Privacy Policy

Who We Are

This Privacy Policy applies to the processing of personal data by the following companies of the Riva Group:

• Riva Money Ltd., a company registered in the UK (reg. no. 16174774) with its registered office at 30 Churchill Place, Ground Floor, London, UK E14 5RE.
• Riva Money Europe AB, a company registered in Sweden (reg. no. 559519-2674) with its registered office at Bröderna Pihl gränd 2, 252 36 Helsingborg, Sweden.
• Riva Money Switzerland Limited., a company registered in Switzerland (reg. no. CHE-130270533) with its registered office at Gewerbestrasse 10, CH-6330 Cham, Switzerland.

Who This Policy Applies To

This Privacy Policy explains how we collect, use, and protect personal data relating to the following categories of individuals:

• Visitors to our websites or digital platforms
• Prospective customers and users who interact with us before onboarding
• Registered customers and users of our international payment services platform
• Payment recipients whose transactions are processed through our services
• End users or customers of our business clients, where we process personal data on their behalf
• Individuals applying for employment or contracting opportunities with us

If you are unsure whether or how this Privacy Policy applies to you, please contact us at privacy@rivamoney.com.

How We Collect Your Personal Data

We collect personal data directly from you when you engage with Riva's services — for example, sign up for our waiting list, when you apply to open a business account, initiate a transaction, or contact us for support.

In addition, we may collect personal data from third parties, including:

• Verification and compliance partners who assist us with customer due diligence
• Financial institutions or payment partners involved in processing or facilitating transactions
• Public databases and official registries
• Fraud prevention and risk management providers

What Personal Data We Collect

The personal data we collect depends on how you interact with Riva and the nature of your relationship with us.

Website Visitors

When you visit our website, we may collect limited technical and usage data, such as:

• Pages viewed, access times, and user interaction
• Device and browser type, operating system, IP address, network location

Customers and Authorised Representatives

When your business signs up with Riva, we may collect:

• Personal and contact details (name, date of birth, address, email, phone)
• Government-issued ID and verification data
• Business details (company name, registration number, ownership structure)
• Financial information (transaction history, payment data, bank account details)
• Communication records with our support team

Legal Basis for Processing

We will only process your personal data when the law permits us to do so. Depending on the nature of our relationship with you, we rely on the following lawful bases:

• Contractual Necessity: Processing necessary to enter into or perform our contract with you.
• Legal Obligations: Processing required to comply with applicable laws and regulations.
• Legitimate Interests: Processing necessary for our business interests where not overridden by your rights.
• Consent: Where we ask for your explicit consent, such as for marketing communications.

Your Rights

Depending on your location and applicable data protection laws, you have certain rights including:

• Right to Access: Request a copy of the personal data we hold about you
• Right to Rectification: Request correction of inaccurate or incomplete data
• Right to Erasure: Request deletion of your personal data in certain circumstances
• Right to Data Portability: Receive your data in a structured, machine-readable format
• Right to Object: Object to processing in certain situations
• Right to Withdraw Consent: Withdraw consent at any time where processing is based on consent

How to Contact Us

If you have any questions about this Privacy Policy or how we handle your personal data, please contact us:

Email: privacy@rivamoney.com