Thank you for using VemoraLoan. We are committed to protecting your privacy and handling your personal information in a lawful, transparent, and secure manner. This Privacy Policy explains how information is collected, used, stored, and deleted when you access or use the VemoraLoan mobile application.
By installing or using VemoraLoan, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with any part of this policy, please discontinue use of the application.
VemoraLoan collects only the information necessary to provide compliant digital loan-related services, conduct risk assessment, and meet applicable regulatory requirements. All data collection is based on user authorization and limited to specific purposes.
With your permission, VemoraLoan may access financial-related SMS messages on your device, such as messages related to salary credits, loan repayments, transaction alerts, or EMI notifications.
Only messages from the recent six-month period are accessed
Personal, social, or non-financial messages are not accessed
SMS data is used solely for financial assessment and risk evaluation
Data is securely transmitted to https://api.pulsecashapp.net
SMS data is not actively shared with third parties
All collected SMS data is deleted immediately after evaluation
VemoraLoan may collect a list of installed applications on your device, including application package names and categories.
This data helps identify financial or lending-related applications
No app usage behavior, content, or personal activity is collected
Installed app data is not sold or actively shared
Data is securely uploaded to https://api.pulsecashapp.net
All information is deleted after analysis is completed
Calendar access may be requested to assist with repayment reminders and due date management.
Calendar data is used only for loan-related scheduling purposes
No unrelated calendar entries are reviewed
Data is securely transmitted to https://api.pulsecashapp.net
Calendar data is not proactively shared
All calendar data is deleted after processing
You may revoke calendar permission at any time through your device settings.
Camera access may be required for identity verification (KYC) purposes, such as capturing identification documents or selfies.
Images are used only for verification
No images are stored permanently
Images are securely uploaded to https://api.pulsecashapp.net
Camera data is not actively shared
All images are deleted immediately after verification
We may collect limited device-related information, such as device model, operating system version, IMEI, and advertising identifiers.
This data is used for fraud prevention and system compatibility
Device information is not used for advertising
Data is securely transmitted to https://api.pulsecashapp.net
Device data is not actively shared
All device information is deleted after use
VemoraLoan may collect basic personal information provided by you, including:
Full name
Contact number
Address
Occupation and income details
This information is used only for eligibility assessment and compliance.
Personal data is securely uploaded to https://api.pulsecashapp.net
Information is not proactively shared
Data is deleted after its intended purpose is fulfilled
Approximate location data may be used to support eligibility checks, fraud detection, and compliance requirements.
Precise GPS tracking is not performed
Location data is optional and can be disabled
Data is securely transmitted to https://api.pulsecashapp.net
Location information is not actively shared
Data is deleted after processing
VemoraLoan may access limited call log information only for OTP verification purposes.
Access is restricted to detecting OTP-related voice calls
Call content and unrelated call records are not accessed
Data is securely transmitted to https://api.pulsecashapp.net
Call log data is not actively shared
All related data is deleted after verification
We may collect non-sensitive operational behavior data, such as interaction flow, page visits, and feature usage.
Data is used to improve system performance and stability
No personal communications are collected
Data is securely processed at https://api.pulsecashapp.net
Operational data is not sold or shared for marketing
Data is deleted after analysis
Collected information is used strictly for legitimate purposes, including:
Identity verification and KYC compliance
Credit eligibility and risk assessment
Fraud prevention and system security
Loan servicing and repayment management
Regulatory and legal compliance
Customer support and technical troubleshooting
VemoraLoan does not use user data for advertising or unrelated purposes.
We implement appropriate technical and organizational safeguards, including:
Encrypted data transmission and storage
Restricted system access controls
Secure servers and monitoring
Automatic deletion mechanisms after processing
VemoraLoan does not sell or commercially share personal data.
Data may be disclosed only when necessary:
To authorized lending or verification partners
To technical service providers under strict confidentiality
To regulatory authorities as required by law
All data sharing, where applicable, is encrypted and purpose-limited.
VemoraLoan is intended for users aged 20 years and above.
If data related to a minor is identified, it will be deleted promptly upon verification.
You have the right to:
Access or correct your personal information
Revoke permissions through device settings
Request deletion of your data and account
Data deletion requests may be submitted through the app or by contacting support. Requests are processed after identity verification.
Your data is retained only for:
Completion of service-related processes
Legal and regulatory obligations
Fraud prevention and compliance
Once these purposes are fulfilled, data is permanently deleted from all systems.
This Privacy Policy may be updated to reflect regulatory or service changes. Updates will be made available within the app. Continued use indicates acceptance of the revised policy.
For privacy-related questions or data requests, please contact:
Email: mail@timbafin.com