Last updated: 1 April 2026
By accessing or using the Vony platform ("Service"), including our website at lend-with-vony.com, mobile applications for iOS and Android, and any associated services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service.
Vony Lending ("Vony," "we," "us," or "our") reserves the right to update these Terms at any time. We will notify you of material changes via email or in-app notification. Your continued use of the Service after such changes constitutes acceptance of the updated Terms.
Vony is a personal lending platform that enables individuals to create, manage, and track personal loan agreements between friends, family, and community members. The Service provides tools for:
Vony is a facilitation platform. We do not act as a lender, borrower, bank, or financial institution. We do not guarantee repayment of any loan, mediate disputes, or provide financial advice.
You must be at least 18 years old to use the Service. By using Vony, you represent and warrant that you are of legal age to form a binding contract in your jurisdiction and that your use of the Service does not violate any applicable law or regulation.
To use the Service, you must create an account via Google OAuth authentication. You agree to:
You may create a username, add a phone number, set your location, and upload a profile picture. Your username must be unique and may not impersonate another person or entity.
Vony enables users to create digital loan agreements between two parties. When you create or accept a loan on Vony:
Vony does not verify the identity, creditworthiness, or financial capacity of any user. Lending decisions are made entirely at your own risk.
Vony provides tools to record payments made between parties. Payments are processed externally through third-party services including PayPal, Venmo, Zelle, Cash App, or cash. Vony does not process, hold, or transfer funds directly.
Each recorded payment generates a transaction reference (format: VNY-[timestamp]-[random]) for your records. Borrowers initiate payment records, and lenders may approve them. Vony is not responsible for the accuracy of payment records entered by users.
The Service integrates with third-party services including:
Your use of third-party services is subject to their respective terms of service and privacy policies. Vony is not responsible for the availability, accuracy, or practices of third-party services.
You agree not to:
The Service, including its design, code, content, logos, and trademarks, is owned by Vony Lending and protected by intellectual property laws. You may not copy, modify, distribute, or reverse-engineer any part of the Service without our express written consent.
Documents you generate through the Service (loan agreements, promissory notes, amortization schedules) are yours to use, download, and share as needed.
Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Service, you consent to the practices described in the Privacy Policy.
The Service is provided "as is" and "as available" without warranties of any kind, express or implied. Vony does not warrant that:
Vony is not a financial institution, licensed lender, or credit reporting agency. We do not report loan activity to credit bureaus.
To the maximum extent permitted by law, Vony Lending shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of funds, data, or business opportunities, arising from your use of the Service.
Our total liability for any claim arising from or related to these Terms or the Service shall not exceed the amount you paid to Vony (if any) in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless Vony Lending, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service, your violation of these Terms, or your loan agreements with other users.
You may delete your account at any time through your Profile settings. We may suspend or terminate your access to the Service if you violate these Terms or engage in conduct that we determine, in our sole discretion, is harmful to other users or the Service.
Upon termination, your right to use the Service ceases immediately. Loan agreements and payment records created prior to termination remain accessible to the other parties involved.
Disputes between users regarding loan agreements are solely between those users. Vony does not mediate, arbitrate, or resolve disputes between parties to a loan.
Any disputes between you and Vony relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.
These Terms are governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law principles.
If you have questions about these Terms, please contact us at:
Vony Lending
Email: legal@vony.com
Web: Contact Us