Your spending history is some of the most personal data you have. You should be able to take it with you, or make it disappear, without writing to anyone.
Account → Your data → Export my data downloads a single file with every expense, income, category, box, recurring rule and chat message Blipko holds for you. Sign-in credentials are never part of it.
Delete account on the same card erases you completely: every expense, message and raw log, along with the account itself. There is no grace period and no "we keep a copy" — once you confirm, it's gone. Export first if you want a record.
Ask the bot which fund or stock to buy and it will now say plainly that it isn't a registered adviser. It can still tell you exactly what you've saved; for investment advice it points you to a SEBI-registered investment adviser.