Terms of Service
Please read these terms carefully before using Riro's borderless banking platform and services.
Last updated: September 10, 2025
Agreement to Terms
By accessing or using Riro Inc.'s ("Riro", "we", "us", or "our") borderless banking platform, mobile application, or any related services (collectively, the "Service"), you agree to be bound by these Terms and Conditions of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.
Service Description
Riro provides a digital banking platform that offers:
- Multi-currency bank accounts (USD, EUR, GBP)
- Stablecoin wallet services (USDC, USDT)
- International money transfers and remittances
- Digital payment solutions
- Financial management tools
- Cryptocurrency conversion services
Eligibility
To use our Service, you must:
- Be at least 18 years old
- Have legal capacity to enter into binding agreements
- Provide accurate and complete information during registration
- Comply with all applicable laws and regulations
- Not be prohibited from using financial services in your jurisdiction
- Complete our Know Your Customer (KYC) verification process
Account Registration
To create an account, you must provide accurate, current, and complete information. You are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Promptly updating your information if it changes
- Notifying us immediately of any unauthorized access
Acceptable Use
You agree not to use the Service for any unlawful or prohibited activities, including:
- Money laundering or terrorist financing
- Fraudulent or deceptive practices
- Violation of any applicable laws or regulations
- Circumventing security measures
- Interfering with the Service's operation
- Attempting to gain unauthorized access to our systems
- Using the Service for illegal gambling or other prohibited activities
Financial Services Terms
Account Services
- Account balances are held in segregated accounts
- Interest rates may apply and are subject to change
- Account fees are disclosed in our fee schedule
- We reserve the right to suspend or close accounts for violations
Transactions
- Transaction limits may apply based on account type and verification level
- Processing times vary by transaction type and destination
- Exchange rates are determined by market conditions
- Failed transactions may incur fees
Cryptocurrency Services
- Cryptocurrency values are volatile and subject to market risk
- We do not guarantee cryptocurrency conversion rates
- Cryptocurrency transactions may be irreversible
- Regulatory changes may affect cryptocurrency services
Fees and Charges
We may charge fees for various services as outlined in our fee schedule. All fees are clearly disclosed before you complete a transaction. We reserve the right to modify our fee structure with 30 days' notice.
Compliance and Legal Requirements
You agree to comply with all applicable laws and regulations, including:
- Anti-Money Laundering (AML) regulations
- Know Your Customer (KYC) requirements
- Tax reporting obligations
- Sanctions and embargo regulations
- Data protection and privacy laws
Limitation of Liability
To the maximum extent permitted by law, Riro shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of the Service.
Disclaimers
The Service is provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
Termination
Either party may terminate this agreement at any time. We may suspend or terminate your account immediately if you violate these Terms or engage in fraudulent activities. Upon termination, you must cease all use of the Service.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to conflict of law principles. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts in [Jurisdiction].
Changes to Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by email or through our platform. Your continued use of the Service after such changes constitutes acceptance of the modified Terms.
Contact Information
If you have any questions about these Terms, please contact us:
Email: austine@riromonie.com
Address: Riro Inc., 8 The Green, Ste A, in the City of Dover County, Delaware, USA.
Phone: +234 813 457 9812