Terms of Use

1. Acceptance and eligibility

By installing, accessing or using Riverline, or by affirmatively accepting these Terms in the app, you agree to be bound by them and by our Privacy Policy. You must be at least 18 years old, legally competent to contract and located in India. If you do not agree, do not use the app.

2. Your account and information

You must provide accurate, current and complete information, including a mobile number that you control. You are responsible for activity performed through your verified account and for promptly notifying us of suspected unauthorised access. Do not share verification codes with anyone.

3. Riverline Services

Riverline provides technology-enabled financial wellness, credit counselling and assistance services designed to help you understand, manage and take actions relating to your credit, loans, debts and other financial obligations ("Riverline Services").

Depending on the features available to you, Riverline Services may include:

• Retrieving, displaying, analysing and explaining your credit information and credit score with your consent.
• Providing AI-supported credit counselling, financial guidance, personalised insights, recommendations and suggested actions based on information available to Riverline and information provided by you.
• Helping you understand your existing loans, credit facilities, repayments, overdue amounts and other financial obligations.
• Providing guidance and assistance relating to debt consolidation, repayment planning, reduction or restructuring of obligations, settlement or closure of overdue or written-off obligations, and other debt-resolution options.
• Assisting you in preparing, sending, tracking and managing communications with lenders, creditors, credit information companies and other relevant parties where requested or authorised by you.
• Assisting you with identifying or accessing loans, refinancing, balance transfers or other financial products or services offered by third-party financial institutions or service providers.
• Providing tools, alerts, reminders, educational information and other features intended to help you monitor and improve your financial and credit health.
• Providing other related financial wellness, credit assistance or debt-resolution services that Riverline may introduce from time to time.

AI-generated information and guidance

Certain Riverline Services use artificial intelligence and other automated systems to analyse information and provide explanations, recommendations, suggested actions, communications or other content. Such outputs are generated using the information available to Riverline and may be incomplete, inaccurate or unsuitable for your particular circumstances.

Riverline Services are intended to assist you in understanding and managing your financial situation and do not constitute legal, tax, investment or other professional advice. You should review important information and communications before relying on or acting upon them and obtain independent professional advice where appropriate.

Third-party financial products and decisions

Riverline is not a lender or credit information company and does not itself make lending or credit-approval decisions. Where Riverline helps you discover, evaluate, apply for or access a loan, refinancing option or other financial product, the relevant product is offered and provided by the applicable bank, non-banking financial company, financial institution or other third-party provider.

Any approval, rejection, eligibility determination, interest rate, credit limit, loan amount, repayment terms, settlement terms or other decision relating to a third-party financial product or obligation is determined by the relevant third party in accordance with its own policies and applicable law. Riverline does not guarantee that you will qualify for, receive or obtain any particular financial product or terms.

No guaranteed financial outcome

Riverline does not guarantee any particular financial outcome, including approval of a loan or credit product, improvement in your credit score, reduction of an EMI or interest rate, consolidation or refinancing of debt, settlement or waiver of an obligation, correction of a credit report, removal of a default or overdue status, or any particular response from a lender, creditor or credit information company.

You remain responsible for your financial decisions, obligations and communications, including determining whether any recommendation, settlement, repayment arrangement, loan or other financial product is appropriate for you.

4. Experian Credit Information Consent

Before any retrieval, the app presents a separate, unselected consent control. By affirmatively accepting that consent, you appoint Pointfront Technologies Private Limited, operating as Riverline, as your authorised representative to receive your Credit Information from Experian Credit Information Company of India Private Limited ("Experian") on your behalf.

"Credit Information" includes your consumer credit information report, credit score, aggregate scores, inferences, references and related details made available by Experian. "CICRA" means the Credit Information Companies (Regulation) Act, 2005, together with applicable rules, regulations, circulars and amendments.

You authorise Riverline to obtain and use Credit Information solely for credit counselling and debt resolution, including credit information retrieval and analysis, debt-consolidation assistance, settlement or closure of overdue or written-off obligations, and assistance with access to new or refinanced credit where requested by you (the "End Use Purpose").

Your authorisation may operate on an ongoing basis for the period shown at the time of consent and will not exceed six months. You understand that Experian will provide Credit Information to Riverline in reliance on your instructions and consent, and that Experian is not responsible for how Riverline uses the information after lawful delivery.

Riverline will use Credit Information only for the End Use Purpose and will not aggregate, retain, store, copy, reproduce, republish, upload, post, transmit, sell or rent it except as permitted by your consent, CICRA and the applicable agreement with Experian. Riverline will destroy, purge or erase the applicable Credit Information within one business day after completion of the relevant transaction or End Use Purpose, subject to any record that applicable law requires us to retain.

The Experian consent is an electronic record under the Information Technology Act, 2000 and does not require a physical or digital signature. Matters arising specifically from that consent are governed by Indian law and subject to the exclusive jurisdiction of courts in Mumbai.

5. Connected email features

If you connect a Google account, Riverline may use permitted email access to identify relevant conversations, prepare drafts, monitor replies and assist with follow-up. You must review communications and approve the relevant action before a message is sent. You are responsible for ensuring that a message accurately reflects your instructions. You may disconnect the account at any time.

6. SMS, location and notifications

Some optional features may request access to financial transactional SMS, approximate foreground location or notifications. The app explains the purpose before requesting permission. You may deny or later revoke a permission through device settings, although the related feature may become unavailable or less effective.

7. Communications and electronic records

You agree that we may provide service, security, consent and account communications electronically through the app, SMS, push notification, email or other contact details you provide, subject to applicable law and your communication choices. Electronic acceptance and records have the same effect as written records where permitted by law.

8. Acceptable use

You must not:

• Provide false information, impersonate another person or use an account you do not control.
• Use Riverline for unlawful, fraudulent, abusive or deceptive purposes.
• Attempt to access another user's data, interfere with security, or probe or disrupt the service.
• Copy, scrape, reverse engineer, resell or commercially exploit the app except where law expressly permits.
• Upload malicious code or use automated means that impose an unreasonable load on the service.

9. Third-party services

Riverline may rely on credit-information companies, communications providers, payment providers, analytics tools, hosting services and other third parties. Their products and external links may be governed by separate terms and privacy policies. We are not responsible for a third party's independent services, availability or decisions.

10. Paid features

If Riverline offers a paid feature, the price, billing period, taxes, cancellation terms and any applicable refund terms will be displayed before you purchase or subscribe. Payment processing may be performed by an authorised third-party provider. Nothing in these Terms creates a charge unless a paid feature is clearly offered and accepted by you.

If Riverline offers a paid feature, the price, billing period, taxes and applicable subscription terms will be displayed before you purchase or subscribe. Payment processing may be performed by an authorised third-party provider. Paid features, subscriptions, cancellations and refunds are subject to the Refund Policy in Section 18 of these Terms. Nothing in these Terms creates a charge unless a paid feature is clearly offered and accepted by you.

11. Intellectual property

Riverline and its licensors own the app, software, branding, interfaces and related content, excluding information you provide and third-party material. We grant you a limited, personal, non-exclusive, non-transferable and revocable right to use the app for its intended purpose while these Terms apply.

12. Suspension and termination

You may stop using the app at any time. We may restrict or suspend access where reasonably necessary to address security, unlawful use, breach of these Terms, legal requirements or material risk to users or the service. Where appropriate, we will provide notice or an opportunity to remedy the issue.

13. Disclaimers

To the extent permitted by law, Riverline is provided on an "as is" and "as available" basis. We do not warrant uninterrupted availability, error-free automated output, availability of a credit report, acceptance by any lender or creditor, a particular settlement, or any financial result. Nothing in these Terms excludes a right or remedy that cannot lawfully be excluded.

14. Limitation of liability

To the maximum extent permitted by law, Riverline and its directors, employees and service providers will not be liable for indirect, incidental, special, punitive or consequential loss, loss of profits, or loss arising from decisions made solely on automated output. Our aggregate liability for claims relating to a paid feature will not exceed the amount you paid for that feature during the six months before the event giving rise to the claim. This limitation does not apply where liability cannot be limited by law.

15. Indemnity

To the extent permitted by law, you agree to indemnify Riverline against third-party claims arising from your unlawful use of the app, material breach of these Terms, or communications you authorise that infringe another person's rights. This does not apply to loss caused by Riverline's own breach or misconduct.

16. Changes to the service or Terms

We may update the app or these Terms to reflect product, legal or security changes. Material changes will be communicated as required by law. Continued use after the effective date of updated Terms constitutes acceptance where permitted; otherwise we will request renewed acceptance.

17. Governing law and general terms

Except for the Experian consent clause above, these Terms are governed by Indian law, and courts in Bengaluru, Karnataka will have jurisdiction, subject to any mandatory consumer forum or other non-excludable right. If a provision is unenforceable, the remaining provisions continue in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them as part of a permitted business transfer.

18. Refund Policy

Except where required by applicable law or expressly stated otherwise at the time of purchase, payments made for Riverline's paid features and subscription services are non-refundable once access to the relevant paid service has been provided or Riverline has commenced providing the relevant service.

Subscription cancellation

You may cancel a recurring subscription at any time through the cancellation method made available by Riverline or through the applicable payment provider. Cancellation will prevent future renewal charges but will not ordinarily result in a refund for the current billing period. Unless otherwise stated, you may continue to use the applicable paid features until the end of the period for which you have already paid.

When a refund may be provided

You may request a refund where:

• You were charged more than once for the same purchase due to a technical or payment-processing error.
• Payment was successfully collected but Riverline failed to provide access to the purchased paid service due to an issue attributable to Riverline.
• Riverline permanently discontinues a paid service during a prepaid subscription period, in which case Riverline may provide a reasonable pro-rata refund for the unused portion of that period.
• A refund is otherwise required under applicable law.

No refund based on financial outcome

Fees paid to Riverline are for access to Riverline's services and are not contingent upon achieving any particular financial outcome. Accordingly, failure to obtain a desired result, including approval of a loan or credit product, improvement in a credit score, reduction of an EMI, settlement or waiver of a debt, correction of a credit report, acceptance of a dispute, or any other financial outcome, does not by itself entitle you to a refund.

Riverline does not control the decisions of lenders, credit information companies, financial institutions, creditors or other third parties and does not guarantee any such outcome.

How to request a refund

Refund requests must be submitted to support@riverline.ai with sufficient information for us to identify the relevant account and transaction. We may request additional information reasonably necessary to verify the request.

Where a refund is approved, it will ordinarily be returned to the original payment method. The time taken for the refunded amount to appear in your account may depend on the applicable payment provider, bank or payment method.

Third-party payment providers

Payments and refunds may be processed by authorised third-party payment providers. Their separate payment-processing terms and timelines may apply. Where your purchase is subject to a payment provider's mandatory refund or cancellation rules, those rules will apply to the extent required.

Nothing in this Refund Policy limits any refund, cancellation or other consumer right that cannot lawfully be excluded under applicable law.

19. Contact us

Pointfront Technologies Private Limited (Riverline)
WeWork Prestige Cube, Site No. 26, Laskar Hosur Road, Adugodi, Koramangala, Bengaluru, Karnataka 560030, India
Email: support@riverline.ai