Ribba Terms of Service
Effective Date: 1st July 2026
1. Introduction
Welcome to Ribba (“Ribba,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of the Ribba website, conversational platform, applications, APIs, and related services (collectively, the “Services”).
By creating an account, accessing, or using Ribba, you agree to these Terms. If you do not agree, you should discontinue use of the Services.
2. About Ribba
Ribba is a Conversational Financial Operating System (FinancialOS) that enables individuals, businesses, cooperatives, financial institutions, and merchants to access financial services through AI-powered conversations.
Depending on your financial institution or business account, Ribba may provide:
- Account enquiries
- Balance checks
- Money transfers
- Transaction history
- Bill payments
- Business management
- Inventory management
- Expense tracking
- Customer and debt management
- Business reporting
- AI-powered financial assistance
- Fraud monitoring
- Customer support
Some services are provided directly by licensed banks, payment providers, cooperatives, fintech companies, or other authorized financial institutions integrated with Ribba.
3. Eligibility
You may use Ribba only if you:
- Are at least 18 years old or have legal capacity in your jurisdiction.
- Provide accurate registration information.
- Agree to comply with all applicable laws.
- Successfully complete any required identity verification.
We reserve the right to refuse or suspend access where legal or regulatory requirements are not met.
4. Your Account
You are responsible for:
- Protecting your password, PIN, and authentication credentials.
- Maintaining accurate account information.
- Ensuring that all activities under your account are authorized.
- Promptly notifying us if your account or device is compromised.
Never share your PIN, passwords, verification codes, or authentication credentials with anyone.
5. Identity Verification
To comply with applicable financial regulations, Ribba or its financial partners may request identity verification, including:
- Government-issued identification
- Selfie verification
- Phone verification
- Email verification
- Address verification
- Know Your Customer (KYC) checks
- Anti-Money Laundering (AML) screening
Failure to complete verification may prevent access to certain Services.
6. Transactions
By confirming a transaction through Ribba, you authorize its execution.
Before confirming any transaction, you are responsible for verifying:
- Recipient details
- Account numbers
- Payment amounts
- Reference information
Once processed, transactions may not be reversible unless permitted by applicable law or your financial institution.
7. AI Services
Ribba uses artificial intelligence to understand conversations and assist with financial tasks.
AI responses are intended to improve user experience but should not be considered legal, accounting, investment, or tax advice.
Users remain responsible for decisions made based on information provided through the Services.
8. Business Features
Business users may access additional capabilities including inventory management, customer records, expense tracking, sales recording, financial reporting, and analytics.
Business users are solely responsible for ensuring the accuracy of business records entered into Ribba.
9. Acceptable Use
You agree not to:
- Commit fraud.
- Impersonate another person.
- Submit false information.
- Attempt unauthorized access.
- Distribute malware.
- Reverse engineer the platform.
- Interfere with system operations.
- Use Ribba for illegal financial activity.
- Violate sanctions or applicable financial laws.
Violation of these Terms may result in immediate suspension or termination.
10. Fees
Certain services may attract fees imposed by Ribba, integrated financial institutions, payment providers, or third-party partners.
Applicable charges will be disclosed where required before a transaction is completed.
11. Third-Party Services
Ribba integrates with banks, payment processors, messaging platforms, cloud providers, identity verification providers, and other third-party services.
We are not responsible for service interruptions, pricing, policies, or decisions made by third-party providers.
12. Security
Ribba employs industry-standard security measures, including:
- Encryption
- Secure authentication
- Multi-factor authentication where available
- Fraud detection
- Audit logging
- Session monitoring
- Device management
- Access controls
While we strive to protect your information, no electronic system can guarantee absolute security.
13. Intellectual Property
All software, branding, trademarks, interfaces, conversational models, designs, documentation, and content are owned by Ribba or its licensors.
You may not reproduce, modify, distribute, reverse engineer, or commercially exploit any part of the Services without prior written permission.
14. Availability
We aim to provide reliable Services but cannot guarantee uninterrupted availability.
Services may be unavailable due to maintenance, system upgrades, third-party failures, network interruptions, or circumstances beyond our reasonable control.
15. Suspension and Termination
We may suspend or terminate accounts if:
- These Terms are violated.
- Fraudulent activity is suspected.
- Required by law.
- Requested by a financial institution.
- Necessary to protect users or the platform.
16. Limitation of Liability
To the maximum extent permitted by law, Ribba shall not be liable for indirect, incidental, consequential, or punitive damages, including loss of profits, business opportunities, goodwill, or data arising from your use of the Services.
17. Indemnification
You agree to indemnify and hold Ribba, its employees, affiliates, partners, and service providers harmless from claims, losses, liabilities, damages, costs, and expenses arising from your use of the Services or your violation of these Terms.
18. Changes to the Terms
We may revise these Terms periodically. Updated versions will be posted on our website with a revised Effective Date.
Continued use of the Services after changes become effective constitutes acceptance of the revised Terms.
19. Governing Law
These Terms shall be governed by the laws applicable in the jurisdiction in which Ribba operates, without regard to conflict of law principles.
20. Contact Us
For questions regarding these Terms, contact:
Ribba Legal Team
Email: support@ribba.site