• The VàngV lending platform provided by ANGGA NUGRAHA is a cooperative financing service based on information technology. The platform only acts as an intermediary for civil agreements between lenders and borrowers. Therefore, all risks and legal consequences arising from the lending process shall be borne by both parties. Before using VàngV services, please be sure to fully understand the relevant risks.
• Any financing risks or defaults arising from the use of VàngV services shall be borne by the lender. No government agency or department shall be liable for such risks, nor shall they compensate for any losses or other consequences arising therefrom.
• With the consent of each user (including lenders and borrowers), VàngV may access, obtain, store, manage, and/or use users personal data and information (hereinafter referred to as "data usage") on electronic devices (such as smartphones, mobile phones, etc.), hardware or software, applications, and electronic systems owned or controlled by users. Moreover, before obtaining user consent, VàngV will clearly inform users of the purposes, limitations, and related mechanisms of such data usage. The platform will strictly encrypt and legally protect this information and will not share or disclose it to external parties. For details, please refer to the User Data Privacy Policy.
• Lenders who lack knowledge and experience in information technology-based cooperative financing services are advised not to use VàngV services.
• Before using VàngV services, lenders must carefully consider the loan interest rate and other fees in light of
