This website is owned by Rivpe Technology Private Limited (“Company”, “We”, “Us”, “Our”, “Rio”) which term shall include its operators, partners, successors, subsidiaries and/or affiliates.  
These Terms of Service are the terms (“Terms”) on which you may make use of our website www.rio.money  and the associated mobile and software applications (collectively called “Platform”).
By accessing, downloading, using the Platform, you agree to be bound by these Terms. We reserve the right to modify any Terms, at any point in the future, without prior notice to you. Your continued usage of the Platform will serve as your acceptance of the revised Terms.   

You must read these Terms, any other Service specific terms, in conjunction with our Privacy Policy which governs the collection and processing of personal data, and the know your customer policy which sets out the terms regarding identity verification of our Users and the procedures followed for identification and reporting of prohibited/illegal activities.   
“Card”- Any physical or virtual card (credit/debit/prepaid) which has been issued by a regulated financial institution being issued or used on the Platform.
“Cardholder” means an individual who has been issued the Card and is a registered User on the Platform;
“Card Terms” shall mean the terms of Partner Bank.
“Content” means any information, text, graphics, or other materials uploaded by the Company or the Users, which is accessible on the Platform.
“Licensee, Partner or Operator” refers to any and all parties that are authorised by the Company, including but not limited to legal persons, corporate organizations and/or third-party service providers to provide Services and are responsible for such services.
“Payment System Provider” means the banks and other financial institutions (as defined in the Payments and Settlement Systems Act, 2007) with whom the Company has agreed to facilitate Payment Transactions.
“Partner Bank” means and includes any partner Bank which Company has or will partner with, towards offering any or all of the Services.
Refund, Repayment and Cancellations with respect to any transaction will be as per terms of Partner Bank
Reward means such terms as provided by the Company from time to time and communicated via Platform.
“Sanctions Lists” has the same meaning ascribed under the law.  
“User” is any natural or juristic person who applies on the Platform to avail the Services. Users may also be referred to as “you” or “your”.   
The Company via its Platform allows a User the following services, either directly or via a Partner Bank or any contracted 3rd party, which term mean and includes features available on the Platform, collectively referred to as the “Services”:
Online Savings Account
Online Salary Account
Credit, Debit, Prepaid, Gift Cards
United Payments Interface (UPI)
Quick Response Codes (QR codes)
Company Rewards
Online Money Transfer
Spend Analyzer (Insights)
Financial Aggregation (Networth)
Credit Bureau and Scores
Insurance Products/Services (as permitted by IRDA)
Ecommerce transactions
Advisory Services
Any other product/service offered by Company, as and when launched.

We are committed to safeguarding the Platform, as much as possible. For that reason, we reserve the right to make changes to the Platform for maintenance at any time. We do not warrant that your use of the Platform will always be available/ uninterrupted and only strive to provide you with a minimum downtime. We may suspend, withdraw, discontinue, or change all or any part of the Platform without notice.
You agree not to: circumvent, remove, degrade, deactivate, or thwart any of the contents of our service; use any robot, spider, scraper, or other means to access our service. You also agree not to decompile, reverse engineer, and disassemble any software or other products or processes accessible through our service. Additionally, you agree not to upload, post, e-mail or otherwise send or transmit any material designed to interrupt, destroy, or limit the functionality of our service. We may terminate or restrict your use of our service if you violate these Terms or engage in any illegal or fraudulent use of our service.  
There may be legal requirements or restrictions, at any time, which may restrict some or all of the Services that the Platform offers or prevent the same being offered to a User, hence the Company will take relevant action in its discretion at any such event occurrence at no liability to a User. You shall be responsible for informing yourself about and observing any restrictions and/or requirements imposed with respect to the access to and use of the Platform and the Services in each country from which the Platform and the Services are accessed by you.
You understand that the Company provides Services via Partner Bank, terms of which Partner Bank will continue to apply for use of Services on the Platform. All such terms are provided on the Platform via hyperlinks which you should read and stay updated on.

While you can register to the Services, via the Platform and an account will be created with your details, to access any Service, you must activate your account (“User Account”) by following the identity verification process of Know Your Customer (“KYC”) and other requirements as specified through the user journey and onboard as per Company policy and applicable law.  You are responsible for safeguarding your account and You agree not to disclose your password to any third party. You agree that you will be solely responsible for any activities or actions taken under your password, irrespective of whether You have authorized such activities or actions. You will immediately notify us of any unauthorized use of your password or your account, upon becoming aware of any such discrepancy, by writing to us at gro@rio.money. Without limiting any other terms of this Terms, you may not use false identities or impersonate any other person or use a username or password that You are not authorized to use.  The KYC process will be done at frequency as mandated by law.
You have read the Privacy Policy of the Company and consent to sharing information as required from time to time for relevant process compliance with any credit Bureau by the Company and analysis by the Company of such report to provide Services to you via the Platform.
You represent and warrant that: (A) you are competent to contract i.e. (i) if you are an individual, that you are over eighteen years of age or have attained the age of majority as per applicable law, or (ii) that if you are registering on behalf of any entity, that you are authorized to enter into, and bind the entity to, these Terms and register for the Services, in accordance with the applicable laws including applicable laws of the jurisdiction you are a resident of and (B) you are: (i) not included in any Sanctions Lists; (C) your membership has not been suspended or terminated by us for any reason whatsoever; and (D) your use of Services will not violate any and all laws and regulations applicable to you. The Company may require You to submit or execute any document as required under law at any time with respect to contents hereof.  
Note in the event you are a legal entity or representing any legal entity, you are also required to inform the Platform so relevant requirements are complied with by you.  You are prohibited to use the Services for resale or commercial purposes, including transactions on behalf of other persons or entities.
If we change the eligibility criteria for our Services and you no longer comply with the new eligibility criteria, we may close your Account without any liability for us. You are solely responsible for ensuring that you are in compliance with these Terms and with all laws, rules, and regulations applicable to you. We are not liable for any losses or other consequences of unauthorized use of your account.

Your use of our Platform and Services shall only be for legal purposes and your activity on our systems shall be in line with the applicable laws.  
You shall comply with all the obligations set forth in these Terms and all consents made by you during the application process.  
Creation and maintenance of all Content in your Account shall be your sole responsibility.
You are responsible for safeguarding your Account Information to access the Services and for any activities or actions under your Account. We encourage you to use “strong” passwords preferably using a combination of upper- and lower-case letters, numbers and symbols with your Account. The Company will not be liable for any loss or damage arising from your failure to comply with this instruction.  
You shall provide us with only such information (including without limitation identification documents submitted by you) that is true and accurate.
You shall not cancel any orders initiated even if not executed on the exchange. In case any order is partially executed, we may in our sole discretion permit cancellation of the unexecuted order part of that order. You acknowledge that all orders and/or transactions are irreversible once executed.

Unless otherwise specified, all Content on the Platform is validly owned, or licensed to the Company and are protected under the applicable copyright, trademark, design, and other applicable laws. All logos, trademarks, service marks and logos of the Company and others used on the Platform, displayed on the website, (“Trademarks”) are validly owned, or licensed to the Company and their respective owners. You may not copy, imitate or use them without our prior written consent.
The Platform may at places include third party intellectual property including the software used for creating or distributing. The Company is operating these services, properties, by way of valid and effective contractual arrangements, which are binding on the Company, and by extension you, are bound by such restrictions. You are permitted to only use such limited license rights to use, access, download the Platform and Services, for your personal and non-commercial use only. Any commercial use will require a license to be negotiated with the Company.   
The Content on the Platform is provided for general information only and is not to be treated as investment advice. You may seek any professional advice from such persons who are skilled, licensed to render advice to you on the service offerings made available by us to you. We act only as a technology enabler.  
You are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance, and any guidance you may have received from external sources.
You expressly acknowledge and agree that use of the Services and the Platform is at your sole risk. The Services and the Platform are provided on an "as is" and "as available" basis. Although we make best efforts to provide high quality Services to all our users, to the fullest extent allowed by law, we expressly disclaim and waive all warranties and conditions of any kind, whether express or implied, including, but not limited to the warranties of merchantability, title, fitness for a particular purpose and/or non-infringement. We make no warranty that the Services or the Platform will meet your requirements or that the Services or your access to the Platform will be uninterrupted, timely, accurate or reliable; nor do we make any warranty as to the permanent availability of any information and/or that may be stored or transferred through the Services or the Platform.  
To the maximum extent permitted by law, we will not be liable in any way for any loss or damage suffered by you through use of or access to this website, or our failure to provide this website. Our liability for negligence, breach of contract or contravention of any law as a result of our failure to provide this website or any part of it, or for any problems with this website, which cannot be lawfully excluded, is limited, at our option and to the maximum extent permitted by law, to resupplying this website or any part of it to you, or to paying for the resupply of this website or any part of it to you.
Subject to applicable law, we, our subsidiaries, affiliates, its shareholders, its directors, officers, employees, representatives, contractors, suppliers shall not be liable for any incidental, special, punitive, consequential or similar damages or liabilities whatsoever arising out of Services, any performance or non-performance of Services or any product provided by us, whether under contract, statute, strict liability or other theory even if we,  our subsidiaries, affiliates are advised of the possibility of such damages.
Our aggregate liability (including our subsidiaries, affiliates, its shareholders, its directors, officers, employees, representatives, contractors, suppliers)to any user in no event shall exceed the fees paid by such user during the 6 (six) months immediately preceding the date of claim for any direct, indirect or consequential loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with your usage of the Services offered on the Platform.
Notwithstanding anything to the contrary, we shall not be obligated to make any payment or take any other action under these Terms if we believe in good faith that such action may constitute a violation, or contribute to any violation, of any applicable law and we shall not be liable to you for any claims, losses, or damages arising from our exercise of its right provided herein.  
To the maximum extent permitted by Applicable Law, you shall indemnify and hold harmless us, our affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out or relating to (a) your use of our Services, (b) your breach of these Terms, or (c) your violation of any law, rules or regulations or the rights (including infringement of intellectual property rights) of a third party.  
To the maximum extent permitted by Applicable Law, you hereby release and waive all claims against the Company, and its subsidiaries, affiliates, officers, agents, licensors, co-branders or other partners, and employees from any and all liability for claims, damages (actual and/or consequential), costs and expenses (including litigation costs and attorneys' fees) of every kind and nature, arising from or in any way related to your use of the Platform, its Services or Content. In addition, you expressly waive and relinquish any and all rights and benefits which you may have under any other national, state or common law principle of similar effect, to the fullest extent permitted by law.
If we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations.  

We reserve the right to suspend, block, cancel or reverse a transaction and/or refuse to continue access to the Platform are (even if even after funds have been debited from your User Account) if we discover that you are in breach of the Terms and Applicable Law.  

Assignment: You shall not assign or transfer any right or obligation that has accrued to you under these Terms, and any attempt by you to assign or transfer such rights and obligations, shall be null and void. We may assign, novate, or transfer any or all rights and obligations that accrued in our favor under these Terms, at our sole discretion, to our subsidiaries, affiliated entities, or any other third party without any restriction.
Force Majeure: Due to network delay, computer system failures and other force majeure, which may lead to delay, suspension, termination or deviation of execution of Service, we will use reasonable effort to ensure but not promise that Service runs stably and effectively.
Inactivity in User Account. In the event of your inactivity/ inaction on the User Account for a considerable period of time, as per applicable law, we will suspend the same and reactivate we will need validation and/or re-KYC.  
Amendments. We may revise these Terms, with or without notice, from time to time by amending this page. We urge you to review this page from time to time to take notice of any changes that are made, as they shall be binding on you. Your continued use of the Services would be deemed to be your acceptance to be bound by these Terms. If you do not agree with any part of these Terms or any amendments thereof, we insist that you stop using the Platform and Services with immediate effect.
Governing Law. These Terms are governed by the laws of India.  
Dispute Resolution. In the case of disputes, controversies or claims involving the Company, you and the Company agree to resolve any claims relating to this Agreement (including any question regarding their existence, validity, termination, or any services or products provided, and any representations made by us) through final and binding arbitration. You agree to first give us an opportunity to resolve any claims by contacting us on our website / mobile / desktop applications. If we are not able to resolve your claims within 60 days of receiving the notice, you may seek relief through arbitration under any online institutional arbitration forum constituted in India.   
Severability. If any portion of these Terms is held invalid or unenforceable, such invalidity or enforceability will not affect the other provisions of these Terms, which will remain in full force and effect, and the invalid or unenforceable portion will be given effect to the greatest extent possible.

For general inquiries, customer queries, complaints and/or any feedback, please email us at customercare@rio.money
In case you do not want to continue using our Services and want to deactivate your Account or Opt-Out, please contact us at gro@rio.money.