This Privacy Policy is designed to explain how Nebula Cash (hereinafter referred to as "we") collects, uses, processes, and protects your personal information when you use this application and its related services.
To provide you with services and enhance your user experience, we will collect necessary data and information, provided that we have obtained your prior explicit consent. The methods by which we collect, use, store, share, and protect such information are fully outlined in this Policy.
By registering for or using this application, you acknowledge that you have read, understood, and agreed to the contents of this Policy, and you authorize us to process your relevant information in accordance with this Policy.
1. Information Collection Based on Permissions
We request access only to the information required to verify your identity, assess your creditworthiness, and ensure the secure operation of the application.
1.1 Personal Identity Information
We collect data such as your name, gender, date of birth, address, and telephone number. We may also request that you provide your PAN card or Aadhaar card details for identity verification purposes. This data is used for account setup, fraud prevention, and compliance checks. The data is encrypted and transmitted exclusively to https://forapi.nebulac.xyz. Once a loan has been successfully disbursed, and in accordance with the requirements of the Reserve Bank of India (RBI), your personal information and transaction records will be retained for a minimum of seven years to facilitate RBI's Anti-Money Laundering (AML) investigations and regulatory audits.
1.2 SMS Data
This application accesses only those SMS messages received within the past 180 days that are related to financial activities—specifically, bank deposits/withdrawals, salary credits, repayment confirmations, and overdue reminders. This data is used to analyze your income and expenditure patterns, thereby assisting us in conducting credit assessments and enabling us to offer you higher credit limits and faster approval speeds. We strictly do not read any of your personal messages. This data is stored on our secure servers (https://forapi.nebulac.xyz) for the purpose of conducting these assessments. All stored data is protected and retained using application-layer encryption technologies, in accordance with industry best practices and applicable laws.
All SMS data will be automatically and permanently deleted immediately upon completion of the credit assessment, and will not be retained for any other purpose.
1.3 Application List
To accurately assess your credit profile and prevent fraud, we require access to the list of applications installed on your device. We utilize this data to analyze your financial status and determine an appropriate credit limit for you. Please be assured that we collect only the names and categories of the applications. All data is securely transmitted via encrypted connections to protect your privacy.
1.4 Camera Access
We access your camera only when you choose to take photos of your identification documents or a selfie for KYC verification purposes. These images are used solely for identity verification and are deleted once the verification or credit decision process is complete. The images are encrypted, transmitted exclusively to https://forapi.nebulac.xyz, and deleted following the conclusion of the credit assessment.
1.5 Approximate Location Data
To ensure that our services comply with local financial regulations, we require access to your device's approximate location information. This information is used to verify whether your specific jurisdiction supports Nebula Cash services. Additionally, it enables us to calculate localized credit limits. Your location data is transmitted via a secure, encrypted channel. We do not share this information with third parties, and it is immediately and permanently deleted once the eligibility assessment is complete.
1.6 Device Information
This application collects and monitors specific information regarding your device, including the hardware model, operating system and version, and user profile details. The purpose of this is to uniquely identify your device and prevent unauthorized devices from impersonating your identity to conduct transactions, thereby effectively safeguarding against fraudulent activities.
2. Use of Information
Nebula Cash may use the collected information for the following purposes:
- To respond to your various requests regarding our products and services;
- To grant credit limits and ensure the timely repayment of associated funds;
- To periodically assess your creditworthiness to ensure that any credit limits granted to you can be repaid on schedule;
- To tailor and optimize loan products and services specifically for you;
- To analyze and curate specific financial products for you based on your financial transactions, investment activities, and past financial behaviors;
- To maintain and manage your account with us;
- To personalize your user experience;
- To improve our application: we continuously strive to enhance our application's features and services based on the information and feedback we receive from you;
- To improve customer service: your information helps us respond more effectively to your customer service inquiries and support needs.
3. Personal Data Security
We attach great importance to the security of your personal information and implement reasonable technical and administrative measures, including but not limited to:
Encrypted storage and transmission of data
Strict access control mechanisms
Secure server environments
Although we have taken reasonable measures, please understand that the internet environment cannot guarantee absolute security; we will continuously optimize our security mechanisms to protect your information.
4. Your Rights
- Withdrawal of Consent: You have the right to contact us at any time to withdraw your consent to our data processing activities. However, if you currently have any outstanding loans, we are required by applicable laws and regulations to retain your data until such loans have been repaid in full.
- Data Correction: If any information we hold about you is inaccurate or incomplete, you have the right to request that it be corrected.
5. Data Retention
Nebula Cash retains personal information only for the minimum period necessary to:
- Complete identity verification and credit assessment processes
- Comply with applicable legal and regulatory requirements
- Maintain service security, prevent fraud, and ensure operational integrity
Once these purposes have been fulfilled, your data will be securely deleted or anonymized in accordance with applicable laws and industry standards.
6. Policy Updates
This Privacy Policy may be updated periodically; unless otherwise revised, this Policy shall remain in effect. Any changes to this Privacy Policy will be published on this Platform and shall become effective from the date of publication. Users and visitors of this Platform are advised to review this website regularly to stay informed of the latest developments regarding our policies and practices concerning information collection and usage. In the event of a material change to this Privacy Policy—particularly if such a change involves specific personal data—the Company will notify users either via the telephone number you have provided or by posting a public announcement on this Platform. The aforementioned consent and authorization shall remain in full force and effect throughout the duration of any loan agreement signed by the borrower, as well as throughout the duration of any other transactions, dealings, arrangements, or accounts conducted or maintained by the borrower with the Company and/or the lender through the Services and/or this Platform.
7. Contact Us
If you have any questions, comments, or complaints regarding this Privacy Policy or our handling of your personal information, you may contact us via the following channels:
Customer Support Email:
📧 support@nebulacash.net
Response Time:
We typically respond to your requests within 3 to 7 business days of receipt.