Terms

🔒 Viviro – Terms & Conditions & Privacy Policy

Last updated: May 2025

1. Introduction

Viviro operates a loan lead generation platform that allows users to compare financial offers by submitting a single application. This service is operated by Viviro Oy, based in Finland.

By using this website or submitting a loan application through our platform, you agree to these Terms & Conditions, Privacy Policy, and Cookie Policy. If you do not agree, please discontinue use.

2. Our Role

  • Viviro does not provide loans or make credit decisions.
  • We are not a licensed lender or credit broker in any of the countries we operate in.
  • We forward loan applications to third-party partners (e.g., licensed credit brokers or lenders) who make all final decisions.
  • Use of the service is completely free for consumers.
  • Viviro may receive a referral commission from its partners if a user proceeds with a loan offer.

3. User Eligibility

  • You must be at least 18 years old to use this service.
  • You confirm that the information you submit is truthful and accurate.
  • You agree not to misuse the site or submit false data.

4. Data Privacy

We are committed to protecting your privacy.

What data we collect:

  • Personal data such as name, email, phone number, loan amount, and preferences
  • Technical data such as IP address, browser, and usage patterns
  • Optional information (e.g., income, employment status, housing details)

How your data is used:

  • To forward your application to relevant financial partners
  • To allow partners to offer personalized loan offers
  • To improve the service (e.g., UX, analytics)
  • To communicate via email/SMS regarding your application

Who we share data with:

  • Selected financial partners and credit brokers
  • Our technical service providers (e.g. CRM, analytics tools)
  • Regulatory authorities, only if legally required

Your rights:

  • You may request access, correction, or deletion of your data
  • You may withdraw your consent at any time
  • Contact: privacy@viviro.ai

5. Cookie Policy

Our website uses cookies to ensure functionality, track performance, and personalize content.

Types of cookies:

  • Necessary cookies – Required for core functionality (e.g., form submission)
  • Analytics cookies – Help us understand how users interact with our site
  • Marketing cookies – Used to display relevant ads, if consented

You can manage cookie settings via our cookie banner or through your browser.

6. Market-Specific Disclaimers

Viviro operates localized domains and marketing in several countries. Below are the disclaimers relevant to each market:

🇸🇪 Sweden

  • Viviro is not a licensed lender or credit broker under Swedish law.
  • All applications are forwarded to third-party brokers or lenders who may be licensed by Finansinspektionen.
  • We do not perform credit checks ourselves or provide binding offers.

🇨🇱 Chile

  • Viviro no es una entidad financiera ni un prestamista autorizado.
  • Todas las solicitudes se remiten a terceros que pueden estar registrados ante la Comisión para el Mercado Financiero (CMF).
  • No garantizamos la aprobación de ningún crédito.

🇷🇴 Romania

  • Viviro nu este un IFN sau o instituție de credit autorizată.
  • Cererile sunt transmise partenerilor care pot fi autorizați de Banca Națională a României.
  • Nu oferim garanții privind aprobarea unui împrumut.

🇲🇽 Mexico

  • Viviro no es un prestamista ni un intermediario financiero autorizado en México.
  • Las solicitudes se canalizan a socios externos regulados por la Comisión Nacional Bancaria y de Valores (CNBV).

🇨🇴 Colombia

  • Viviro no otorga créditos ni está registrado como entidad financiera en Colombia.
  • Las solicitudes se reenvían a aliados autorizados y regulados por la Superintendencia Financiera de Colombia.

🇪🇸 Spain

  • Viviro no es una entidad financiera ni un intermediario de crédito autorizado en España.
  • Todas las solicitudes se derivan a entidades colaboradoras que pueden estar reguladas por el Banco de España o CNMV.

🇮🇩 Indonesia

  • Viviro is not a licensed lender or fintech service under Indonesian law.
  • Applications are passed to third-party providers who may be registered with Otoritas Jasa Keuangan (OJK).
  • No guarantees are made regarding loan approval or outcome.

7. Disclaimer of Liability

  • Viviro is not responsible for any decisions made by financial institutions.
  • We do not verify the accuracy of loan terms shown by third parties.
  • Users are solely responsible for reviewing and accepting any loan offer.

8. Changes to These Terms

We may update this document at any time. Continued use of the service after changes implies acceptance.

Last updated: May 2025

9. Contact

Viviro Oy
Helsinki, Finland

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