Account Lifecycle

Overview

Your Urgent2K account goes through a clear lifecycle — from the moment you register to the point where you may choose to leave the platform. This guide explains every state your account can be in, who can trigger each transition, and what it means for your data, support plans, wallet activity, and trust history.

Account States

Active → Deactivated → Pending Deletion → Deleted

Also possible from Active: Admin Suspended ↔ Active (reinstated)

Reversible: Deactivated → Active (reactivate on login) Pending Deletion → Active (cancel within 30 days)

State	Triggered by	Reversible?	Access to platform
Active	Registration or reactivation	—	Full access
Deactivated	User (self-service)	Yes — reactivate on login	Login only → reactivate screen
Pending Deletion	User (from deactivated screen)	Yes — cancel within 30 days	Login only → cancel screen
Deleted	Automated (30 days after request)	No — permanent	None
Admin Suspended	Urgent2K admin	Yes — admin reinstates	Login only → suspended screen

Active Account

Your account is Active from the moment you complete email verification. An Active account has full access to every feature on the platform — Get Support, Give Support, Community+, Circles, Susu, Funds, Wallet, and trust history.

✅

Marketplace access

Browse and apply for support offers

✅

Create support offers

Set terms and give support to members requesting support

✅

Circles & Susu

Join or create trusted private Circles

✅

Funds

Create or back community-supported Funds

✅

Community+

Post requests, react, and make offers

✅

Wallet

Deposit, withdraw, and transact freely

Deactivation

Deactivation is a user-initiated, reversible pause. Think of it as going dormant — your data is preserved exactly as-is, you just won't appear on the platform until you come back.

How to deactivate

Go to Profile → Danger Zone → Deactivate Account. You'll be asked to confirm and an OTP will be sent to your email. Once verified, your account deactivates and you're logged out immediately.

What happens when you deactivate

😴

Profile hidden

Your profile is no longer visible to other users on the platform.

⏸️

Support offers paused

Any open support offers you have are paused and removed from the marketplace. They are restored automatically when you reactivate.

✅

Active support plans continue

Any active support plans already in progress continue normally on both sides. Supporters can still collect repayments. You still owe what you owe.

🔒

Data intact

Everything — support plans, transactions, Community+ posts, Susu records, Funds, trust history — is preserved exactly as it was.

📧

Email confirmation

You receive an email confirming the deactivation, with instructions on how to reactivate.

Debt blockers — when you can't deactivate

To protect other users, deactivation is blocked if you have any unresolved financial obligations:

Blocker	Why	How to resolve
Active or overdue support plan (as request supporter)	You owe money to a give supporter.	Repay the outstanding balance.
Defaulted support plan (as request supporter)	You have an unresolved default.	Settle the defaulted balance with your give supporter.
Active support plan (as give supporter)	A request supporter owes you money — you need to be reachable.	Wait until all support plans you funded are repaid or completed.
Active Susu cycle	Your group is counting on your contributions.	Complete the current Susu cycle.
Live Fund (as owner)	Backers' money is in your Fund.	Collect or cancel your Fund first.
Outstanding Fund returns (as backer)	A request supporter still owes you returns.	Wait until all returns are paid out.

How to reactivate

Simply log in with your existing credentials. You'll land on a deactivation screen with a single Reactivate My Account button. One click — your account is immediately restored, support offers are re-opened, and everything picks up exactly where you left off.

No time limit. Deactivated accounts are never automatically deleted. You can stay deactivated indefinitely and reactivate at any time.

Account Deletion

Deletion is permanent and irreversible after a 30-day grace window. It requires deactivation first — this two-step design is intentional to prevent accidental deletion.

The two-step process

1

Deactivate first

Go to Profile → Danger Zone → Deactivate. Your account goes dormant. This is reversible.

2

Request deletion

After deactivating, log back in. On the deactivation screen you'll see a "Delete My Account" option. Request deletion from there. An OTP is required to confirm.

3

30-day grace period

Your account is marked "Pending Deletion." You can cancel any time within 30 days by logging in again and cancelling. Your wallet must be zero to proceed.

4

Permanent deletion

After 30 days, the deletion runs automatically. Your name is anonymised to "Deleted User" across all records. You cannot reverse this.

Additional blockers for deletion

Everything that blocks deactivation also blocks deletion, plus:

Additional blocker	Why	How to resolve
Wallet balance > ₦0	Funds would be lost permanently.	Withdraw your full balance to a bank account first.
Open support offers with held funds	Escrow funds belong to you — they must be released.	Close all open support offers to release held funds back to your wallet, then withdraw.

What happens to your data after deletion

👤

Name anonymised

Your name is replaced with "Deleted User" on all records — posts, comments, support plan history, transaction logs.

📊

Financial records retained

Wallet transactions, support plan records, and repayment history are kept for legal and audit purposes in line with our Privacy Policy (§7 — Data Retention). This is required by Nigerian financial regulations.

💬

Community posts kept

Your community posts remain visible (as "Deleted User") since other users may have relied on or responded to them.

🔑

Login credentials destroyed

Email, password hash, phone number, NIN hash, and all PII are permanently deleted. The account cannot be recovered.

⚠️ Download your data first. Once deletion completes, you cannot retrieve any of your records. Export your data (JSON or PDF) from your profile before requesting deletion — see the Data Download section below.

Download Your Data

Under the Nigeria Data Protection Regulation (NDPR), Section 6 — Right to Data Portability — you can request a complete export of all data Urgent2K holds about you at any time. No waiting, no support tickets. Instant download from your profile.

What's included

👤

Profile

Name, email, phone, address, employment, trust score, KYC status, scores, badges

💸

Support Plans (both sides)

Full history as request supporter and give supporter — amounts, rates, repayment status, dates

💳

Wallet transactions

Every credit and debit — deposits, withdrawals, support plan disbursements, repayments, holds

💬

Community activity

All posts you created and comments you left

🔄

Susu memberships

Cycle membership history, contribution records, payouts

🎯

Fund activity

Funds you created and Funds you backed, with return breakdowns

Formats available

Format	Best for	What it is
JSON	Developers, data portability to other systems	Raw machine-readable export. All fields, nested objects, exact values. Suitable for importing to other tools.
PDF	Personal records, legal documentation, printing	Formatted human-readable report. Organised by section. Suitable as a personal record or for presenting to a third party.

Redaction policy

Third-party sensitive data is redacted in both formats to protect other users' privacy:

Field	In export	Reason
Your own NIN	*** (redacted)	Highly sensitive identity document — not needed for portability
Your own BVN	*** (redacted)	Banking identity — protected under CBN regulations
Other users' phone numbers	***	Third-party personal data — NDPR §5
Other users' NIN / BVN	***	Third-party sensitive data
Other users' names	Shown (e.g. "Adaeze Okonkwo")	Non-sensitive, part of your own transaction record
Your own name, email, phone	Shown in full	This is your own data

Security note. Every download is logged with your user ID, timestamp, and IP address for audit purposes. Downloads require OTP verification to prevent unauthorised export of your data.

Identity Verification (OTP)

Sensitive account actions require a one-time code (OTP) sent to your registered email address. This is Urgent2K's second-factor verification — ensuring that even if someone has your password, they can't take irreversible actions without access to your inbox.

Action	OTP required?	Why
Deactivate account	Yes	Irreversible short-term — causes service disruption
Request account deletion	Yes	Permanent after 30 days — highest-risk action
Download data (JSON or PDF)	Yes	Sensitive personal data export — prevents unauthorised access
Change email address	Yes (sent to new email)	Prevents account takeover via email change
Reactivate account	No	You just logged in — that's sufficient verification
Cancel deletion	No	Restorative action — no risk

OTP details

6 digits

Numeric code sent to your email

10 minutes

Code expires after 10 minutes

5 attempts

Too many wrong attempts locks the code — request a new one

Admin Suspension

Suspension is different from deactivation — it is initiated by Urgent2K administrators, not by you. It is used when an account violates platform terms of service, is under investigation, or requires immediate restriction.

Aspect	Deactivation (self)	Suspension (admin)
Who triggers it	You	Urgent2K admin
Reason given	None required	Always provided — shown on suspension screen
Who can lift it	You (reactivate on login)	Urgent2K admin only
Active support plans	Continue normally	Continue normally
Notification	Email confirmation	Email with suspension reason
OTP required	Yes	No (admin action)

If you believe a suspension is in error, contact Urgent2K support via WhatsApp at the number on urgent2k.io. Include your email address and the reason you believe the suspension should be reviewed. Suspensions are reviewed within 2 business days.

Data Retention

Urgent2K retains certain data after account deletion as required by Nigerian law and financial regulations. This is disclosed in our Privacy Policy §7.

Data type	Retained after deletion?	Retention period	Legal basis
Financial transaction records	Yes	7 years	CBN AML/CFT regulations, FIRS requirements
Support Plan records	Yes	7 years	Credit reporting obligations
KYC documents	Yes	5 years	CBN Know Your Customer guidelines
Community posts & comments	Yes (anonymised)	Indefinite	Platform integrity — other users relied on them
Profile PII (name, email, phone, NIN)	No	Deleted immediately	NDPR right to erasure
Login credentials	No	Deleted immediately	NDPR right to erasure

Frequently Asked Questions

Yes — within the 30-day grace window. Log back in, go to the deactivation screen, and click "Cancel Deletion." Your account is immediately restored to Active.

They are paused — removed from the marketplace but not deleted. When you reactivate, they are automatically restored to open status.

No. Deactivation is a required first step. This two-step design prevents accidental permanent deletion.

No. Active support plans continue normally regardless of your account state. Repayment schedules are unaffected.

Yes. You can log in while deactivated to reactivate, at which point you can download your data from your profile. You can also download before deactivating.

Instantly — it's generated on-the-fly from live data. The PDF may take a few seconds for large datasets. No waiting, no email.

The download is served over HTTPS (TLS). The files themselves are not password-protected — store them securely after downloading.

Deactivation is blocked while you're an active member of a running Susu cycle. Wait until the cycle completes, or ask the Circle runner to remove you from the cycle.

All Docs