Terms of Service

1. Agreement and Who We Are

These Terms of Service ("Terms") are a binding agreement between you and Rise Digital Financial Corp ("Rise Digital Financial Corp," "Zivo," "we," "us"). They govern your use of the Zivo: Cash Advance mobile application, the zivoneobank.com website, Zivo memberships and the ZivoAdvance™ earned wage access product (together, the "Service").

By creating an account, tapping a button that says you agree, or using the Service, you accept these Terms, the Privacy Policy and the Corporate Operator Disclosures, each of which is incorporated by reference. If you do not agree, do not use the Service.

Rise Digital Financial Corp is not a bank, not a lender, not a money transmitter and not a deferred presentment provider. Zivo accounts are not deposit accounts and are not FDIC- or NCUA-insured.

2. Eligibility

You may use the Service only if you are at least 18 years old, reside in the United States, have a U.S. mobile phone number, hold a U.S. bank account in your own name that receives your paycheck by direct deposit, and are able to form a binding contract. ZivoAdvance™ is available only in states where Rise Digital Financial Corp offers it; availability is confirmed during enrollment.

You may hold one Zivo account. Business, shared or third-party accounts are not permitted. We may decline, suspend or close any account at our discretion, including where identity cannot be verified or where we detect duplicate or fraudulent activity.

3. Your Account, PIN and Security

Your account is tied to your verified mobile number. You will create a PIN and may enable Face ID or Touch ID on your device. You are responsible for keeping your device, PIN and one-time codes confidential and for all activity under your account. Tell us immediately at support@zivoneobank.com if you believe your account has been accessed without permission.

You agree to provide accurate, current and complete information and to keep it updated. We may require re-verification at any time.

4. Identity Verification

Before activating a membership we verify your identity. You will be asked to capture a live selfie and a photo of a valid U.S. government-issued photo ID. We use automated document analysis and face-comparison technology to confirm that the ID is genuine, that it belongs to you and that the details match the profile you provided. Verification is required by our compliance program and by our banking and payment partners.

You consent to the collection and processing of your identity images and the facial geometry derived from your selfie for the sole purpose of verifying your identity and preventing fraud, as described in the Privacy Policy. We do not sell this information and do not use it for advertising.

5. Membership Plans and Fees

Zivo offers paid membership plans (currently Basic and Premium). Plan features, the recurring fee, the billing cycle (monthly or annual) and any one-time add-on such as Express Underwriting are displayed in the app before you confirm enrollment. Prices may change; we will notify you before a change applies to a renewal.

Your membership fee is charged only after Zivo's underwriting review is complete and your application is approved. Fees are billed to the payment method on file or debited from your linked bank account, as shown in the app. Memberships renew automatically at the end of each billing period until cancelled.

You can cancel any time from You → Manage membership. Cancellation takes effect at the end of the current billing period; you keep access until then. Fees already charged are non-refundable except where required by law or where we determine, at our discretion, that a refund is appropriate.

If a membership charge fails, we may retry it and may pause ZivoAdvance™ eligibility until the balance is settled. We do not charge late fees or penalties on membership fees.

6. ZivoAdvance™ — Earned Wage Access

ZivoAdvance™ lets eligible members access a portion of wages they have already earned before their next payday. It is earned wage access, not a loan or credit: there is no interest, no APR, no late fee and no compounding charge. Rise Digital Financial Corp advances its own funds and is repaid on your scheduled settlement date.

Eligibility, the amount available to you and timing are determined at the time of each request from verified income and cash-flow data, your pay cycle, your Zivo Pulse standing and product rules. Advances are not guaranteed. Only one advance may be open at a time.

Each advance carries one Access Fee, set from our fee schedule at the time of your request based on the advance amount, the delivery speed you choose and the number of days until your scheduled payday. Once you confirm, the fee is fixed: it does not accrue or increase if settlement is delayed, and there is no late fee. Every fee, the total amount to be settled and the settlement date are shown on the review screen before you confirm, and you must actively accept them. Nothing is charged for an advance that is not sent.

Funds are delivered to your linked paycheck account by ACH credit (or a supported faster rail where offered). Delivery times shown in the app are estimates; bank holidays, network issues or verification holds can delay delivery. If an advance cannot be delivered, it is marked as not sent and no fee applies.

7. Repayment and Bank Account Authorization

By confirming an advance you authorize Rise Digital Financial Corp to initiate an ACH debit (or, where you have elected and your employer's payroll processor supports it, a payroll-linked settlement) from your linked account for the advance amount plus the disclosed fee on the settlement date shown in the app, and to re-initiate the debit if it is returned for insufficient funds, as permitted by NACHA rules. You also authorize debits for membership fees and add-ons you have accepted.

You may settle early at any time from the app at no additional cost. You may revoke this authorization by contacting support@zivoneobank.com at least three business days before the scheduled debit; revocation may pause future advances until the balance is settled by another method.

It is your responsibility to keep enough funds in your account on the settlement date. Your bank may charge you overdraft or returned-item fees under your agreement with them; Rise Digital Financial Corp does not charge such fees.

8. Non-Recourse; No Collections; No Credit Reporting

ZivoAdvance™ is non-recourse. If a settlement does not complete, Rise Digital Financial Corp will not sue you, sell the balance, engage a debt collector, garnish wages or take any other enforcement action. Our only remedy is to pause or withhold future advances and to adjust your Zivo Pulse until the balance is settled.

Rise Digital Financial Corp does not access credit reports, does not use credit scores and does not report any activity to Equifax, Experian, TransUnion or any other consumer reporting agency.

9. Zivo Pulse

Zivo Pulse is an internal standing score that reflects factors such as on-time settlement, account tenure and the health of your linked account. It is used only to determine ZivoAdvance™ eligibility and limits inside Zivo. It is not a credit score, is not shared with lenders or credit bureaus and has no effect outside the Service.

10. Linked Accounts and Third-Party Services

To use the Service you connect your bank account through Plaid Inc. and may connect your payroll provider through Pinwheel. By linking an account you grant Plaid and/or Pinwheel the right to access and share your account and transaction information with us, subject to their terms and privacy policies. You may disconnect a linked account at any time; doing so may pause membership benefits and ZivoAdvance™ eligibility.

Payment cards are processed by PCI-compliant payment processors. We do not store full card numbers.

We are not responsible for the availability, accuracy or acts of third-party providers, banks, employers or payroll processors.

11. Electronic Communications and Consent

You agree to receive all agreements, disclosures, notices and statements electronically, in the app, by push notification, SMS or email at the contact information you provide. You may withdraw consent by closing your account. Message and data rates may apply to SMS. Reply STOP to opt out of marketing texts; transactional security codes will still be sent.

To access electronic records you need a supported iPhone, an internet connection and a current email address. You may request a paper copy of any agreement at support@zivoneobank.com.

12. Acceptable Use

You agree not to: provide false information or documents; use another person's identity, account or bank account; interfere with, reverse-engineer or scrape the Service; attempt to obtain an advance you are not entitled to; or use the Service for any unlawful purpose. We may suspend or terminate accounts that violate these Terms and may report suspected fraud to law enforcement and our partners.

13. Intellectual Property

The Service, including software, design, text, graphics, ZivoAdvance™ and Zivo Pulse, is owned by Rise Digital Financial Corp and protected by intellectual-property laws. We grant you a limited, revocable, non-transferable licence to use the app on a device you own for personal, non-commercial use. All other rights are reserved. Apple is not a party to these Terms and has no obligation to provide support for the app.

14. Closing Your Account

You may delete your account at any time from You → Delete account in the app, or by emailing support@zivoneobank.com. Deletion is permanent. Before deletion any open advance must be settled and your membership is cancelled. We retain certain records after deletion where required by law, for fraud prevention and to resolve disputes, as described in the Privacy Policy.

We may suspend or close your account if you breach these Terms, if required by law or a partner, if we cannot verify your identity, or if we discontinue the Service. Where reasonable we will give you notice.

15. Disclaimers and Limitation of Liability

The Service is provided "as is" and "as available." To the fullest extent permitted by law we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement. Insights, budgets, payday predictions and Zivo Pulse are informational estimates derived from your linked-account data and are not financial, tax or legal advice.

To the fullest extent permitted by law, Rise Digital Financial Corp and its officers, employees and partners will not be liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, data or goodwill, arising from your use of the Service. Our total liability for any claim will not exceed the greater of the fees you paid to us in the twelve months before the claim or one hundred dollars ($100). Some states do not allow these limitations, so they may not apply to you.

16. Governing Law and Disputes

These Terms are governed by the laws of the State of Florida and applicable federal law, without regard to conflict-of-law rules. Before filing a claim you agree to contact us at support@zivoneobank.com and give us thirty days to try to resolve it informally. Any dispute that is not resolved informally will be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to their jurisdiction. Nothing in this section limits rights you may have under applicable consumer-protection law or your right to file a complaint with a regulator.

17. Changes to These Terms

We may update these Terms from time to time. Material changes will be announced in the app or by email at least fifteen days before they take effect, except where a change is required by law or is needed to address fraud or security. Continued use of the Service after the effective date constitutes acceptance. The current version is always available at zivoneobank.com/terms.

18. Contact

Rise Digital Financial Corp · 323 Sunny Isles Blvd, 7th Floor, Sunny Isles Beach, FL 33160 · support@zivoneobank.com. Support hours are shown in the app. For questions about how Zivo is regulated, see the Corporate Operator Disclosures at zivoneobank.com/disclosures.