The terms of our agreement.

These Terms govern your use of the Rivalta platform — the decision engine, the application at app.rivalta.co, the Sealed Findings Handoff feature, the sandbox at try.rivalta.co, and the marketing site at rivalta.co. The platform is operated by Rivalta, Inc. “We,” “us,” and “Rivalta” refer to Rivalta, Inc. “You” refers to the professional or firm that holds the subscription.

By creating an account or using the platform, you accept these Terms. If you are using Rivalta on behalf of a firm, you represent that you have the authority to bind that firm.

Rivalta is a professional tool. Accounts are limited to licensed practitioners in one of the disciplines the platform supports — wealth advisors, certified public accountants, tax attorneys, estate attorneys, insurance producers, and commercial real-estate professionals — and to their firms. Users must be eighteen years of age or older.

You are responsible for the security of your account credentials and for all activity that occurs under your seat. Tell us immediately if you suspect your credentials have been compromised.

Rivalta is decision support for the professional. The platform produces reasoning, conflict analysis, and recommendations across the domains it covers. Those outputs are inputs to your professional judgment. They are not a substitute for it.

Rivalta is not a fiduciary, an investment adviser, a tax preparer, an attorney, an insurance producer, or a real-estate professional. The platform does not establish a client-professional relationship between Rivalta and the households you serve. Their relationship is with you, under your firm’s engagement, governed by your firm’s standard of care.

You are responsible for the accuracy of the substrate you submit, for the appropriateness of the recommendations you adopt, and for the disclosures you make to your clients.

Rivalta is sold by seat, by month, on a recurring subscription. Each seat carries a tier (Pro or Firm) and its own monthly allotment of plan credits — credit allotments are granted per seat, not per firm. Credits are debited by specific operations on the platform — an analysis, a Concord cross-vertical pass, and certain other premium operations. The debit for each operation is shown in the application before the operation runs. Rivalta uses two kinds of credits, and the distinction matters.

Plan credits. Plan credits are the allotment included with your subscription. They are granted at the start of each billing period and roll forward for ninety days from the end of the calendar month in which they were granted. Unused plan credits older than ninety days expire.

Extra credits. Extra credits may be purchased separately at the per-credit rate shown in the application — the same rate that applies to overage and to credits purchased inside the pre-customer sandbox at try.rivalta.co. Extra credits do not expire while your subscription is active. On cancellation, any unused extra credits expire with the subscription; we do not refund unused credits of either kind.

Order of consumption. When you run an operation, the platform draws from plan credits before extra credits, and within each kind it draws from the oldest credits first. This protects plan credits from expiring while your balance is still positive.

Failed operations. Operations that fail before producing a result do not consume credits. If an operation fails and a credit is debited from your balance regardless, email [email protected] with the operation ID; we will investigate and credit your account if the debit was in error.

Overage. If your balance reaches zero and you continue to run operations, the additional usage is billed as overage at the same per-credit rate as extras. Pricing in effect on the date of your most recent invoice governs that invoice.

Subscriptions renew monthly until canceled. Cancellation takes effect at the end of the current billing period. We do not prorate refunds for partial months.

We may adjust pricing with thirty days’ notice. If a price increase would apply to your subscription, you may cancel before the increase takes effect without further obligation.

Rivalta runs a pre-customer sandbox at try.rivalta.co — a separate environment that lets a professional run a single-vertical dossier or open a Sealed Findings Handoff they have received, before deciding whether to subscribe. The sandbox is its own substrate. It does not share data with production accounts, and any work you produce in the sandbox stays in the sandbox unless you elect to subscribe and explicitly import it into a production workspace.

The sandbox runs on infrastructure hosted in Germany, in the European Union, separate from the main Rivalta platform’s infrastructure in Zürich, Switzerland. The two environments do not transfer data between themselves. The pseudonymization architecture described on the privacy page applies in both environments — the substrate the sandbox holds is raw numbers, role labels, and pseudonyms, not household identifiers.

Sandbox engagements are time-bounded; the expiry window is shown in the application. Credits used in the sandbox cost the same per-credit rate as elsewhere on the platform (see the credits section above). Use of the sandbox does not by itself establish a subscription, a fiduciary relationship, or any continuing obligation between you and Rivalta beyond the sandbox engagement itself. Expired sandbox data is deleted on the retention timeline described on the privacy page.

You agree not to use Rivalta to violate applicable law, to infringe the rights of others, to submit data you are not authorized to submit, to bypass the platform’s pseudonymization architecture, to reverse-engineer or attempt to derive the reasoning agents’ underlying prompts or model weights, to scrape the platform programmatically outside of any documented API, to resell access without our written permission, or to test the platform for security flaws without coordinating with us first.

You agree not to type into Rivalta any information that the platform’s pseudonymization architecture is designed to keep on your device — client names, postal addresses, dates of birth, Social Security numbers, custodian account numbers. The application’s entry surfaces guide you away from this; you remain responsible for what you submit.

You retain ownership of the substrate you submit and the outputs the platform produces for you. We hold the rights we need to operate the platform on your behalf: to process the substrate through the reasoning pipeline, to render its outputs back to you, to store it for the duration of your subscription, and to back it up and recover it.

We do not train models on your engagement data. We do not share your engagement data with other customers. The de-identified, aggregate analyses we run to improve the platform are stripped of the pseudonyms that link back to your account before any aggregation takes place.

Rivalta owns the platform itself: the source code, the reasoning architecture, the agent designs, the user-interface designs, the trademarks, and the eleven patent-pending claims that cover the multi-agent orchestration, the cross-domain conflict resolution, and the anonymization architecture (USPTO Application 64/062,916, filed May 11, 2026). Nothing in these Terms transfers any of those rights to you.

You may give us feedback. If you do, we may use it to improve the platform without obligation to you.

A Sealed Findings Handoff is an encrypted bundle one professional sends to another. If you receive a Handoff without being a Rivalta subscriber, the following limited terms apply to your use of the bundle and the read-only recipient surface that accompanies it: the bundle is provided to you solely so that the sender’s referral can be received in usable form; you may open it once, within the expiry window the sender chose, and use the contents to advise the household the sender referred to you; you may not redistribute it, scrape it, or use it as input to a competing product. You are not a customer of Rivalta by virtue of receiving a Handoff, and no fiduciary, custodial, or advisory relationship is established between you and Rivalta.

Each party will protect the other’s confidential information with at least the same care it uses to protect its own — in our case, the technical and organizational measures described on our privacy page. A written data-processing agreement is available on request to [email protected].

The platform is provided on an “as is” and “as available” basis. We work hard on accuracy, uptime, and security, and the architecture is designed to earn the trust the professional places in it — but we make no warranty that the platform will be uninterrupted, that every recommendation will be correct in every case, or that the platform will meet the specific requirements of any particular engagement.

To the maximum extent permitted by law, Rivalta’s aggregate liability arising out of or related to these Terms will not exceed the fees you paid us in the twelve months preceding the event giving rise to the claim. Rivalta will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost revenue, or lost data.

You agree to indemnify Rivalta against third-party claims arising from your violation of these Terms, your misuse of the platform, or your breach of the professional standards applicable to your engagement with the household you advise.

You may cancel your subscription at any time from the application; cancellation takes effect at the end of the current billing period. We may suspend or terminate your access for material breach of these Terms, non-payment, or conduct that puts the platform or other customers at risk. We will give you reasonable notice and a chance to cure where circumstances allow.

On termination, we will make your engagement data available for export for thirty days, after which we will delete it on the retention schedule described on the privacy page. Provisions of these Terms that by their nature should survive termination — ownership, confidentiality, disclaimers, limitation of liability, indemnity, governing law — will survive.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law rules. The parties agree to bring any dispute exclusively in the state or federal courts located in New Castle County, Delaware, and consent to personal jurisdiction there. The parties will attempt to resolve disputes informally for thirty days before filing a claim.

We may revise these Terms from time to time. When we make a material change, we will email account owners at least thirty days before the change takes effect and update the revision date at the top of this page. Continued use of the platform after the change takes effect is acceptance of the revised Terms.