Privacy Policy
This privacy policy applies to the Viva Finance - Finances manager app (Bundle ID: com.loanviva.app) (hereby referred to as "Application") for mobile devices that was created by gulakveronika30 (hereby referred to as "Service Provider") as a Free service. This service is intended for use "AS IS".
Information Collection and Use
The Application collects information when you download and use it. This information may include:
Your device's Internet Protocol address (e.g., IP address);
The pages of the Application that you visit, the time and date of your visit, the time spent on those pages;
The time spent on the Application;
The operating system you use on your mobile device.
The Application does not gather precise information about the location of your mobile device.
The Service Provider may use the information you provided to contact you from time to time to provide you with important information, required notices, and marketing promotions.
For a better experience, while using the Application, the Service Provider may require you to provide certain personally identifiable information, including but not limited to: Email, Name, Surname, Phone number, Cookies, Usage data, Country, ZIP code, City. The information that the Service Provider requests will be retained by them and used as described in this privacy policy.
Third Party Access
Only aggregated, anonymized data is periodically transmitted to external services to aid the Service Provider in improving the Application and their service. The Service Provider may share your information with third parties as described in this privacy statement.
The Application utilizes third-party services that have their own Privacy Policy:
The Service Provider may disclose User Provided and Automatically Collected Information:
As required by law (e.g., subpoena);
To protect safety, rights, or investigate fraud;
With trusted service providers who adhere to this privacy policy.
Opt-Out Rights
You can stop all data collection by uninstalling the Application via standard methods available on your mobile device or app store.
Data Retention Policy
The Service Provider will retain User Provided data for as long as you use the Application. To delete your data, contact them at elvinafajzieva@gmail.com, and they will respond promptly.
Children
The Application does not target or collect data from children under 13. If personal information from a child under 13 is discovered, it will be deleted immediately. Parents/guardians can contact elvinafajzieva@gmail.com for assistance.
Security
The Service Provider implements physical, electronic, and procedural safeguards to protect your information.
Changes
This Privacy Policy may be updated periodically. Continued use of the Application after changes constitutes acceptance of the updated terms.
Effective Date
This privacy policy is effective as of 2024-09-26.
Your Consent
By using the Application, you consent to the processing of your information as described herein.
Contact Us
For questions about privacy practices, contact the Service Provider via email: elvinafajzieva@gmail.com.
Financial Terms
Minimum annual interest rate (min APR): 0% per year;
Maximum annual interest rate (max APR): 35% per annum;
Minimum period: 91 days;
Maximum period: 4380 days.
Example Loan Calculation:
Amount: 25,000 rubles;
Duration: 3 months;
Interest rate: 12%;
Total repayment: 25,501.65 rubles.
Disclaimer
This application does not issue loans and is not a financial institution. It aggregates licensed lenders and MFIs registered with state authorities.