Terms of Use

Welcome to Richie!

This Richie Services Agreement encompasses this introduction, the Terms and Conditions, Billing, Refund and Cancellation Policy, Services Terms, and other incorporated documents and terms (“Agreement”). This Agreement establishes a binding legal contract between Richie Lending Inc. (“Richie AI”) and the entity or sole proprietor for whom a Richie AI account is created (“you” and “your”). This Agreement outlines the terms and conditions governing your use of the services, data, technology, analytics, and other business services provided by Richie AI and its Affiliates.

The Agreement becomes effective on the date you first access or use the Services (“Effective Date”) and remains valid until terminated by either you or Richie AI (referred to as the “Term”). Any capitalized terms not defined within the main text are clarified in the Definitions section.

Please note, as mentioned in Section 13 of the General Terms, any disputes between you and Richie AI are subject to a class action waiver and must be resolved through individual binding arbitration. It's essential to thoroughly review the arbitration provision in this Agreement as it impacts your rights.

Terms and Conditions

This SaaS Services Agreement (“Agreement”) is established between Richie Lending Inc., located at 140 West street, 2nd floor, New York, NY 10007 (“Company”), and the above-listed Customer (“Customer”). This Agreement integrates the Order Form and the attached Terms and Conditions. Any differing terms from related purchase orders or similar forms, even if signed post this date, are null and void. In case of discrepancies, this Agreement's terms will prevail.


The Company will provide the Customer with the Services detailed in Exhibit A. The Company may refuse or cancel passwords it deems inappropriate and will offer technical support as outlined in Exhibit C.


Customers must refrain from activities that could damage the reputation or functionality of the Services. This includes reverse engineering, unauthorized modifications, or misuse. Any breaches will require the Customer to indemnify the Company. The Company may monitor Service usage and prohibit any activities it deems harmful.


All disclosed information is considered Proprietary. Both parties agree to protect this information. While Customer Data remains with the Customer, the Company retains all rights to the Services, Software, and related technology.


Customers will pay the Company as detailed in the Order Form. The Company may adjust the Fees with a thirty (30) days notice. Unsettled amounts may lead to Service termination.


This Agreement is valid for the Initial Service Term and will renew automatically unless terminated. Either party can end this Agreement with a thirty (30) days’ notice for significant breaches. Post-termination, the Company will retain Customer Data for thirty (30) days.


The Company will professionally deliver the Services. However, uninterrupted or error-free service isn't guaranteed. The Services are provided “AS IS”, and all warranties, whether explicit or implied, are disclaimed.


The Company will protect the Customer from third-party infringement claims related to the Service, given certain conditions. However, infringements due to Customer's actions are not covered.


The Company's liability is restricted as described. Indirect damages or losses from Service usage are not the Company's responsibility.


Billing Cycle: Monthly billing starts from the initial purchase date.

Payment Methods: Payments can be made via credit card, bank transfer, or other approved methods.

Late Payments: Late payments incur a 1.5% monthly fee or the maximum legal rate.


Monthly fees apply, with additional charges based on memory usage, agent/admin seats, and other features.

Monthly Subscription Fee: Customers will be charged a monthly subscription fee for access to the Services.

Memory Usage: Additional fees may apply based on the memory usage beyond the allocated limit for the subscription tier.

Agent, Admin, and Affiliate Seats: Fees will be charged based on the number of agent, admin, and affiliate seats utilized by the Customer.

Early Payment: In certain cases where brokers are flagged as risky or have previously defaulted on payments to Richie AI, early payment may be required, up to 10 business days before the standard billing date.

Other Fees: Additional fees may be charged based on features and services as described on https://richie.ai/pricing. This includes, but is not limited to, advanced features, integrations, and premium support.

Changes to Fees: Fee structures can change with a thirty (30) days notice.


All fees are non-refundable. Exceptions may be made at the Company's discretion. In case of a chargeback initiated by the customer and later won by Richie Lending Inc., Richie Lending Inc. reserves the right to hold the funds for up to 360 days from the date the chargeback is won. Refunds will be initiated solely at Richie Lending Inc.'s discretion and in accordance with these terms and conditions.


Customers can cancel subscriptions with a thirty (30) days notice. The Company can suspend or terminate services for Agreement breaches. Post-cancellation, all rights under this Agreement cease.


In case of significant operational changes in the Company, the Customer can purchase a software license under specified conditions. This Agreement adheres to New York state laws. All Agreement modifications must be in writing.


The Company will collaborate with the Customer to launch the Richie Lending SaaS Platform, including a custom white-labeled version of the website.