Terms of Service
Effective Date: August 7, 2026
These Terms of Service ("Terms") govern your access to and use of the websites, mobile applications, and other services offered by Olive Financial, Inc. ("Olive," "we," "our," or "us"), collectively the "Services." By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
Eligibility
You must be at least 13 years old to use the Services. If you are under the age of majority where you live, you may use the Services only with the consent of a parent or legal guardian.
The Services
Olive provides personalized content, audio, discovery, search, and related features. We may add, change, suspend, or discontinue features at any time. We do not guarantee that any particular feature or content will always be available.
Accounts and Security
You may need an account to use some features. You agree to provide accurate information, keep your account information current, and protect access to your account and devices. You are responsible for activity under your account. Contact [email protected] promptly if you believe your account has been accessed without permission.
AI-Generated Content
The Services use artificial intelligence to create and personalize content. AI-generated content may be incomplete, inaccurate, or unsuitable for your circumstances. It is provided for general informational and entertainment purposes and is not professional financial, legal, medical, or other advice. You should independently verify important information before relying on it.
Acceptable Use
You agree not to:
- Violate applicable laws or the rights of others.
- Use the Services to harass, threaten, defraud, or harm another person.
- Attempt to access another user's account or non-public parts of the Services.
- Interfere with the security, availability, or proper operation of the Services.
- Introduce malware, scrape the Services through unauthorized means, or overload our systems.
- Reverse engineer or circumvent technical protections except where applicable law expressly permits it.
- Use the Services or their outputs to develop or train a competing model or service without our written permission.
We may investigate violations and suspend or terminate access when reasonably necessary to protect users, Olive, or the Services.
User Content and Feedback
You retain ownership of content you submit to the Services. You grant Olive a worldwide, non-exclusive, royalty-free license to host, process, reproduce, and display that content only as needed to operate, secure, and improve the Services.
If you send us ideas or feedback, you permit us to use them without restriction or compensation.
SMS Messaging Terms
If you provide your mobile number and opt in to receive text messages from Olive, Olive may send you authentication codes, account and service notifications, customer-care messages, and other messages covered by the consent you provided. Marketing messages will be sent only when you separately consent to receive them. Consent to marketing messages is not a condition of purchase.
Message frequency varies. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
You may opt out at any time by replying STOP to any Olive message. After opting out, you may receive one final message confirming your request. Reply HELP for help or contact [email protected]. You may opt back in through the same flow where you originally subscribed.
Your participation in Olive's text messaging program is also governed by our Privacy Policy.
Third-Party Services and Links
The Services may rely on or link to third-party services. Olive does not control and is not responsible for third-party services, content, or practices. Your use of those services may be governed by separate terms and privacy policies.
Intellectual Property
The Services, including their software, design, branding, and Olive-provided content, are owned by Olive or its licensors and are protected by intellectual property laws. Subject to these Terms, Olive grants you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for their intended purpose.
Termination
You may stop using the Services at any time. We may suspend or terminate your access if you violate these Terms, create risk or legal exposure, or if continued operation is no longer commercially reasonable. Provisions that by their nature should survive termination will remain in effect.
Disclaimers
To the fullest extent permitted by law, the Services are provided "as is" and "as available." Olive disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Services will be uninterrupted, secure, or error-free.
Some jurisdictions do not allow certain warranty exclusions, so some of these exclusions may not apply to you.
Limitation of Liability
To the fullest extent permitted by law, Olive and its directors, officers, employees, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or goodwill, arising from or related to the Services.
To the fullest extent permitted by law, Olive's total liability for all claims arising from or related to the Services will not exceed the greater of $100 or the amount you paid Olive during the 12 months before the event giving rise to the claim.
Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you.
Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute not subject to a different legally required forum will be brought in the state or federal courts located in San Francisco County, California, and you consent to their jurisdiction.
Changes to These Terms
We may update these Terms as the Services change. We will post the updated Terms and revise the effective date. If a change is material, we will provide additional notice when reasonably required. Your continued use of the Services after updated Terms take effect means you accept them.
Contact Information
Questions about these Terms may be sent to [email protected] or mailed to:
Olive Financial, Inc.
2261 Market Street, Suite 10960
San Francisco, CA 94114
United States