Terms of Use

1. Description of Our Services

RiaFin is a doctrine-based financial guidance platform built on a proven 8-step framework—designed to help you eliminate financial chaos, build lasting wealth, and achieve genuine financial abundance through disciplined, sequenced action. RiaFin provides tools and features that help financial consumers discover, evaluate, and connect with vetted financial professionals and trusted partners. Our Services (“Services”) include educational resources, professional profiles, a matching questionnaire, inquiry tools, and communication channels that help you understand your financial needs and identify professionals who may be suitable. RiaFin does not provide financial advice, investment recommendations, tax advice, legal advice, or any regulated advisory service.

Our Services are delivered through the RiaFin website, the Dashboard (where available), our marketing partners, and through communications that relate to your use of the platform. These Services may include access to educational content, matching suggestions, questionnaires, user accounts, notifications, and other features designed to help you connect with vetted financial professionals and trusted partners. All advisory services, consultations, recommendations, and professional advice are provided solely by independent professionals, not by RiaFin.

2. Professional and Partner Matching

As part of our doctrine-based guidance, RiaFin provides curated matching tools to help you take the next step. We provide educational materials and a matching questionnaire that helps identify your goals, preferences, and financial characteristics. Based on the information you provide, RiaFin may recommend or display vetted financial professionals and trusted partners who appear relevant to your needs. These recommendations do not constitute financial advice. RiaFin does not evaluate, verify, or guarantee the quality, suitability, or regulatory standing of any professional beyond our vetting process and what is self-reported or publicly available.

You may receive outreach or communication from professionals and partners listed on RiaFin. All such professionals are independent—not employees, representatives, or agents of RiaFin. Speaking with a professional is optional. If you choose to proceed with an introductory conversation, that interaction occurs directly between you and the professional, using the information you voluntarily shared through RiaFin.

If you decide to formally work with a professional, you become a “Client” of that professional—not of RiaFin. Your professional relationship is governed entirely by the professional’s own terms, fees, disclosures, regulatory requirements, privacy policies, and contractual obligations. RiaFin is not a party to, and does not supervise or influence, any advice, recommendations, or services provided by these professionals.

By using the matching questionnaire or submitting any enquiry, you acknowledge and agree that the information you provide—such as your financial goals, preferences, demographics, and other questionnaire responses—may be shared with multiple professionals and partners on the RiaFin platform. This includes professionals who are matched to you as well as others in our network. Partners may also purchase access to your submitted information as a “lead,” allowing them to contact you directly. Once a professional receives or purchases your information, they become solely responsible for handling, storing, and using that information in accordance with applicable laws and their own privacy practices. RiaFin does not supervise or control how professionals use your information.

3. About RiaFin

RiaFin stands for A Roadmap to Intelligent Financial Abundance. We are a doctrine-based financial guidance platform built around a single belief: that lasting financial abundance comes from disciplined architecture, not speculation. Everything on the platform—our guidance, our content, and our professional matching—is grounded in the 8-step RiaFin Doctrine, a proven framework that gives you a clear, sequenced path from financial stress to financial freedom.

RiaFin (“RiaFin”, “we”, “us” or “our”) connects financial consumers with vetted financial professionals and trusted partners through our doctrine-based matching tools and educational platform. Our Site and Dashboard, where available, may provide tools to help you understand your financial picture from one secure place.

RiaFin is a division of Mittaltiger Enterprises. All operations of RiaFin are conducted remotely.

4. Agreement and Acceptance of Terms

This Terms of Use Agreement, together with all exhibits, disclosures, addendums, amendments, and any additional terms incorporated from time to time (collectively, the “Agreement”), constitutes a legally binding contract between you and RiaFin governing your access to and use of the Site, Dashboard and all Services. In this Agreement, “users” refers to all individuals who access or use any part of the Services.

Some of our Services include educational content, tools, apps, products, and matching features, as described in Section 1 and Section 2. RiaFin does not provide any financial advice, investment management, portfolio management, tax advice, legal advice, or any other regulated advisory service.

Your use of the Site, Dashboard and Services is also subject to our Privacy Policy, which explains how your data is collected, used, shared, and protected. Terms used but not defined here have the meanings given to them in the Privacy Policy.

PLEASE READ THIS AGREEMENT AND OUR PRIVACY POLICY CAREFULLY. THIS AGREEMENT REQUIRES THAT MOST DISPUTES BE RESOLVED BY BINDING ARBITRATION, AS DESCRIBED IN SECTION 21.

By accessing or using the Site, Dashboard or any Service, you acknowledge and agree to be bound by this Agreement and the Privacy Policy. If you do not agree, you may not use the Site, Dashboard or any Service. You further agree that:

• You are legally capable of entering into binding contracts, and this Agreement has the same legal effect as a signed written contract. You may not use the Site, Dashboard or Services if you do not accept these terms.
• RiaFin is not responsible for any financial advice, products, recommendations, services, or communications offered by third-party vetted financial professionals or other external parties. RiaFin does not retrieve account data from financial institutions and does not guarantee the accuracy, completeness, or timeliness of any information provided through the Site and Dashboard. You should consult a qualified professional before making any investment decisions or significant financial moves.
• We may update, modify, or replace this Agreement or our Privacy Policy at any time. Such changes will be posted on the website and become effective upon posting. We may also modify, suspend, or discontinue any portion of the Services at any time with or without notice, and we are not liable for any resulting impact.
• The Services are intended only for individuals who have reached the legal age of majority in their jurisdiction (which is typically 18 years of age). You may not use the Site, Dashboard or Services if you are under the legal age of majority where you reside.

5. Site, Dashboard and Services – Disclaimers

By using the Services, you acknowledge that any educational content, financial information, or general insights provided by RiaFin are for informational purposes only and cannot guarantee investment outcomes or financial performance. All investments carry risk, including the potential loss of principal. You should consult directly with a qualified professional before making investment decisions or significant changes to your financial strategy.

RiaFin does not provide wealth management, portfolio management, financial planning, investment advice, or any form of regulated financial advisory service. Any advisory, planning, portfolio management, or investment-related service you receive is provided entirely by the professional you choose to engage. Vetted financial professionals and trusted partners in the RiaFin network operate independently and are responsible for their own professional certifications and regulatory standing as required by law.

If you decide to become a Client of a professional, you agree that your professional relationship—including all services, fees, recommendations, disclosures, obligations, and responsibilities—will be governed solely by the professional’s own agreements and regulatory documents. RiaFin is not a party to any agreement, and we do not supervise, endorse, monitor, or assume responsibility for any advice, actions, services, or outcomes provided by professionals.

6. Acting As Your Authorized Agent

RiaFin does not access, retrieve, or aggregate any financial account information from banks, brokers, insurers, or other financial institutions. RiaFin does not act as your agent, attorney-in-fact, or authorized representative for any purpose related to financial data, account access, or information retrieval. You are solely responsible for managing and accessing your financial accounts and for providing any information you choose to share with RiaFin or professionals listed on the platform.

Any information you submit through the RiaFin platform—including responses to the matching questionnaire, preferences, financial background details, and related input—is used solely for the purpose of generating professional matches and improving the Services. This information may be shared with matched professionals, unmatched professionals, third-party service providers, affiliates, marketing partners, and others as described in the Privacy Policy and Section 7. However, RiaFin does not and will not access your financial accounts or act on your behalf in connection with any financial institution.

You acknowledge and agree that RiaFin is a neutral platform connecting consumers with vetted financial professionals and trusted partners, and that RiaFin has no authority to make decisions, provide instructions, or take action on your behalf with any financial institution, professional, or third-party service provider. All advisory, investment, planning, and financial decisions remain solely between you and any professional with whom you choose to engage.

7. Your Registration Information

To use the Dashboard or access any portion of the Services, you must first create a RiaFin user account (“Account”) by filling our matching questionnaire. During registration, and when completing the matching questionnaire or any other onboarding process, you must provide accurate and complete personal information as described in our Privacy Policy.

This information may include details such as your name, contact information, financial background, investment preferences, service requirements, and any additional information you voluntarily share to enable matching. You agree that any information you provide is true, current, and not misleading, and that you will promptly update your information whenever necessary to maintain its accuracy.

By submitting registration information or questionnaire responses, you acknowledge and authorize RiaFin to share this data with matched professionals, unmatched professionals in our network, marketing partners, affiliates, and third-party service providers who support the functioning, improvement, or delivery of the Services. Professionals may also purchase your submitted information as a lead, and by registering you consent to such data-sharing as described in our Privacy Policy.

8. Your Electronic Disclosure Consent

By providing your email address and/or mobile number while enrolling for or using our Services, you consent to receive all notices, disclosures, service-related updates, and information regarding our Services and other offerings electronically. Electronic communications may be delivered through email, SMS, WhatsApp, push notifications, or posted on our Dashboard, and all such communications will be considered to be provided “in writing.”

Any communication sent electronically will be deemed received no later than five (5) business days after posting or transmission, whether or not you have actually opened, read, or retrieved the communication. Your consent to receive communications electronically remains valid until you end your relationship with RiaFin as described in Section 17.

It is your responsibility to ensure that the email address and mobile number you provide to RiaFin are true, accurate and complete, and to promptly update us regarding any changes to your contact information. You may print or save copies of any electronic communications for your records. RiaFin reserves the right to modify or discontinue the methods through which we deliver electronic communications, and will provide notice of such changes where required under applicable law.

9. Cost of Service

Your use of the Site, Dashboard and related Services is offered free of charge. RiaFin does not provide wealth management, investment advisory, or financial planning services; any such services are provided exclusively by vetted financial professionals and trusted partners in our network. Professionals may offer their own paid services, and any fees, billing terms, disclosures, or obligations related to those advisory services are determined solely by the professional you choose to engage under a separate agreement between you and that professional.

RiaFin reserves the right, in its sole discretion, to amend or change its pricing policy for any additional platform features or Services that RiaFin itself may offer in the future. Any professional-specific fees remain entirely the responsibility of the professional and the client, and are not set, controlled, or collected by RiaFin.

10. RiaFin Satisfaction Guarantee

RiaFin’s satisfaction guarantee applies only to individuals who engage a vetted financial professional directly through the RiaFin platform and maintain ongoing, comprehensive advisory services with that professional for at least six months. This guarantee does not apply to one-time or hourly planning arrangements. A request for consideration of a refund must be submitted within nine months from the professional’s hire-to-terminate date and must include valid proof of payment for advisory fees.

RiaFin does not pay refunds and is not responsible for issuing refunds. Instead, RiaFin may—at the client’s request—ask the professional to consider issuing a refund or credit in accordance with the professional’s own policies. Whether a refund is granted is entirely at the professional’s discretion and is not guaranteed. RiaFin’s role is limited to facilitating communication and verifying documentation; RiaFin is not liable for, and does not assume responsibility for, any professional’s decision regarding refunds.

11. Data and Data Integrity

The overall integrity and quality of the data presented by RiaFin to you is an important element in providing a reliable and useful experience on the Dashboard and the Site. RiaFin, however, does not collect or retrieve your financial account information from banks, brokers, or other financial institutions, and therefore cannot guarantee the accuracy, completeness, or timeliness of any information provided by professionals, third-party service providers, marketing partners, external data sources, or any other contributors whose content or materials may appear on or be used within the Services.

RiaFin may not be able to foresee or prevent technical issues or other difficulties that may result in service interruptions, data delays, errors, or personalization failures. RiaFin assumes no responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, communication, or preference settings, nor for any loss of data that may occur for reasons beyond RiaFin’s control.

Any financial figures, market information, professional-provided data, educational content, or other materials displayed on the Site should be independently verified. RiaFin strongly encourages you to confirm investment values, financial information, or market data through independent and reliable sources such as a licensed professional, broker, or financial institution before relying on such information to make decisions.

You acknowledge and agree that RiaFin works with a variety of third-party service providers — including but not limited to hosting providers, cloud servers, data processors, advertising partners, analytics tools, marketing partners, affiliates, and professionals — to operate, maintain, and improve our Services. By using the Services, you consent to your data being processed, stored, transmitted, or accessed by such third parties as necessary for RiaFin to operate effectively. You further agree that RiaFin is not and will not be liable for any actions, omissions, data practices, breaches, or failures of any such third-party providers, whether now or in the future, and that no legal claim or action may be brought against RiaFin relating to data sharing, data transmission, or data access by such third-party providers when such sharing is part of delivering or improving the Services.

12. Other Obligations While You Use the Services

Confidentiality: You agree and understand that you are responsible for maintaining the confidentiality of your Account’s login information and password. You should also maintain appropriate anti-virus and anti-malware software on your computer, so that your Account login information is not compromised through your own negligence. If you receive evidence that someone has committed fraud by accessing your Account you must contact us IMMEDIATELY at support@riafin.com.

Accurate and Up-to-Date Information: Our Services depend on your providing us with complete, accurate and up-to-date information, both now and in the future about yourself and your accounts. In turn, we will provide you with online security as described in our Privacy Policy. Those assurances are conditioned upon your provision of correct contact and Account information to us, and never misrepresenting to us your identity or Account registration information (e.g. for the use of your third-party websites and accounts).

You agree that you will NOT do any of the following: (i) engage in behavior that will put your personal information at unnecessary risk, such as leaving, transmitting, or publishing your Login or passwords; (ii) use our Site, Dashboard, Services or any of your accounts for illegal purposes, (iii) use our Site, Dashboard or Services to transmit anything that is unlawful, libelous, intended to harass or violate the rights of another; (iv) resell or make any commercial use of the Site, Dashboard or Services, as they are intended solely for your use as an end user; (v) reverse engineer or decompile any technology associated with the Site, Dashboard or Services, including but not limited to any software applications, Java applets or plug-ins associated with the Services; (vi) use any robot, spider, webcrawler, scraper, deep link or similar automated extraction or data gathering mechanism, program or tool to access, copy or monitor our Site, Dashboard or Services; (vii) post or transmit any file or email which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Site, Dashboard or Services; (viii) attempt to gain unauthorized access to any portion of the Services; (ix) use the Services in any manner that could damage, disable, overburden, or impair RiaFin’s systems; (x) use any device, software or routine to interfere or attempt to interfere with the proper working of the Site, Dashboard or Services; or (xi) use the Services to build a competitive product or service.

13. Confidentiality and Feedback

We always welcome your correspondence, feedback, comments, complaints and suggestions (collectively, “Feedback”) as this will help us improve our Services. You agree that all Feedback becomes our confidential information (“Confidential Information”). In addition, any of our trade secrets, computer software, product specifications as well as any non-public technical, financial or business information that we share with you is also our Confidential Information. You agree not to disclose or share any of our Confidential Information with any third party, including, without limitation, any members of the press or colleagues. Feedback may be submitted to support@riafin.com.

14. Third Party Software and Service Providers

To facilitate our provision of the Site, Dashboard and Services, we license software, tools and Services from third-party providers. From time to time, we may revise this Agreement as requested by our third party providers and require that you agree to additional pass-through terms with respect to such third party providers. In the event that any use of the Services of such third party providers results in you leaving our Site or Dashboard, and entering the site of a third party provider, then you will be subject to the terms of Service or use and the Privacy Policy of such third party provider, so please review such terms carefully. Also, when you use or access the sites of your financial Services providers, you will be subject to their terms of use/Service and online policies, and your use of their Services constitutes your Agreement to their online terms and policies. RiaFin may provide experiences on social media platforms such as Facebook®, WhatsApp®, Instagram®, Pinterest®, Twitter®, Bluesky®, LinkedIn®, etc. that enable online sharing and collaboration among users who have registered to use them. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the terms of use and privacy policies of those platforms. Please refer to those social media platforms to better understand your rights and obligations with regard to such content.

15. Financial Services and Third-Party Offers

RiaFin and Third-Party Offers: Certain parts of the Services may now or in the future be supported through advertising, affiliate relationships, professional lead purchases, sponsored listings, marketing partnerships, or other compensated collaborations with third parties. When a professional, advertiser, affiliate, or partner compensates RiaFin in connection with a listing, lead, promotion, or sponsored offer, RiaFin will disclose such relationships where legally required.

Any third-party financial services, products, tools, educational material, promotional offers, or professional services made available through the Site, Dashboard or linked from RiaFin are provided solely by the respective third party. RiaFin does not endorse, guarantee, or assume responsibility for any third-party offerings, and all interactions, engagements, transactions, or agreements you enter into with such third parties—including vetted financial professionals—are strictly between you and the third party.

Your decision to engage with any professional, service provider, advertiser, or external platform is at your own discretion and risk. RiaFin does not control, monitor, or supervise third-party services and is not responsible for their performance, accuracy, conduct, pricing, advice, legal compliance, or outcomes. Any disputes or issues arising from third-party offers must be resolved directly with the applicable third party.

16. Ownership, Copyright, and Trademark

All technology, code, design elements, trademarks, trade names, graphics, layouts, text, images, videos, educational materials, listings, professional profiles, questionnaires, branding, and all other content made available through the Site, Dashboard or in connection with the Services are owned by RiaFin or licensed to RiaFin by third-party licensors. This includes the overall look and feel of the Site, Dashboard, all promotional materials, user interface components, and any instructional or informational content provided through the platform.

During the term of this Agreement, RiaFin grants you a personal, limited, non-exclusive, non-transferable, revocable license to access and use the Site, Dashboard and its content solely for your own personal, non-commercial use in connection with the Services. You may not modify, copy, reproduce, distribute, publish, create derivative works from, publicly display, publicly perform, reverse engineer, decompile, or otherwise use any part of the Site, Dashboard or its content except as expressly permitted in this Agreement or with RiaFin’s prior written consent.

“RiaFin,” “RF,” the RiaFin logo, and all associated marks are trademarks or service marks owned by RiaFin or its parent entity. All other product names, trademarks, logos, or service marks appearing on the Site and Dashboard belong to their respective owners. No right or license to use any trademark or service mark is granted by this Agreement. Any unauthorized use of RiaFin’s intellectual property is strictly prohibited and may violate applicable copyright, trademark, and intellectual property laws.

17. Disclaimer of Representation and Warranty; Disclaimer of Liability

NOTWITHSTANDING ANYTHING IN THIS AGREEMENT, THE RIAFIN PLATFORM, DASHBOARD, SERVICES, LISTINGS, CONTENT, MATCHING QUESTIONNAIRE, AND ALL OTHER FEATURES ARE PROVIDED STRICTLY ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND. RIAFIN, ITS AFFILIATES, LICENSORS, EMPLOYEES, CONTRACTORS, AND AGENTS EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, RELIABILITY, SECURITY, OR AVAILABILITY.

RIAFIN DOES NOT PROVIDE FINANCIAL ADVICE, INVESTMENT ADVICE, TAX ADVICE, LEGAL ADVICE, OR ANY PROFESSIONAL SERVICES OF ANY KIND. ANY COMMUNICATION, INFORMATION, OR MATERIALS AVAILABLE THROUGH RIAFIN ARE FOR GENERAL EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. ALL FINANCIAL, INVESTMENT, OR PROFESSIONAL DECISIONS ARE MADE AT YOUR SOLE RISK.

RIAFIN IS NOT RESPONSIBLE FOR THE ACTIONS, OMISSIONS, CONDUCT, PERFORMANCE, ADVICE, SERVICES, REPRESENTATIONS, OR COMMUNICATIONS OF ANY VETTED FINANCIAL PROFESSIONAL, TRUSTED PARTNER, AFFILIATE, ADVERTISER, OR THIRD-PARTY SERVICE PROVIDER. ALL ENGAGEMENTS WITH PROFESSIONALS OR THIRD PARTIES ARE GOVERNED BY YOUR DIRECT AGREEMENT WITH THAT PROVIDER, AND RIAFIN HAS NO CONTROL OVER OR RESPONSIBILITY FOR SUCH RELATIONSHIPS.

RIAFIN DOES NOT WARRANT THAT THE PLATFORM OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, TIMELY, SECURE, OR FREE OF DEFECTS; THAT ANY INFORMATION WILL BE ACCURATE OR COMPLETE; THAT ANY ERRORS WILL BE CORRECTED; OR THAT ANY PARTICULAR RESULTS, MATCHES, OR OUTCOMES WILL OCCUR.

YOU AGREE THAT ANY DOWNLOADS, USE OF INFORMATION, OR RELIANCE ON CONTENT ARE AT YOUR OWN RISK AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY RESULTING DAMAGE, LOSS, OR CONSEQUENCES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME LIMITATIONS MAY NOT APPLY TO YOU.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, RIAFIN, ITS AFFILIATES, OWNERS, LICENSORS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES OF ANY KIND, INCLUDING LOSS OF PROFITS, LOSS OF BUSINESS, LOSS OF DATA, LOSS OF GOODWILL, SERVICE INTERRUPTIONS, OR ANY OTHER INTANGIBLE LOSS, WHETHER FORESEEABLE OR NOT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, RIAFIN SHALL NOT BE LIABLE FOR: (i) ANY ACTS, OMISSIONS, ADVICE, REPRESENTATIONS, SERVICES, OR FAILURES OF ANY VETTED FINANCIAL PROFESSIONAL OR THIRD-PARTY SERVICE PROVIDER; (ii) DATA SHARING, DATA TRANSFERS, OR DATA ACCESS PERFORMED IN ACCORDANCE WITH THIS AGREEMENT OR THE PRIVACY POLICY; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA; (iv) ANY ERRORS, DELAYS, INTERRUPTIONS, OR TECHNICAL ISSUES; (v) ANY FAILURE OF NETWORK, INTERNET, TELECOMMUNICATION, OR SOFTWARE PROVIDERS; OR (vi) ANY DISPUTES OR OUTCOMES ARISING FROM ENGAGING OR COMMUNICATING WITH ANY PROFESSIONAL.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL CUMULATIVE LIABILITY OF RIAFIN AND ITS AFFILIATES TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES SHALL NOT EXCEED FIVE HUNDRED UNITS OF THE LOCAL CURRENCY IN THE AGGREGATE.

19. Ending Your Relationship with RiaFin

This Agreement remains in effect until terminated by either party. You may close your Account at any time by emailing support@riafin.com from the email address associated with your Account with the subject line “CANCEL.” After verifying your identity, we will remove your Account information except where retention is required by law.

RiaFin may terminate your access to the Services at any time, with or without cause, including if you violate this Agreement, if required by law, if Services are discontinued, or at RiaFin’s sole discretion. Termination will not affect obligations or rights accrued prior to termination.

20. Governing Law and Venue

This Agreement is governed exclusively by the laws of the jurisdiction where Mittaltiger Enterprises is registered, without regard to conflict-of-law principles. Subject to the Arbitration clause below, you consent to the exclusive jurisdiction of the courts located in that jurisdiction.

21. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT SIGNIFICANTLY AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Initial Dispute Resolution: We are available by email at support@riafin.com to address any concerns. You agree to use best efforts to settle any dispute, claim, question, or disagreement directly through consultation and good faith negotiations, which shall be a precondition to either party initiating a lawsuit or arbitration.

Binding Arbitration: IF THE PARTIES DO NOT REACH AN AGREED UPON SOLUTION WITHIN A PERIOD OF 30 DAYS FROM THE TIME INFORMAL DISPUTE RESOLUTION IS PURSUED, THEN EITHER PARTY MAY INITIATE BINDING ARBITRATION. ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THE SERVICES, THIS AGREEMENT, OR ANY INTERACTION YOU HAVE THROUGH THE PLATFORM SHALL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION BEFORE A SOLE ARBITRATOR.

Class Action and Jury Trial Waiver: YOU AND RIAFIN AGREE THAT ANY PROCEEDING TO RESOLVE OR LITIGATE ANY DISPUTE WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. YOU WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR ANY REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS.

Time Limitation on Claims: YOU AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Protection from Third-Party Claims: YOU EXPLICITLY AGREE THAT UNDER NO CIRCUMSTANCES SHALL RIAFIN BE MADE A PARTY TO, OR HELD LIABLE IN, ANY DISPUTE, ARBITRATION, OR LEGAL ACTION BETWEEN YOU AND ANY VETTED FINANCIAL PROFESSIONAL, TRUSTED PARTNER, OR THIRD-PARTY ENTITY YOU DISCOVERED THROUGH THE PLATFORM. RIAFIN'S ROLE IS STRICTLY LIMITED TO PROVIDING DOCTRINE-BASED GUIDANCE, AND YOU FULLY INDEMNIFY AND RELEASE RIAFIN FROM ANY FALLOUT ARISING FROM YOUR EXTERNAL ENGAGEMENTS.

22. Claims of Copyright and Trademark Infringement

RiaFin is a neutral platform and explicitly disclaims any and all liability for intellectual property infringement committed by third parties, users, or vetted financial professionals utilizing our Services. We act purely as a conduit and assume no obligation to monitor, police, or independently verify the intellectual property rights of any content hosted or transmitted through the platform.

Reporting Infringement: If you believe your intellectual property rights have been violated, you may submit a written notice to our Designated Agent. Your notice MUST be submitted under penalty of perjury and include: (i) your physical or electronic signature; (ii) precise identification of the allegedly infringed work; (iii) the exact URL/location of the allegedly infringing material; (iv) your full contact information; and (v) a legally binding declaration that you have a good-faith belief the use is unauthorized and that you are the rights holder or authorized to act on their behalf.

Absolute Discretion and Zero Liability: UPON RECEIPT OF A NOTICE, RIAFIN RESERVES THE ABSOLUTE RIGHT—BUT ASSUMES NO OBLIGATION—TO REMOVE, RESTRICT, OR MAINTAIN THE DISPUTED MATERIAL AT ITS SOLE DISCRETION. YOU EXPLICITLY AGREE THAT RIAFIN SHALL NOT BE HELD LIABLE FOR ANY DAMAGES, LOSSES, OR LEGAL ACTION ARISING FROM OUR DECISION TO REMOVE OR NOT REMOVE ANY DISPUTED CONTENT. WE DO NOT MEDIATE OR ADJUDICATE INTELLECTUAL PROPERTY DISPUTES BETWEEN THIRD PARTIES.

Strict Indemnification for Claims: BY SUBMITTING AN INFRINGEMENT NOTICE OR COUNTER-NOTICE, YOU UNEQUIVOCALLY AGREE TO FULLY INDEMNIFY, DEFEND, AND HOLD RIAFIN, ITS OWNERS, AND AFFILIATES HARMLESS FROM ANY AND ALL CLAIMS, LIABILITIES, DAMAGES, LEGAL FEES, OR COSTS INCURRED BY RIAFIN AS A RESULT OF YOUR SUBMISSION, INCLUDING IF YOUR CLAIM IS FOUND TO BE FALSE, MISLEADING, OR SUBMITTED IN BAD FAITH.

All legal notices must be sent to the following:

Designated Agent: Privacy & Security
Mittaltiger Enterprises
#302, Solarium Business Center, Raghuvanahalli, Kanakapura Main Road, Bengaluru - 560061, Karnataka, India.
Website: www.riafin.com
Email: support@riafin.com

23. Change of Terms

We may modify this Agreement at any time. Notice of changes may be provided via email, through the website, or by posting the updated Agreement. Continued use of the Services after changes constitutes acceptance of the updated terms.

24. Indemnification

You agree to indemnify and hold harmless RiaFin, its affiliates, licensors, and agents from any claims, damages, liabilities, losses, or expenses (including legal fees) arising out of your use of the Services, violation of this Agreement, breach of intellectual property rights, or use of your Account by any other person.

25. Not a Legal or Tax Advisor

RiaFin does not provide legal, tax, investment, or financial advice. You should consult an appropriate licensed professional before making decisions.

26. Waiver and Severability

Failure to enforce any provision does not constitute a waiver. If any provision is deemed invalid or unenforceable, the remaining terms remain in full effect.

27. Section Headings

Section headings are for convenience only and do not affect interpretation.

28. English Language Controls

This Agreement is governed and interpreted in English. Translations are provided only for convenience.

29. Entire Agreement

This Agreement, along with the Privacy Policy and referenced documents, constitutes the entire agreement between you and RiaFin regarding the Services and supersedes all prior statements or representations.