Terms of Service

Last updated: 2026-06-23 · Effective date: 2026-06-23

These Terms of Service ("Terms") form a legal agreement between you ("User", "you") and Vinacash Co., Ltd (Business Reg. No.: 0110128080; "Vinacash", "we", "us") governing your use of the Vinacash mobile app (iOS, Android), the vinacash.vn website and related services (the "Services").

By registering for, ticking the acceptance box, or using the Services, you confirm that you have read, understood and agree to be bound by these Terms and the Privacy Policy. If you do not agree, do not register and do not use the Services.

1. Description of the Services

Vinacash is Software-as-a-Service (SaaS) that helps businesses manage records, contracts, interest calculations, cash flow and reminders for pawn, lending, rotating credit (bát họ) and capital operations. The Services are a management tool only; they are not a credit institution and do not provide financial services.

2. Eligibility

You confirm that you are at least 18 years old, have full legal capacity, and are authorised to represent the business that uses the Services.

3. Accounts & security

You must provide accurate information at registration and keep it updated. You are responsible for safeguarding your login credentials and for all activity under your account (including activity by staff you authorise). Notify us immediately of any unauthorised access.

4. Plans, trial, billing & refunds

• Trial: we may offer a trial period (e.g., 14 days), no credit card required. After the trial, a paid plan is required to continue.
• Billing: fees and billing cycles are disclosed at the time of subscription. If purchased via the App Store/Google Play, payment, renewal and refunds follow Apple's/Google's policies and your store account settings.
• Renewal & cancellation: you may cancel at any time; cancellation takes effect at the end of the current billing period, unless the law provides otherwise.
• Refunds: except where required by law or by store policy, fees paid are non-refundable.

5. Lawful use & your compliance responsibility

You agree to use the Services in compliance with the laws of Vietnam, including rules on lending, interest-rate caps, pawn/secured transactions, anti-money-laundering, invoicing – accounting – tax, and personal data protection. You are solely and fully responsible for: (a) the legality of your transactions, contracts and business activities; (b) setting interest rates, fees and penalties within the limits permitted by law; and (c) customer due diligence (KYC) and lawful debt collection. Vinacash does not create, vet, advise on, or take responsibility for the content or legality of any contract, interest rate or transaction you create through the Services.

Compliance warnings on lending, interest rates, pawnbroking & rotating credit (reference information, not legal advice):

• Interest-rate cap: Under Article 468 of the 2015 Civil Code, the agreed interest rate must not exceed 20%/year of the loan amount (about 1.666%/month), unless otherwise provided by relevant law; interest above the cap is ineffective.
• Usurious lending: Under Article 201 of the 2015 Penal Code (as amended 2017), lending at a rate 5 times or more the Civil Code cap while obtaining illicit gains may incur criminal liability.
• Pawnbroking: A conditional business line subject to security and order requirements (Decree 96/2016/ND-CP); establishments must hold a security-and-order eligibility certificate and observe the interest-rate cap above.
• Rotating credit (họ, hụi, biêu, phường): Governed by Decree 19/2019/ND-CP; interest within such schemes must also not exceed the Civil Code cap.
• Debt collection: Threats, force, defamation, mental terror or other unlawful means to collect debts are prohibited; the debt-collection service business is banned under the 2020 Investment Law.
• Anti-money-laundering & KYC: Comply with the 2022 Anti-Money-Laundering Law and related rules.
• Personal data protection: Collecting and using borrower data must comply with Decree 13/2023/ND-CP.

Vinacash only provides tools for record-keeping, calculation and reminders; Vinacash does not set interest rates, vet, or recommend any rate. All interest rates, fees, penalties and debt-collection methods are decided by you, at your sole responsibility under the law.

You must not: use the Services for unlawful purposes (including usurious lending or unlawful debt collection); attack or interfere with the systems; copy, reverse-engineer or distribute the software without authorisation; or overload or disrupt the Services.

6. Calculations, figures, interest rates & business decisions

All calculation results (interest, principal, fees, late-payment penalties, cash flow), reports, statistics, reminders and other figures generated by the Services are provided for reference and management-support purposes, based on the data and configuration you enter. These figures are not advice, do not replace independent verification, and may differ due to rounding, misconfiguration, inaccurate input or differing interpretations of a transaction. You are obliged to independently check, reconcile and confirm all figures before relying on them for actual transactions, contracts, accounting records, tax filings or any legal purpose. To the maximum extent permitted by law, Vinacash is not liable for any loss, error or business decision arising from your reliance on figures produced by the Services.

7. No legal, financial, accounting or tax advice

Vinacash is a software provider. The Services, guides, templates, articles and all accompanying content do not constitute and are not a substitute for legal, financial, investment, accounting or tax advice. You should consult qualified, licensed professionals before making decisions. Vinacash does not warrant that using the Services makes you fully compliant with applicable law.

8. Your data & borrower data

• You retain all ownership of the data you upload. You grant Vinacash a licence to use the data solely to provide and operate the Services.
• When entering personal data of borrowers (third parties), you act as the Data Controller and must ensure a valid legal basis/consent. You agree to indemnify Vinacash for any damage arising from your unlawful processing of data (see the Privacy Policy).

9. Backup & data loss

We apply reasonable measures to back up data but do not guarantee that data will never be lost, corrupted or unrecoverable. The mobile app may store and synchronise data locally on your device; synchronisation may be interrupted, delayed or conflicted due to network, device or third-party failures. You are responsible for keeping your own backups of important data (e.g., exporting/printing reports periodically). To the maximum extent permitted by law, Vinacash is not liable for any loss, corruption or inaccessibility of data.

10. Reminders, SMS, notifications & messages to borrowers

Reminder, push notification, SMS, Zalo and message-sharing features depend on third-party infrastructure (carriers, SMS gateways, Apple/Google, Firebase, etc.) and your device settings; we do not guarantee that notifications are always sent, delivered on time or received. You are solely responsible for the content, frequency, consent and legality of any message, call or notification you send to borrowers or third parties through or with the help of the Services, including compliance with advertising, anti-harassment and debt-collection rules.

11. Intellectual property

All software, trademarks, logos, interfaces and content of the Services belong to Vinacash or its licensors. You are granted a limited, non-exclusive, non-transferable right to use them during valid use; beyond that, all rights are reserved.

12. Third-party services

The Services may integrate third-party services (e.g., Firebase, SMS gateways, payment gateways, App Store/Google Play). Use of those services may be subject to their own terms. Vinacash is not responsible for the operation, availability or content of third parties.

13. Availability, "as is", beta features & disclaimer of warranties

We strive to keep the Services stable but do not guarantee uninterrupted, timely, secure or error-free operation. The Services are provided "as is" and "as available". To the maximum extent permitted by law, we disclaim all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. Maintenance, updates, changes or discontinuation of features may occur. Features labelled experimental/beta/"coming soon" are provided for trial, may be unstable, and may be changed or removed at any time.

14. Force majeure

Vinacash is not liable for any delay or failure to perform caused by events beyond its reasonable control, including but not limited to: natural disasters, epidemics, war, strikes, failures of power, telecommunications, internet or cloud infrastructure providers, cyber-attacks, acts of government authorities or changes in law.

15. Limitation of liability

To the maximum extent permitted by law, Vinacash is not liable for indirect, incidental, consequential, punitive damages, lost profits, lost revenue, loss of goodwill or lost data arising out of or relating to the use of (or inability to use) the Services. Vinacash's total liability for all claims, if any, shall not exceed the fees you actually paid to us in the 12 months preceding the event giving rise to liability. Some jurisdictions do not allow certain exclusions or limitations; in those cases the limitation applies to the maximum extent permitted by law.

16. Indemnification

You agree to indemnify and hold Vinacash (and its staff, agents and partners) harmless from any claims, demands, losses or costs (including reasonable legal fees) arising from your breach of these Terms, violation of law, or infringement of third-party rights (including borrowers').

17. Suspension & termination

We may suspend or terminate access if you breach these Terms or the law, or where necessary to protect the Services and other users. You may stop using the Services and delete your account at any time (see Account Deletion). Provisions on intellectual property, limitation of liability, indemnification and dispute resolution survive termination.

18. Governing law & dispute resolution

These Terms are governed by the laws of Vietnam. Disputes will first be resolved by good-faith negotiation; failing that, by the competent court in Vietnam.

19. General provisions

You may not assign your rights and obligations under these Terms without our written consent; Vinacash may assign to a successor or merging entity. If any provision is held invalid or unenforceable, the remaining provisions remain in full effect. A party's failure to enforce a right is not a waiver of that right. These Terms, together with the Privacy Policy and referenced policies, constitute the entire agreement between you and Vinacash regarding the Services. The Vietnamese version is the original; in case of any discrepancy with a translation, the Vietnamese version prevails.

20. Changes to the Terms

We may amend these Terms. Updates are posted at vinacash.vn with an effective date; your continued use of the Services after the effective date constitutes acceptance of the update. For material changes, we will endeavour to notify you in-app or by email (if available).

21. Apple iOS addendum

When you download Vinacash from the Apple App Store, the following additional terms apply:

• These Terms are concluded between you and Vinacash, not with Apple. Apple is not responsible for the app or its content.
• The licence is non-transferable and limited to Apple devices that you own or control, per the Usage Rules in the App Store Terms of Service.
• Apple has no obligation to provide maintenance or support for the app.
• If the app fails to conform to any applicable warranty, you may notify Apple for a refund (if any); beyond that, Apple has no other warranty obligation.
• Apple is not responsible for addressing any claims by you or a third party relating to the app (including product liability, legal compliance, intellectual property).
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

22. Contact

Vinacash Co., Ltd — [email protected] — 0816 126 868 — https://vinacash.vn — 21st Floor, Capital Tower, 109 Tran Hung Dao Street, Cua Nam Ward, Hoan Kiem District, Hanoi, Vietnam.