Terms of Use

1. Acceptance of Terms

By accessing or using the Riafin Solutions website ("Site") or engaging our services, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use our Site or services.

Riafin Solutions reserves the right to modify these Terms at any time. Continued use of the Site after changes constitutes acceptance of the updated Terms.

2. About Riafin Solutions

Riafin Solutions ("we," "our," or "us"), operating under the brand name RIAFin, provides scalable operational support, workflow architecture, and specialized talent solutions tailored specifically for US independent financial advisors, Registered Investment Advisors (RIAs), ensemble practices, and institutional wealth management organizations.

Our services are designed to complement and support the back-office and operational workflows of advisory firms. Riafin Solutions is not a registered investment adviser (RIA) or broker-dealer, does not provide investment advisory services, and does not hold custody of client assets.

3. Services

3.1 Scope of Services

RIAFin provides specialized operational solutions including, but not limited to:

• RIA Advisor Support: custodial account management, cashiering, ACAT follow-up, and NIGO reduction
• Institutional Operations: CRM workflow implementation and Microsoft 365 automations
• Workflow architecture, standard operating procedures (SOPs), and operational blueprints
• Advisor breakaway transitions, custodial repapering, and platform migrations
• Direct placement and talent solutions for advisory practice operations

3.2 Service Agreements

All service engagements are governed by a separate Master Service Agreement (MSA) or Statement of Work (SOW) entered into between Riafin Solutions and the client firm. These Terms of Use supplement but do not replace any such Service Agreement. In the event of a conflict, the Service Agreement shall prevail.

3.3 Fiduciary & Supervisory Responsibility

Riafin Solutions does not provide investment advice or exercise discretionary authority over client funds. All operational deliverables and administrative tasks are performed under the direct instruction and written supervisory policies of the client RIA. The client RIA retains 100% legal, fiduciary, and supervisory responsibility for all advice, disclosures, and regulatory compliance.

4. Use of the Website

4.1 Permitted Use

You may use this Site for lawful purposes only. You agree not to:

• Use the Site in any way that violates applicable federal, state, or international laws.
• Attempt to gain unauthorized access to any part of the Site or its underlying systems.
• Transmit any malicious code, viruses, or harmful scripts.
• Scrape, harvest, or collect information from the Site through automated means without written consent.
• Impersonate any person or entity, or misrepresent your affiliation with any advisory practice.

4.2 Account Security

If we provide you with access credentials for any client portal or communication system, you are responsible for maintaining the confidentiality of those credentials and for all activities that occur under your account.

5. Intellectual Property

5.1 Our Content

All content on this Site — including text, graphics, logos, images, and software — is the property of Riafin Solutions or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our prior written consent.

5.2 Client Work Product

Work product, procedural manuals, and operational workflows created specifically for a client firm in the course of providing contracted services belong to the client firm, subject to the terms of the applicable Service Agreement.

6. Confidentiality & Data Security

We understand the critical sensitivity of advisory firm and client records. Riafin Solutions maintains strict confidentiality standards:

• All operational team members are bound by comprehensive Non-Disclosure Agreements (NDAs).
• Client systems are accessed exclusively through encrypted connections (VPN/VDI) with multi-factor authentication.
• No client data is stored or cached on local devices or unauthorized drives.
• Access is restricted solely to authorized personnel assigned to your firm's operational account.

7. Limitation of Liability

7.1 Website Disclaimer

The information on this Site is provided for general informational purposes only. While we endeavor to keep content accurate and up to date, we make no representations or warranties of any kind regarding completeness or suitability.

7.2 Service Liability

To the maximum extent permitted by applicable law:

• Riafin Solutions shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from the use of our services or this Site.
• Our total liability for any claim arising from our services shall not exceed the fees paid by the client firm for the specific services giving rise to the claim in the twelve (12) months preceding the claim.
• Riafin Solutions is not liable for any losses arising from an advisory firm's failure to conduct adequate supervisory review over operational tasks.

7.3 Supervisory Compliance

Client advisory firms remain solely responsible for ensuring that all financial advice and client interactions comply with SEC, state, and FINRA regulations where applicable. RIAFin's services are operational support services and do not constitute legal or compliance advice.

8. Indemnification

You agree to indemnify, defend, and hold harmless Riafin Solutions, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or related to your use of our Site or services in violation of these Terms.

9. Termination

We reserve the right to suspend or terminate your access to our Site at any time without notice for conduct that violates these Terms.

Termination of ongoing service engagements is governed by the applicable Service Agreement, which typically includes standard 30-day notice provisions.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction specified in the applicable Service Agreement or, in the absence thereof, the laws of the United States. Any disputes shall be resolved in accordance with the dispute resolution provisions set forth in the governing Service Agreement.

11. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

12. Contact Us

If you have any questions regarding these Terms of Use, please contact us at: