1. Acceptance of These Terms

These Terms and Conditions (“Terms”) govern access to and use of https://rivierafinancial.com (the “Website”), operated by Riviera Financial Partners, Inc. (“Riviera Financial Partners,” “Riviera,” “we,” “our,” or “us”).

By accessing or using the Website, you agree to these Terms to the extent permitted by applicable law. If you do not agree, you should discontinue use of the Website.

These Terms apply to Website use. Separate agreements, disclosures, authorizations, and contractual documents may govern specific financial services, loan applications, lending transactions, or other relationships.

If a separate signed agreement conflicts with these Terms regarding the specific subject matter of that agreement, the signed agreement will control to the extent provided in that agreement and permitted by law.

2. Purpose of the Website

The Website provides general information about Riviera, its business, its professionals, real estate financing, lending programs, and related services.

Website content may include educational materials, financing program descriptions, general rate information, contact forms, professional biographies, market commentary, and other resources.

The Website is intended to facilitate general information and communication. It is not, by itself, a loan application, commitment to lend, credit approval, financing agreement, or offer to enter into a particular transaction.

3. No Guarantee of Financing or Loan Approval

Information about financing programs, rates, terms, loan amounts, down payments, eligibility, and other lending features is provided for general informational purposes unless expressly stated otherwise in a binding written agreement.

Actual financing availability and terms may depend on numerous factors, including:

• Borrower qualifications and financial circumstances.
• Property type, location, value, and intended use.
• Loan amount and loan-to-value ratio.
• Credit history and other underwriting criteria.
• Income, assets, reserves, and documentation.
• Lender requirements and investor guidelines.
• Market conditions and interest rates.
• Applicable law and regulatory requirements.
• Product availability and the date of application.

Any rate or program example may be subject to eligibility requirements, points, fees, discount structures, loan limits, lock periods, underwriting, and other conditions.

A rate displayed on the Website should not be interpreted as a guaranteed rate, a rate lock, or a binding offer unless supported by the appropriate written documentation.

Submitting a form, speaking with a representative, or receiving preliminary feedback does not guarantee approval or funding.

4. No Financial, Legal, Tax, or Investment Advice

Website content is general information and is not intended to replace individualized financial, legal, tax, accounting, investment, or other professional advice.

Real estate financing decisions may have significant legal, financial, tax, and investment consequences.

You should consult appropriately qualified professionals regarding your individual circumstances before entering into a financial transaction or relying on information provided through the Website.

Nothing on the Website should be interpreted as a recommendation that a particular loan, investment, property, or financial strategy is suitable for every individual.

5. Accuracy and Availability of Information

We seek to provide useful and accurate Website information. However, information may change, become outdated, contain errors, or be incomplete.

We do not warrant that every page, rate, program description, market statement, professional biography, or other item of content will always be current, complete, or error-free.

We reserve the right to modify, correct, remove, or discontinue Website content or features, subject to applicable law and any binding obligations.

Where a particular disclosure, rate quote, or contractual document governs a transaction, that document should be reviewed for its applicable terms and conditions.

6. Website Use and Permitted Conduct

You agree to use the Website lawfully and responsibly.

You may not:

• Use the Website in violation of applicable law or regulation.
• Attempt to gain unauthorized access to Website systems, accounts, or infrastructure.
• Interfere with Website operation, security, or availability.
• Introduce malware, malicious code, or other harmful material.
• Submit false, misleading, or fraudulent information.
• Use automated methods to access or extract Website content in a manner that violates applicable law or our rights.
• Scrape, copy, or republish protected content for unauthorized commercial purposes.
• Impersonate another person or misrepresent your affiliation with an organization.
• Use the Website to transmit unlawful, threatening, defamatory, or infringing material.
• Circumvent security controls or access restrictions.

Nothing in these Terms prohibits activities that cannot lawfully be restricted under applicable law.

7. Website Forms and Submissions

If you submit information through a Website form, you agree to provide information that is accurate to the best of your knowledge and to update it when reasonably necessary for the purpose of your inquiry.

You should submit only information that you are authorized to provide.

A form submission does not establish that Riviera has accepted an application, agreed to provide services, approved a loan, or committed to fund a transaction.

We may use submitted information to respond to your inquiry, evaluate the nature of your request, communicate with you, and perform other activities described in our Privacy Policy and applicable notices.

Do not use general Website forms to submit Social Security numbers, passwords, bank account credentials, tax returns, credit reports, or other sensitive documents unless the form expressly provides an approved method for that information.

8. Electronic Communications

When you contact us electronically, you agree that we may respond using the contact information you provide.

An email or other electronic communication does not necessarily constitute a binding agreement, authorization, loan commitment, rate lock, or acceptance of an offer.

The legal effect of electronic signatures, records, notices, and agreements depends on applicable law and the circumstances of the transaction.

Where a law requires a specific disclosure, consent, signature, delivery method, or record, the relevant legal requirements and transaction documents will govern.

These Terms do not independently constitute consent to receive legally required electronic records where a separate consent is required.

9. Intellectual Property

Unless otherwise indicated, the Website and its content are owned by Riviera or used with permission.

Content may include text, graphics, logos, photographs, page layouts, design elements, downloadable materials, and other intellectual property.

Subject to applicable law, these materials are protected by copyright, trademark, and other intellectual property rights.

You may access and use Website content for personal, informational, and legitimate business purposes consistent with these Terms.

You may not reproduce, distribute, modify, publicly display, create derivative works from, or commercially exploit protected Website content without authorization, except where such use is permitted by law or a separate license.

Nothing in these Terms transfers ownership of intellectual property to a Website visitor.

10. Trademarks and Third-Party Names

Riviera Financial Partners and related logos, names, and branding may be trademarks or other protected identifiers of Riviera or their respective owners.

Third-party names, logos, brands, and marks appearing on the Website remain the property of their respective owners.

Their appearance does not necessarily imply sponsorship, endorsement, partnership, or affiliation unless expressly stated.

11. Third-Party Websites and Resources

The Website may link to third-party websites, services, tools, publications, or other resources.

These links are provided for convenience or informational purposes. Riviera does not control all third-party content, availability, security, privacy practices, or terms.

Accessing a third-party website is at your own discretion and subject to that provider’s applicable terms and policies.

A link does not necessarily constitute an endorsement or guarantee of the third party’s products, services, statements, or practices.

12. Market Information and Third-Party Content

Market commentary, interest-rate discussions, economic information, property information, and other external content may be based on sources believed to be reliable.

Such information may change without notice and may contain estimates, opinions, assumptions, or projections.

Past market performance does not guarantee future results. Market information should not be relied upon as a substitute for independent verification or professional advice.

Where third-party content is reproduced or referenced, its original author or publisher may retain applicable rights.

13. Privacy and Cookies

Your use of the Website may involve the collection and processing of information as described in our Privacy Policy and Cookies Policy.

Those policies explain our practices in greater detail and should be reviewed alongside these Terms.

Your use of the Website remains subject to applicable privacy, consumer protection, and electronic communications laws.

14. Website Availability and Security

We may update, maintain, suspend, restrict, or discontinue all or part of the Website as reasonably necessary for operational, security, technical, or business reasons, subject to applicable law.

We do not guarantee uninterrupted access, error-free operation, compatibility with every device, or the absence of harmful components in every online environment.

You are responsible for maintaining appropriate security measures on your own devices and systems.

Nothing in these Terms excludes a duty or liability that cannot lawfully be excluded.

15. Disclaimers

To the maximum extent permitted by applicable law, the Website and its general informational content are provided on an “as is” and “as available” basis.

To the extent permitted by law, Riviera disclaims implied warranties that may otherwise apply to Website content and availability, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that Website content will meet every user’s requirements, that access will always be available, or that every error will be corrected.

These disclaimers apply only to the extent permitted by law and do not override express written commitments, mandatory consumer protections, or other non-waivable rights.

16. Limitation of Liability

To the maximum extent permitted by applicable law, Riviera will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from or related to use of the Website, including loss of data, interruption of access, or reliance on general Website information.

To the extent permitted by law, Riviera will not be responsible for losses resulting from unauthorized access, third-party services, temporary Website unavailability, or errors in general informational content.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law, including liability that cannot lawfully be waived or limited.

Nothing in this section alters obligations arising under a separate written agreement or applicable lending, consumer protection, privacy, or regulatory law.

17. Indemnification

To the extent permitted by applicable law, you agree to be responsible for losses, liabilities, costs, and reasonable expenses arising from your unlawful use of the Website, your material violation of these Terms, or your infringement of another party’s rights.

This section does not require you to indemnify Riviera for Riviera’s own unlawful conduct, negligence, or other liability to the extent such an obligation is prohibited by law.

18. Suspension and Termination of Access

We may restrict or suspend Website access where reasonably necessary to protect security, prevent abuse, address technical issues, enforce these Terms, or comply with applicable law.

Where appropriate, we may take steps to address conduct that threatens Website availability or other users.

Suspension of Website access does not affect any rights or obligations arising under a separate binding agreement.

19. Governing Law and Disputes

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles, except where federal law or mandatory law requires otherwise.

Subject to applicable law, disputes concerning these Terms or Website use will be brought in a court of competent jurisdiction in California.

Nothing in this section limits a consumer’s right to bring a claim in a forum where such a right is protected by applicable law.

No mandatory arbitration requirement, class-action waiver, or waiver of statutory rights is created by this section.

20. Changes to These Terms

We may revise these Terms from time to time to reflect changes in our Website, services, business practices, or legal requirements.

The revised Terms will be posted on this page with an updated “Last Updated” date.

Changes will apply as permitted by applicable law. Where required, we will provide additional notice or obtain consent.

21. Severability

If a provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be applied to the extent permitted by law or severed as necessary. The remaining provisions will continue to apply to the extent legally enforceable.

22. No Waiver

A failure or delay in enforcing a provision of these Terms does not necessarily constitute a waiver of that provision or any other right.

Any waiver will be effective only to the extent legally valid and applicable to the circumstances.

23. Entire Agreement Regarding Website Use

These Terms, together with the policies and notices expressly incorporated by reference, govern your general use of the Website.

They do not replace separate contracts, lending documents, privacy notices, authorizations, or disclosures that govern a particular transaction or relationship.

24. Contact Information

Questions about these Terms may be directed to:

Riviera Financial Partners, Inc.
315 South Beverly Drive, Suite 501
Beverly Hills, CA 90212
Website: https://rivierafinancial.com