Abstract: In accordance with the present invention, there is provided a ring binder assembly that includes a cover, a ring mechanism and a means to removably secure the cover to the ring mechanism. The removable securing means includes a pair of removable rivets. The removable rivets may in a first embodiment include a pair of resilient tail members that can be pinched together in order to pass through openings in the cover and the ring mechanism. The resilient tail members tend to have a diameter larger then the openings such that when the resilient tail members pass through the openings, the resilient tail members return to their larger diameter configuration. This permits a consumer or user with the ability to disassemble the components of the ring binder assembly and interchange these components with new components similarly configured. The user may then customize and personalize the ring binder assembly to their own specifications.