Suggestions and Compliance

Every user on our portal can contact our team directly and submit a signal, complaint or proposal. The submission can be done via email to [email protected] or by phone. Our policy can be found in the User Terms under item 22.

After you submit the information, it will be forwarded to the responsible people in the team. It will be entered in our system with a date of receipt and a serial number.

The signal, complaint or proposal will be processed within 2 business days. If the submitted information is not descriptive enough for our team, we will contact you to receive further details on the case. After the 2 business days are over, in the case of needing extra time, the process may take up to 15 business days since the date of submission.
The Portal will give a reasoned answer to the submitted signals/complaints/proposals, and in the case of their legitimacy, the needed actions will be taken.
In case the submitter of the signal and/or the complaint is not satisfied with the given answer, they can submit a signal directly to the Supervisory Authority of the Portal – Estonian Financial Supervision Authority.

The average annual return rate, which we have visually stated on the Portal of iuvo, equals the average size of the individual return received by every user on the Portal.
The individual annual return rate of every user with an amount over 5 euro is calculated in the following way:
All received return payments are divided by:
The sum of the net amount (Added amount – Withdrawn amount) + Received return up to this moment – The amount of received return after the last transfer to add more funds or withdraw.
In order for the profit to be legitimate, iuvo group calculates the individual return after minimum of 30 days since the latest transfer to add more funds or to withdraw.

The policy contains measures, aiming at the preventing and control of making deals on the Portal with persons, in respect of which a conflict of interests may arise between the user and the Portal itself. The conflict of interests can potentially lead to non-compliance with the applicable legislation and/or the Internal rules and procedures of the Portal.

The best way to deal with conflict of interests is to avoid it. This is the purpose of the policy – one of the measures is maximum transparency and safety towards which the Portal aims in the relationship with its users.

When such an event occurs, iuvo stops listing new loans of this originator and removes the available ones from the market. The next step is for iuvo to take the needed legal measures with the purpose of collecting the debt from the originator.
More information is available here.