recover from a failure, and the deletion is re-applied if that ever happens.
Data under a legal hold or a tax or accounting obligation is kept for as long as that obligation lasts, then disposed of.
Nothing else is kept. MyXCapital data is never sold, never shared for marketing, never used for advertising and never used to train AI models. The full schedule is in the Data Retention and Disposal Policy.
Option 2 · Delete specific data
Delete specific MyXCapital data and keep your account
You can remove most of your data yourself, in the MyXCapital web app or the Android app (the app shows the same
screens). Each action below is an immediate hard delete in the production database run by Xtra-Dev (Wyxloop Corp);
the deleted records leave our encrypted backups within 30 days as they rotate. Everything you do not delete stays
in your account, and the billing records listed above are kept either way.
An account and all its transactions
Deletes the account together with every transaction and import batch in it. You confirm by typing the account’s name; it cannot be undone. Works for manual accounts and for accounts that came from a bank connection.
WhereAccounts → open the account → Delete this account and all its transactions
Individual transactions
Delete one transaction, or select several and delete them together. They are removed from balances and reports immediately.
WhereTransactions → the trash icon on a transaction, or select several → Delete
A bank connection
Disconnecting removes the connection at Plaid (or revokes your SimpleFIN access), clears the encrypted tokens and stops synchronization. Data already imported stays until you delete the account it belongs to.
WhereAccounts → Connected banks → Disconnect
Invoices, drafts and clients
Draft invoices can be deleted. A sent invoice is a billing record, so it cannot be deleted, but it can be voided; it is then kept for the tax period above. Clients without invoices can be deleted from your client list.
WhereInvoices → open the invoice → Delete (drafts) or Void; Clients → Delete
Invited users
The owner of a workspace can remove anyone they invited. That person can no longer sign in to the workspace. Their own user record is deleted on request, as in option 1.
WhereUsers → Remove access
The AI assistant
Switch off each permission the assistant has to change your data (categorize, rules, categories and budgets, bills, weekly review) and make it forget any note it saved about you. Conversation history is deleted with your account, or on request by email.
WhereAssistant → Assistant settings → switches, and Forget next to a saved note
Push notifications (Android app)
Turning push notifications off deletes the device token from our servers. The token is also deleted automatically when the push provider reports it as expired, for example after you uninstall the app.
WhereSettings → Notifications → Push notifications, or your phone’s notification settings for MyXCapital
What is deleted
Exactly the records you remove: immediately from the live database, and from the encrypted backups within 30 days as they rotate.
Disconnecting a bank also removes the connection at Plaid or SimpleFIN and clears the tokens that allowed us to read from it.
What is kept
Your MyXCapital user and everything in your workspace that you did not delete, for as long as your account is active.
The billing, invoice and tax records and the logs described in option 1, for the periods stated there (typically 5 to 7 years for tax records, 180 days for the security log, at most 12 months for application logs).
Prefer not to do it yourself, or need something removed that has no button? Write to contact@xtra-dev.com from the email address on your account, tell us what to delete, and we do it within 30 days and confirm in writing.
Common questions
Before you send the email
I was invited to someone else’s workspace. How do I leave?
Ask the workspace owner to remove you (Users → Remove access), or email us and we remove your user. The workspace’s financial data belongs to its owner and is not affected by your request.
Can I get a copy of my data before it is deleted?
Yes. Ask for it in the same email. You have the right to access and port your personal data; we answer within 30 days and may ask you to confirm your identity first (Privacy Policy, section 10).
What happens to the data Plaid or SimpleFIN hold?
When a connection is removed, the aggregator is informed so it stops retrieving data on our behalf, and we no longer hold the tokens to read from it. Plaid’s own handling of your data is described in the Plaid End User Privacy Policy.
Email us from the address on your account with the subject “Delete my MyXCapital account”. We confirm it is you and complete the deletion within 30 days.
