Terms of Use

1. About these terms

These Terms of Use are an agreement between you and River Gem Bank covering your use of this website, the online account application, online banking and the secure message center. By using the service, you agree to these terms. If you do not agree, do not use the service.

Additional terms apply to specific products and services. Those terms are provided at account opening, in the account agreement and in the electronic banking agreement. If they conflict with these terms, the product-specific terms control for that product.

2. About River Gem Bank

River Gem Bank is a California state-chartered bank, regulated by the California Department of Financial Protection and Innovation. Our main office is in Newport Beach, California. License [LICENSE_ID]. FDIC certificate [FDIC_CERTIFICATE]. NMLS ID [NMLS_ID]. Registered address: [REGISTERED_ADDRESS].

Written complaints may be sent to P.O. Box 1180, Newport Beach, CA 92659 or support@rivergem.bank. You may also contact the California Department of Financial Protection and Innovation at dfpi.ca.gov.

3. Using this website

You may use this website for lawful, personal or business purposes related to River Gem products. You are responsible for the accuracy of the information you submit and for keeping your credentials confidential. You must be at least 18 to open an account.

Website content is general information. It is not an offer to sell a product, a commitment to lend, a guarantee of a rate or a substitute for the account agreement. Product availability and eligibility depend on the applicable terms and approvals.

4. Accounts and applications

Submitting an application does not open an account. An account is opened only after River Gem reviews the application, verifies identity and any other required information, and confirms the account in writing. We may decline an application or close an account as permitted by law, and we will provide the reason where required.

You agree to provide accurate information and to update it when it changes. You authorize us to verify the information through identity, fraud-prevention and credit-reporting services as permitted by law. Do not fund an account until a banker has confirmed the account and the funding instructions in writing.

5. Deposits and insurance

Deposits are insured by the Federal Deposit Insurance Corporation up to $250,000 per depositor, per insured bank, for each account ownership category. The standard maximum deposit insurance amount is subject to federal law and may change. Deposit insurance does not cover investment products, and non-deposit products are not insured by the FDIC.

Interest accrues as described in the account agreement. Rates are variable unless the product terms state that a rate is fixed. Fees may reduce earnings. The bank may place a hold on a deposit as permitted by law and will provide notice where required.

6. Rates, fees and product terms

Published rates are current as of the effective date shown on the rate sheet and are subject to change without notice. APY means Annual Percentage Yield and APR means Annual Percentage Rate. The rate you receive depends on the product, term, balance tier and credit approval. A rate shown on this website is not a commitment to lend or to pay that rate for a future period.

The published rate sheet currently includes 12 products across personal and business deposits and lending. The complete fee schedule and rate table are available on the Rates page.

7. Electronic banking

Online banking is available to account holders who accept the electronic banking agreement. You are responsible for keeping your password, device and one-time codes secure. Notify us immediately if you believe your credentials have been compromised or a transaction is unauthorized.

Payment requests are subject to cut-off times, available funds, fraud review and the terms of the applicable payment network. A request submitted after the cut-off may be processed the next business day. We may delay or refuse a transaction where we reasonably believe it is fraudulent or unlawful.

8. Acceptable use

You agree not to:

• Use the service for an unlawful purpose or to facilitate financial crime.
• Attempt to access another person's account or information.
• Probe, scan or test the security of the service without written permission.
• Introduce malware, interfere with the service or attempt to bypass access controls.
• Submit content that is abusive, misleading, infringing or unlawfully obtained.
• Use automated means to scrape or copy the service without permission.

9. Intellectual property

The River Gem name, logo, website design, text, graphics and software are owned by or licensed to River Gem Bank and are protected by intellectual-property law. You receive a limited, revocable, non-transferable license to use the service for its intended purpose. You may not copy, modify, distribute or create derivative works without written permission, except as allowed by law.

10. Third-party services

Some parts of the service rely on third parties, including identity verification, authentication, hosting, object storage, email delivery, card processing and investment custody partners. Their terms may apply to their part of the service. We are responsible for selecting and overseeing them, but we do not control their separate websites or terms.

11. Disclaimers

The website and its content are provided on an “as is” and “as available” basis. To the extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the service will be uninterrupted, error-free or free of harmful components.

Nothing on this website is investment, tax or legal advice. Investment products are not FDIC insured, are not bank guaranteed and may lose value. Consult a licensed professional before making a decision that depends on your tax or legal circumstances.

12. Limitation of liability

To the extent permitted by law, River Gem Bank is not liable for indirect, incidental, special, consequential or punitive damages arising from your use of the website. Nothing in these terms limits liability that cannot be limited by law, including liability for fraud, gross negligence or a violation of consumer- protection law. The terms of your account agreement govern liability for account transactions.

13. Governing law and disputes

These terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Subject to applicable law and any arbitration or dispute-resolution provision in your account agreement, the state and federal courts located in Orange County, California have exclusive jurisdiction over disputes arising from these terms.

Before filing a claim, please contact us at support@rivergem.bank so we can try to resolve the issue. You may also contact the California Department of Financial Protection and Innovation.

14. Changes and contact

We may update these terms. The revised version will be posted with a new effective date, and where required we will provide additional notice. Continued use of the service after the effective date means you accept the revised terms.

Questions: support@rivergem.bank · (949) 555-0142 · P.O. Box 1180, Newport Beach, CA 92659. See also the Privacy Policy.