I agree with VG--if your contract says nothing about storing files for the client, you're not required to do so.
On the other hand, if you're not comfortable handing the client all files and all access once you've finished work. . .and there are many freelancers who believe that doing this encourages a client to tweak the site himself or to hire Cousin Goofball, thereby ruining your reputation...then you really have an obligation to hang on to the files forever, or at least until the site is taken down on purpose.
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