Terms of Service

By accessing, registering for, or using the Olivia platform (the "Service") operated by Olivia Teams ("we", "us", or "our"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated herein by reference. If you are using the Service on behalf of an organisation, you represent and warrant that you have the authority to bind that organisation to these Terms. If you do not agree to these Terms, you must not access or use the Service.

In these Terms, the following terms shall have the meanings set out below:

• "Olivia Teams" means the company operating the Olivia platform and providing the Service.
• "Service" means the Olivia platform, including all AI-powered features, tools, applications, and associated services provided by Olivia Teams.
• "User" or "You" means any individual or entity that accesses or uses the Service.
• "Content" means any data, text, files, documents, images, or other materials uploaded, submitted, or entered into the Service by a User.
• "AI Output" means any content, text, proposals, analyses, recommendations, or other materials generated by the artificial intelligence features of the Service.
• "Professional Data" means insurance-related client records, policy details, risk analyses, proposals, and other professional information processed through the Service.
• "Subscription" means a paid plan granting access to premium features of the Service.
• "Confidential Information" means any non-public information disclosed by either party that is designated as confidential or that reasonably should be understood to be confidential.

Olivia is an AI-assisted productivity platform designed for insurance professionals. The Service provides tools for prospect discovery, proposal generation, client management, daily sales intelligence briefings, and workflow automation.

IMPORTANT DISCLAIMER: The Service provides AI-assisted tools for informational and productivity purposes only. The Service does not constitute, and shall not be construed as, professional insurance advice, financial advice, legal advice, or any form of regulated advisory service. All AI-generated outputs, including but not limited to proposals, risk analyses, client summaries, and recommendations, must be independently reviewed and verified by a qualified professional before use. You remain solely responsible for all professional decisions and regulatory compliance.

The Service is intended for professional use. By using the Service, you represent and warrant that: (a) you are at least 18 years of age; (b) you are a licensed insurance professional, authorised representative, or an individual operating in a capacity related to the insurance industry; (c) you have the legal capacity and authority to enter into these Terms; and (d) your use of the Service complies with all applicable laws and regulations, including those of the Insurance Authority of Hong Kong.

To access certain features of the Service, you must register for an account and provide accurate, current, and complete information. You agree to update your account information promptly to keep it accurate and complete at all times.

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account, whether authorised by you or not. You agree to notify us immediately at legal@olivia-agent.com if you become aware of any unauthorised access to or use of your account.

We reserve the right to suspend or disable your account at any time if we reasonably believe that your account has been compromised, is being used in violation of these Terms, or poses a security risk to the Service or other users.

Certain features of the Service require a paid Subscription. By subscribing, you agree to the following:

• Subscription fees are billed in advance on a monthly or annual basis according to your selected plan.
• All fees are quoted and payable in the currency specified at the time of purchase and are non-refundable except as expressly stated herein or required by applicable law.
• Subscriptions automatically renew at the end of each billing cycle unless you cancel at least 24 hours before the renewal date through your account settings.
• We reserve the right to modify Subscription fees upon 30 days' prior written notice. Continued use after a price change constitutes acceptance of the new pricing.
• If payment fails, we may suspend access to premium features after a 7-day grace period. Your data will be retained for 30 days following suspension.
• Free-tier accounts are subject to usage limits as specified on our pricing page. We reserve the right to modify free-tier features and limits at any time.
• Team and enterprise plans are subject to additional terms as specified in the applicable order form or team agreement.

You agree to use the Service only for lawful business purposes and in compliance with all applicable laws and regulations. You shall not:

• Use the Service in any manner that violates applicable laws or regulations, including but not limited to insurance industry regulations, anti-money laundering laws, or data protection legislation
• Upload, transmit, or distribute any content that is unlawful, defamatory, fraudulent, or that infringes upon the intellectual property or privacy rights of any third party
• Attempt to gain unauthorised access to any part of the Service, other user accounts, or systems connected to the Service
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying algorithms of the Service
• Use AI-generated outputs to intentionally mislead, deceive, or defraud clients, prospects, or any other parties
• Use automated scripts, bots, or other means to access the Service in a manner that exceeds reasonable use or circumvents usage limits
• Share, resell, or sublicense your account credentials or access to the Service to any unauthorised third party
• Use the Service, its data, or its AI outputs to develop, train, or improve any competing product or service

The Service incorporates artificial intelligence technologies that generate content based on user inputs and available data. AI Outputs are provided on an "as-is" basis for informational and productivity assistance purposes only.

AI Outputs may contain inaccuracies, errors, or incomplete information. Olivia Teams does not warrant or guarantee the accuracy, completeness, reliability, or suitability of any AI Output for any particular purpose. You acknowledge that AI technology is inherently probabilistic and may produce varying results.

You are solely responsible for independently reviewing, verifying, and approving all AI Outputs before using them in any professional capacity, sharing them with clients, or relying on them for any business decision. This includes, without limitation, verifying the accuracy of insurance product comparisons, policy details, risk analyses, and regulatory compliance of AI-generated proposals.

Olivia Teams shall not be liable for any losses, damages, claims, or liabilities arising from your reliance on, or use of, any AI Output, including but not limited to any claims arising from inaccurate proposals shared with clients, regulatory non-compliance, or professional negligence claims.

You remain fully responsible for ensuring that your use of AI-generated materials complies with all applicable regulations, including those of the Insurance Authority of Hong Kong and the Hong Kong Federation of Insurers (HKFI). The use of AI tools does not diminish or alter your professional obligations and duties of care.

Regarding the data and content you upload, submit, or create through the Service:

• Ownership — You retain all ownership rights in the Content you submit to the Service. Olivia Teams does not claim any ownership over your Content or Professional Data.
• Processing licence — You grant Olivia Teams a limited, non-exclusive, worldwide licence to process, store, and use your Content solely for the purpose of providing, maintaining, and improving the Service, including operating AI features on your behalf.
• Aggregated data — You grant Olivia Teams the right to use anonymised and aggregated data derived from your use of the Service for analytics, benchmarking, and product improvement. Such aggregated data will not identify you or any of your clients.
• Your responsibility — You represent and warrant that you have all necessary rights, consents, and permissions to upload, submit, and process the Content through the Service, including any personal data of your clients or third parties.
• Data portability — You may request an export of your data at any time through your account settings or by contacting us. We will provide your data in a commonly used, machine-readable format within a reasonable timeframe.

Olivia Teams recognises the sensitive nature of the Professional Data you process through the Service. We shall treat all Professional Data, including client records, policy details, and business information, as Confidential Information. We will not disclose your Confidential Information to any third party except: (a) to our sub-processors and service providers who are bound by confidentiality obligations at least as protective as those in these Terms; (b) as required by applicable law, regulation, or valid legal process; or (c) with your prior written consent. This confidentiality obligation shall survive the termination of these Terms.

All intellectual property rights in and to the Service, including but not limited to the software, algorithms, AI models, user interface designs, trademarks, logos, documentation, and all related materials, are and shall remain the exclusive property of Olivia Teams or its licensors. These Terms do not grant you any ownership interest in the Service or its underlying technology.

Your access to the Service is provided under a limited, non-exclusive, non-transferable, revocable licence solely for your internal business use in accordance with these Terms. You may not copy, modify, distribute, sell, lease, sublicense, or create derivative works based on the Service or any part thereof without the prior written consent of Olivia Teams.

With respect to AI Outputs: Olivia Teams does not claim ownership over the specific AI Outputs generated from your individual inputs. You may use such AI Outputs in your business operations, subject to these Terms. However, Olivia Teams retains all rights in the underlying AI models, algorithms, training methodologies, and technologies used to generate such outputs.

Any feedback, suggestions, ideas, or enhancement requests you provide to Olivia Teams regarding the Service shall become the property of Olivia Teams. We shall be free to use, reproduce, modify, and distribute such feedback without restriction or compensation to you.

The Service may contain links to, or integrate with, third-party services, applications, or websites. Olivia Teams does not endorse, control, or assume responsibility for any third-party services. Your use of third-party services is subject to the terms and conditions and privacy policies of those third parties. Olivia Teams shall not be liable for any loss or damage arising from your use of any third-party service accessed through or in connection with the Service.

We strive to maintain high availability of the Service but do not guarantee uninterrupted or error-free operation. We reserve the right to modify, suspend, or discontinue any feature or aspect of the Service at any time, with reasonable notice where practicable. We will provide at least 30 days' notice before discontinuing any material feature that you are actively using. Olivia Teams shall not be liable for any temporary unavailability of the Service due to scheduled maintenance, system updates, or events beyond our reasonable control (force majeure), including but not limited to natural disasters, acts of government, telecommunications failures, or cyberattacks.

TO THE MAXIMUM EXTENT PERMITTED BY THE LAWS OF HONG KONG, THE SERVICE IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. OLIVIA TEAMS EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

IN NO EVENT SHALL OLIVIA TEAMS, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITIES, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY.

OLIVIA TEAMS' TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO OLIVIA TEAMS IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR HKD 1,000, WHICHEVER IS GREATER.

WITHOUT LIMITING THE FOREGOING, OLIVIA TEAMS SHALL HAVE NO LIABILITY FOR: (A) ANY DECISIONS MADE OR ACTIONS TAKEN BY YOU BASED ON AI OUTPUTS; (B) ANY INACCURACIES, ERRORS, OR OMISSIONS IN AI-GENERATED CONTENT; (C) ANY REGULATORY OR COMPLIANCE ISSUES ARISING FROM YOUR USE OF AI OUTPUTS WITH CLIENTS; OR (D) ANY THIRD-PARTY CLAIMS ARISING FROM YOUR PROFESSIONAL ACTIVITIES CONDUCTED USING THE SERVICE.

You agree to indemnify, defend, and hold harmless Olivia Teams, its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your breach of these Terms; (b) your use of AI Outputs in your professional activities, including any claims from your clients or third parties; (c) your violation of any applicable law, regulation, or third-party right; (d) any Content you upload, submit, or process through the Service; or (e) any dispute between you and your clients or other third parties arising from or related to your use of the Service.

Either party may terminate these Terms at any time. You may terminate by deleting your account through the account settings or by contacting us at legal@olivia-agent.com. We may terminate or suspend your access to the Service immediately, without prior notice, if we reasonably believe that you have materially breached these Terms, engaged in fraudulent or illegal activity, or posed a security risk to the Service.

Upon termination, your right to access and use the Service will cease immediately. We will retain your data for a period of 30 days following termination to allow you to export your Content and Professional Data. After this 30-day period, we will permanently delete your data from our active systems, except where retention is required by applicable law.

The following provisions shall survive the termination of these Terms: Definitions, AI-Generated Content Disclaimer, Your Data & Content, Confidentiality, Intellectual Property, Limitation of Liability, Indemnification, Governing Law & Dispute Resolution, and General Provisions.

These Terms shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region of the People's Republic of China, without regard to its conflict of law principles.

In the event of any dispute, controversy, or claim arising out of or relating to these Terms or the Service, the parties shall first attempt to resolve the matter through good-faith negotiation for a period of not less than 30 days. If the dispute cannot be resolved through negotiation, either party may refer the matter to mediation administered by the Hong Kong International Arbitration Centre (HKIAC) in accordance with the HKIAC Mediation Rules.

If the dispute remains unresolved following mediation, the courts of the Hong Kong Special Administrative Region shall have exclusive jurisdiction to adjudicate the matter. Each party irrevocably submits to the exclusive jurisdiction of said courts.

The following general provisions apply to these Terms:

• Severability — If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
• Entire agreement — These Terms, together with the Privacy Policy and any applicable order forms, constitute the entire agreement between you and Olivia Teams with respect to the Service and supersede all prior agreements and understandings.
• No waiver — The failure of Olivia Teams to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by Olivia Teams.
• Assignment — You may not assign or transfer these Terms or any rights hereunder without the prior written consent of Olivia Teams. Olivia Teams may assign these Terms without restriction.
• Notices — All legal notices to Olivia Teams must be sent in writing to legal@olivia-agent.com. We may provide notices to you via the email associated with your account or through the Service.
• Relationship of parties — Nothing in these Terms shall be construed to create a partnership, joint venture, employment, or agency relationship between you and Olivia Teams. Each party is an independent contractor.

If you have any questions about these Terms of Service or need to contact us for any legal matter, please reach out to:

legal@olivia-agent.com

Olivia Teams, Hong Kong