Gusto keeps your personal information — including payroll, tax, and employment records — for as long as it determines is necessary for business and legal purposes, which may be many years.
Renamed from 'Data Retention After Account Closure' to 'Data Retention'; previous version had no excerpt, current version adds general retention policy framework without specific mention of post-closure retention.
View full change record →Former employees and ex-customers may find their SSNs, bank account details, and payroll records retained by Gusto for years after their employment ends, creating ongoing data breach exposure.
Cross-platform context
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Compare across platforms →Payroll and tax data may be retained by Gusto for 7+ years due to IRS and labor law requirements, meaning your SSN and financial data remains in Gusto's systems long after you stop using the service.
(1) REGULATORY FRAMEWORK: IRS regulations require payroll records retention for a minimum of 4 years (Treas. Reg. §31.6001-1); FLSA requires 3 years for payroll records (29 C.F.R. §516.5); state wage laws may require longer retention. CPRA §1798.105 grants deletion rights subject to legal retention obligation exceptions. GLBA Safeguards Rule requires data security commensurate with retention duration. (2)
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