PLEASE READ CAREFULLY THE FOLLOWING TERMS OF USE (THE “TERMS“). THESE TERMS CONTAIN IMPORTANT NECESSARY INFORMATION REGARDING YOUR RIGHTS AND OBLIGATIONS, AS WELL AS CONDITIONS, LIMITATIONS, AND EXCLUSIONS. BY ACCEPTING THESE TERMS AND/OR USING THE APP, YOU COMMIT TO COMPLY WITH THEM FULLY.

These Terms are a legal agreement between you (the “Client” or “you“) and RIV Technologies FZE, a company incorporated under the laws of UAE with headquarters in The Offices 3 – One Central, Dubai World Trade Center (the “Company” or “we“).

RIV Technologies FZE forms part of RIV Group, whose parent company is RIV Capital LP SCSp, a limited partnership holding established in Luxembourg with the primary objective to enhance its shareholder’s wealth through capital investments.

Upon execution of this Agreement, a copy of the signed Client Agreement will be sent to the Client via the email address provided at the time of registration. Clients are advised to retain a copy for their records.

We reserve the right to make amendments to these Terms or any other Additional Policy (the “Amendments“) at any time in our sole discretion by posting such updated documents on the App or by informing the Clients directly. The Amendments are effective from the date they are published or the different date as communicated by the Company. You will be notified at least thirty (30) calendar days prior to any changes in these Terms taking effect. Your use of the App or any other features after the Amendments have been published or patches and updates have been released shall be deemed your acceptance of such Amendments and patches or updates. If you do not agree with the Amendments, you may terminate your contractual relationship with the Company (provided that there are no outstanding obligations on your side to be performed by you to the benefit of the Company or the Company’s beneficiaries), but you must stop using any features and do not access the App or use any related services.

The services involves the detailed analysis of individual Virtual Assets (VAs), which are digital representations of value or contractual rights that can be transferred, stored, or traded electronically. Examples of VAs include cryptocurrencies like Bitcoin, Ethereum, and other digital tokens.

The collected data will be analyzed to assess the potential risks and rewards associated with the VA. This may involve evaluating the VA’s market capitalization, liquidity, use cases, security features, and the credibility of the issuing entity.

The VA will be evaluated against predefined criteria and key performance indicators (KPIs) to determine its suitability for investment. This evaluation will take into account the Client’s investment objectives, risk tolerance, and financial situation.

Based on the analysis and evaluation, RIV Technologies will provide the Client with a recommendation regarding the investment in the specific VA. This recommendation will include an assessment of the potential benefits and risks, as well as guidance on how the VA fits into the Client’s overall investment strategy.

The recommendation may also include advice on the timing of the investment, the appropriate allocation within the Client’s portfolio, and any other considerations relevant to the decision-making process.

If the Client decides to invest in the recommended VA, RIV Technologies may offer ongoing monitoring services to track the performance of the VA and provide updates or revised recommendations as market conditions change.

RIV Technologies will gather relevant data and information about the specific VA under consideration. This may include market trends, historical performance, technological features, regulatory environment, and other factors that could impact the VA’s value and stability.

The collected data will be analyzed to assess the potential risks and rewards associated with the VA. This may involve evaluating the VA’s market capitalization, liquidity, use cases, security features, and the credibility of the issuing entity.

The VA will be evaluated against predefined criteria and key performance indicators (KPIs) to determine its suitability for investment. This evaluation will take into account the Client’s investment objectives, risk tolerance, and financial situation.

Based on the analysis and evaluation, RIV Technologies will provide the Client with a recommendation regarding the investment in the specific VA. This recommendation will include an assessment of the potential benefits and risks, as well as guidance on how the VA fits into the Client’s overall investment strategy.

The recommendation may also include advice on the timing of the investment, the appropriate allocation within the Client’s portfolio, and any other considerations relevant to the decision-making process.

The final decision to invest in the recommended VA rests with the Client. RIV Technologies’ role is to provide informed advice and analysis to assist the Client in making an educated investment choice.

This service involves advising Clients on the selection, allocation, and management of a portfolio of Virtual Assets. The goal is to create a balanced and diversified portfolio that aligns with the Client’s investment objectives, risk tolerance, and financial goals.

RIV Technologies will first assess the Client’s investment objectives, risk tolerance, and financial situation through a comprehensive questionnaire or consultation. This assessment helps in understanding the Client’s preferences and requirements for their VA portfolio.

Based on the Client assessment, RIV Technologies will design a customized VA portfolio that includes a mix of different Virtual Assets. The portfolio design will consider factors such as asset diversification, potential returns, market trends, and the risk profile of each VA.

RIV Technologies will recommend specific Virtual Assets for inclusion in the portfolio. The selection process will involve analyzing various VAs based on their market capitalization, liquidity, technological features, regulatory compliance, and other relevant criteria.

RIV Technologies will advise on the allocation of funds among the selected Virtual Assets. The allocation strategy aims to optimize the balance between risk and return, taking into account the Client’s investment horizon and risk tolerance.

Advice is deemed given only when the client receives a Digital Suitability Statement (DSS) in the format described in the Advisory Services Activities Policy.

As a Client, you agree to provide accurate and complete information as requested by RIV Technologies for the purpose of delivering the Services.

As a Client, you agree to comply with all applicable laws and regulations related to Virtual Assets and Blockchain technology.

The Performance Fee of 15% will be applied on gains exceeding 10%, calculated on a monthly basis. For each month, the Client’s portfolio value at the start and end of the month will be determined based on custodian or exchange statements provided by the Client. RIV Technologies does not have access to or custody of Client assets.

The Performance Fee will be invoiced only after verification by RIV Technologies’ Compliance function and confirmation with the Client. Payment is made directly by the Client to RIV Technologies’ corporate account via wire transfer, after RIV Technologies FZE will have invoiced the client.

Performance fees are invoiced only once the performance threshold has been verified internally by RIV Technologies’ Compliance function and confirmed with the Client.

RIV Technologies does not execute trades or hold Client funds. Monitoring is conducted through periodic portfolio reports issued by regulated custodians or exchanges. Once performance has been validated, an invoice is issued, and the Client remits payment directly to RIV Technologies’ corporate account.

All fees will be clearly communicated to Clients before services are provided. A detailed invoice will be sent before any charge is deducted.

The fees for our advisory services will be communicated to you in advance and may be subject to change. Any changes to the fees will be notified to you in writing.

Payment for the Services shall be made in accordance with the payment terms agreed upon between RIV Technologies and the Client.

RIV Technologies is committed to maintaining the confidentiality of the Client’s information. RIV Technologies will not disclose any confidential information to third parties without the Client’s consent, except as required by law or regulatory authorities.

Investments in Virtual Assets are subject to market risks, and the value of the assets may fluctuate. Clients should make their investment decisions based on their own assessment and not solely on the advice provided by RIV Technologies. Neither Clients’ virtual assets nor Clients’ money benefit from any form of deposit protection.

RIV Technologies shall not be liable for any direct, indirect, incidental, or consequential damages arising out of the use of our Services, except to the extent such liability is imposed by law.

Either party may terminate the agreement for the provision of Services with written notice to the other party.

Upon termination, the Client shall pay any outstanding fees owed to RIV Technologies.

These Terms shall be governed by and construed in accordance with the laws of Dubai, United Arab Emirates, without regard to its or any other jurisdiction conflict of law’s provisions that would cause the application of the laws of any other jurisdiction.

If a dispute arises between you and the Company, please use the friendly resolution mechanism we may provide. In any case, any dispute arising directly or indirectly out of these Terms or any Additional Policy shall be subject to the exclusive jurisdiction of the courts of the Dubai International Financial Center. Notwithstanding the foregoing, the Company may initiate preliminary injunction proceedings before any other competent court at its sole discretion.

These Terms represent the complete agreement between you and the Company and replace all prior agreements and representations, warranties, or understandings between you and the Company concerning the same subject matter. If you enter or have entered into any separate agreements with us in respect of any additional services, such agreement(s) and these Terms shall both apply. To the extent that there is any conflict between the terms of any such agreement and these Terms in relation to such additional services, the provisions of the relevant agreement will prevail, save that any provision of these Terms will prevail where it is necessary or desirable for it to do so in order for us to comply with applicable law and regulations.

If any provision of these Terms is held to be unenforceable for any reason, such provision shall be reformed only to the extent necessary to make it enforceable, and the remaining provisions of these Terms shall remain in full force and not be affected.

In the delivery of its services, RIV Technologies may engage regulated third-party service providers. A full list or description of such parties and their roles will be made available upon request and is kept up-to-date at the following link: https://riv-technologies.com/advisory/service-providers (“Service-Provider List”).

By entering this Agreement you acknowledge that you have reviewed the Service-Provider List and consent to RIV Technologies’ use of the listed third-party providers.

Clients may refer to the following documents for further details on policies and procedures related to the services provided:

The language of these Terms is English, and any translations are provided only after a specific request.

If you have any questions concerning these Terms, you may contact us at info@riv-technologies.com.