English to Russian Tech/Engineering IT (Information Technology)

Ниже приведено требование (Requirement) стандарта безопасности данных индустрии платежных карт и пояснение (Guidance) к нему.

Requirement

Keep cardholder data storage to a minimum. Develop a data retention and disposal policy. Limit storage amount and retention time to that which is required for business, legal, and/or regulatory purposes, as documented in the data retention policy.

Guidance

Extended storage of cardholder data that exceeds business need creates an unnecessary risk. The only cardholder data that may be stored is the primary account number or PAN (rendered unreadable), expiration date, name, and service code. Remember, if you don't need it, don't store it!

Здесь cardholder data - данные платежных карт.

Помогите, пожалуйста, перевести всё следующее предложение:

Extended storage of cardholder data that exceeds business need creates an unnecessary risk.