Terms of Service

Last updated 2026-11-13

These terms are an agreement between you and possible OÜ, Sepapaja tn 6, Lasnamäe linnaosa, 15551 Tallinn, Harju maakond, Estonia, for use of Rikko. By creating an account, you agree to the version shown above.

What Rikko is

Rikko helps people record informal IOUs, communicate, and share payment instructions. Rikko is not a bank, payment processor, lender, credit-reference agency, law firm, or debt-collection service. Rikko never holds or transfers funds, does not verify that a debt is legally enforceable, and does not guarantee payment.

Your account and records

You must be at least 13, and must meet any higher minimum age or parental-authorization rule that applies where you live, to create an account.

Provide accurate account information, protect your device and credentials, and promptly revoke unfamiliar sessions.
Record only genuine IOUs you are entitled to record, and correct or remove inaccurate information.
Use payout links at your own risk and check the recipient and amount in the external payment app before transferring money.
Do not use Rikko for commercial collections, regulated lending, unlawful surveillance, fraud, or any illegal purpose.

Safety and acceptable use

Rikko has no tolerance for objectionable content or abusive users. No threats, coercion, harassment, hate, sexual exploitation, impersonation, doxxing, spam, malicious links, or unlawful content. Do not upload a person's image without the rights and permission needed for that use. We remove content that breaks these rules and suspend or close the accounts responsible. In-app reporting and blocking are available for account-based user-to-user surfaces; every public funny page also has a first-party report control.

Content moderation and appeals

Names, IOU text and messages pass automated filters when they are entered, and a face photo passes an automated visual-safety check before a video is made from it. Anyone can report content: with the Report control in the app, with the report control on a public page, or by email to support@rikko.app. A person reviews every report. We review reports of objectionable content within 24 hours and, when a report is confirmed, remove the content and restrict or close the account that posted it. Depending on the case we may limit how content is shown, remove it, pause features, suspend an account for a set period or close it, and preserve evidence where the law requires it.

When we restrict an account we tell its holder and give a case reference, unless the law prevents this. You can challenge a removal or restriction free of charge by email to support@rikko.app with the case reference and the reason you think the decision should change. A person reviews the appeal and we ordinarily answer within five business days. Blocking another account is your own choice and needs no decision from us.

The same mailbox is our single point of contact for users and for authorities of the European Union and its Member States. You can write to us in English or Estonian.

Your content

You retain ownership of content you create. You grant Rikko a limited, worldwide licence to host, transform, transmit, and display that content only as needed to provide, secure, and moderate the service. You confirm that you have the necessary rights to the content and that its use complies with these terms. GIFs and third-party payment services remain subject to their owners' terms.

Disputes and external payments

Payment and debt disputes are between the people involved. “I've sent it” is a claim, not bank confirmation. Verify payment independently before marking an IOU paid. External providers control their own availability, fees, reversals, and privacy practices.

Availability and changes

We work to keep Rikko reliable and secure, but the service is provided without a promise of uninterrupted availability. Features may change for safety, legal, or operational reasons. Mandatory consumer rights are not excluded.

Suspension, termination, and deletion

You can delete your account from Settings. We may suspend or terminate access for serious or repeated violations, security threats, or legal requirements. Provisions that by their nature should survive, such as content responsibility, dispute terms, and mandatory legal obligations, continue after termination.

Governing law

These terms are governed by the laws of Republic of Estonia, without taking away mandatory consumer protections that apply where you live. Any mandatory right to bring a claim in your local courts remains unaffected.

Contact

Questions, safety reports, or legal notices: support@rikko.app.