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Terms of Service

Version 1.1

Effective date: April 24, 2026

Welcome to Rivera. These Terms of Service ("Terms") govern your access to and use of Rivera's platform, services, and website (collectively, the "Services") operated by Oak River Studios LLC ("Rivera," "we," "our," or "us"). Please read these Terms carefully before using our Services.

By creating an account or using Rivera, you agree to be bound by these Terms, our Privacy Policy, and our Acceptable Use Policy. If you do not agree, you may not access or use the Services.

1. Platform Overview

Rivera is a software platform ("Business Launch Engine") that provides tools for website building, client management, invoicing, e-signatures, automations, and other business operations. Rivera is a tool provider, not an operator of your business. You are solely responsible for how you use the platform and the business decisions you make using it.

2. Account Registration and Responsibility

To use certain features of our Services, you must register for an account. When you register, you agree to:

You may not share account credentials or allow others to access your account. If you are using Rivera on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

3. Data Ownership and License

3.1 Your Data

You retain all ownership rights to the data, content, and materials you submit to Rivera ("Your Data"). We do not claim ownership of Your Data.

3.2 Operational License

By using our Services, you grant us a limited, non-exclusive, worldwide license to use, store, process, and display Your Data solely as necessary to provide, maintain, and improve the Services. This license terminates when you delete Your Data or close your account, except for data retained in backups for a reasonable period or as required by law.

3.3 Aggregated and Anonymized Data

We may create aggregated, anonymized, or de-identified data derived from Your Data and usage of the Services ("Aggregated Data"). Aggregated Data does not identify you or any individual and will not contain personally identifiable information. We may use Aggregated Data for any business purpose, including analytics, benchmarking, improving our Services, and developing new features, including AI-powered features.

3.4 Data Responsibility

You are responsible for maintaining independent backups of Your Data. While we implement reasonable measures to protect your data, we do not guarantee uninterrupted access to the Services, and we are not liable for any loss of data or failure of data recovery. You acknowledge that maintaining your own backups is your responsibility.

4. AI Features

4.1 Assistive Nature

Rivera may offer AI-powered features, including but not limited to content generation, business suggestions, analytics insights, and automated workflows. These features are assistive, not authoritative. AI-generated output may be inaccurate, incomplete, or inappropriate for your specific situation.

4.2 Your Responsibility

You are solely responsible for reviewing, verifying, and approving any AI-generated content or suggestions before use. Rivera is not liable for decisions you make based on AI-generated output, including but not limited to business, legal, financial, or operational decisions.

4.3 AI Data Access and Third-Party Processing

To provide AI-powered features, certain business data necessary for these functions may be processed by approved third-party AI service providers under strict confidentiality and security obligations. This processing is subject to our Privacy Policy. We do not sell or use Your Data for external AI model training. Your Data is transmitted securely to these providers solely to generate responses and is not retained by them beyond the scope of the request.

4.4 AI Credits

Each subscription tier includes a monthly allocation of Lumo AI credits ("AI Credits") that govern your usage of AI-powered features, including but not limited to Lumo interactions, content generation, analytics insights, and automated AI workflows. AI Credit allocations by tier are as follows:

AI Credits are consumed on a weighted basis — simple interactions (such as questions or lookups) consume fewer credits, while complex operations (such as page generation, multi-step workflows, or detailed reports) consume more. Current credit consumption rates are available in your account dashboard.

You will receive a notification when you have used 80% of your monthly AI Credits. Once your allocation is exhausted, you may purchase additional AI Credit packs to continue using AI-powered features. Additional credit pack pricing is available on the pricing page and in your account dashboard.

Unused AI Credits do not roll over and reset at the beginning of each billing cycle. Rivera reserves the right to adjust AI Credit allocations and consumption rates with at least 30 days' notice. AI Credits are non-transferable between accounts and have no cash value.

5. Payments and Transaction Fees

5.1 Payment Processing

Payment processing on Rivera is provided by Stripe, Inc. ("Stripe") through Stripe Connect. Rivera is not a bank, payment processor, or money transmitter. By using payment features, you agree to Stripe's Connected Account Agreement and Terms of Service.

5.2 Transaction Rate

All payments processed through Rivera — including website checkout, invoices, payment links, subscription billing, and manual charges — are subject to a single, all-inclusive transaction rate. This rate includes both Stripe's payment processing fees and Rivera's platform fee. The applicable transaction rate is determined by your subscription tier:

Transaction rates are subject to change with at least 30 days' notice. Current rates are always available on the pricing page and in your account dashboard. You may not bypass Rivera's payment infrastructure to avoid the transaction rate for payments related to business conducted through the platform.

5.3 Payment Disputes

Disputes between you and your customers regarding payments are between you and your customers. Rivera will cooperate with Stripe's dispute resolution process but is not a party to such disputes.

6. Subscription Billing

6.1 Subscription Tiers

Access to Rivera requires a paid subscription. Rivera offers tiered subscription plans (Core, Growth, and Scale), each with a fixed monthly fee, a corresponding transaction rate, and a monthly allocation of Lumo AI Credits (see Section 4.4). Full details of current plans are available on the pricing page.

6.2 Seats

Each subscription tier includes a set number of user seats. Additional seats may be added at a per-seat monthly fee. A "seat" represents one user login with access to the platform.

6.3 Billing Cycle

Subscription fees are billed in advance on a recurring basis (monthly or annually, as selected). By subscribing, you authorize us to charge your payment method on a recurring basis.

6.4 Auto-Renewal

Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You may cancel at any time through your account settings.

6.5 Payment Failure

If your payment method fails or is declined, we may suspend access to paid features after a reasonable grace period until payment is successfully processed. We will attempt to notify you of any payment failure before suspension takes effect.

6.6 Pricing Changes

We reserve the right to change subscription fees, transaction rates, and tier structures. We will provide at least 30 days' notice of any pricing change. The new pricing will take effect at the start of your next billing period after the notice period.

6.7 Founders Program

Rivera may offer a Founders Program with a lifetime subscription rate for early access users. Founders Program pricing, once locked in, will not increase for the lifetime of the account, provided the account remains in continuous good standing. Transaction rate structure still applies based on the account's selected tier. Founders Program accounts receive 150 Lumo AI Credits per month (see Section 4.4). The Founders Program is limited in availability and may be discontinued at Rivera's discretion.

Forfeiture of Founders pricing. Founders Program pricing is forfeited if the account is cancelled, terminated, or refunded under Section 6.8. If a former Founders Program customer returns to Rivera in the future, they will be subject to then-current standard pricing and will not be eligible to reinstate the original Founders rate.

6.8 Refund Policy

30-Day Money-Back Guarantee. Rivera offers a 30-day money-back guarantee on subscription fees. Within 30 days of your account activation date (defined as the date of your first subscription payment to Rivera), you may request a full refund of subscription fees paid to date by emailing [email protected]. Refunds are processed within 5–10 business days and issued to the original payment method. Rivera will not require justification, survey completion, or retention calls as a condition of processing the refund.

What the guarantee covers. The guarantee refunds your Rivera subscription fee only. It does not cover:

Effect of refund. Upon refund, your Rivera account will be closed and access to paid features will end. Account data will be retained for 30 days following refund, after which it may be permanently deleted. You are responsible for exporting any data you wish to retain before requesting a refund.

Founders Program. Accepting a refund ends Founders Program pricing for the account (see Section 6.7). If you later return to Rivera, you will be subject to then-current standard pricing.

One guarantee per customer. The 30-day money-back guarantee is available only for a customer's first Rivera account activation. For purposes of this guarantee, a "customer" is identified by the combination of email address and business entity. Subsequent accounts opened under a different email but the same business entity, or under a different business entity but the same email, are not eligible for an additional money-back guarantee. Reactivations of any kind following a refund are also not eligible.

Chargebacks forfeit the guarantee. If you initiate a chargeback or payment dispute through your bank or card issuer instead of contacting [email protected] for a refund, you forfeit eligibility for the money-back guarantee. Rivera will respond to disputed charges through standard chargeback resolution and may close affected accounts and revoke Founders pricing.

After the 30-day window. After 30 days from activation, subscription fees are non-refundable except as required by law. If you cancel mid-cycle, you will retain access to paid features until the end of your current billing period.

7. Automations

Rivera may provide automation features, including scheduled tasks, triggered workflows, and automated communications. You are solely responsible for configuring, monitoring, and maintaining your automations. Rivera is not liable for unintended actions, messages sent, or consequences resulting from automations you configure.

8. E-Signatures

Rivera provides electronic signature tools to facilitate document signing. Rivera provides technology tools only and does not provide legal advice. You are solely responsible for:

Rivera does not guarantee that e-signatures created through the platform will be legally binding in all jurisdictions or for all document types.

9. SMS and Communications

9.1 Rivera Platform Messages

By providing your phone number during account registration and consenting to receive SMS messages (via checkbox or account settings), you agree to receive text messages from Rivera ("Rivera Messaging") for the following purposes:

Message frequency varies based on your account activity and security events. Message and data rates may apply. You may opt out of non-security messages at any time by replying STOP to any message or adjusting your notification preferences in your account settings. Reply HELP to any message for support, or contact us at [email protected]. Opting out of 2FA messages may require you to use an alternative authentication method.

SMS services are provided by Twilio, Inc. Your phone number will be shared with Twilio solely for message delivery. See Twilio's Privacy Policy for details.

9.2 Business-to-Customer Messaging

Rivera enables account holders to send SMS messages to their own customers through CRM, automation, and operational features. If you use Rivera's messaging features to communicate with your customers, you agree to:

Rivera provides the messaging infrastructure but is not responsible for the content of messages you send to your customers. You are solely liable for ensuring your messaging practices comply with all applicable laws and regulations.

9.3 Lumo-Initiated Messages

Lumo, Rivera's AI assistant, may trigger automated messages on your behalf based on workflows and automations you configure, including but not limited to appointment reminders, order confirmations, follow-up messages, and status updates. Lumo-initiated messages are subject to the same consent and compliance requirements as business-to-customer messages (Section 9.2). You are responsible for reviewing and approving any automated messaging workflows before they are activated. Lumo will always request confirmation before enabling a new automated messaging workflow.

9.4 Message Frequency and Costs

Message frequency varies based on account activity, configured automations, and customer interactions. Standard message and data rates from your wireless carrier may apply to messages you receive from Rivera. Outbound messaging costs for business-to-customer messages are included in your subscription tier and subject to reasonable use limits.

10. Third-Party Services

Rivera integrates with and relies on third-party infrastructure and services, including but not limited to:

Rivera is not responsible for the availability, performance, errors, or outages of any third-party service. Your use of features that depend on third-party services is additionally subject to those services' terms and policies. We are not liable for any damages arising from third-party service interruptions or changes.

11. Service Evolution

Rivera is an evolving platform. We may add, modify, or discontinue features at any time. We will make reasonable efforts to notify you of significant changes that affect your use of the Services. Continued use of the Services after changes constitutes acceptance of those changes.

Certain features may be labeled as "beta," "early access," or "experimental." Such features are provided as-is without warranty of completeness, stability, or continued availability, and may be modified or removed without notice.

12. Intellectual Property

The Services and all related content, features, technology, and functionality are owned by Rivera and are protected by copyright, trademark, patent, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Services without our prior written consent.

You retain ownership of Your Data and any original content you create using the Services.

13. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Services will be uninterrupted, secure, or error-free, or that any defects will be corrected. We do not warrant that AI features will produce accurate, complete, or appropriate results.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RIVERA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, WHETHER INCURRED DIRECTLY OR INDIRECTLY, REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIMS ARISING UNDER OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

15. Indemnification

You agree to indemnify, defend, and hold harmless Rivera and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

16. Account Termination

16.1 Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature in your settings.

16.2 Termination by Rivera

We may suspend or terminate your access to the Services at any time, with or without cause, including but not limited to violations of these Terms or our Acceptable Use Policy. We will make reasonable efforts to provide notice before termination, except in cases of severe violations or legal requirements. If Rivera terminates your account without cause, you will receive a pro-rata refund of any prepaid, unused subscription fees.

16.3 Effect of Termination

Upon termination, your right to use the Services will immediately cease. Your Data will be available for export for 30 days following termination, after which it will be permanently deleted in accordance with our data retention practices.

17. Compliance Responsibility

You are solely responsible for ensuring that your use of the Services complies with all applicable laws, regulations, and industry standards relevant to your business, including but not limited to:

Rivera provides tools to help you run your business but does not guarantee compliance with any specific regulatory framework.

18. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide at least 30 days' notice of material changes by email and/or posting a notice within the Services. Your continued use of the Services after the notice period constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Services and close your account.

19. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflict of law provisions.

20. Dispute Resolution

20.1 Binding Arbitration

Any disputes arising out of or relating to these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall take place in Wisconsin, and the arbitrator's decision shall be final and binding.

20.2 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

20.3 Exceptions

Either party may seek injunctive relief in any court of competent jurisdiction for matters relating to intellectual property rights or unauthorized access to the Services.

21. General Provisions

22. Contact Us

If you have any questions about these Terms, please contact us at:

Oak River Studios LLC (d/b/a Rivera)
Email: [email protected]
Website: rivera.tech