Privacy policy Vive Invest B.V.

This Policy was last updated on 23 of October 2018.

At Vive Invest, we care about the protection of your data and privacy and how it applies to you, as a user of our website(s). In this Privacy Policy ('Policy'), you can find information about how, whether, and why we collect and use your personal information on our Vive Invest website www.viveapp.com and on our mobile application Vive App. This Policy applies to any personal information that is gathered when you use our services, visit our Website, or otherwise interact with us. We have divided this Policy into different sections. The processing of your personal data complies with the General Data Protection Regulation (GDPR), the Dutch GDPR Execution Act and the Dutch Telecommunications Act.

About us

The data controller for the processing of your personal data is VIVE Invest B.V., registered at the Dutch Chamber of Commerce with registration number 62098896. Our address is Keizersgracht 203, 1016 DS Amsterdam, the Netherlands.

If you have any questions about the processing of personal data resulting after reading our Privacy Statement, you can contact us at privacy@viveapp.com.

Types of personal data we collect

To assess and open Vive Website and Mobile Application accounts, we can collect and use the following personal data:

  • First and last name
  • Date, country and place of birth
  • Nationality
  • Gender
  • Residential address
  • Telephone number
  • Email address
  • Social security numbers and/or other tax identification numbers
  • Counter IBAN
  • Device data (such as type of device, operating system, IP-addresses and advertising IDs)
  • Location data via GPS
  • Uploaded images/content
  • Device data of added devices and API-keys
  • Financial and banking data, product subscriptions and transaction history
  • Cookies and usage date on how you use our products and services
  • Correspondence with Vive Invest and support data (telephone, chat conversations and email)
  • Additional information related to opening an account and creating your personalized investment
  • Plans such as your knowledge and experience of financial markets, your financial situation, investment situation and preferences and your risk preferences
  • Marketing data (statistics related to our marketing campaigns and data to measure this)

Information about our communication

  • When you send us an email, or chat with us online or via social media, we save your correspondence with us if you are already a customer or in the process of becoming one or contacting us to find more about our products and/or services.
  • Information we collect when you use our Website and/or our mobile application.
  • When you visit our Website and mobile application or use our services, we may register your IP address, browser type, operating system, referring website, web-browsing behaviour.
  • We may receive an automatic notification when you open (or open a link from) newsletters from us.

Information in relation to social media

Depending on your social network settings, we may receive information from your social network provider. For example, when you sign in for our services using a social network account, we may gather publicly available information you give us access to from your social network profile, including your contact details, interests, and social network.

For more information on the personal data that we receive from your social network provider, and how to change your privacy settings, please refer to the website and the privacy policy given by your social network provider.

Information you choose to share with us

You may also choose to share information with us. For example, when you leave a comment for us on Facebook, fill out a survey, submit a contact or application form, leave a review or submit an entry for a contest or scholarship, you have opted to share personal information with us.

You may also choose to share information with us. For example, when you leave a comment for us on Facebook, fill out a survey, submit a contact or application form, leave a review or submit an entry for a contest or scholarship, you have opted to share personal information with us.

Purposes of processing your data

Vive Invest processes your personal data in accordance with the laws and regulations based on several legal grounds. Vive Invest processes personal data to provide our services. For example, personal data is processed to:

  • Comply with legal obligations
  • To preserve our agreement and to provide our services in a secure manner, we process your personal data. For example, we need your contact information to keep you informed about relevant developments, and we store correspondence data to improve our customer services
  • To make your user experience easier and more effective, we may assess how you use our services, and combine this data with information collected via your personal account, registration details, cookies, and similar technologies. This combination enables us to, for example, optimize our search algorithms and offer a better customer experience
  • To create better and personalized investment strategies
  • To process personal information for (direct) marketing purposes. This means we may use your personal information to send you newsletters, emails, promotions, or other marketing communications. We use the results of our analysis to tailor our marketing communications to your specific interests and preferences. For example, if our analysis shows that you may be interested in certain services, we may customize our newsletters and Website with content that is relevant to you. We may use different channels for our marketing communications, such as emails, social media, and your personal online account during different time frames and in recurrent manner.
  • To initiate and evaluate business relationships. Your personal data will be processed for the entering into agreements and the performance thereof to the point of commercial services and the managing of the business relations which emerge from them, including the performance of activities aimed at the expansion of our client database.

Vive Invest is allowed to process personal data for this purpose because you gave consent or because Vive Invest has a legitimate interest. The consent can be withdrawn at any moment, and you can object at any moment to the processing of your personal data for direct marketing purposes. The withdrawal of consent or exercise of your right to object does not affect the lawfulness of the processing prior to the moment of withdrawal or exercise of the right to object.

You may object or revoke your consent for receiving marketing communications at any time, by following the instructions in the relevant marketing communication or by sending an email to privacy@viveapp.com

Legitimate and legal interests

In many cases, we are legally required to store certain data about you, for example to verify your identity, for research and to create personalized investment plans.

We can also process certain data when we have a legitimate interest to do so. For example, to prevent and combat misuse, to research and analyze the use of our products and services for marketing purposes, for information and system security or to share certain data with governmental institutions.

Disclosing or sharing data with third parties

General

We reserve the right to release personal information without your consent or without consulting you, when we deem it necessary to comply with our legal obligations, to enforce our terms and conditions, to protect the security of our Website and application, or to prevent fraud.

To be able to provide our services, we share certain personal data with third parties. We keep the sharing to a minimum and ensure these third parties will handle your personal data with the same care as we do. This means, among other things, we sign Data Processing Agreements. The third parties or categories of third parties with whom we share data are: Onfido Limited, DeGiro, VWD, Auth0, Northern Trust.

Governmental institutions

To comply with laws and regulations we can share data with the concerned institutions. For example, the Tax Authorities can request financial data and we can share data with the Dutch Central Bank for participating in the Deposit Guarantee Scheme. Next to this, Vive Invest can have a statutory or legal obligation to share personal data with investigating authorities to prevent and combat misuse, fraud and crimes.

Security and retention

Vive Invest takes the safeguarding of your information very seriously. Vive Invest will take appropriate technical and organizational measures to protect your personal data against loss or unlawful use. These measures include but are not limited to: facilities protected by appropriate security measures, encryption of devices, version tracking and access to our databases is limited to key personnel and IP addresses and use of it is logged. Personal identifiable information and account activity are also protected through the use of user names and passwords. In order to help maintain the security of your information, you should protect the confidentiality of your user name and password.

How long we keep your personal data

We will hold all the data for so long as we have an obligation to the Customer to provide the Services, and thereafter until such time as we delete the Customer's account in accordance with our Customer Terms and Conditions.

Your personal information will be deleted on one of the following occurrences: - deletion of your personal information by you (or by another person engaged by the Customer); or - receipt of a written request by you (or another person engaged by the Customer) to us

For a large amount of data, we are legally obliged to retain this for a minimum of 5 to 7 years after ending the customer relationship. After this period, we don't store your personal data longer than legally allowed and no longer than necessary for the purposes the data was collected for.

We are able to store personal data for longer periods with a valid legal ground, or when the data is sufficiently (for example) pseudonymised or anonymised.

Your Rights

You can request access to or a copy of your personal data collected by us. You may also request the rectification and removal of personal data or the restriction of the processing of your personal data, if there is a reason for doing so. You also have the right to data portability. You also have the right to object to a processing on grounds relating to your particular situation or against the processing of your personal data for direct marketing purposes. More information on your rights is available at: https://autoriteitpersoonsgegevens.nl.

To exercise your right(s), please send us an email at privacy@viveapp.com or mail us: VIVE Invest B.V., Keizersgracht 203, 1016 DS Amsterdam, The Netherlands.

Revoking & limiting consent

When you have provided us with permission to process personal data, or when we process your personal data based on legitimate interests, you are able to revoke this permission in an easy manner or ask us to limit the use of your data. Revoking your permissions does not mean that stored data is deleted.

Direct marketing & usage data

If you do not want your data to be used for direct marketing activities and analysis of the usage of our products and services, you can let us know via the VIVE app anytime. Next to this, our communication via email contains the possibility to unsubscribe from these messages.

GPS and image and content access

While using the VIVE app, you can provide permission to process location data. If you no longer want us to use location data, you can revoke these permissions easily. This permission is also offering the possibility to protect your account, sending, for example, notifications when there is a login from an unknown location. You'll find these settings in the VIVE app. You can revoke provided permissions at any given moment.

Images and content that you use to personalise your VIVE account can be easily changed in the VIVE app.

Cookies

For more information on how to delete cookies, please see our Cookie Statement.

Modifications to this Policy

This Policy is effective as of 23 of October 2018. We reserve the right to alter or otherwise make changes to this Policy. Notices may be by email to the last email address you provided us, by posting notice of such change on our Site or the Optimizely Service, or by other communication channels. You consent to receiving notices in these ways. We reserve the right to determine the form and means of providing notifications to you, consistent with applicable law. Changes take effect as soon as the Policy is posted.

Questions or complaints

If you have any question or complaints about the processing, please send an email to us at privacy@viveapp.com . If you feel that your rights have been violated, you may also make a complaint with the Autoriteit Persoonsgegevens, the Dutch Data Protection Authority (www.autoriteitpersoonsgegevens.nl). For more information on the protection of personal data, please consult the website of the Autoriteit Persoonsgegevens.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at privacy@viveapp.com

Vive wil jou graag bedanken dat jij klant bent geworden. Wij geven jou daarom 3 maanden gratis vermogensbeheer (excl. bewaarkosten & fondskosten). Voor meer informatie over onze tarieven lees hier. Lees hieronder verder de actievoorwaarden voor de unieke codes “AWS2022” & “FIRST500”.

Hoe het werkt in 5 stappen

1. Scan de QR code: download de app.

2. Maak een account aan in <5 minuten.

3. Verstuur code “AWS2022” of “FIRST500” naar ons in de chat.

4. Wij doen de rest.

5. Geniet van je eerste 3 maanden gratis!

Actievoorwaarden

Nieuwe klanten ontvangen na het delen van de actiecode in de chat een beheervergoeding van in totaal maximaal €25,- over 3 maanden om de dienstverlening van Vive uit te proberen.

- De actiecode dient te worden gedeeld met Vive binnen de eerste week dat een plan is geactiveerd.

- Beheerskosten boven €25,- zullen in rekening worden gebracht conform de algemene voorwaarden.

- Deze actie is alleen geldig voor nieuwe klanten.

- Deelnemer staat nog niet geregistreerd (o.b.v. NAWT) bij Vive

- Looptijd actie: t/m 5 juni 2022

Rekenvoorbeeld

Beheerd vermogen bij Vive van deelnemer 1:

Vermogen maand 1 - €750,-

Vermogen maand 2 - €1.500,-

Vermogen maand 3 - €2.250,-

De beheerkosten voor 3 maanden bedragen €2,25. De door de klant te betalen beheerkosten bedragen €0,-

Tot €16.600 zijn de beheerkosten voor de eerst 3 maanden gratis. Genoeg om Vive mee uit te proberen!

Wij zijn blij met jou aan boord.

Team Vive

This Disclaimer was last updated on January 13 2022.


General

VIVE Invest B.V. (Chamber of Commerce 62098896), in the rest of this document referred to as Vive Invest, hereby grants you access to www.viveapp.com and all of our VIVE Invest B.V. websites where it publishes texts, images and other materials which have been supplied by Vive Invest and others.

Vive Invest retains the right to alter the contents of the Website and mobile application or remove material without having to notify you at any point in time about such changes. The information and materials on the Website and mobile application are provided “as is” and cannot be considered an offer of services or a contract proposal. Contracts and services are only established by the acceptance of duly indicated quotations or offers by Vive Invest.


Liability

Although for the content of this Website and our mobile application great care has been taken, Vive Invest shall never be liable for losses or other damages that may result from inaccuracy or incompleteness of information on this Website and/or its mobile application. The materials on the Website and our mobile application are offered without any warranties, expressed or implied, and without any claims as to their accuracy. These materials can be subject to change at any given time without prior notification from Vive Invest. Especially all sums, prices and fees on the Website and mobile application are provided with reservation of type-, conversion-, and programming errors.

For the consequences of such errors no liability is acknowledged or accepted by Vive Invest. No agreement or contract with Vive Invest is established based on such errors. Studying the contents of this Website and/or our mobile application, signing up for newsletters or to send information requests can not cause any kind of relationship between Vive Invest and the receiver of the information.

This website may contain links to other websites. Vive Invest has no control over the content of those other sites and is not responsible for the content of those websites or other links to other websites. Transmission of web forms or other communications to Vive Invest without encryption or other secure means of communication and shall always be for the risk of the sender.


Intellectual Property Rights

This website contains information, data, software, photos, graphics and other materials protected by copyright, trademark or other proprietary rights. The content on this Website and our mobile application may not be reproduced, republished, distributed, transmitted, displayed, broadcasted or exploited in any manner without the express prior written consent of Vive Invest. All intellectual property rights with regards to these materials offered and available on the Website and our mobile application are the property of Vive Invest and its licensors. All intellectual property rights relating to this Website, including software, text, photographs, images and / or sounds are owned by us and / or the person from whom we have obtained a license.

Privacy policy Vive Invest B.V.

This Policy was last updated on 23 of October 2018.

At Vive Invest, we care about the protection of your data and privacy and how it applies to you, as a user of our website(s). In this Privacy Policy ('Policy'), you can find information about how, whether, and why we collect and use your personal information on our Vive Invest website www.viveapp.com and on our mobile application Vive App. This Policy applies to any personal information that is gathered when you use our services, visit our Website, or otherwise interact with us. We have divided this Policy into different sections. The processing of your personal data complies with the General Data Protection Regulation (GDPR), the Dutch GDPR Execution Act and the Dutch Telecommunications Act.

About us

The data controller for the processing of your personal data is VIVE Invest B.V., registered at the Dutch Chamber of Commerce with registration number 62098896. Our address is Keizersgracht 203, 1016 DS Amsterdam, the Netherlands.

If you have any questions about the processing of personal data resulting after reading our Privacy Statement, you can contact us at privacy@viveapp.com.

Types of personal data we collect

To assess and open Vive Website and Mobile Application accounts, we can collect and use the following personal data:

  • First and last name
  • Date, country and place of birth
  • Nationality
  • Gender
  • Residential address
  • Telephone number
  • Email address
  • Social security numbers and/or other tax identification numbers
  • Counter IBAN
  • Device data (such as type of device, operating system, IP-addresses and advertising IDs)
  • Location data via GPS
  • Uploaded images/content
  • Device data of added devices and API-keys
  • Financial and banking data, product subscriptions and transaction history
  • Cookies and usage date on how you use our products and services
  • Correspondence with Vive Invest and support data (telephone, chat conversations and email)
  • Additional information related to opening an account and creating your personalized investment
  • Plans such as your knowledge and experience of financial markets, your financial situation, investment situation and preferences and your risk preferences
  • Marketing data (statistics related to our marketing campaigns and data to measure this)

Information about our communication

  • When you send us an email, or chat with us online or via social media, we save your correspondence with us if you are already a customer or in the process of becoming one or contacting us to find more about our products and/or services.
  • Information we collect when you use our Website and/or our mobile application.
  • When you visit our Website and mobile application or use our services, we may register your IP address, browser type, operating system, referring website, web-browsing behaviour.
  • We may receive an automatic notification when you open (or open a link from) newsletters from us.

Information in relation to social media

Depending on your social network settings, we may receive information from your social network provider. For example, when you sign in for our services using a social network account, we may gather publicly available information you give us access to from your social network profile, including your contact details, interests, and social network.

For more information on the personal data that we receive from your social network provider, and how to change your privacy settings, please refer to the website and the privacy policy given by your social network provider.

Information you choose to share with us

You may also choose to share information with us. For example, when you leave a comment for us on Facebook, fill out a survey, submit a contact or application form, leave a review or submit an entry for a contest or scholarship, you have opted to share personal information with us.

You may also choose to share information with us. For example, when you leave a comment for us on Facebook, fill out a survey, submit a contact or application form, leave a review or submit an entry for a contest or scholarship, you have opted to share personal information with us.

Purposes of processing your data

Vive Invest processes your personal data in accordance with the laws and regulations based on several legal grounds. Vive Invest processes personal data to provide our services. For example, personal data is processed to:

  • Comply with legal obligations
  • To preserve our agreement and to provide our services in a secure manner, we process your personal data. For example, we need your contact information to keep you informed about relevant developments, and we store correspondence data to improve our customer services
  • To make your user experience easier and more effective, we may assess how you use our services, and combine this data with information collected via your personal account, registration details, cookies, and similar technologies. This combination enables us to, for example, optimize our search algorithms and offer a better customer experience
  • To create better and personalized investment strategies
  • To process personal information for (direct) marketing purposes. This means we may use your personal information to send you newsletters, emails, promotions, or other marketing communications. We use the results of our analysis to tailor our marketing communications to your specific interests and preferences. For example, if our analysis shows that you may be interested in certain services, we may customize our newsletters and Website with content that is relevant to you. We may use different channels for our marketing communications, such as emails, social media, and your personal online account during different time frames and in recurrent manner.
  • To initiate and evaluate business relationships. Your personal data will be processed for the entering into agreements and the performance thereof to the point of commercial services and the managing of the business relations which emerge from them, including the performance of activities aimed at the expansion of our client database.

Vive Invest is allowed to process personal data for this purpose because you gave consent or because Vive Invest has a legitimate interest. The consent can be withdrawn at any moment, and you can object at any moment to the processing of your personal data for direct marketing purposes. The withdrawal of consent or exercise of your right to object does not affect the lawfulness of the processing prior to the moment of withdrawal or exercise of the right to object.

You may object or revoke your consent for receiving marketing communications at any time, by following the instructions in the relevant marketing communication or by sending an email to privacy@viveapp.com

Legitimate and legal interests

In many cases, we are legally required to store certain data about you, for example to verify your identity, for research and to create personalized investment plans.

We can also process certain data when we have a legitimate interest to do so. For example, to prevent and combat misuse, to research and analyze the use of our products and services for marketing purposes, for information and system security or to share certain data with governmental institutions.

Disclosing or sharing data with third parties

General

We reserve the right to release personal information without your consent or without consulting you, when we deem it necessary to comply with our legal obligations, to enforce our terms and conditions, to protect the security of our Website and application, or to prevent fraud.

To be able to provide our services, we share certain personal data with third parties. We keep the sharing to a minimum and ensure these third parties will handle your personal data with the same care as we do. This means, among other things, we sign Data Processing Agreements. The third parties or categories of third parties with whom we share data are: Onfido Limited, DeGiro, VWD, Auth0, Northern Trust.

Governmental institutions

To comply with laws and regulations we can share data with the concerned institutions. For example, the Tax Authorities can request financial data and we can share data with the Dutch Central Bank for participating in the Deposit Guarantee Scheme. Next to this, Vive Invest can have a statutory or legal obligation to share personal data with investigating authorities to prevent and combat misuse, fraud and crimes.

Security and retention

Vive Invest takes the safeguarding of your information very seriously. Vive Invest will take appropriate technical and organizational measures to protect your personal data against loss or unlawful use. These measures include but are not limited to: facilities protected by appropriate security measures, encryption of devices, version tracking and access to our databases is limited to key personnel and IP addresses and use of it is logged. Personal identifiable information and account activity are also protected through the use of user names and passwords. In order to help maintain the security of your information, you should protect the confidentiality of your user name and password.

How long we keep your personal data

We will hold all the data for so long as we have an obligation to the Customer to provide the Services, and thereafter until such time as we delete the Customer's account in accordance with our Customer Terms and Conditions.

Your personal information will be deleted on one of the following occurrences: - deletion of your personal information by you (or by another person engaged by the Customer); or - receipt of a written request by you (or another person engaged by the Customer) to us

For a large amount of data, we are legally obliged to retain this for a minimum of 5 to 7 years after ending the customer relationship. After this period, we don't store your personal data longer than legally allowed and no longer than necessary for the purposes the data was collected for.

We are able to store personal data for longer periods with a valid legal ground, or when the data is sufficiently (for example) pseudonymised or anonymised.

Your Rights

You can request access to or a copy of your personal data collected by us. You may also request the rectification and removal of personal data or the restriction of the processing of your personal data, if there is a reason for doing so. You also have the right to data portability. You also have the right to object to a processing on grounds relating to your particular situation or against the processing of your personal data for direct marketing purposes. More information on your rights is available at: https://autoriteitpersoonsgegevens.nl.

To exercise your right(s), please send us an email at privacy@viveapp.com or mail us: VIVE Invest B.V., Keizersgracht 203, 1016 DS Amsterdam, The Netherlands.

Revoking & limiting consent

When you have provided us with permission to process personal data, or when we process your personal data based on legitimate interests, you are able to revoke this permission in an easy manner or ask us to limit the use of your data. Revoking your permissions does not mean that stored data is deleted.

Direct marketing & usage data

If you do not want your data to be used for direct marketing activities and analysis of the usage of our products and services, you can let us know via the VIVE app anytime. Next to this, our communication via email contains the possibility to unsubscribe from these messages.

GPS and image and content access

While using the VIVE app, you can provide permission to process location data. If you no longer want us to use location data, you can revoke these permissions easily. This permission is also offering the possibility to protect your account, sending, for example, notifications when there is a login from an unknown location. You'll find these settings in the VIVE app. You can revoke provided permissions at any given moment.

Images and content that you use to personalise your VIVE account can be easily changed in the VIVE app.

Cookies

For more information on how to delete cookies, please see our Cookie Statement.

Modifications to this Policy

This Policy is effective as of 23 of October 2018. We reserve the right to alter or otherwise make changes to this Policy. Notices may be by email to the last email address you provided us, by posting notice of such change on our Site or the Optimizely Service, or by other communication channels. You consent to receiving notices in these ways. We reserve the right to determine the form and means of providing notifications to you, consistent with applicable law. Changes take effect as soon as the Policy is posted.

Questions or complaints

If you have any question or complaints about the processing, please send an email to us at privacy@viveapp.com . If you feel that your rights have been violated, you may also make a complaint with the Autoriteit Persoonsgegevens, the Dutch Data Protection Authority (www.autoriteitpersoonsgegevens.nl). For more information on the protection of personal data, please consult the website of the Autoriteit Persoonsgegevens.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us at privacy@viveapp.com

This Policy was last updated on 23 of October 2018.

This policy is designed to inform you about our use of cookies, local storage objects and similar Technology. For ease of reference, unless otherwise stated below, we will use the term "cookies" in this policy to refer to all of these Technology. This Cookie Policy is part of our Privacy Policy (link) which also includes additional details about our collection and use of information. This cookie statement applies to www.viveapp.com, VIVE mobile application and all associated domains of VIVE Invest B.V., registered at the Dutch Chamber of Commerce with registration number 62098896. Our address is Keizersgracht 203, 1016 DS Amsterdam, the Netherlands.

About Cookies

Websites use techniques that increase user-friendliness and make the websites as interesting as possible for each visitor. The best-known examples of such techniques are cookies and scripts. (hereafter "cookies"). Cookies may be used by website owners or by third parties – advertisers, for example – who communicate via the website you visit.

The use of cookies is safe. No personal information, such as a telephone number or an e-mail address, can be traced back to cookies. As a result, cookies cannot be used for e-mail and/or other marketing actions.

We think it is important that you know which cookies our Website and mobile application use and for which purposes they are used. We want to guarantee your privacy and user-friendliness as much as possible. Below you can read more about the cookies we use and for which purposes.

For which purposes do we use cookies?

We use cookies for the following reasons:

  • To make sure the Website and mobile application function properly
  • To measure usage of the Website and mobile application
  • To display advertisements on our Website and mobile application
  • To measure the relevance of our information and your interest in the offer

Below we make clear how we use cookies for these applications.

Cookies to measure usage of the Website and mobile application

In order to determine which parts of the Website and mobile application are most interesting for our visitors, we continuously try to measure, with the help of a third-party software, the number of visitors/users and the most frequently viewed parts. We use cookies for this purpose.

The information we collect in this way is used to compile statistics. These statistics give us insight into how often our web page is visited, where exactly visitors spend most of their time, and so on. This enables us to make the structure, navigation and content of the Website as user-friendly as possible for you. The statistics and other reports are not traced back to persons unless they register on the Website.

See below for a list of the cookies we use to gather statistics, what data they collect and how long they are used.

For the cookies that our third parties place and the possible data that they collect, we refer to the statements that these parties provide on their own websites about this; see the links below. Please note that these statements are subject to change on a regular basis. A third party is Google Analytics: https://www.google.com/policies/privacy/

Cookies for the display of advertisements

These cookies are used by advertising networks who act as intermediaries between Vive Invest and advertisers. They are used to show relevant, personalised advertisements or offers through every type of medium (e.g. e-mail, social media, banner ads) based on your behaviour on our Website. They are also used for remarketing advertisements.

These cookies are used to:

  • Show relevant, personalised advertisements or offers through every type of medium (e.g. e-mail, social media, banner ads) based on your behaviour on our Website and mobile application
  • Limit the number of times each advertisement is displayed;
  • Measure the effectiveness of an advertising campaign;
  • Make a link to social media, so that you can be recognised when you wish to use social media through Vive Invest Website and mobile application.

See below for a list of the cookies media agencies, advertising networks, and/or we use in combination with advertisements, what data they collect and how long they are used. This list is subject to change.

If such cookies are not used, you will still see advertisements. This is because advertisements are also shown to users who do not use cookies. These advertisements may, for example, be adapted to the content of the Website and/or mobile application.

For the cookies that our third parties place for advertising purposes, we refer to the statements that these third parties provide on their own websites. Please note that these statements are subject to change on a regular basis. Vive Invest has no influence over this.

Other / Unforeseen Cookies

Due to the way the internet and websites work, we may not always have insight into the cookies that are placed by third parties via our Website or mobile application. This is particularly the case if our web pages contain so-called embedded elements; these are texts, documents, images or films that are stored with another party, but which are shown on, in or via our Website and/or mobile application.

Browser Settings

If you do not want websites to place cookies on your computer at all, you can change your browser settings so that you receive a warning before cookies are placed. You can also change the settings in such a way that your browser rejects all cookies or only the cookies of third parties. You can also delete cookies that have already been placed. Please note that you will need to change the settings separately for each browser and computer you use.

Please be aware that if you do not want cookies, we will no longer be able to guarantee that our Website is working properly. It is possible that some functions of the Website are lost or even that you can't see certain websites at all. In addition, the refusal of cookies does not mean that you will no longer see any advertisements. The ads will no longer be tailored to your interests and will be repeated more often.

How to adjust your settings varies from browser to browser. If necessary, consult the help function of your browser. If you want to disable cookies from specific parties, you can do so via www.youronlinechoices.com.

Other Remarks

We will have to amend these statements from time to time, for example because our Website or the rules surrounding cookies change. We may change the content of the statements and the cookies at any time and without prior warning. You can consult this web page for the latest version.

If you have any questions or remarks, please contact privacy@viveapp.com.

Wat zijn de beleggingsovertuigingen van Vive?

VIVE wil dat jij door middel van je beleggingen je doelen kan bereiken. De beleggingen en beleggingsportefeuilles staan in dienst van het realiseren van jouw financiële doelen. Het vermogensbeheer van VIVE aan particuliere klanten zorgt voor de gewenste beleggingen met een efficiënte verhouding tussen rendement en risico, tegen lage kosten, op een transparante manier en rekening houdend met breed geaccepteerde ESG-criteria (d.w.z. op het gebied van leefomgeving, sociale relaties en goed ondernemingsbestuur).

Maatschappelijk verantwoord beleggen

VIVE is van mening dat beleggen een verantwoordelijkheid met zich meebrengt die breder is dan alleen een financiële fiduciaire plicht; de effecten op leefomgeving, sociale relaties en goed ondernemingsbestuur (ESG) dienen daarom een integraal onderdeel te zijn van de beleggingsstrategie.

Het integreren van ESG-criteria heeft toegevoegde waarde vanuit een risico/rendementperspectief. Verantwoord beleggen omvat een combinatie van:

  • Uitsluitingsbeleid;
  • Best in class selectiebeleid;
  • Uitoefening van stemrechten en actieve engagementstrategie.

VIVE wil in principe alleen fondsen selecteren met een ESG-beleid dat de bovengenoemde beleidscomponenten bevat.

Om de ESG-integratie in de fondsen te evalueren, kijken we naar de fondsclassificatie onder de EU Sustainable Finance Disclosure Regulation (SFDR). De EU Sustainable Finance Disclosure Regulation (SFDR) is een reeks EU-regels die tot doel hebben het duurzaamheidsprofiel van fondsen beter vergelijkbaar te maken en beter te begrijpen voor eindbeleggers.

Risicospreiding en kosten laag houden zijn belangrijk

VIVE is van mening dat beleggen het beste kan worden gedaan door middel van breed gespreide portefeuilles. VIVE streeft ernaar om zoveel mogelijk te spreiden over beleggingscategorieën, en daarbinnen over geografische regio's en sectoren. Vermijdbaar risico dat niet wordt beloond met een positieve verwachte risicopremie (meerrendement boven de risicovrije rente) moet in principe worden vermeden.

VIVE gelooft niet dat market timing en tactische asset allocatie waarde toevoegen aan de klant na aftrek van kosten. VIVE gelooft niet dat het proberen de markt te verslaan structureel waarde toevoegt voor de klant na aftrek van kosten. Met actief management is het erg moeilijk om het beter te doen dan het marktgemiddelde. Daarom is het beleid om fondsen te selecteren op basis van 'passief waar mogelijk'. VIVE is van mening dat actief beheer zinvol is voor minder efficiënte of inefficiënte markten als het tot een beter risicobeheer leidt. De focus van VIVE binnen portefeuillebeheer ligt op het zo goed mogelijk samenstellen van portefeuilles per risiconiveau op basis van realistische en plausibele (lange termijn) economische scenario's. De beleggingshorizon van klanten loopt van korte tot lange termijn. Met behulp van uitbesteding aan externe vermogensbeheerders, oftewel de leveranciers van niet-beursgenoteerde beleggingsfondsen waarin VIVE voor haar klanten belegt, kan VIVE zich richten op de toegevoegde waarde voor jou als klant. VIVE kan zelf de beleggingsfondsen selecteren. VIVE belegt alleen via niet-beursgenoteerde ICBE's in de geselecteerde beleggingscategorieën.

Focus op risicobeheer

Risicomanagement is cruciaal voor duurzaam vermogensbeheer. Dit betekent dat het risico frequent wordt gemeten en dat de portefeuille indien nodig wordt aangepast. VIVE hanteert het principe dat de waarde van het neerwaartse risico van de optimale portefeuilles elk kwartaal wordt geactualiseerd en dat de samenstelling van de optimale portefeuilles in samenhang hiermee kan worden aangepast om de beste verhouding tussen verwacht rendement en neerwaarts risico te bereiken. Om ervoor te zorgen dat de beleggingsplannen van klanten dicht bij het beoogde risicoprofiel blijven, monitort VIVE jouw beleggingsportefeuilles dagelijks en past VIVE herbalancering van de portefeuilles toe indien ze teveel afwijken van dat risicoprofiel. De feitelijke samenstelling wordt dan in lijn gebracht met de strategische portefeuille behorende bij het beleggingsplan op het moment van herbalancering.

In welke beleggingscategorieën wordt het geld belegd?

De beleggingscategorieën die in aanmerking komen voor de optimale portefeuille dienen een positieve verwachte risicopremie te hebben die wetenschappelijk onderbouwd is.

VIVE kan op basis van de beleggingsovertuigingen de portefeuilles invullen met de volgende beleggingscategorieën:

  • Geldmarktbeleggingen in euro's;
  • Staatsleningen in euro's of afgedekt naar de euro;
  • Investment Grade bedrijfsleningen in euro of afgedekt naar de euro;
  • Aandelen wereldwijd, in volwassen markten en opkomende markten;
  • High Yield bedrijfsleningen, d.w.z. bedrijfsleningen met lagere kredietkwaliteit dan Investment Grade klasse.

VIVE bepaalt voor elke categorie een representatieve indexreeks, die wordt gebruikt om de statistische kenmerken in het Economisch Scenario Generator-model van VIVE Technology te bepalen. Deze kenmerken bepalen de mate van risicospreiding over categorieën.

Hoe selecteert VIVE de fondsen voor elke activaklasse?

VIVE biedt vermogensbeheer door middel van beleggingen in niet-beursgenoteerde beleggingsfondsen ('fondsen') aan. VIVE belegt niet in eigen fondsen maar maakt gebruik van fondsen van derden; dit voorkomt ongewenste belangenverstrengeling.

VIVE selecteert fondsen van derden op basis van de volgende criteria:

Liquide:
De portefeuille is opgezet met niet-beursgenoteerde open-end beleggingsfondsen die dagelijks verhandelbaar zijn.

Hoge mate van risicospreiding:
Er is een brede spreiding binnen het fonds: er zijn voldoende namen in elk beleggingsfonds en er wordt ervoor gezorgd dat geen enkele individuele belegging een te grote allocatie binnen het fonds heeft, zowel qua weging in euro's als in termen van risicogewicht. Dit wordt getoetst door een 5% worst case scenario toe te passen op de twee grootste posities in de portefeuille en te controleren of deze de Value at Risk van de betreffende beleggingscategorie niet overschrijdt. Bij overschrijding voldoet het fonds niet aan het risicospreidingscriterium en komt het niet in aanmerking voor selectie.

Lage kosten:
De lopende kostenfactor (OCF) moet laag zijn. Dit wordt getoetst door de OCF van een te selecteren fonds te vergelijken met de mediaan van de OCF van vergelijkbare fondsen. De hoogte van een eventuele instapvergoeding of uitstapvergoeding moet marktconform zijn.

Het niveau van ESG:
VIVE is van mening dat beleggen een verantwoordelijkheid met zich meebrengt die breder is dan alleen een financiële fiduciaire plicht; de effecten op leefomgeving, sociale relaties en goed ondernemingsbestuur (ESG) dienen daarom een integraal onderdeel te zijn van de beleggingsstrategie. Het integreren van ESG-criteria heeft toegevoegde waarde vanuit een risico/rendementperspectief. VIVE selecteert in principe alleen fondsen met een ESG-beleid. Als er voor een specifieke beleggingscategorie geen fonds met een dergelijk ESG-beleid beschikbaar is, kan VIVE overwegen om een fonds toe te voegen dat niet aan de ESG selectiecriteria van VIVE voldoet, indien de verbetering van de rendement-risicoverhouding voor de klant aanzienlijk is. In dat geval wordt specifiek vastgelegd en aan klanten gecommuniceerd hoe van VIVE's uitgangspunt voor ESG-beleid wordt afgeweken en waarom VIVE het in het belang van klanten vindt dat het betreffende fonds onderdeel kan zijn van klantenportefeuilles.

Passend mandaat van het instrument:
De benchmark van het fonds komt redelijk overeen met de representatieve indexreeksen waarop de statistische kenmerken zijn gebaseerd; de tracking error tussen de twee indices zal naar verwachting niet meer dan 1% bedragen. Dit gaat over twee indexreeksen. De indexreeks waarop de statistische kenmerken zijn gebaseerd, verwijst naar de indexreeks die gebruikt is om de parameters in het Economisch Scenario Generator-model te bepalen. De andere indexreeks, uit de benchmark, betreft de benchmark van het fonds. Het beleggingsuniversum en de risicobeperkingen dragen bij aan voldoende risicospreiding. Bij een indextracker zorgt de replicatiemethode voor een goede aansluiting op de benchmark (bijvoorbeeld volledige replicatie). De stijl van beheer van het fonds is waar mogelijk passief en verantwoord.

Goede kwaliteit vermogensbeheerder:
De vermogensbeheerder heeft een bewezen track record (d.w.z. heeft aangetoond dat het vermogensbeheer in de betreffende vermogensklasse betrouwbaar wordt uitgevoerd), heeft het eigen risicobeheer op orde en heeft een stabiele organisatie. VIVE stelt specifiek een ISAE 3402 certificaat als criterium. De stabiliteit van de organisatie wordt gecontroleerd door onder meer te kijken naar het personeelsverloop zowel van de organisatie als geheel als binnen de groep beleidsmakers.

Geschikt en toegestaan voor particuliere beleggers binnen de Europese Unie:
Het fonds heeft de ICBE-status (UCITS) en voor het fonds is het Essentiële Beleggersinformatiedocument (EBI, in het Engels: KIID) beschikbaar in de Engelse taal en in de taal van het land waar VIVE de app aanbiedt. Dit betekent dat de EBI in de Nederlandse taal beschikbaar is voor de fondsen die worden gebruikt voor klanten in Nederland.

Fondsen met effectenuitleen en onnodig gebruik van derivaten moeten worden vermeden:
VIVE heeft een sterke voorkeur voor fondsen zonder effectenuitleen en zonder gebruik van derivaten (zoals total return swaps). VIVE acht het toevoegen van tegenpartijrisico door het uitlenen van effecten onwenselijk, omdat dit geen transparante bron van risico is voor de klant. Het gebruik van derivaten in een fonds brengt extra risico's met zich mee die niet duidelijk kunnen worden begrepen door niet-professionele beleggers. Als een fonds zonder effectenuitleen of derivatengebruik niet beschikbaar is voor een specifieke beleggingscategorie, maar de verbetering van de risico-rendementverhouding voor de klanten van VIVE aanzienlijk is, kan VIVE toch overwegen om dit fonds toe te voegen. In dat geval zal specifiek worden vastgelegd en aan klanten worden gecommuniceerd op welke wijze wordt afgeweken van het principe van VIVE voor het uitlenen van effecten en derivaten, en waarom VIVE het in het belang van klanten acht dat het betreffende fonds deel kan uitmaken van klantenportefeuilles. Uitgesloten zijn fondsen die gebruik maken van zogenaamde exoten (custom derivaten).

Hoe worden beleggingsplannen gemaakt?

VIVE helpt klanten beleggingsdoelen te stellen op basis van voorkeuren die klanten specificeren en binnen het risicotolerantieprofiel van de klant op basis van de door de klant aangegeven risicoacceptatie. Via een softwarematig vastgelegde procedure wordt vervolgens voor elk doelplan een optimale beleggingsstrategie afgeleid. Deze strategie is een zogenaamde lifecycle-strategie: het 'beleggingsrisico wordt kleiner naarmate de einddatum nadert'.

VIVE bepaalt een optimale beleggingsportefeuille binnen het risicoprofiel van de klant. VIVE zorgt voor portefeuilleoptimalisatie en herbalancering na aanpassing van de risico-rendementskenmerken van de onderliggende beleggingscategorieën. De optimale portefeuilles en prognoses voor het mediaanscenario en het slechtweerscenario zijn gebaseerd op een economische scenarioset die driemaandelijks wordt gegenereerd door het Economisch Scenario Generator model.

De beleggingsplannen worden uitgevoerd door voor elk beleggingsplan te beleggen in een optimale portefeuille behorende bij het risiconiveau dat de klant heeft aanvaard bij het opstellen van het plan (of laatste herziening van het plan). VIVE gebruikt dezelfde consistente portefeuilleoptimalisatie om de beleggingsmix in de verschillende soorten beleggingsplannen in te vullen.

De portefeuilleoptimalisatie met de beleggingscategorieën die in aanmerking komen, vindt plaats door op elk gewenst Value-at-Risk (VaR)-niveau de portefeuille te kiezen met het hoogste verwachte rendement (mediaanscenario) op basis van een realistisch scenario op 1-jaarbasis. VIVE gebruikt een robuuste optimalisatietechniek om de impact van uitbijters te minimaliseren. Het VaR-niveau wordt bepaald als het 5%-percentiel van de kansverdeling van portefeuillerendementen.

Onderdeel van de diensten van VIVE is het herbalanceren van de portefeuilles in de beleggingsplannen die door de klant zijn gemaakt. Verschillen tussen de feitelijke portefeuille en de strategische portefeuille voor het beleggingsplan van de klant kunnen ontstaan door prijsontwikkelingen en verandering van de strategische portefeuille. Het doel van herbalanceren is om de feitelijke portefeuille af te stemmen op de strategische portefeuille die op dat moment bij het specifieke beleggingsplan hoort.