The rules of the road — one soft pull, no obligations.

These Terms of Service form a binding agreement between you and Rivven. By accessing the site, creating an account, or submitting a pre-qualification you confirm that you have read, understood, and agreed to these Terms.

Rivven is intended for adults (18+) who are U.S. residents and who are seeking a personal-loan product listed on the marketplace at the time of pre-qualification. We may decline to serve any visitor, and we may change eligibility criteria at any time without notice. Partner banks retain their own underwriting eligibility rules; satisfying Rivven’s pre-qualification does not guarantee that any partner will approve your loan.

Subject to your compliance with these Terms, Rivven grants you a personal, non-exclusive, non-transferable, non-commercial, revocable license to access the site and use the pre-qualification and ranking features for your own personal loan-shopping purposes.

You may not copy, scrape, frame, redistribute, sell, sublicense, or commercially exploit the service, the data it returns to you, or any portion of the site. You may not attempt to reverse-engineer the matching model, the audit-trail system, or any partner feed. You may not use the service to violate any applicable law or regulation.

Rivven guarantees that no hard credit inquiry will be performed on your consumer report as a result of submitting a pre-qualification through this site. Pre-qualification uses a soft credit inquiry only, performed by a partner consumer reporting agency under your written authorization, and does not affect your credit score.

A hard credit pull occurs only after you accept a specific loan offer from a partner bank, on that partner bank’s acceptance page, and only after you provide affirmative, separate consent. Rivven does not perform that hard pull; the originating partner bank does, under its own permissible-purpose certification. You are never obligated to accept any offer you receive through Rivven.

Where Rivven obtains a soft consumer report about you, we do so under a permissible purpose (your credit application) and we limit retention, use, and disclosure of that report to what the Fair Credit Reporting Act and its implementing regulation permit.

You have the right to dispute the accuracy of any information Rivven has stored about your consumer report, application, or pre-qualification record. The dispute process and contact details are described in our Privacy Policy and again in the “Dispute contacts & customer support” section below.

The fastest way to reach the Rivven compliance team is rivven-2@polsia.app. We will acknowledge a written dispute within ten business days and complete our investigation within thirty days, in line with the federal timelines that apply to consumer-report disputes.

Postal mail should be addressed to Rivven, c/o Compliance, at the address listed in the footer of your most recent partner-bank disclosure packet. Until we publish a postal address on this site, please direct any paper-required correspondence to the email above and we will reply with a current mailing address within five business days.

Please read this section carefully. It affects how disputes between you and Rivven are resolved.

You and Rivven agree that any dispute, claim, or controversy arising out of or relating to your use of the Rivven site, the pre-qualification, or these Terms (a “Claim”) will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules then in effect, rather than in court.

You may opt out of this arbitration agreement by sending a written notice to Rivven at rivven-2@polsia.app within thirty (30) days of first accepting these Terms. The notice must include your name, the email address tied to your Rivven account (if any), and a clear statement that you wish to opt out of arbitration. If you do not opt out within thirty days, you and Rivven are each giving up the right to a jury trial and the right to participate in any class, consolidated, or representative proceeding.

The arbitration will be conducted on an individual basis only — no class, consolidated, or representative actions are permitted. Notwithstanding any AAA rule to the contrary, the arbitrator may not award relief to anyone other than the individual parties to the arbitration. Judgment on the award may be entered in any court of competent jurisdiction.

To the maximum extent permitted by applicable law, you and Rivven each waive any right to participate in a class, consolidated, or representative action against the other. If a court or arbitrator determines that this class-action waiver is unenforceable with respect to a particular Claim, then that Claim — and only that Claim — will proceed in court and the parties agree it will be litigated on an individual basis.

To the maximum extent permitted by applicable law, Rivven’s total cumulative liability to you for any and all Claims arising out of or relating to these Terms or your use of the service will not exceed the greater of (a) the total fees, if any, you paid to Rivven in the twelve (12) months preceding the event giving rise to the Claim, or (b) one hundred U.S. dollars (US$100).

In no event will Rivven, its affiliates, its officers, its directors, its employees, its agents, or its service providers be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, goodwill, use, data, or other intangible losses, arising out of or relating to these Terms or your use of the service, even if Rivven has been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions the limitations above will apply to the maximum extent permitted by applicable law.

We may update these Terms from time to time. When we make a material change we will post the updated Terms at this URL with a new effective date, and — where appropriate — notify signed-in users by email. Continued use of Rivven after the effective date constitutes acceptance of the updated Terms.

Rivven can be reached by email at rivven-2@polsia.app. We do not list a postal mailing address on this site yet; until we publish one, please direct any correspondence that requires paper delivery to the email above and we will reply with a current mailing address within five business days.