Privacy Notice

Last updated July 20, 2023​

Thank you for choosing to be part of our community at RIVO Finance (“Company,” “we,” “us,” or “our”). We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice or our practices with regard to your personal information, please contact us at contact@RIVO.finance

This privacy notice describes how we might use your information if you:
• Visit our website at https://www.RIVO.xyz/
​• Engage with us in other related ways ― including any sales, marketing, or eventsIn this privacy notice, if we refer to:

“Website”, we are referring to any website of ours that references or links to this policy
“Services”, we are referring to our Website, and other related services, including any sales, marketing, or eventsThe purpose of this privacy notice is to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it. If there are any terms in this privacy notice that you do not agree with, please discontinue use of our Services immediately.

‍Please read this privacy notice carefully, as it will help you understand what we do with the information that we collect.

Information we collect
‍We may collect data, including personal data, about you as you use our websites and Services or request our Services, and otherwise interact with us. Some of our website’s functionality can be used without providing any personal data, though for using some features of the Services, personal data is required. We process two broad categories of personal data:Information provided directly by you;Information collected automatically.

‍Information Provided Directly by YouCommunication with RIVO Finance. We collect personal data that you voluntarily give us when you contact us with inquiries, contact our customer support regarding a problem you are experiencing with the Services or otherwise contact us regarding the website or the Services.

‍Information Collected AutomaticallyLike many other commercial websites, we use certain technologies, such as tools for collecting usage data, cookies, web beacons, pixels, and similar technologies, to automatically collect information that may contain personal data as you navigate our websites or use our Services or interact with communications we send to you, subject to your consent.

‍Device and Usage Data
‍When users come to our websites, we may track, collect, and aggregate information indicating, among other things, which pages of our websites were visited, the order in which they were visited, when they were visited, and which hyperlinks were clicked. We also collect information from the URLs from which you linked to our websites. Collecting such information may involve logging the IP address, operating system and browser software used by each user of the websites. We may be able to determine from an IP address a user’s Internet Service Provider and the geographic location of his or her point of connectivity.

‍How we use your informationWe use the personal data we collect, described above, as follows:
- To provide the Services and related support and respond to your requests.
- To the extent permitted by applicable law, and for certain legitimate interests, including:
- To respond to your request for the Services
- To manage our relationship with you, which includes sending administrative information -to you, for example, information regarding the website and changes to our terms, conditions, and policies, information on our own products and services that may be of interest to you and responding to your requests or communicating with you;
- To analyze your preferences, interests and behavior (such as your usage of and interactions with our websites and Services) to identify insights, trends and correlations. This enables us to improve your experience with our Services.
- For other internal business purposes, such as data analysis, benchmarking, audits, conducting research, analysis, studies or surveys and identifying usage trends. To prevent fraud or criminal activities, misuse of our products or services and ensure the security of our IT systems, architecture and networks;
- To (a) comply with legal obligations and legal process; (b) respond to requests from public and government authorities, including public and government authorities outside your country of residence; (c) enforce our Terms of use; (d) protect our operations; (e) protect our rights, privacy, safety of property, and/or that of you or others; and (f) allow us to pursue available remedies or limit the damages that we may sustain.

If you ask us to delete your data or to be removed from our marketing lists and we are required to fulfill your request, to keep basic data to identify you and prevent further unwanted processing.

For marketing and advertising, including sending you updates and information about our new products and services, upcoming events or other promotions or news, including by email or push notification, as permitted by law.

Where required by law we will only send you marketing information if you consent to us doing so at the time you provide us your personal data. You may opt-out of receiving such emails by following the instructions in each promotional email we send you. In addition, if at any time you wish not to receive future communications or you wish to have your name deleted from our mailing lists, please contact us at contact@RIVO.finance. We will continue to contact you via email regarding the provision of our Services and to respond to your requests.

‍How we share your personal data
‍RIVO finance will not sell, rent, lease or otherwise provide your personal data to others, except in order to provide you with the products and services you request and as further described below, or with your permission or as required by applicable law.

‍Service Providers.
We may engage other companies and people to perform tasks on our behalf - meaning they are helping us provide our Services. In particular, we use third party providers of hosting and other information technology services, email communication and customer support services, analytics and data providers, marketing, advertising and investor relations. Following our instructions, these parties may process your personal data in the course of providing the relevant services to us.

‍Affiliates.
We may share your data with our affiliates for administrative purposes; to help provide our Services.

‍Business Transfers.
If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of all or a portion of our assets, or transition of a service to another provider, your personal data and other information may be transferred to a successor or affiliate as part of that transaction.

‍Legal Requirements.
We may share your provided personal data so that we can comply with a legal obligation to which we are subject, protect and defend the rights or property of RIVO Finance, act in urgent circumstances to protect your personal safety or that of the public, or protect RIVO Finance against legal liability.

‍Who will your information be shared with?
‍We only share and disclose your information with the following categories of third parties. If we have processed your data based on your consent and you wish to revoke your consent, please contact us using the contact details provided in the section below titled “How can you contact us about this notice?”.
- Cloud Computing Services
- Data Storage Service Providers
- Communication & Collaboration Tools
- Sales & Marketing Tools
- Website Hosting Service Providers

‍Do we use cookies and other tracking technologies?
‍We may use cookies and other tracking technologies to collect and store your information.We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.

‍Data retention
‍We retain your personal data for as long as reasonably necessary to provide the Services and fulfil the transactions you have requested, complying with our legal obligations or for other legitimate business purposes, such as maintaining business and financial records, resolving disputes, maintaining security, detecting and preventing fraud and abuse, and enforcing our agreements. After the applicable retention period has elapsed, your personal data will be anonymized and deleted.

‍How we protect your personal data
‍We will use industry standard physical, technical, and administrative security measures to keep your personal data confidential and secure, and will not share it with third parties, except as otherwise provided in this Privacy Notice. The Internet, however, cannot be guaranteed to be 100% secure, and we cannot ensure or warrant the security of any personal data you provide to us. It is your responsibility to protect the security of your login information.

‍Children
‍We do not knowingly solicit data from or market to children under 18 years of age. By using the Website, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Website. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at contact@RIVO.finance

‍What are your privacy rights?
‍In some regions (like the EEA and UK), you have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information. To make such a request, please use the contact details provided below. We will consider and act upon any request in accordance with applicable data protection laws.

If we are relying on your consent to process your personal information, you have the right to withdraw your consent at any time. Please note however that this will not affect the lawfulness of the processing before its withdrawal, nor will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.

If you are a resident in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.If you are a resident in Switzerland, the contact details for the data protection authorities are available here: https://www.edoeb.admin.ch/edoeb/en/home.html.If you have questions or comments about your privacy rights, you may email us at contact@RIVO.finance

‍Updating and accessing your personal data
‍You may access, review, modify and delete your account profile information by going to your account and editing your information. However, if you want to update, delete, limit the use or disclosure of, or access the personal data we hold about you in our systems, you will need to email your request to us at contact@RIVO.finance.

‍Cookies and similar technologies
‍Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Website.

‍Opting out of email marketing
‍You can unsubscribe from our marketing email list at any time by clicking on the unsubscribe link in the emails that we send or by contacting us using the details provided below. You will then be removed from the marketing email list.

‍Controls for do-not-track features
‍Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

‍Do California residents have specific privacy rights?
‍Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.If you are under 18 years of age, reside in California, and have a registered account with the Website, you have the right to request removal of unwanted data that you publicly post on the Website. To request removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Website, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g. backups, etc.).

‍CCPA Privacy Notice
‍The California Code of Regulations defines a “resident” as:1.every individual who is in the State of California for other than a temporary or transitory purpose and2.every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purposeAll other individuals are defined as “non-residents.”If this definition of “resident” applies to you, we must adhere to certain rights and obligations regarding your personal information.

‍What categories of personal information do we collect?
‍We have collected the following categories of personal information in the past twelve (12) months:
- Category A — Identifiers: Such as contact details, like your online identifier, Internet Protocol address, email address and account name.
- Category B — Personal information: As defined in the California Customer Records law, such as your name, contact information, education, employment, employment history and financial information.
- Category D — Commercial information: Such as transaction information, purchase history, financial details and payment information.

We may also collect other personal information outside of these categories instances where you interact with us in-person, online, or by phone or mail in the context of:Receiving help through our customer support channels;

‍How do we use and share your personal information?
‍RIVO Finance collects and shares your personal information through:
- Targeting cookies/Marketing cookies
- Beacons/Pixels/TagsMore information about our data collection and sharing practices can be found in this privacy notice.You may contact us by email at contact@RIVO.finance, or by referring to the contact details at the bottom of this document.If you are using an authorized agent to exercise your right to opt-out we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.

‍Will your information be shared with anyone else?
‍We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Each service provider is a for-profit entity that processes the information on our behalf.We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be “selling” of your personal data.RIVO Finance has disclosed the following categories of personal information to third parties for a business or commercial purpose in the preceding twelve (12) months:
- Category A — Identifiers: Such as contact details, like your unique personal identifier, online identifier, Internet Protocol address, email address and account name.
- Category B — Personal information: As defined in the California Customer Records law, such as your name, contact information, education, employment, employment history and financial information.
- Category D — Commercial information: Such as transaction information, purchase history, financial details and payment information.
- Category I — Professional or employment-related information: Such as business contact details in order to provide you our services at a business level, job title as well as work history and professional qualifications if you apply for a job with us.

RIVO Finance has not sold any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. RIVO Finance will not sell personal information in the future belonging to website visitors, users and other consumers.

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‍Your rights with respect to your personal data

Right to request deletion of the data - Request to deleteYou can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation or any processing that may be required to protect against illegal activities.

‍Right to be informed - Request to know
‍Depending on the circumstances, you have a right to know:
- whether we collect and use your personal information;
- the categories of personal information that we collect;
- the purposes for which the collected personal information is used;
- whether we sell your personal information to third parties;
- the categories of personal information that we sold or disclosed for a business purpose;
- the categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
- the business or commercial purpose for collecting or selling personal information.In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request.

‍Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
‍We will not discriminate against you if you exercise your privacy rights.

‍Verification process
‍Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g. phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate.We will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. If, however, we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity, and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.

‍Other privacy rights
- you may object to the processing of your personal data.
- you may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the data.
- you can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA.
- you may request to opt-out from future selling of your personal information to third parties. Upon receiving a request to opt-out, we will act upon the request as soon as feasibly possible, but no later than 15 days from the date of the request submission.
To exercise these rights, you can contact us by email at contact@RIVO.finance, or by referring to the contact details at the bottom of this document. If you have a complaint about how we handle your data, we would like to hear from you.

‍Do we make updates to this notice?
‍Yes, we will update this notice as necessary to stay compliant with relevant laws.We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

‍How can you contact us about this notice?I
f you have questions or comments about this notice, you may contact us by email at contact@RIVO.finance

‍How can you review, update or delete the data we collect from you?
‍Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please submit a request form by email contact@RIVO.finance