Terms
Last updated: May 2026
1. About These Terms
These Terms of Service ("Terms") govern your access to and use of the website at rivativ.ai and all associated products and services operated by Rivativ, as referenced in the Imprint ("Rivativ", "we", "us", "our"), including model portfolios, market updates and other information (collectively, "the Services").
By creating an account, subscribing to any plan, or using the Services in any capacity, you agree to be bound by these Terms. If you do not agree, you must not use the Services.
These Terms should be read alongside our Privacy Policy and, where applicable, any separate agreement entered into as part of a B2B onboarding process.
2. Eligibility
To use the Services, you must:
- Be at least 18 years of age
- Be resident in a jurisdiction where access to our Services is lawful
- Have the legal capacity to enter into a binding agreement
- Not be subject to any sanctions or regulatory restrictions that would prohibit use of financial services
By using the Services, you represent and warrant that you meet these requirements. Rivativ reserves the right to suspend or terminate access if eligibility conditions are not met or are misrepresented.
3. The Services
3.1 Rivativ for Individuals
A subscription-based service providing access to model options portfolios, weekly strategy allocations, and an AI market explainer. Subscribers receive research and strategy content for informational purposes. Execution of any strategy takes place independently on third-party broker platforms chosen by the subscriber.
3.2 Rivativ for Business
A licensing and white-label service for regulated asset managers and independent financial advisers. Access is subject to a separate commercial agreement. These Terms apply in addition to, and do not supersede, that agreement.
4. Not Financial Advice
Rivativ is not a licensed investment adviser. The content, model portfolios, strategy allocations, and AI outputs provided through the Services are for informational and educational purposes only. Nothing on rivativ.ai or delivered through our Services constitutes:
- A personal recommendation to buy, sell, or hold any financial instrument
- Investment advice within the meaning of MiFID II or applicable national law
- An offer or solicitation to enter into any investment transaction
Options and derivatives are complex instruments. Trading them carries a high degree of risk, including the potential loss of your entire investment. Past performance of any strategy or model portfolio does not guarantee future results.
You are solely responsible for all investment decisions you make. Rivativ strongly recommends that you seek independent financial advice before acting on any information obtained through the Services.
5. Subscriptions and Billing
5.1 Plans and Pricing
Current pricing for each plan is set out on our pricing page. Prices are stated in euros and exclude VAT where applicable.
5.2 Billing
Subscriptions are billed monthly or annually in advance, depending on the plan selected at checkout. By subscribing, you authorise Rivativ to charge your nominated payment method on a recurring basis.
5.3 Free Trials
Where a free trial is offered, access to paid features will begin automatically at the end of the trial period unless you cancel before the trial expires. You will be notified of the trial end date at signup.
5.4 Price Changes
We may change subscription prices with at least 30 days' written notice. Continued use of the Services after the effective date constitutes acceptance of the new pricing.
5.5 Taxes
You are responsible for any applicable taxes, levies, or duties imposed by your jurisdiction in connection with your use of the Services.
6. Cancellation and Refunds
6.1 Cancellation by You
You may cancel your subscription at any time via your account settings or by contacting us at jan@rivativ.ai. Cancellation takes effect at the end of the current billing period. You will retain access to the Services until that date.
6.2 Refunds
Subscription fees are non-refundable except where required by applicable consumer protection law. If you believe you are entitled to a refund under applicable law, please contact us within 14 days of the charge.
6.3 Cancellation by Rivativ
We reserve the right to suspend or terminate your subscription if you breach these Terms, fail to pay, or if we reasonably suspect fraudulent activity. Where we terminate without cause, we will provide a pro-rata refund for any unused portion of a prepaid period.
7. Acceptable Use
You agree not to:
- Use the Services for any unlawful purpose or in violation of applicable financial regulation
- Reproduce, resell, or redistribute model portfolios or strategy content without prior written consent
- Attempt to reverse-engineer, scrape, or extract proprietary data or algorithms from the Services
- Share account credentials or allow third parties to access your account
- Use the Services to manipulate markets or engage in any form of market abuse
- Upload or transmit malicious code, viruses, or any material intended to disrupt the Services
- Impersonate Rivativ or any of its employees, partners, or affiliates
Rivativ reserves the right to investigate suspected violations and to suspend or terminate access without notice where a serious breach is identified.
8. Intellectual Property
All content, software, model portfolios, strategy methodologies, AI models, trademarks, and branding associated with Rivativ and the Services are the exclusive property of Rivativ GmbH or its licensors and are protected by applicable intellectual property law.
Your subscription grants you a limited, non-exclusive, non-transferable licence to access and use the Services for your own personal or internal business purposes. No other rights are granted.
You may not copy, distribute, publish, or create derivative works from any part of the Services without our express written consent.
9. Third-Party Platforms and Services
The Services may contain links to, or integrations with, third-party broker platforms, data providers, or financial infrastructure partners. Rivativ is not responsible for the availability, accuracy, or conduct of any third-party service.
Your use of third-party platforms is governed by their own terms and you should review these independently before connecting your account or executing trades.
10. Limitation of Liability
To the fullest extent permitted by applicable law:
- Rivativ shall not be liable for any investment losses, trading losses, or financial harm arising from your use of or reliance on the Services
- Our total aggregate liability to you for any claim arising under these Terms shall not exceed the total fees paid by you to Rivativ in the three months preceding the claim
- Rivativ shall not be liable for indirect, incidental, special, consequential, or punitive damages of any kind
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.
11. Indemnification
You agree to indemnify, defend, and hold harmless Rivativ GmbH and its founders, employees, and partners from any claims, losses, damages, or expenses (including reasonable legal fees) arising from your use of the Services, your breach of these Terms, or your violation of any applicable law or third-party right.
12. Disclaimers
The Services are provided on an "as is" and "as available" basis. Rivativ makes no warranty, express or implied, that:
- The Services will be uninterrupted, error-free, or secure
- Model portfolios or strategy outputs will achieve any particular return or outcome
- Information provided is complete, accurate, or up to date at the time of access
We reserve the right to modify, suspend, or discontinue any part of the Services at any time with reasonable notice.
13. Governing Law and Disputes
These Terms are governed by the laws of the Federal Republic of Germany. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Germany, without prejudice to any mandatory consumer protection rights you may hold under the law of your country of residence.
If you have a complaint, please contact us first at jan@rivativ.ai. We will make every reasonable effort to resolve disputes informally before any formal proceedings are initiated.
14. Changes to These Terms
We may update these Terms from time to time to reflect changes in our Services, pricing, or applicable law. Where changes are material, we will notify registered users by email at least 14 days before the changes take effect. Continued use of the Services after the effective date constitutes acceptance of the revised Terms.
The current version of these Terms is always available at rivativ.ai/terms.
15. Severability and Entire Agreement
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force. These Terms, together with the Privacy Policy and any applicable commercial agreement, constitute the entire agreement between you and Rivativ in respect of the Services.
16. Contact
For questions about these Terms:
Rivativ GmbH
info@rivativ.ai