How to delete your Choco Up account

About deleting your Choco Up account

Choco Up is a prominent global revenue-based financing platform that leverages real-time data to provide growth capital to e-commerce merchants and digital businesses. By connecting to platforms like Shopify, Amazon, and Stripe, Choco Up analyzes transaction volumes and operational metrics to offer non-dilutive funding. Because the service is deeply integrated with your business infrastructure, closing your account is a significant decision that involves severing these data pipelines.

Users often choose to delete their Choco Up account when they have finished a repayment cycle, transitioned to traditional bank lending, or wish to minimize the number of third-party services with access to their live revenue data. Deleting your account ensures that the automated API connections used to monitor your business performance are permanently disabled.

Reasons to consider deletion:

• Discontinuation of your e-commerce store or digital service.
• Concern over the scope of real-time transactional data shared via API.
• Completion of all funding obligations and a desire to minimize third-party digital footprint.

What happens to your data

When you request account deletion at Choco Up, the company is required to process your request in accordance with their privacy policy and applicable regional financial regulations. While Choco Up will aim to scrub your personal user profile and business access credentials, they are often legally obligated to retain specific financial records for tax and auditing purposes.

Types of data collected by Choco Up:

• Direct API-linked transactional data from sales platforms (Shopify, Amazon, Stripe).
• Business bank account statement history for credit risk analysis.
• Personal identity documentation provided during the onboarding process.
• Website traffic and marketing performance analytics.

Upon deletion, your direct access to the Choco Up dashboard will be revoked. However, please note that any data archived for regulatory compliance, such as transaction history regarding previous funding tranches, may remain in their secure databases for the duration required by law.

Privacy considerations

Using a revenue-based financing platform like Choco Up requires granting high-level access to sensitive business data. The primary privacy risk involves the persistence of data connections; even after you stop using the service, some residual cache or integration tokens might technically exist unless the account is formally closed.

Key privacy tips:

• Revoke OAuth access: Before contacting support, check your connected stores (e.g., your Shopify admin) to manually remove Choco Up’s app permissions.
• Request data deletion confirmation: Always ask for written confirmation that your data has been purged from their CRM systems.
• Check your business email: Ensure no marketing communications or newsletters remain active after account closure.

Frequently Asked Questions

Does deleting my account impact my credit history?

No, deleting your Choco Up account does not directly impact your credit score, as revenue-based financing is primarily based on sales performance rather than personal credit inquiries.

Can I reactivate my account later?

If you delete your account, you will likely need to re-apply and re-connect your business platforms, as Choco Up typically purges account-specific data and historical integration tokens.

Will Choco Up keep my bank details?

Choco Up may retain transaction records for auditing purposes, but your primary banking credentials should be removed from active access once your account is formally deleted.

Is it possible to delete my account while a funding round is active?

Usually, Choco Up will require you to settle all outstanding balances or follow specific contractual exit protocols before they will process an account deletion request.

How long does the deletion process take?

While identity verification happens quickly via email, the full removal from their internal databases may take several business days depending on their compliance queue.

What happens to my business store integrations?

Once you initiate the deletion, the API links between your sales platforms and Choco Up are terminated, meaning Choco Up can no longer pull real-time data from your store.