Privacy Policy

Các điều khoản dịch vụ này ("Điều khoản", "Thỏa thuận") là một thỏa thuận giữa trang web ("Nhà điều hành trang web", "chúng tôi", "chúng tôi" hoặc "của chúng tôi") và bạn ("Người dùng", "bạn" hoặc "của bạn "). Thỏa thuận này nêu ra các điều khoản và điều kiện chung về việc bạn sử dụng trang web này và bất kỳ sản phẩm hoặc dịch vụ nào của nó (gọi chung là "Trang web" hoặc "Dịch vụ").

User Agreement

• Welcome to rivju.com (referred to as "we" or "our"). This user agreement governs your use of our loan comparison service website ("Platform"). By accessing or using our Platform, you agree to be bound by the terms and conditions set forth in this User Agreement. Please read this agreement carefully before using our services.

Introduction

• At rivju.com, we strive to provide a transparent loan comparison experience with users at the center. This user agreement outlines the terms and conditions governing your use of our Platform. By accessing or using our services, you acknowledge that you have read, understood, and agreed to be bound by this agreement.

Definition

• Platform: The website rivju.com and related services, including loan comparison services and any other features or functions provided.
• User: Any individual or organization accessing or using the Platform.

Acceptance of Terms

• By accessing and using our Platform, you express your acceptance of this User Agreement. If you do not agree with the terms and conditions stated herein, please do not use our services. We reserve the right, at our discretion, to modify, supplement, or update this User Agreement at any time without prior notice. It is your responsibility to review this agreement periodically to be informed of any changes. Your continued use of the Platform after posting any modifications to this Agreement constitutes acceptance of those changes.

Loan Comparison Service

• Our Platform provides a loan comparison service, allowing you to compare loans from various lenders in Vietnam.
• Our Platform streamlines the search and selection process for loans by consolidating all necessary information and links on one page. We aim to facilitate users' access to detailed information about loans from various lenders in Vietnam. However, it is important to clarify that the content on our website does not constitute specific loan offers. Instead, we provide comprehensive information to assist users in evaluating their options and making informed decisions.
• Once users have reviewed the provided information, they may follow links to the website of the selected lender. This step allows them to receive personalized loan proposals tailored to their needs. By accessing the lender's website, users can familiarize themselves with the relevant loan terms and requirements. It should be noted that the terms of use of the lender's website remain independent and effective, regardless of our User Agreement.
• While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy, completeness, or reliability of the loan offers displayed on our Platform. You are responsible for independently verifying the terms and conditions of any loan offers before agreeing with the lender.

User Obligations and Responsibilities

• Users agree to comply with all current laws, regulations, and legal requirements when accessing and using our Platform. This includes but is not limited to laws related to privacy, intellectual property, and consumer rights. Users are fully responsible for understanding and complying with the legal obligations related to their use of the Platform.
• Users are responsible for providing accurate and up-to-date information when using our Platform. This includes personal information, contact details, and any other data necessary for the loan application process. Users understand that providing inaccurate or misleading information may result in their loan application being rejected and potential legal consequences.
• Users are responsible for maintaining the security and confidentiality of their account login information, including usernames, passwords, and any other login details. Users should not share their account information with others and should promptly notify us if they suspect any unauthorized access to their account.
• Users are granted access to and use of the website's content for personal purposes only. Individuals may use our Platform free of charge. Users are prohibited from using the website's content for commercial purposes or without explicit permission from the website's administration. The website administration reserves the right to restrict access to our platform for users who violate any specified conditions.
• Users agree to use our Platform only for lawful purposes and comply with this User Agreement. Engaging in any activities that may disrupt or interfere with the normal operation of the Platform, including but not limited to hacking, spamming, or distributing malicious software, is strictly prohibited.
• Users are prohibited from uploading, posting, or transmitting any unlawful, defamatory, abusive, vulgar, or objectionable content. Users are solely responsible for the content they share on the Platform and shall not infringe on the rights of any third party.
• Our Platform may contain links to third-party websites or services. Users acknowledge that we do not endorse or have the right to control the content, policies, or practices of these third-party websites. Users are responsible for reviewing and understanding the terms and conditions, privacy policies, and practices of any third-party websites they access through our Platform.
• Users are encouraged to report any violations of this User Agreement or any suspicious activities observed on the Platform. Users may contact us using the provided contact information to report such incidents.
• Users agree to indemnify us against any claims, damages, losses, legal liabilities, and expenses (including legal fees) arising from or related to their use of the Platform or information therein.

Intellectual Property

• The content and materials available on the Platform, including but not limited to text, graphics, logos, and software, are owned or licensed to us and are protected by current intellectual property laws. You agree not to copy, distribute, modify, or create derivative works of any content or materials from the Platform without our prior written consent.

Rights and Responsibilities of the Website Administration

• We are committed to providing users with a smooth and uninterrupted platform experience. Our team works diligently to maintain the functionality of the website and promptly address any technical issues that may arise. We strive to provide users with an optimal user experience and ensure that our platform operates efficiently.
• As the website administrator, we have the right to make necessary changes to the content and design of the website. These changes may include updating or removing materials without prior notice to users. Our goal is to continuously improve the quality of service and enhance the overall user experience on our platform.
• Protecting the privacy and data security of users is of utmost importance to us. We strictly adhere to the laws and regulations of Vietnam and have implemented comprehensive privacy policies to ensure the security and protection of your personal information. Rest assured that we are committed to keeping your data safe and will not disclose it to any third party without your explicit consent.
• With your consent, we have the right to notify you about new products, services, special offers, discounts, and other important information using the contact details you provided, such as your email address or mobile phone number. We aim to keep you informed and updated about valuable opportunities and improvements related to our platform.
• In the event that users violate the terms and conditions outlined in the User Agreement, privacy policy, or any other website rules, we may take appropriate measures to temporarily or permanently restrict their access to the platform. These actions are necessary to ensure the security and integrity of our web resources and comply with the legal requirements of Vietnam. Please note that advance notice may not always be provided before implementing access restrictions.

Limitation of Liability

• It is important to acknowledge that the information provided on our Platform is for reference purposes only. While we strive to present accurate and reliable information, we cannot guarantee the absolute reliability or accuracy of all content on our platform. Therefore, users are encouraged to independently verify any information related to loans on the official websites of microfinance institutions they intend to engage with.
• We want to clarify that our Platform does not directly provide lending services, nor do we endorse or guarantee the quality or compliance of loan offers provided by third-party lenders. Any transactions between users and lenders, as well as any consequences arising from contract violations, are the responsibility of the parties involved. If you have any questions or complaints regarding lending services, please refer them to the relevant third-party provider.
• Although we strive to facilitate understanding and comparison of existing loan offers, it is important to understand that users are fully responsible for the decisions they make based on the information provided on our platform. We do not act as financial advisors or intermediaries in lending transactions. Therefore, we disclaim any responsibility for any illegal actions or violations of the rights of third parties resulting from the actions and decisions of users.
• We want to make it clear that we cannot be held responsible for any damages or losses resulting from the use of our platform or the information contained therein. This includes any losses arising from platform malfunctions or disruptions. Users should use our platform responsibly and take necessary preventive measures to protect their own interests.

Governing Law

• This User Agreement shall be governed and construed in accordance with the laws of Vietnam. Any disputes arising from or related to this agreement shall be subject to the exclusive jurisdiction of courts in Vietnam.

Contact Us

• If you have any questions, concerns, or requests regarding this User Agreement or our services, please contact us through the provided contact information on the Platform.

Mặc dù trang web này có thể được liên kết với các trang web khác, nhưng chúng tôi không, trực tiếp hoặc gián tiếp, ngụ ý bất kỳ sự chấp thuận, liên kết, tài trợ, chứng thực hoặc liên kết với bất kỳ trang web được liên kết nào, trừ khi được quy định cụ thể ở đây.

Bạn nên xem xét cẩn thận các tuyên bố pháp lý và các điều kiện sử dụng khác của bất kỳ trang web nào bạn truy cập thông qua một liên kết từ trang web này. Liên kết của bạn đến bất kỳ trang ngoài trang web hoặc các trang web khác là nguy cơ của riêng bạn.