Last updated June 2, 2026

Terms of Use

These Terms of Use govern access to and use of the Riki website, mobile application, content, tools, estimates, and related services. By using Riki, you agree to these terms.

Eligibility and Accounts

You must be able to form a binding contract and comply with applicable law to use Riki. If account features are made available, you are responsible for the accuracy of information you provide and for activity that occurs through your account.

Informational Tools

Riki may provide estimates, projections, eligibility indicators, educational content, and planning tools. These materials are for informational purposes only and do not constitute financial, legal, tax, real estate, or lending advice. Estimates are not loan approvals, commitments to lend, or guarantees of available pricing, terms, or qualification.

Loan Products

Any loan product described by Riki is subject to underwriting, verification, applicable disclosures, eligibility requirements, and final documentation. Product availability, rates, fees, and terms may vary by location and may change without notice.

Acceptable Use

You may not misuse Riki, interfere with its operation, attempt unauthorized access, copy or scrape content except as permitted by law, submit false or misleading information, or use Riki for unlawful, harmful, or abusive activity.

Intellectual Property

Riki, the Riki name, website content, product designs, graphics, software, and related materials are owned by Riki, BrightUp, or their licensors. No rights are granted except the limited right to use Riki as intended.

Third-Party Services

Riki may link to or integrate with third-party services, including app stores, analytics providers, financial data providers, and communication tools. Third-party services are governed by their own terms and policies.

Disclaimers

Riki is provided on an as-is and as-available basis. To the fullest extent allowed by law, Riki disclaims warranties of merchantability, fitness for a particular purpose, non-infringement, uninterrupted operation, and error-free performance.

Limitation of Liability

To the fullest extent allowed by law, Riki and its affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, lost opportunities, or business interruption arising from use of Riki.

Changes

Riki may update these Terms from time to time. Continued use after changes become effective means you accept the updated Terms.

Contact

Questions about these Terms may be sent through the contact page.