Terms and Conditions

Welcome to Rive, operated by EFINGEN TECHNOLOGIES PRIVATE LIMITED. These Terms and Conditions ("Terms") govern your use of our financial services platform and mobile application. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account, downloading our mobile application, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

2. Eligibility

To use Rive services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information during registration
• Comply with all applicable laws and regulations
• Not be prohibited from using financial services under applicable law

3. Account Registration and Security

When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as necessary
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

4. Services Offered

Rive provides various financial services including:

• Bill payments and utility recharges
• Money transfers and remittances
• Travel booking services
• Digital wallet services
• Other financial and lifestyle services

5. User Responsibilities

You agree to:

• Use our services only for lawful purposes
• Provide accurate information for all transactions
• Comply with all applicable laws and regulations
• Not engage in fraudulent or unauthorized activities
• Not attempt to circumvent security measures
• Report any suspicious activities or security breaches

6. Prohibited Activities

You may not:

• Use our services for money laundering or terrorist financing
• Engage in fraudulent transactions or activities
• Violate any applicable laws or regulations
• Interfere with or disrupt our services
• Attempt to gain unauthorized access to our systems
• Use our services to harm others or engage in illegal activities

7. Fees and Charges

We may charge fees for certain services. All applicable fees will be clearly disclosed before you complete a transaction. Fees are subject to change with prior notice. You are responsible for all fees and charges associated with your use of our services.

8. Transaction Limits

We may impose limits on transaction amounts, frequency, and other parameters in compliance with regulatory requirements and risk management policies. These limits may vary based on your account verification level and transaction history.

9. Dispute Resolution

In case of any disputes, we encourage you to contact our customer support first. If the dispute cannot be resolved through customer support, it will be subject to arbitration under Indian law, with the seat of arbitration in Bengaluru, Karnataka.

10. Limitation of Liability

To the maximum extent permitted by law, Rive and EFINGEN TECHNOLOGIES PRIVATE LIMITED shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

11. Refunds & Cancellation Policy

Our refund policy includes the following conditions:

• No General Refunds: Once a payment is successfully processed, it cannot be cancelled or refunded
• Technical Failure Refunds: Refunds will only be processed if the payment fails due to technical issues on our platform
• Source Account Refund: Any eligible refunds will be credited back to the original payment source
• Processing Time: Refunds, when applicable, may take 5-7 business days to reflect in your account
• Third-Party Services: For services provided by third parties (travel, utilities), their respective cancellation policies apply

For any issues or disputes regarding transactions, please contact us immediately at support@rive.money with your transaction details and we will investigate the matter promptly.

12. Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms, suspicious activity, or as required by law. You may also terminate your account by contacting our customer support.

13. Changes to Terms

We may update these Terms from time to time. We will notify you of any material changes through our app or website. Your continued use of our services after such changes constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of India. Any disputes arising from these Terms or your use of our services shall be subject to the exclusive jurisdiction of the courts in Bengaluru, Karnataka.

15. Contact Information

If you have any questions about these Terms and Conditions, please contact us: