Terms of Service
Last Updated:
Please read these Terms of Service ("Terms") carefully before using the "Vianovum: Loans & Credits" mobile application (the "App") operated by VianovumDK ApS ("Company," "we," "us," or "our").
1. Acceptance of Terms
By accessing or using the App, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not use the App.
2. Nature of Service
VianovumDK ApS is not a lender, loan broker, or credit card issuer. We do not make credit decisions, originate loans, or set interest rates.
- Role: We act solely as a lead generator/aggregator, connecting users with third-party lenders ("Lending Partners").
- No Guarantee: Submission of your information does not guarantee that you will be matched with a lender or approved for a loan.
3. Eligibility
You must be at least 18 years old and a legal resident of the United States to use this App. By using the App, you represent and warrant that you meet these requirements.
4. User Information & Accuracy
You agree to provide accurate, current, and complete information during the registration and application process. You acknowledge that we and our Lending Partners rely on this information to determine eligibility. Providing false or misleading information is a violation of these Terms.
5. Consent to Contact
By submitting your information, you expressly consent to be contacted by us and our Lending Partners via telephone, text message (SMS), email, or postal mail, even if your number is listed on a Do-Not-Call registry.
6. Intellectual Property
The App and its original content, features, and functionality are owned by VianovumDK ApS and are protected by international copyright, trademark, and other intellectual property laws.
7. Limitation of Liability
To the fullest extent permitted by law, VianovumDK ApS shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the App or your relationship with any Lending Partner. We are not responsible for the errors, omissions, or actions of any Lending Partner.
8. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Denmark, without regard to its conflict of law provisions. However, mandatory consumer protection laws of the United States may apply to your use of the App where applicable.
9. Contact Information
VianovumDK ApS
Address: Grønnevej 247, sal 113, 2830 Virum, Denmark
Email: contact@vianovumdk.com
Registration: CVR 41927070
10. Partner Disclosure & Representative APRs
The following is a list of our Lending Partners. The specific terms of your loan, including APR and repayment period, will be determined by the lender and may vary based on your creditworthiness.
| 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 |