1. General provisions
1.1. These terms set out the conditions for the services provided on the website rivusinvest.lt (the “Website”). They are a legally binding agreement between the service provider and the client.
1.2. Service provider:
| Detail | Information |
| Name | MB Rivus Invest (brand name: Rivus Research House) |
| Company code | 307584094 |
| Registered address | Upės g. 88, Smiglių k., LT-14168 Vilniaus r., Lithuania |
| VAT code | Not registered for VAT |
| rokas@rivusinvest.lt | |
| Website | rivusinvest.lt |
1.3. By submitting an order, a request or a question to the AI assistant, the client confirms that they have read these terms, agree to them and are at least 18 years old.
1.4. The service provider may change these terms. An order is governed by the version of the terms in force when the order was submitted. Subscription clients are notified of significant changes by email at least 14 days in advance.
2. Services
2.1. The following services are provided on the Website:
| Service | What it is | Price | How to order |
| AI assistant | Short automated answers to general questions about markets and investing | Free, with a daily limit | A question on the Website, giving an email address |
| Tailored analysis | A one-off written research piece based on the client’s question (company, sector, market) | EUR 25, one-off payment | Filling in the form and paying in advance |
| Ongoing coverage | Regular research and updates on companies or markets chosen by the client | From EUR 290 per month | Request, individual offer, monthly payment |
2.2. The exact scope of each service is stated on the Website, in the order confirmation or in the individual offer. If these differ from these terms, the individual offer applies.
2.3. Services are provided in Lithuanian or English, as chosen by the client.
3. Important: this is not investment advice
3.1. All Rivus Research House information, analyses, reports and AI assistant answers are general research and educational information. They are not investment advice, a personal investment recommendation or an offer to buy or sell financial instruments.
3.2. The service provider is not a licensed investment firm and does not assess the client’s financial situation, investment objectives, experience or risk tolerance.
3.3. Investment decisions are made independently and at the client’s own risk. The value of investments can go down as well as up, and past performance does not guarantee future results. Before making a decision, the client may consult a licensed financial adviser.
3.4. Analyses may be based on publicly available sources. The service provider strives to ensure the information is accurate but does not guarantee that it is complete or up to date.
4. Ordering and conclusion of the contract
4.1. Tailored analysis:
- The client fills in the order form (name, email, question, context) and ticks the box confirming they agree to these terms.
- The client is redirected to Stripe’s secure payment page and pays the stated price.
- The contract is concluded when the payment is completed successfully. The client receives a confirmation by email.
4.2. Ongoing coverage:
- The client submits a request through the Website form and ticks the box confirming they agree to these terms. The request is not binding.
- The service provider sends an individual offer (scope, frequency, monthly price) and a payment link by email.
- The contract is concluded when the client pays for the first period through the payment link.
4.3. The service provider may refuse an order if the question falls outside the scope of the services, is unlawful or cannot be properly fulfilled. In that case, the full amount paid is refunded within 14 days.
4.4. The client is responsible for ensuring that the data they provide, especially their email address, is correct.
5. Prices, payment and subscription
5.1. Prices are stated in euros on the Website or in the individual offer. MB Rivus Invest is not registered for VAT, so no VAT is added; the stated price is the final price.
5.2. Payments are accepted through the payment service provider Stripe (Stripe Payments Europe, Ltd.). Payment card details are processed only in the Stripe system; the service provider does not receive or store them.
5.3. The tailored analysis is paid in advance, in a single payment.
5.4. Ongoing coverage is paid monthly. The payment is charged automatically at the start of each billing period until the subscription is cancelled.
5.5. The subscription can be cancelled at any time:
- through the Stripe customer self-service link Stripe customer self-service link; or
- by writing to rokas@rivusinvest.lt.
Cancellation takes effect at the end of the paid month. No refund is given for a month that has already started, except in the cases set out in Section 7 and by law.
5.6. The client is informed of any change to the subscription price by email at least 30 days in advance. If the client does not agree, they may cancel the subscription.
5.7. Invoices and receipts are sent by email.
6. Delivery of services and deadlines
6.1. The tailored analysis is delivered by email (as a PDF or in another agreed format) within 5 working days of payment, unless the order confirmation states otherwise.
6.2. If additional information is needed to carry out the analysis, the service provider contacts the client. The deadline is counted from the day the information is received.
6.3. Ongoing coverage materials are delivered at the frequency and in the manner set out in the offer.
6.4. If a deadline cannot be met for good reasons, the service provider informs the client as soon as possible and proposes a new deadline. If the client does not agree to the new deadline, they may cancel the order and get their money back.
6.5. The service is considered delivered when the analysis is sent to the email address provided by the client. The client may ask questions about the analysis within 14 days of receiving it.
7. Right to withdraw from the contract within 14 days
7.1. A client who is a consumer has the right to withdraw from a contract concluded at a distance within 14 days of the day the contract was concluded, without giving any reason.
7.2. To withdraw, the client notifies the service provider by email at rokas@rivusinvest.lt or uses the contract withdrawal form published on the Website. Using the form is not mandatory.
7.3. The money is refunded using the same payment method no later than 14 days after the notice is received.
7.4. If the client has expressly requested that the services begin before the 14-day period ends:
- where the service (for example, a tailored analysis) has already been fully provided, the right of withdrawal no longer applies, provided the client confirmed in advance that they were aware of losing this right;
- where the service has been partly provided, the client pays a proportionate amount for the services provided up to the withdrawal.
7.5. By submitting an order and ticking the consent box, the client requests that the services start immediately after payment and confirms that they understand the consequences set out in point
8. Terms of use for the AI assistant
8.1. AI assistant answers are generated automatically by an artificial intelligence model (provider: Anthropic). Answers may be inaccurate, incomplete or out of date. They are not reviewed by a person before being shown.
8.2. The number of free questions per day is limited. The service provider may change the limits or temporarily switch off the AI assistant.
8.3. Do not include personal data, passwords, account numbers or other confidential information in your question.
8.4. Using the AI assistant for unlawful purposes, sending questions automatically or trying to get around the limits is prohibited.
8.5. Questions without personal data may be used for research and to improve the AI assistant. Anonymised general questions and answers may be published on the Website as examples, without naming the author of the question.
9. Intellectual property and confidentiality
9.1. The Website’s content, analyses and reports are the intellectual property of the service provider.
9.2. The client receives the right to use the analyses provided to them for their personal or internal needs. Reselling, publishing or distributing them to third parties without written consent is prohibited.
9.3. Short quotations are permitted, with the source “Rivus Research House” stated.
9.4. The content of the client’s order and the information provided are treated as confidential. Tailored analysis questions are not published without the client’s consent.
10. Liability
10.1. The service provider is not liable for the client’s investment decisions or their consequences, including losses or lost income.
10.2. The service provider’s liability under a specific order is limited to the amount the client paid for that service (for a subscription, the fees for the last 3 months).
10.3. These limitations do not apply to damage caused intentionally or through gross negligence, or in other cases where the law does not allow liability to be limited. Consumers’ statutory rights are not reduced.
10.4. The service provider is not liable for disruptions at third parties (Stripe, hosting, email or AI service providers) that it could not control.
11. Personal data, complaints and final provisions
11.1. Personal data is processed in accordance with the Privacy Policy
11.2. The client may submit claims and complaints by email to rokas@rivusinvest.lt. We reply within 14 days.
11.3. If a dispute is not resolved, the consumer may contact the State Consumer Rights Protection Authority (Vilniaus g. 25, Vilnius, www.vvtat.lt) or go to court.
11.4. These terms are governed by the law of the Republic of Lithuania. For consumers, this does not remove the protection given by the mandatory rules of the law of their country of residence.
11.5. If any provision of these terms is found to be invalid, the other provisions remain in force.
11.6. These terms are effective from 2026-10-15. The English translation is provided for convenience; in case of any discrepancy, the Lithuanian text prevails.