Effective date: October 20, 2026
The short version
This website explains what we do and gives general information about Texas mortgage notes. It is not legal or financial advice. If you are a lender, your servicing relationship with us is governed by a separate written servicing agreement, and that agreement controls if it conflicts with this page. The portals you reach through our site are run on platforms supplied by outside providers. Texas law applies, and disputes are handled in Bexar County. The rest of this page fills in the details.
Who is agreeing to what
These Terms of Service are a contract between you and Riverstone Note Servicing, LLC, a Texas limited liability company located at 1602 N Interstate 35, San Antonio, TX 78208. In these terms, Riverstone, we, our and us mean that company. You means the individual using the site or a portal. When you act for a business, trust or other organization, you confirm that you are allowed to accept these terms for it, and you covers that organization too.
The Site means riverstoneservicing.com and every page on it. The Portals means the online borrower and lender accounts we make available, which you reach from our login page. Together we call them the Services in this document.
You need to be at least 18 and able to sign a binding contract to use the Services.
What the Site is for
We service mortgage notes and other seller-financed loans secured by real property in Texas. We do not service loans secured by property in any other state, and nothing on the Site is an offer to do so. If you tell us about property elsewhere, we may keep your request on file, but that is not a promise that we will ever offer service there.
The Site is a source of information about us and about Texas lending topics. You may read it, link to it and print pages for your own use. You may not use it for anything unlawful or anything these terms forbid.
General information, not advice
Our guides, calculators, calendars, glossary entries and blog posts are written to educate. They summarize statutes and common practice as we understand them on the date they were written, and the law changes. Nothing on the Site is legal, tax, accounting or investment advice, and reading it does not make us your attorney, accountant, financial adviser or fiduciary. Calculator results are estimates based only on the numbers you enter.
Before you make, buy, sell, modify or enforce a loan, talk with a Texas attorney and, where the law requires one, a licensed residential mortgage loan originator. Check any deadline or statute you read here against the current text of the law.
Servicing is covered by a separate agreement
Using the Site does not make you a servicing client. We service a loan only after the lender and Riverstone sign a written servicing agreement and we have accepted the loan file. That agreement sets the scope of work, the fees and how either side may end the relationship. If it says something different from these terms, the servicing agreement wins.
Our current prices are on the pricing page. A price shown on the Site is not a binding quote until it appears in a signed agreement.
If you are a borrower, the lender who owns your loan chose us to collect and record your payments. Your rights and obligations come from your note, deed of trust or contract and from the law, not from these terms. We cannot change the terms of your loan; only the lender can.
Information you give us
When you fill in a form, upload a document, open a Portal account or write to us, you agree that what you send is true, complete and yours to share. Lenders who send us a loan file also confirm that they own the loan or are authorized to act for the owner, that the documents are genuine and current, and that the loan was made in compliance with the law that applied to it. If you learn that something you gave us is wrong, tell us promptly so we can correct the record.
We rely on what you provide. We are not responsible for errors, missed deadlines or losses that result from inaccurate or incomplete information supplied to us.
Portal accounts and passwords
Keep your Portal username and password private and use a password you do not use anywhere else. Only the person the account was issued to should log in. If you think someone else has used your login, or you see activity you did not authorize, contact us right away at support@riverstoneservicing.com or (210) 346-9827. You are responsible for activity under your login until you tell us it may be compromised.
How payments reach us
The Site does not take payments. Borrower payments are made through the borrower Portal or by the methods printed on your statement. We will never ask you to send money to a personal account, a gift card or a new address by email or text. If you receive a message like that using our name, do not pay it. Call us at (210) 346-9827 to check.
Things you may not do
- Break any federal or Texas law while using the Services, including consumer-protection, debt-collection, lending and privacy laws.
- Submit a forged document, impersonate another person, or send us a loan you have no right to place with a servicer.
- Log in to an account that is not yours, probe or test our systems for weaknesses, or try to get around a login or security control.
- Use automated tools to copy, scrape or bulk-download the Site, or reproduce our content for commercial use without written permission.
- Upload malware or anything designed to disrupt the Services.
- Use anything you obtain through the Services to harass, threaten or mislead a borrower or anyone else.
If you do any of these things, we may block your access, close your Portal account and report the conduct to the appropriate authorities.
Outside providers
Some of what you use through our Site is run by other companies. The borrower and lender Portals, including online payment features, operate on a loan-servicing platform licensed from an outside provider. Some of our forms and electronic-signature steps also use outside providers. When you use those tools, the provider's own terms and privacy policy apply to your use of its platform in addition to ours.
We choose these providers with care, but we do not own or control their systems. We are not responsible for an outage, error, security incident or data handling that happens on a provider's systems and is outside our control. Linking to or using a provider does not mean we endorse everything it does. We may change providers at any time; when that affects your login or how you pay, we will tell you.
The Site may also link to public resources such as government websites. We do not control those sites and are not responsible for their content.
Who owns the Site content
The Site, including its text, design, graphics, calculators, the Riverstone name and logo, is owned by Riverstone or used under license, and is protected by copyright and trademark law. We give you a personal, revocable, non-transferable permission to view and use the Site as these terms allow. Every right we do not expressly grant stays with us.
Documents and data you send us remain yours. You give us permission to store, copy and use them as needed to respond to you, service the loan and meet our legal obligations.
What we do not promise
WE PROVIDE THE SITE AND PORTALS "AS IS" AND "AS AVAILABLE." EXCEPT FOR ANY PROMISE MADE IN A SIGNED SERVICING AGREEMENT, WE MAKE NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT OR ACCURACY. WE DO NOT PROMISE THAT THE SERVICES WILL ALWAYS BE AVAILABLE, FREE OF ERRORS OR FREE OF HARMFUL CODE, OR THAT EDUCATIONAL CONTENT IS COMPLETE OR UP TO DATE.
Limits on our liability
TO THE FULLEST EXTENT TEXAS LAW ALLOWS, RIVERSTONE AND ITS OWNERS, MANAGERS, EMPLOYEES AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION, CONNECTED WITH THE SERVICES OR THESE TERMS, EVEN IF WE WERE TOLD SUCH DAMAGES WERE POSSIBLE.
OUR TOTAL LIABILITY FOR ALL CLAIMS CONNECTED WITH THE SITE, THE PORTALS OR THESE TERMS IS LIMITED TO THE GREATER OF ONE THOUSAND DOLLARS ($1,000) OR THE AMOUNT YOU PAID US DURING THE TWELVE MONTHS BEFORE THE EVENT THAT LED TO THE CLAIM. LIABILITY UNDER A SIGNED SERVICING AGREEMENT IS GOVERNED BY THAT AGREEMENT. THESE LIMITS DO NOT APPLY TO FRAUD OR TO ANY LIABILITY THE LAW DOES NOT ALLOW TO BE LIMITED.
Your responsibility for claims you cause
You agree to defend and reimburse Riverstone and its owners, managers, employees and agents for any claim, loss, penalty or expense, including reasonable attorney's fees, that comes from your breaking these terms, your breaking the law, false or incomplete information you gave us, or, if you are a lender, a claim that a loan you placed with us was made, documented or held unlawfully. We will let you know about a claim promptly, and we may take part in the defense with our own lawyer at our own cost.
Texas law and where disputes go
The laws of the State of Texas govern these terms, without applying any conflict-of-law rule that would point to another state's law. Any lawsuit about the Services or these terms must be filed in a state or federal court located in Bexar County, Texas, and you and we each agree to that court's jurisdiction.
Before either side files suit, we would rather talk it through. Send a written description of the problem and what you want done to support@riverstoneservicing.com or to our office address, and allow us 30 days to work toward a resolution with you. Either side may still go to court sooner to stop an urgent harm, such as unauthorized access to a Portal.
Ending your access
You can stop using the Services whenever you like. We may suspend or end your access to the Site or a Portal if you break these terms, if we need to protect the Services or other users, or if the account is no longer connected to a loan we service. Ending access under these terms does not end a servicing agreement; that agreement has its own termination rules. The sections on advice, information you give us, ownership, disclaimers, liability limits, indemnity and Texas law keep applying after your access ends.
Updates to these terms
We may revise these terms. When we do, we will post the new version here and change the effective date at the top. If a change is significant, we will also try to let Portal users know by email or a notice when they log in. Using the Services after the new effective date means you accept the revised terms.
Other legal points
- Events outside our control. We are not responsible for delays caused by things we cannot reasonably control, such as severe weather, power or internet failures, provider outages, government orders or civil unrest.
- Transfer. You may not transfer your rights under these terms without our written consent. We may transfer ours as part of a sale, merger or reorganization of our business.
- Whole agreement. These terms, our Privacy Policy and any signed servicing agreement are the complete agreement about the Services.
- Partial invalidity. If a court finds part of these terms unenforceable, the rest still applies.
- Waiver. If we do not enforce a provision right away, we can still enforce it later.
- Relationship. These terms do not create a partnership, joint venture, employment or agency relationship.
How to reach us
Questions about these terms, or legal notices, can go to Riverstone Note Servicing, LLC, P.O. Box 12075, San Antonio, TX 78212, by email at support@riverstoneservicing.com, or by phone at (210) 346-9827. We send notices to you at the email or mailing address you most recently gave us.
