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Delete your Coffer account

You can permanently close your Coffer account from inside the app at any time. This page explains how to do it, what has to be settled first, and exactly what happens to your data afterwards.

Last updated: August 22, 2026

1. Before you start

Closing your account is permanent. There is no grace period, no recovery window, and no way for our team to restore a closed account, its history or its balances.

We will never move your money for you as part of closing an account, so anything you still hold has to be settled first. Your account cannot be closed while any of the following is true:

  • Your naira or USDT wallet still holds a balance, including funds still being processed.
  • You have an active Self-Lock or Goal-Lock.
  • You are still an active member of a Cabal.
  • You hold an active investment.
  • A transaction is still being processed.

In plain English

Withdraw your balances and close or leave anything still running. The app will tell you exactly what is outstanding when you reach the delete screen.

2. Open the Danger Zone

In the Coffer app, tap More in the bottom navigation bar to open your profile.

Scroll to the bottom of the list and tap Danger Zone, described as "Close your account permanently".

3. Read the policy and confirm

The screen that opens explains what closing your account does and what we are required to keep. If anything is still outstanding, it is listed at the top and the confirmation is disabled until you have dealt with it.

Read it, tick the box confirming you understand that closing your account is permanent, then tap Delete my account.

4. Verify it is you

Enter your account password, then tap Send code. We will email a six-digit confirmation code to the address on your account.

Enter that code and tap Permanently delete account. Your account is closed immediately and you are signed out on every device.

In plain English

We ask for both a password and an emailed code so that a lost or stolen phone alone cannot be used to destroy your account.

5. If you can no longer use the app

You do not need to reinstall Coffer to close your account. If you have removed the app, lost your device, or cannot sign in, email us and we will handle the request for you.

Write to support@coffer.africa from the email address registered to your Coffer account, with the subject "Account deletion request".

We will verify your identity before acting on the request — closing an account is irreversible, so we confirm it is genuinely you first. Requests are actioned within 30 days, and the same conditions in step 1 apply: any remaining balance must be paid out to you before the account can be closed.

6. What is deleted

When your account closes, the following is erased from our systems:

  • Your profile, name, email address, phone number and date of birth.
  • Your next-of-kin details.
  • Your saved payment methods, bank accounts and card details.
  • Your registered devices and active sessions.
  • Your notification and marketing preferences.
  • Your profile photo.
  • Your Coffer ID, which is released.

7. What we are required to keep, and for how long

Nigerian anti-money-laundering and counter-terrorist-financing law requires financial services to retain identity verification (KYC) records for at least five years after a customer relationship ends. We cannot delete these earlier, even at your request, and we do not keep them for longer than that period.

For five years from the day your account closes, we retain:

  • The identity details you provided and the verification level your account reached.
  • The identity documents you uploaded and the decisions our compliance team made on them.
  • Records of transactions that moved through your account, with your name removed so they are no longer linked to you.

In plain English

These records are encrypted, held separately from the app, and every time a member of our staff opens one it is recorded. After five years, all of it — including the identity documents — is permanently and automatically destroyed.

8. Signing up again

You are welcome to open a new Coffer account with the same email address at any time.

It will be an entirely new account. It carries none of your previous balances, savings, investments, transaction history or verification status, and you will need to verify your identity again.

9. Questions

If you are unsure about closing your account, or want to know what we hold about you before you decide, contact us first.

Get in touch

  • Support: support@coffer.africa
  • Privacy and data requests: privacy@coffer.africa