Federal regulations grant consumers the right to restrict certain types of personal information sharing, though not all. Additionally, we are obligated to inform you about our practices regarding the collection, dissemination, and protection of your personal information. We encourage you to carefully review this notice to fully comprehend our actions.

What Types of Non-Public Personal Information (“NPI”) Do We Collect?

We gather, utilize, and retain personal data as necessary to conduct our business operations, as outlined in this Privacy Policy. This may include information such as your name, date of birth, contact information, personal email address, home address, passport information, and details of your driver's license, among others. We collect personal data from individuals who visit our website or establish accounts on our platform. Even after you cease to be our client, we might still share your information in ways specified in this notice.

Sharing Your Information

As part of our daily business operations, the use of personal information is necessary. Below, we detail the purposes for which we might share your personal information:

• To adhere to compliance and security mandates, we disclose your information to third-party service providers that assist us in meeting KYC ("Know Your Client") obligations.
• For collaborative marketing efforts with businesses that offer complementary services.

We may start sharing your information from the moment you agree to our terms. Even after you cease to be a customer, we reserve the right to continue sharing your information as outlined in this notice. Nonetheless, you have the option to reach out to us at any time to restrict how we share your information.

Protecting Your Privacy: Our Commitment to Client Confidentiality

We are committed to protecting your privacy and maintaining the security of your personal information. We implement a comprehensive security program that includes advanced electronic and procedural safeguards to prevent unauthorized access, use, disclosure, or alteration of your data. Additionally, we restrict access to your information to authorized personnel only, ensuring your privacy is respected.

Your Choice, Your Data: Opt-Out and Control What We Share

You have the right to control how your information is shared, as allowed by federal law:

• Limit sharing with affiliates for their everyday business: This includes information about your creditworthiness.
• Prevent affiliates from using your information to market to you.
• Opt out of having your information shared with non-affiliates for marketing purposes.

Governing laws or our company policies may offer you additional control over your information sharing. To opt out of these types of sharing, please contact us at compliance@rivflow.com.

What are affiliates and non-affiliates?
• Affiliates: Companies we have shared ownership or control with. (We currently do not have any affiliates.)
• Non-affiliates: Companies independent of us, with no shared ownership or control.
• Joint marketing: When different financial institutions (non-affiliates) collaborate to offer you their products or services together through a formal agreement.
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Questions? Contact us or email compliance@rivflow.com