These Terms of Service govern your access to and use of Olivar, a CRM platform built for life and health insurance agents. By creating an account or using the service, you agree to these terms. Please read them carefully.
By accessing or using Olivar (the "Service") provided by OA Technologies ("Olivar," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.
These Terms apply to all users of the Service, including individual agents and any organization whose members use the Service.
Olivar is a customer relationship management (CRM) platform designed exclusively for independent life and health insurance agents and brokers. The Service includes tools for contact management, pipeline tracking, appointment scheduling, email and text communication, referral tracking, and business analytics.
We reserve the right to modify, suspend, or discontinue any part of the Service at any time with reasonable notice to active subscribers.
You must be at least 18 years old and a licensed insurance professional or actively working in the insurance industry to use Olivar. By creating an account, you represent that this is true.
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at hello@olivarco.com if you suspect unauthorized access.
You may not share your account with other individuals. Each subscription covers one user.
You agree to provide accurate, current, and complete information when creating your account and to keep that information updated.
Founding members who join during the initial access period are locked in at the rate agreed upon at signup for as long as their account remains active and in good standing. This rate will not increase for founding members.
Subscriptions are billed monthly on the date your account was activated. Payment is processed via the payment method on file. You authorize us to charge your payment method on a recurring basis until you cancel.
You may cancel your subscription at any time through your account settings or by contacting us at hello@olivarco.com. Cancellation takes effect at the end of your current billing period. No partial-month refunds are issued.
If a payment fails, we will attempt to retry and notify you by email. Accounts with outstanding balances may be suspended until payment is resolved. A suspended account that remains unpaid for 30 days may be terminated, and data may be deleted.
All payments are non-refundable except where required by applicable law. If you believe a charge was made in error, contact us within 14 days of the charge.
You agree to use Olivar only for lawful purposes and in a manner consistent with all applicable laws and regulations, including those governing insurance sales, consumer communications, and data privacy.
You may not:
Violation of this section may result in immediate account termination without refund.
You retain full ownership of all contact data, notes, documents, and other content you upload or create within Olivar ("Your Data"). We do not claim any ownership rights over Your Data.
By using the Service, you grant Olivar a limited license to store, process, and display Your Data solely for the purpose of providing the Service to you. We do not sell, rent, or share Your Data with third parties for marketing purposes.
You may export your contact data at any time. If your account is terminated or cancelled, we will retain your data for 30 days during which you may request an export, after which it will be permanently deleted.
We implement industry-standard security practices to protect Your Data. However, no method of transmission or storage is 100% secure. You use the Service at your own risk and are responsible for maintaining appropriate backups of critical data.
Olivar includes tools for sending emails and SMS messages to your contacts. By using these features, you agree to:
You are solely responsible for the content and legality of all communications sent through the Service. Olivar is not liable for any fines, penalties, or claims arising from your use of communication features.
Olivar integrates with third-party services including Google Calendar, Resend, and Supabase. Your use of these integrations is subject to the applicable third-party terms of service and privacy policies. We are not responsible for the availability, accuracy, or conduct of any third-party service.
When you connect a third-party account (such as Google Calendar), you authorize Olivar to access and use data from that account solely to provide the integration features within the Service.
The Olivar name, logo, platform design, software, and all related content are the exclusive property of OA Technologies and are protected by applicable intellectual property laws. These Terms do not grant you any right to use our trademarks, trade names, or branding.
We grant you a limited, non-exclusive, non-transferable license to access and use the Service for your internal business purposes during the term of your subscription.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that the Service will be uninterrupted, error-free, or free of viruses or harmful components. We do not warrant that any information obtained through the Service is accurate or reliable.
Olivar is a business management tool. It does not provide insurance, legal, financial, or compliance advice. You are solely responsible for complying with all laws and regulations applicable to your insurance business.
TO THE FULLEST EXTENT PERMITTED BY LAW, OLIVAR AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you in full.
You agree to indemnify, defend, and hold harmless Olivar and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) Your Data; (c) your violation of these Terms; or (d) your violation of any applicable law or third-party rights.
You may terminate your account at any time by cancelling your subscription and contacting us at hello@olivarco.com.
We reserve the right to suspend or terminate your account at any time, with or without notice, if we determine that you have violated these Terms, engaged in fraudulent or harmful conduct, or for any other reason at our discretion. We will provide reasonable notice where possible.
Upon termination, your right to access the Service ends immediately. Provisions that by their nature should survive termination (including ownership, disclaimers, limitations of liability, and dispute resolution) will survive.
We may update these Terms from time to time. When we do, we will notify active subscribers by email and update the "Last updated" date at the top of this page. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the updated Terms.
If a change materially reduces your rights, we will provide at least 30 days' notice before the change takes effect.
These Terms are governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms or the Service shall first be addressed through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association, conducted in English. The arbitration will take place in Indiana. You waive any right to participate in a class-action lawsuit or class-wide arbitration.
Questions about these Terms? Reach out:
OA Technologies / Olivar
hello@olivarco.com
olivarco.com