Calculate a policy-based disposal eligibility date for KYC verification records by adding a chosen retention period to a triggering date, then applying any legal-hold extension. The tool also shows time remaining and a review-start date so teams can schedule defensible disposition work. Retention rules differ by record type, contract, regulator, and jurisdiction; enter a period approved for the specific record class.
Calendar years are added while preserving the month and day where possible; February 29 resolves to February 28 in a non-leap target year.
The eligibility date is the earliest modeled date at which the KYC verification record may enter disposition review under the entered schedule and hold extension. It is not an automatic deletion instruction.
Confirm the trigger event, record classification, applicable jurisdiction, active investigations, contractual terms, and hold status before destroying any record.
A trigger date of January 15, 2026 plus 5 calendar years produces a base date of January 15, 2031. With no hold extension and a 30-day review lead, disposition review should begin on December 16, 2030.
Use the trigger defined by the approved record schedule, which may be closure, last activity, account termination, or another event.
No. It applies the period you enter; counsel or records governance should determine the applicable requirement.
If the target year is not a leap year, the base date is set to February 28.
Only if a defensible release date is known. Otherwise treat the result as provisional and do not dispose of the record.
No. It marks modeled eligibility for controlled review, subject to holds, approvals, and other obligations.
| Variable | Meaning |
|---|---|
| Trigger date | Policy event that starts the clock |
| Retention years | Approved calendar-year period |
| Hold extension | Additional days after the base date |
| Lead time | Days reserved for pre-disposition review |