At Sivo Finance LLC, we are committed to responsible lending practices that prioritize the financial well-being of our clients. We believe that financial services should help people improve their lives, not create additional hardship.
Our responsible lending policy is built on principles of transparency, fairness, and client education. We strive to ensure that our clients fully understand the terms and conditions of our services and that the financial solutions we provide are suitable for their individual circumstances.
We conduct comprehensive assessments of our clients' financial situations to ensure they can comfortably manage repayments without financial distress.
We provide clear, understandable information about our services, including all fees, interest rates, and terms, with no hidden charges.
We help our clients understand their financial options and make informed decisions through educational resources and personalized guidance.
Before providing any financial service, we conduct thorough affordability assessments to ensure that the service is appropriate for the client's financial situation. Our assessment process includes:
We only approve applications that demonstrate the client's ability to repay without undue hardship. If we determine that a service is not suitable for a client's financial situation, we will decline the application and explain our decision.
We believe that clients should fully understand the financial commitments they are making. To ensure transparency, we:
Our staff are trained to explain all aspects of our services and answer any questions clients may have before they make a commitment.
We recognize that financial circumstances can change unexpectedly. If our clients experience financial difficulties that affect their ability to meet their repayment obligations, we offer support through:
We encourage clients who are experiencing financial difficulty to contact us as soon as possible so we can work together to find a suitable solution.
Sivo Finance LLC is committed to preventing over-indebtedness among our clients. We implement several measures to ensure that our services contribute positively to our clients' financial health:
Our goal is to build long-term relationships with our clients based on financial sustainability and mutual benefit.
Sivo Finance LLC operates in full compliance with all applicable laws and regulations governing financial services. We maintain high ethical standards and regularly review and update our practices to ensure they align with industry best practices and regulatory requirements.
Our staff receive regular training on responsible lending principles and regulatory compliance to ensure they can provide the highest level of service to our clients.
We value feedback from our clients and use it to continuously improve our services. If you have concerns about any aspect of our services or believe we have not adhered to our responsible lending principles, we encourage you to:
We are committed to addressing all complaints promptly, fairly, and transparently.
Our team is ready to provide more information about our responsible lending approach and how we can help you achieve your financial goals responsibly.
Contact Our Team