Privacy Policy

Effective date: 05/03/2026

Rivo ("Rivo," "we," "our," or "us") is committed to protecting your privacy and ensuring transparency in how we collect, use, and safeguard your personal information. This Privacy Policy explains our data practices and your rights regarding your information.

I. Information We Collect

When you use Rivo's services, we collect different types of information, including:

a. Information You Provide Directly

• Account Information: When you sign up, we collect your name, email address, phone number, and password.
• Financial Information: If you connect a bank account via Plaid, we collect relevant financial data such as balances, transactions, and account details.
• Identity Verification: If required by regulatory compliance (e.g., KYC/AML), we may collect government-issued IDs and other identity verification data.
• Communication Data: If you contact us via email, chat, or support, we collect the information necessary to assist you.

b. Information Collected Automatically

• Device Information: IP address, browser type, operating system, and device identifiers.
• Usage Data: Clicks, app interactions, feature usage, and timestamps for improving service performance.
• Cookies & Identifiers: We use cookies and device identifiers to maintain your session, ensure account security, and perform internal app analytics. We do not use these technologies to track your activity across third-party apps or websites, nor do we share them with data brokers.

c. Third Party Information

• Banking & Liability data: We use various third party partners to securely access your financial information. By using Rivo, you acknowledge that their Privacy Policy also applies.
• Third-Party Services: If you link external financial accounts or services, we may receive related data per your authorization.

II. How We Use Your Information

We use collected data to:

• Provide, personalize, and improve Rivo's services.
• Analyze financial data to optimize cash management.
• Facilitate secure money movement between accounts.
• Detect fraud, ensure security, and comply with regulations.
• Communicate updates, insights, and customer support.
• Conduct research and product development.

III. Sharing and Disclosure of Information

We do not sell or share your personal information for advertising purposes. However, we may share data under these conditions:

• With Third Party Partnered Financial Institutions: To facilitate secure account linking and financial transactions.
• With Service Providers: We share information with trusted third-party vendors who provide essential services such as hosting, security, and customer support.
• With Legal & Regulatory Authorities: If required by law, fraud prevention, or to enforce policies.
• With Your Consent: In cases where explicit consent is needed for data sharing.

IV. Security and Data Protection

We implement robust security measures to protect user data, including:

• End-to-End Encryption: Financial data is encrypted in transit and at rest.
• Secure API Connections: All data exchanges occur over encrypted channels.
• Access Controls: Role-based access and multi-factor authentication for sensitive actions.

V. Data Retention

We retain personal data only as long as necessary for service delivery, legal compliance, and security purposes. For example, identity verification data is retained for at least five years after account closure to comply with financial regulations.

VI. Your Privacy Rights

Depending on your jurisdiction, you may have rights to:

• Access & Portability: Request copies of your data.
• Correction: Update inaccurate personal information.
• Deletion: Request account/data deletion.
• Opt-Out: You may limit the collection of data for non-essential analytics. Note: Rivo does not engage in "tracking" as defined by Apple's App Tracking Transparency (ATT) framework.

To exercise these rights, email privacy@rivofi.com.

VII. Regulatory Compliance and Jurisdiction

Rivo complies with relevant financial regulations including KYC and AML through our partnerships. We may process and store data in the United States and other countries where we or our service providers operate. By using the Services, you consent to such transfers, subject to applicable law.

VIII. Changes to This Privacy Policy

We may update this Privacy Policy as needed. Changes will be communicated via email, app notifications, or banners on the Site. This Privacy Policy is governed by the laws of Delaware. Disputes relating to it will be resolved in accordance with our Terms of Service.

IX. California Privacy Rights: CCPA, CPRA

If you are a California resident, you have certain rights under California law. In addition to the disclosures above:

• Information We Collect: We collect identifiers (like name and email), financial information (like account details), device/usage data, and related categories as described in this Policy.
• Use of Information: We use this information to provide and improve services, comply with law, detect fraud, and communicate with you.
• Disclosures: We do not sell your personal information. We may share it with service providers, financial partners, or regulators as needed.
• Your Rights: You may request to know, correct, or delete your information, opt out of certain uses, or limit use of sensitive information. You will not be discriminated against for exercising your rights.
• How to Exercise: Contact us at privacy@rivofi.com. We may verify your identity before fulfilling requests.

X. Contact Us

For questions about this policy, reach out to:

Email: privacy@rivofi.com

Frequently Asked Questions

Do I have to switch banks to use Rivo?

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.

How is this different from a High Yield Savings account?

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.

Is this ‘Investing’? Am I taking a market risk?

Yes, Rivo is a brokerage-based product. Your cash is automatically invested in short-duration U.S. Treasury Bills. While these are backed by the federal government and remain independent of equity market swings, they carry standard fixed-income risks. Fluctuations in interest rates may affect value if assets are liquidated before they mature.

Can I pause or stop Rivo’s automation?

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

Can I set a minimum balance for my checking account?

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