3.1 Keep cardholder data storage to a minimum by implementing data retention and disposal policies, procedures and processes that include at least the following for all cardholder data (CHD) storage:
• Limiting data storage amount and retention time to that which is required for legal, regulatory, and business requirements
• Processes for secure deletion of data when no longer needed
• Specific retention requirements for cardholder data
• A quarterly process for identifying and securely deleting stored cardholder data that exceeds defined retention.