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Terms of Service

Last Updated: April 8, 2026

Welcome to Riff.

These Terms of Service, also known as the Customer Agreement, are a legal agreement between you and Riff (doing business as “Riff”), a Delaware corporation. Riff, referred to as “Riff,” “we,” “us,” or “our,” governs your use of, and access to, the Services as defined herein, which include the Website, iOS and Android Applications, and other related Riff Materials.

By accessing our platform, opening, registering, or using a Riff Account, or any of our Services, you agree to be bound by this Customer Agreement and consent to receive communications related to the Services or your Riff Account in electronic format, as set forth in our Electronic Communications Delivery Policy, which also provides for E-Sign disclosures and consent. You also affirm that you are of legal age in your jurisdiction, have legal authorization to represent yourself and/or your business, and are legally capable of entering into this Customer Agreement.

You also agree to comply with the following additional policies and agreements that apply to you:

  • Our Acceptable Use Policy, which sets forth the permitted uses and prohibited uses of our Services.
  • For details on how Riff collects, uses, and safeguards your personal information, please review our Privacy Policy.
  • By accepting this Customer Agreement, you also agree to the Checkbook “User Terms”, along with any other third-party agreements necessary for Riff to provide its services.

Please read carefully all of the terms of these policies and each of the other agreements that apply to you. Your use of certain Services may be subject to additional terms and conditions, as communicated by us to you through the Service or by other means, and such additional terms and conditions are incorporated into this Customer Agreement.

This Customer Agreement contains several sections, and you should read all of them carefully. The headings are for reference only. Some capitalized terms have specific definitions that are defined in the Glossary or within this Customer Agreement. Underlined words in this Customer Agreement contain hyperlinks to further information.

If we change the Customer Agreement in a way that reduces your rights or increases your responsibilities, we will provide you with 30 days prior notice, including by posting notice on Riff’s platform. Your use of the Services following any changes to this Customer Agreement will constitute your acceptance of such changes. We may, at any time and without liability, modify or discontinue all or part of the Services, charge, modify, or waive certain fees related to the Services, or offer the Services, or certain Services, to some or all users.

About Riff

Riff is a subsidiary of Riff, incorporated in Delaware, and operates as a technology company throughout the United States, using the infrastructure of its financial partners to process Fiat (U.S. Dollar) transactions for payments. Riff does not directly handle customer interactions for Fiat collections but provides a platform that allows services to be provided by a range of partners. Riff works with various licensed partners to ensure our services reach end beneficiaries efficiently.

Our Services enable currency transfers, balance maintenance, currency conversion into other supported currencies, including conversions from stablecoins such as USDC to Fiat currencies, fund withdrawals, and the management of related financial transactions. Riff reserves the right to reject any user registration or deny any transaction instructions, including transfers, receipts, withdrawals, or conversions of funds in your Riff Account, at our sole discretion.

Riff is a software platform and is not a bank or a licensed financial institution. In order to facilitate payment and funds management services, Riff enters into contractual arrangements with partner banks and payment partners to provide platform Services. Except where required by law, customer assets held by, or transmitted through, partner banks and payment partners are not the responsibility of Riff, and Riff makes no assurances or representations with respect to any such partner bank, payment partner, custodian, or exchange. No member of Riff will be liable for any direct or indirect losses or damages realized by customers for any reason where such loss or damage is caused, directly or indirectly, by a partner bank or a payment partner.

Funds deposited into your Riff Wallet are held in pooled custodial accounts by one or more regulated financial institutions through our financial infrastructure partners. These accounts are not insured by the FDIC and may not offer the same protections as traditional deposit accounts. Riff does not itself hold or safeguard funds.

Platform Role Acknowledgment

By using the Services, you acknowledge that Riff is a technology platform and is not a party to any transaction between you and any other user, recipient, or third party. Riff facilitates access to payment services provided by third-party partners and does not hold, control, or transmit funds on your behalf. Riff does not guarantee, endorse, or assume responsibility for the performance, legality, or outcome of any transaction facilitated through the platform. Any transaction you initiate through the Services is between you and the applicable counterparty, and Riff’s role is limited to providing the technology infrastructure through which such transactions are facilitated.

Glossary

In this Customer Agreement:

  • API means the application programming interface provided by Riff.
  • Business Day means a day other than a Saturday, Sunday, or a public holiday in the United States when financial institutions are open for business.
  • Currency means any local legal tender.
  • Convert Money means any instructions you provide to Riff’s payments partners via our platform to convert, transmit, send one type of legal tender/currency, and receive another type of legal tender/currency, for you and/or your customer.
  • Cryptocurrency means Fiat-backed fully collateralized stablecoins such as USDC, subject to change.
  • Designed Account means any account you provide to Riff, to store, send, transfer, receive, and/or convert money.
  • Fiat means U.S. Dollars and/or any local legal tender backed by the sovereign authority of a nation-state.
  • Riff Account means the Riff Account on the Website you have opened with us in accordance with the terms of this Customer Agreement for use of our Services.
  • Riff Materials means any software, data, materials, content, and printed and electronic documentation developed and provided by us or our affiliates, or made available for download from our Website.
  • Partners means Riff’s partners and vendors.
  • Receive means the currency is received in the designed account.
  • Registered User means any clients or customers that have directly registered with Riff and have a direct contractual relationship with Riff. This excludes any customers of our registered user that did not register with Riff and/or do not have a direct contractual relationship with us.
  • Send means providing instructions to convert money, or other instructions to take any action on your Riff Account.
  • Services means all products, services, content, features, technologies, or functions offered by us and all related websites and services, including the Website and API.
  • Source Currency means the currency you use to fund a currency conversion.
  • Target Currency means the currency that you or your recipient will receive after you convert currency.
  • Transfer means using your Riff Account to, as part of a single or multiple transactions, upload, convert, and send currency.
  • Unauthorized Transaction means when money is sent from your Riff Account that you did not authorize and that did not benefit you.
  • Website means any webpage, including but not limited to https://useriff.app, where we provide Services to you.
  • Withdraw means providing instructions to move currency out of your account, your customer’s account, or any designed account.

Using Our Services

Opening a Riff Account

In order to use some or all of the Services, you must become a Registered User by opening an account with us and our partners, providing the requested information, and passing all onboarding requirements, checks, and screening. For legal reasons, all information you provide during the signup process or at any time thereafter must be complete, accurate, and truthful. You are responsible for keeping your mailing address, email address, telephone number, and other contact information up to date in your Riff Account profile.

We treat all activities under a Riff Account to be those of the registered user. You must only use the Services to transact on your own account. You may only open one Riff Account unless we explicitly approve the opening of additional accounts. We may refuse the creation of duplicate accounts for the same user. Where duplicate accounts are detected, Riff may close or merge these duplicate accounts without notification to you.

You will also appoint a point of contact responsible for coordinating with Riff for anything related to your Riff Account and/or Services.

Geographical Eligibility and Client Obligations

Riff’s Services are currently available only to customers operating within the United States. By using Riff, you confirm that your business operates within this geographic scope and that you understand and accept these limitations.

For compliance and safety, certain locations are not eligible to use Riff as senders. This includes residents of Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions. Other jurisdictions may be restricted or require additional review before access is granted. We are also unable to work with individuals or entities that appear on any restricted or denied party lists maintained by the United States, United Kingdom, European Union, or United Nations.

You are prohibited from using Riff and its products and services for any illegal activities or other restricted services. As a Riff customer, you agree to uphold these requirements.

Prohibited Activities

You shall not use the Riff platform or Services for any fraudulent, illegal, deceptive, or unauthorized purpose. Without limiting the foregoing, the following activities are strictly prohibited:

  • Fraud, misrepresentation, or misappropriation of funds of any kind.
  • Money laundering or terrorist financing.
  • Transmitting funds derived from illegal activity.
  • Operating an unlicensed money services business.
  • Using the Services to facilitate payments for illegal goods or services.
  • Structuring transactions to evade reporting requirements or regulatory thresholds.
  • Initiating unauthorized transactions or transactions on behalf of undisclosed third parties.
  • Using falsified, stolen, or unauthorized payment credentials or account information.
  • Any activity that violates applicable federal, state, or local law or regulation.

Violation of this section may result in immediate suspension or termination of your Riff Account, reporting to law enforcement and relevant regulatory authorities, and personal liability for all resulting damages, losses, fines, and penalties incurred by Riff or any third party. You bear sole responsibility for ensuring that your use of the Services complies with all applicable laws and regulations at all times.

User Responsibility for Transactions

You are solely responsible for all transactions you initiate, authorize, or participate in through the Riff platform, including the legality, accuracy, authorization, and completeness of those transactions. This includes ensuring that the source of funds is lawful, all recipient and beneficiary information is accurate and complete, all transactions comply with applicable laws and regulations, and you have obtained all necessary authorizations and consents for each transaction.

Riff acts as a technology platform facilitating access to payment services provided by third-party partners. Riff does not hold, control, or transmit funds on your behalf and is not a party to any transaction between you and any other user, recipient, or third party. Any legal action, claim, fine, penalty, or liability arising from your transactions, including any claim brought by a payment processor, financial institution, banking partner, government authority, or other third party, is solely your responsibility.

Account Security

You, not Riff, are responsible for maintaining adequate security and control of any and all IDs, passwords, or any other details that you use to access your Riff Account and the Services. You must never disclose your Riff Account password or your customer reference number. Riff and its employees, associates, partners, and vendors will never request your Riff Account password.

You must never let anyone access your Riff Account or watch you accessing your Riff Account. If you suspect your Riff Account, login details, password, or any other security features are stolen, lost, used without authorization, or otherwise compromised, you should change your password and contact us immediately. We may suspend your Riff Account or otherwise restrict its functionality if we have concerns about the security of the account or potential unauthorized or fraudulent use.

You must also make sure that your email account is secure and only accessible by you, since your email address may be used to reset passwords or communicate with you about the security of your Riff Account.

Initiating a Transfer

All transfer requests must be made via our API following the established protocols and guidelines. Riff will establish a cut off time during each Business Day where transfer requests will be processed in accordance with the date and time the instructions were received and confirmed. All Source Currency must be made in USD unless otherwise agreed. You will be able to see the Target Currency, exchange rate, applicable fees, and approximate processing time in your Riff Account.

Upon submitting your Transfer request, you will have two Business Days, unless otherwise agreed, to confirm the list of transactions and wire the funds to Riff for us to initiate the transfer request. Any delay or discrepancy in the wired amount received by Riff will result in a delay in initiating the transfer. If wired funds are received after the agreed business days, payments to beneficiaries will be delayed. Riff reserves the right to use the latest FX rate to complete the Transfer request, and any additional amount discrepancies caused by wire delay will be borne by you.

Once a transfer is initiated by Riff, we will not be able to make changes to the transactions, including changing the amount, delaying, canceling the transaction, changing the recipient, or changing the Target Currency.

Delay in Transfer

We do not have any control over the time it may take to complete your transfer, which is dependent on the services provided by our Partners. We may delay a Transfer in certain situations, including if we need to confirm that the withdrawal has been authorized by you or if other discrepancies arise. The completion time of your Transfer is notified to you via electronic communication upon completion of the transfer request.

Currency Conversion, Exchange Rate and Fees

The currency conversion and exchange rate shall be determined and agreed upon as specified in the contract executed during your onboarding process. That agreement will also outline any applicable fees and the cost of our services and/or products. Any change request must be made in writing 30 days in advance to Riff for consideration, and any subsequent changes must be confirmed in writing and accepted by both parties before the new effective date.

Riff is not a currency trading platform, and you should not use our Services, including the Riff Account, for that purpose. If we detect that you are using our Services for currency trading, we may limit the number of transfer requests you may create, cancel your orders, set limits on conversion or transfer amounts, restrict your ability to use features, or suspend or close your Riff Account.

Closing Your Riff Account

You may end this Customer Agreement and close your Riff Account in accordance with the agreed terms of your contract with Riff. At the time of closure, if you still have money in your account, you must withdraw your money within a reasonable period of time by following the guidance and instructions from Riff.

You must not close your Riff Account to avoid an investigation. If you attempt to close your account during an investigation, we may hold your money until the investigation is fully completed. You will continue to be responsible for all obligations related to your Riff Account even after it is closed.

Riff can close your Riff Account

Riff, in its sole discretion, reserves the right to suspend or terminate this Customer Agreement, access to or use of its Service websites, software, systems, or some or all of the Services for any reason and at any time.

Reasons we may close your Riff Account include, but are not limited to, your breach of this Customer Agreement or referenced documents, a request or direction from a court, government authority, or law enforcement agency, a belief that you are in violation of applicable law or regulation, suspected fraudulent activity, money laundering, terrorism financing, or other criminal or illegal activity, or engagement in any Prohibited Activity. We may also suspend your Riff Account if it has been compromised or used without your authorization or fraudulently.

If we close your Riff Account or terminate your use of the Services for any reason, we will provide notice of our actions. You are responsible for all reversals, chargebacks, fees, fines, penalties, and other liability incurred by Riff, any other Riff customer, or a third party caused by or arising out of your breach of this Customer Agreement.

Tax Compliance and Responsibilities

Riff offers optional functionality to assist in the generation and collection of IRS Form W-9 from Creators for the benefit of Brands or other paying parties. This service may be provided as part of a paid plan, usage-based pricing model, or other monetized feature of the Riff platform. The availability and terms of this functionality are subject to change and may vary based on your platform tier, account status, or contractual arrangement.

Use of this feature does not constitute tax, legal, or financial advice, and Riff makes no representations regarding the accuracy, sufficiency, or legal compliance of any generated or collected tax information.

All users, including Creators, Agencies, and Brands, are solely responsible for the accuracy and completeness of the tax information they provide or receive through the Riff platform, compliance with all applicable federal, state, and local tax laws, the preparation, filing, and submission of any required tax documents, including IRS Forms 1099, and consulting with appropriate tax professionals to determine their individual or business tax obligations.

Riff does not file tax forms with the IRS or any other government agency on behalf of any user. By using the W-9 or W-8 BEN assistance feature, you acknowledge that Riff’s role is limited to facilitating the collection and delivery of tax forms between users and does not include verification, submission, or legal review.

Communications Between You and Us

Riff may communicate with you about your Riff Account and the Services electronically as described in our Electronic Communications Delivery Policy. You will be considered to have received a communication from us, if it is delivered electronically, 24 hours after the time we post it to our website or email it to you. You will be considered to have received a communication from us, if it is delivered by mail, three Business Days after we send it.

You must maintain at least one valid email address in your Riff Account profile and check for incoming messages regularly and frequently. We may also contact you by letter, telephone, or SMS where appropriate.

Reversals, Chargebacks, ACH Returns and Wire Recalls

Riff is not responsible for any reversals, chargebacks, ACH returns, and/or wire recalls. Once you have initiated a transfer request, it is your responsibility to ensure the transaction is validated and funded before you confirm and wire us the funds. If you receive a reversal, chargeback, ACH return, or wire recall after you have wired us the funds, it is your responsibility to collect any outstanding balance from your customer. Riff will not be responsible for or involved in your collections and recovery process.

Negative Balances

Riff wallet balances cannot contain negative amounts. We may charge you for any costs we may incur as a result of collection efforts.

Error Resolution

You must make sure that the information you provide to us when you send or convert currency is accurate. Once a transaction is processed, it cannot be reversed except where, and to the extent, required by applicable law. Except as expressly set forth in this Customer Agreement, we will not be liable for any loss you suffer as a result of a transaction being carried out in accordance with your instructions.

If you believe there to be an error in connection with a transaction or other problem, you should notify Riff in writing as soon as possible, but no later than 60 days from the date we disclosed to you that a transaction has been completed. When you do, please tell us as much of the following information as possible:

  • Your name and address.
  • The error or problem with the transaction, and why you believe it is an error or problem.
  • The name of the recipient and, if you know it, the telephone number or address.
  • The dollar amount of the transfer.
  • The transfer number.

The following are not considered Errors:

  • If you give someone access to your Riff Account and they use your account without your knowledge or permission.
  • Invalidation or reversal of a payment or transaction as a result of reversals, chargebacks, ACH returns, and wire recalls.
  • Routine inquiries about your Riff Account balance, requests for duplicate documentation, or other recordkeeping information.
  • A change requested by the recipient of funds sent from you.
  • A change in the amount or type of currency received by a designated recipient if we relied on information provided by you in making the disclosure.
  • Delays that result from Riff applying holds or limitations, including decisions based on confidential risk management procedures.
  • Delays based on a review of a potentially high-risk transaction.
  • Your own errors in making a transaction, for example mistyping an amount of money or choosing an incorrect Target Currency.

Complaints

If you have a question or complaint regarding the Services, please send an email to info@useriff.app.

Riff API

If you access our Services via our API, we grant you a non-transferable, non-exclusive license to use our API subject to this Customer Agreement. We reserve all other rights.

Information Security

Please see Account Security above for further details on how to keep your Riff Account safe. You are responsible for configuring your information technology, computer programs, and platform in order to access our Services. You should use your own virus protection software.

You must not misuse our Services by introducing viruses, trojans, worms, logic bombs, or other materials which are malicious or technologically harmful. You must not attempt to gain unauthorized access to the Services, our Website, our servers, computers, or databases, or attack the Services with any type of denial-of-service attack. We may report any such breach to the relevant law enforcement authorities, and your right to access and use our Website and/or Services will cease immediately without notice.

Riff’s Rights

Limitation on Riff’s Liability, Indemnity and Release

In this section, “Riff” includes our partners and affiliates, and each of their respective directors, officers, employees, agents, joint venturers, service providers, and suppliers.

In no event shall Riff be liable for lost profits or for any indirect, incidental, consequential, special, exemplary, or punitive damages of any kind, whether under contract, tort, strict liability, or any other theory, including damages for loss of profits, use or data, loss of business, loss of security of information, or other intangible losses, even if advised in advance of the possibility of such damages or losses, unless and to the extent prohibited by law. Our liability to you or any third parties in any circumstance is limited to the actual amount of direct damages.

To the extent permitted by applicable law, Riff is not liable, and you agree not to hold Riff responsible, for damages or losses resulting directly or indirectly from your use of, or inability to use, our websites, API, software, systems, Services, delays or disruptions in those services, viruses or malicious software obtained through them, glitches, bugs, errors, inaccuracies, the content, actions, or inactions of third parties, a suspension or other action taken with respect to your Riff Account, or your need to modify your practices, content, or behavior as a result of changes to this Customer Agreement or any other Riff policy.

Indemnity

Except to the extent prohibited under applicable law, you agree to defend, indemnify, and hold harmless Riff and its affiliates, and their respective successors and assigns, from and against all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees, including attorneys’ fees, arising out of or relating to your use of, or activities in connection with, the Services; any violation or alleged violation by you of this Customer Agreement or applicable law; any claim, fine, penalty, or assessment brought against Riff by a payment processor, financial institution, banking partner, or other third-party service provider arising from your conduct, transactions, or use of the Services; any fraudulent, illegal, or unauthorized activity conducted by you or through your Riff Account; and any claim by a third party arising from or related to your transactions, including disputes with recipients, beneficiaries, or other users.

Release

If you have a dispute with any other Riff Account holder or a third party that you send money to or receive money from using the Services, you release Riff from any and all claims, demands, and damages, actual and consequential, of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

Service Availability

We will try to make sure our Services are available to you when you need them. However, we do not guarantee that our Services will always be available or uninterrupted. We have the right to suspend, withdraw, discontinue, or change all or any part of our Services without notice. We will not be liable to you if for any reason our Services are unavailable, in whole or in part, at any time or for any period.

Disclaimer of Warranty

The Services are provided “as is,” “where is,” and “where available,” and without any representation or warranty, whether express, implied, or statutory. Riff specifically disclaims any implied warranties of title, merchantability, fitness for a particular purpose, and non-infringement.

Insolvency Proceedings

If any type of bankruptcy or insolvency proceeding is commenced by or against you, we will be entitled to recover all reasonable costs or expenses, including reasonable attorneys’ fees and expenses, incurred in connection with the enforcement of this Customer Agreement.

Intellectual Property

“Riff,” and all logos related to the Services, are trademarks of Riff or Riff’s licensors. You may not copy, imitate, modify, or use them without Riff’s prior written consent. All page headers, custom graphics, button icons, scripts, the Riff websites, the Services, the technology related to the Services, and related content are the exclusive property of Riff and its licensors.

Use of Artificial Intelligence (AI) and Machine Learning

The Services may include artificial intelligence and machine learning functionality that generates outputs or recommendations. You are solely responsible for reviewing and validating any AI outputs before use, and by using the Services you acknowledge that they may contain inaccuracies or limitations. Riff may use Customer Data to provide, improve, and develop our services, including enhancements to our AI systems, in compliance with applicable law. AI outputs are provided “as is” and without warranties of any kind. Riff is not liable for any actions taken based on such outputs.

Miscellaneous Translation of This Customer Agreement

Any translation of this Customer Agreement is provided solely for your convenience and is not intended to modify the terms of this Customer Agreement. Only the English language version is the official version. In the event of a conflict between the English version and a version in a language other than English, the English version will control.

Governing Law and Agreement to Arbitrate

You agree that, except to the extent inconsistent with or preempted by federal law and except as otherwise stated in this Customer Agreement, the laws of the State of California, without regard to principles of conflict of laws, will govern this Customer Agreement and any claim or dispute that has arisen or may arise between you and Riff, regardless of your location.

Except for disputes that qualify for small claims court, all disputes arising out of or related to this Agreement or any aspect of the relationship between you and Riff, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, will be resolved through final and binding arbitration before a neutral arbitrator instead of in a court by a judge or jury, and you agree that Riff and you are each waiving the right to trial by jury. Any arbitration under this Agreement will take place on an individual basis. Class arbitrations and class actions are not permitted.

The arbitrator will conduct hearings, if any, by teleconference or videoconference rather than by personal appearances, unless the arbitrator determines upon request by you or by us that an in-person hearing is appropriate. The arbitrator’s decision will follow the terms of this Agreement and will be final and binding.

Unlawful Internet Gambling Notice

Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through your Riff Account or your relationship with Riff. Restricted transactions generally include, but are not limited to, transactions in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with unlawful internet gambling.

Survival

The following sections of this Customer Agreement survive any termination or expiration of this Agreement or closure of your Riff Account: Prohibited Activities, User Responsibility for Transactions, Platform Role Acknowledgment, Limitation on Riff’s Liability, Indemnity, Release, Disclaimer of Warranty, Governing Law and Agreement to Arbitrate, and any other provision that by its nature is intended to survive termination. Your obligations under these sections continue in full force and effect notwithstanding any termination of your Riff Account or this Agreement.

Other Information About This Customer Agreement

You may not transfer or assign any rights or obligations you have under this Customer Agreement without Riff’s prior written consent. Riff may transfer or assign this Customer Agreement or any right or obligation under it at any time.

Each paragraph of this Customer Agreement operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect. If we delay in asking you to do certain things or in taking action, it will not prevent us from taking steps against you later. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches.

This Customer Agreement, including any terms and conditions incorporated herein, is the entire agreement between you and us relating to the subject matter hereof and supersedes any and all prior or contemporaneous written or oral agreements or understandings. This Agreement does not create any partnership, joint venture, employer-employee, agency, or franchisor-franchisee relationship between you and us.

Contact Information

Direct contact information for Riff for support, legal inquiries, or regulatory questions: info@useriff.app.