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Terms of Service

Effective Date: 01/08/2026

These Terms of Service ("Terms") govern your use of our website and services. By accessing or using Rivo, you agree to these Terms. If you do not agree, please do not use our website.

1. Definitions

“Rivo,”, “we,” “us,” or “our” means Rivo. “Site” means rivofi.com and related subdomains. “Services” means the informational and waitlist services provided through the Site during early access. “You” means the person accessing or using the Site.

2. Acceptance of Terms

By accessing or using the site, you agree to these Terms. If you do not agree, do not use the site.

3. Acceptable Use

You agree not to: (a) reverse engineer or scrape the Site; (b) interfere with security or access controls; (c) use the Site to violate law or third-party rights; (d) submit malware, automated queries, or unlawful content; (e) attempt to access non-public areas. We may suspend or terminate access for violations.

4. Intellectual Property and Feedback

Rivo and its licensors own all rights in the Site and Services. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for its intended purpose. If you provide feedback, you grant Rivo a worldwide, perpetual, irrevocable, royalty-free license to use it without restriction.

5. No Advice

Content on the Site is for informational purposes only and is not financial, investment, legal, or tax advice. You should obtain advice from qualified professionals before making any financial decisions.

6. Third Party Services

The Site may reference or link to third-party websites, products, or services. We do not control and are not responsible for third-party content or policies. Your use of third-party services is governed by their terms.

7. Privacy

Please see our Privacy Policy for information about how we process personal data. 

8. Disclaimers

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND AVAILABILITY.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Rivo WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED US$100 OR THE AMOUNT YOU PAID TO USE THE SITE, WHICHEVER IS GREATER.

10. Changes to Terms

We may update these Terms by posting a revised version with an updated “Effective Date”. Material changes will be highlighted via banner or notice. Changes become effective upon posting. Your continued use after changes means you accept the updated Terms.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Any dispute will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Disputes must be brought individually, not as part of a class action. You may opt out of arbitration within 30 days of acceptance by emailing legal@rivofi.com with the subject line “Arbitration Opt-Out.”

12. Notices; Electronic Communications

You consent to receive notices electronically via the Site, email, SMS, or in-app notifications. Electronic communications satisfy any legal requirement that communications be in writing.

13. Assignment; Force Majeure; Survival

We may assign these Terms; you may not assign without our consent. We are not liable for delays or failures due to events beyond our reasonable control. Sections on intellectual property, disclaimers, limitations, dispute resolution, and this sentence survive termination.

14. Contact Us

For questions about these Terms, please contact us at privacy@rivofi.com.

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Frequently Asked Questions

No. Rivo works with your existing bank accounts. It connects securely through Plaid and automatically optimizes your cash without requiring you to switch banks, move direct deposits, or modify your bill pay setup.

High-yield savings accounts require you to manually transfer money in and out and remember to do it regularly. Rivo handles everything automatically. You get the yield without the work, and your money is always back in checking when you need it.

No. Your idle cash goes into short-term U.S. Treasury Bills, which are considered among the safest places to hold cash in the world. This isn't the stock market, there's no volatility risk, the interest is backed by the full faith of the US government. You're simply earning yield on government-backed securities.

Yes. You can pause, modify, or stop any automation at any time through the app settings.

Yes. You can configure a minimum threshold for your checking account, ensuring that Rivo never moves more than you're comfortable with.