Licenses & Regulatory Disclosures

Alaska Disclosure

For Alaska Residents Only:

If your issue is unresolved by River Financial Inc. (888) 801-2586 , please submit formal complaints with the State of Alaska, Division of Banking & Securities.

Please download the form here: DBS General Complaint Form

Submit formal complaint form with supporting documents:

Division of Banking & Securities
PO Box 110807
Juneau, AK 99811-0807

If you are an Alaska resident with questions regarding formal complaints, please email us at dbs.licensing@alaska.gov or call 907-465-2521.

Colorado Disclosure

Colorado Customer Notice Form M07:
https://banking.colorado.gov/sites/banking/files/documents/MT_Customer_Notice_MO7_English_Spanish_03.2026_AccO.pdf

Connecticut Disclosure

Please note the following disclosures associated with virtual currency:

WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE.

Virtual currency is not backed or insured by the government and accounts and value balances are not subject to Federal Deposit Insurance Corporation, National Credit Union Administration or Securities Investor Protection Corporation protections.

Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which may not be the date or time when you initiate the virtual currency transaction.

The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the permanent and total loss of the value of a particular virtual currency, if the market for that virtual currency disappears.

The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in a significant loss over a short period of time.

Any bond maintained by the licensee for the benefit of the customers of such licensee may not be sufficient to cover all losses incurred by such customers.

The nature of virtual currency may lead to an increased risk of fraud or cyber attack, including, but not limited to, (A) double spending, (B) person-in-the-middle attacks, and (C) other schemes, including, but not limited to, those involving impersonation of a business or government agency, extortion or investment scams.

If you have a complaint or questions, please contact River Financial Inc. at support@river.com or (888) 801-2586. If you still have an unresolved complaint regarding River Financial Inc., you may contact the Connecticut Department of Banking at https://portal.ct.gov/dob/consumer/consumer-complaints/money-transmitter .

Florida Disclosure

NOTICE: By the Florida Office of Financial Regulation

BY GRANTING RIVER FINANCIAL A LICENSE, THE FLORIDA OFFICE OF FINANCIAL REGULATION IS NOT ENDORSING THE USE OF DIGITAL OR VIRTUAL CURRENCIES.

• U.S. currency is legal tender backed by the U.S. government.
• Digital and virtual currencies are not issued or backed by the U.S. government, or related in any way to U.S. currency, and have fewer regulatory protections.
• The value of digital and virtual currencies is derived from supply and demand in the global marketplace which can rise or fall independently of any fiat (government) currency.
• Holding digital and virtual currencies carries exchange rate and other types of risk.

POTENTIAL USERS OF DIGITAL OR VIRTUAL CURRENCIES, INCLUDING BUT NOT LIMITED TO BITCOIN, SHOULD BE FOREWARNED OF A POSSIBLE FINANCIAL LOSS AT THE TIME THAT SUCH CURRENCIES ARE EXCHANGED FOR FIAT CURRENCY DUE TO AN UNFAVORABLE EXCHANGE RATE. A FAVORABLE EXCHANGE RATE AT THE TIME OF EXCHANGE CAN RESULT IN A TAX LIABILITY. PLEASE CONSULT YOUR TAX ADVISOR REGARDING ANY TAX CONSEQUENCES ASSOCIATED WITH YOUR HOLDING OR USE OF DIGITAL OR VIRTUAL CURRENCIES.

If you have a question or complaint, please contact the River Financial Inc. client services team at https://river.com/support or (888) 801-2586.

Florida residents may contact the Florida Office of Financial Regulation with any unresolved questions or complaints about River Financial Inc. at 200 E. Gaines Street, Tallahassee, FL 32399-0376, telephone number: (800) 848-3792 (toll free).

Hawaii Disclosure

Hawaii customers who choose to open accounts with River Financial Inc. are advised that the virtual currency or digital currency purchased, whether as an investment, for making payments, or other purposes, may lose value, including the loss of some or all of your original purchase amount.

Illinois Disclosure

Illinois Residents may contact the Illinois Department of Financial & Professional Regulation with any unresolved questions or complaints about River Financial Inc. at (888) 473-4858.

Indiana Disclosure

River Financial Inc. holds a Money Transmitter license issued by the Indiana Department of Financial Institutions. This license does not cover virtual currency transactions.

Maryland Disclosure

If you have a complaint, please contact River Financial Inc. at support@river.com or (888) 801-2586. If you still have an unresolved complaint, you may file it by contacting the Maryland Department of Labor, Office of Financial Regulation.

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding River Financial Inc. (NMLS ID: 1906809) by contacting the Commissioner's office at:
500 North Calvert Street, Suite 402
Baltimore, MD 21202
(888) 784-0136

Minnesota Disclosure

If you have a complaint, or wish to report fraud or suspected fraud, please first contact support@river.com.

If you have an unresolved complaint regarding River Financial Inc., please contact the Minnesota Department of Commerce:
Minnesota Department of Commerce
85 7th Place East, Suite 280
Saint Paul, MN 55101
651-539-1600
mn.gov/commerce

Please note that Bitcoin is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Mississippi Disclosure

FRAUD WARNING: Fraudulent transactions may result in the loss of your money with no recourse. Bitcoin transactions are irreversible. Do not send money to unknown individuals or in response to unsolicited requests. If you suspect fraud, contact River Financial Inc. immediately at (888) 801-2586 .

If you have a complaint, or wish to report fraud or suspected fraud, please first contact support@river.com.

If you have a complaint or unresolved issue, please contact:
Mississippi Department of Banking and Consumer Finance
Post Office Box 12129
Jackson, MS 39236
(601) 321-6901

Pennsylvania Disclosure

For questions or complaints about River Financial Inc., contact:
Pennsylvania Department of Banking and Securities
17 North Second Street, Suite 1300
Harrisburg, PA 17101
800-722-2657
https://www.pa.gov/en/agencies/dobs.html

South Carolina Disclosure

If you have a complaint, first contact River Financial Inc. customer support at support@river.com or (888) 801-2586 (toll-free).

If you still have an unresolved complaint regarding the company's money transmission activity, please direct your complaint to:
South Carolina Money Services Division
1000 Assembly Street
Columbia, SC 29201
1-803-734-1221 (toll free)
https://tinyurl.com/SCMSB

South Dakota Disclosure

If you have a complaint, first contact River Financial Inc. customer support at support@river.com or (888) 801-2586 (toll-free).

If you still have an unresolved complaint regarding the company's money transmission activity, please direct your complaint to:
South Dakota Division of Banking
1714 Lincoln Ave., Suite 2
Pierre, SD 57501
1-605-773-3421 (toll free)
banking@state.sd.us
https://dlr.sd.gov/banking/contact_information.aspx#contactus

Tennessee Disclosure

Please note: River’s license and the required surety bond do not cover the transmission of virtual currency. River Financial Inc. is licensed by the Tennessee Department of Financial Institutions as a money transmitter. The Tennessee Department of Financial Institutions does not regulate virtual currency.

Texas Disclosure

If you have a complaint, first contact River Financial Inc. customer support at support@river.com or (888) 801-2586 (toll-free).

If you still have an unresolved complaint regarding the company's money transmission activity, please direct your complaint to:
Texas Department of Banking
2601 North Lamar Boulevard
Austin, Texas 78705
1-877-276-5554 (toll free)
www.dob.texas.gov

Virginia Disclosure

River Financial Inc. is licensed by the Virginia State Corporation Commission as a money transmitter, but such license does not cover the transmission of Bitcoin.

Washington Disclosure

• Fraudulent transactions may result in the loss of your money with no recourse.
• Fees are shown separately from bitcoin price. View our full fee schedule.
• Your bitcoin is not FDIC or SIPC insured.
• Bitcoin transactions are irrevocable and irreversible.
• River Financial is not responsible for any unauthorized, mistaken, or accidental transfers. Should you discover an improper transaction, River may take reasonable steps to reverse the transaction, subject to the Terms of Service, but River is not obligated to take any action, and such actions may be unavailable. All transactions and all platform activity are subject to the Terms of Service.
• As with all electronic transactions, there may be a risk of fraud, cyber attack, or theft. Please do not transmit personal information or money to unknown persons.

If you have a complaint, first contact the Client Services team at https://river.com/support or 1 (888) 801-2586, and if you still have an unresolved complaint regarding the company's money transmission activity, please contact the Washington State Department of Financial Institutions, Division of Consumer Services using one of the following methods:

File a complaint online, mail or fax: https://dfi.wa.gov/consumers/file-complaint
Call us: 1-877-RING DFI (1-877-746-4334)
Email us: CSEnforceComplaints@dfi.wa.gov