Referral Data Policy

When you register as a referrer, we collect:

• Full name, email address, phone number, and country
• Optional: WhatsApp number and preferred contact method
• Agreement acceptance timestamp and IP address
• Device fingerprint (stored as an irreversible SHA-256 hash only)

When you submit a referral, we collect:

• Referred person's name, phone, email, city, and state
• Service category and urgency preference
• Your confirmation of the referred person's consent

• To operate and manage the referral program
• To contact referred persons for financial consultations
• To track referral progress and qualify referrals
• To detect and prevent fraud and abuse
• To comply with legal and regulatory requirements

We retain referral and referrer data indefinitely for audit integrity and compliance purposes. Referrer accounts that are deactivated are marked as inactive but are not permanently deleted. Referral records are soft-deleted (hidden from your view) but retained internally for audit purposes. This ensures a complete and tamper-proof record of all program activity.

We do not permanently delete records. If you request account deactivation, your account will be marked as inactive and you will no longer be able to submit referrals or access the dashboard. However, your records and associated referral history are retained in our system for legal and compliance purposes. You may request a copy of your data at any time.

You may request:

• A full export of your referral data (JSON format)
• Correction of inaccurate personal information
• Deactivation of your referrer account

To make a request, email us at: info@gstfinancialservices.com