Privacy Policy
Effective Date: 23.11.2025
VianovumDK ApS ("we," "us," or "our") operates the mobile application "Vianovum: Loans & Credits" (the "App"). We are committed to protecting your privacy and ensuring you understand how we collect, use, and share your personal information.
By downloading, accessing, or using our App, you agree to the collection and use of information in accordance with this Privacy Policy.
1. Information We Collect
We collect information to match you with potential lenders and financial service providers. This includes:
- Personal Identity Information: Name, address, email address, phone number, date of birth, and social security number (SSN).
- Financial Information: Employment status, income details, housing status, and loan amount requested.
- Technical Data: IP address, device type, operating system, and unique device identifiers.
2. How We Use Your Information
We use your data to:
- Facilitate the loan matching process by sharing your inquiry with our network of Lending Partners.
- Verify your identity and eligibility for financial products.
- Communicate with you regarding your application or our services.
- Comply with applicable legal and regulatory requirements.
3. Sharing Your Information
We are a loan aggregator, not a direct lender. To provide our service, we must share your information with third parties:
- Lending Partners: We share your loan request data with the banks and financial institutions listed in Section 8 below to verify if they can offer you a loan.
- Service Providers: We may use third-party vendors for data hosting, analytics, and marketing assistance.
- Legal Requirements: We may disclose your information if required by law or in response to valid requests by public authorities.
4. International Data Transfers
We are a company registered in Denmark. Information we collect may be transferred to, stored, and processed in Denmark, the United States, or any other country where we or our affiliates maintain facilities. By using the App, you consent to this transfer.
5. Security
We utilize industry-standard encryption (SSL/TLS) and security protocols to protect your personal and financial information. However, no method of transmission over the internet is 100% secure.
6. Children's Privacy
Our App is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.
7. Your Rights & Contact Us
Depending on your location, you may have rights regarding the access, correction, or deletion of your personal data.
Company Name: VianovumDK ApS
Registration: CVR 41927070
Address: Grønnevej 247, sal 113, 2830 Virum, Denmark
Email: contact@vianovumdk.com
8. Participating Lenders & Disclosures
We share your information with the following Lending Partners. Please review their specific terms and rates:
| Lender | Website | APR | Term | Phone |
|---|---|---|---|---|
| (1) Citibank, National Association | www.citi.com | 11.49% – 20.49% | 12 – 60 months | +1-800-685-0935 |
| (2) SoFi Bank, National Association | www.sofi.com | 8.99% – 25.81% | 24 – 84 months | +1-855-456-7634 |
| (3) Wells Fargo Bank, National Association | www.wellsfargo.com | 7.49% – 24.49% | 12 – 84 months | +1-877-526-6332 |
| (4) Upstart Network, Inc. | www.upstart.com | 7.80% – 35.99% | 36 – 60 months | +1-855-438-8778 |
| (5) Avant, LLC | www.avant.com | 9.95% – 35.95% | 24 – 60 months | +1-800-712-5407 |
| (6) Upgrade, Inc. | www.upgrade.com | 9.99% – 35.99% | 24 – 84 months | +1-844-319-3909 |
| (7) LendingPoint, LLC | www.lendingpoint.com | 7.99% – 35.99% | 24 – 60 months | +1-888-969-0959 |