A few records cannot be deleted with the rest. Each one below is kept for a specific reason, for a specific length of time.

Payment, invoice, commission and tax records — at least 7 years. Tax and accounting law requires us to keep them. They stay attached to an anonymised account record, not to your name.
A minimal identity record — 90 days, or up to 540 days after your last payment. We keep your email address, username, display name, phone number and account creation date in a separate archive, so that we can answer a chargeback or a payment dispute. If you never made a payment, it is deleted 90 days after your account is deleted. If you did, it is deleted 540 days after your last payment, or 90 days after deletion, whichever is later. The clock runs from your last payment rather than from the day you delete, so deleting long after your last payment does not extend it.
Consent records — kept, and stripped down. The record that you accepted our Terms and Privacy Policy, which version you accepted and when, is kept as proof of consent for as long as we may need it. At deletion we remove the IP address and device details from it.
Moderation and safety records — kept. If you filed or received a report, the report itself stays as safety history, but the free-text description is cleared.
The outcome of identity verification — kept. That verification was completed, and when, with no name, document or provider reference attached. This is anti-money-laundering diligence we are required to be able to show.

540 days is the outer limit card networks allow for a chargeback on a delayed-delivery purchase, which is the only reason that archive record exists.

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