Terms & Conditions

Last Updated 20 November 2019

Welcome to TheOliviaApp.com and/or Olivia mobile app (hereinafter referred to as “Olivia”). This mobile app/website’s Terms and Conditions of use apply to all visitors/users. Please read them carefully.

By visiting/using the mobile app/website, or in any event, by registering as a visitor/user of the mobile app/website, you agree that these Terms and Conditions shall apply to any and all use of the mobile app/website by visitors/users, and you agree and consent to be bound by these Terms and Conditions regardless of the type of use of the mobile app/website. As the Individual clicking through and accepting these Terms and Conditions, you represent and warrant that you have the full and lawful authority to accept these Terms and Conditions. If you do not agree to be bound by these Terms and Conditions, PLEASE DO NOT USE THIS MOBILE APP/WEBSITE. Visitors/Users shall be bound by the terms, conditions and restrictions of these Terms and Conditions.

These Terms and Conditions, as amended from time to time, is between Olivia and visitors/users, and shall apply to all dealings between Olivia and visitors/users and all use of the mobile app/website.

Access and Use

The information contained in the mobile app/website  is strictly for information purposes only. It does not entail legal commitment or contractual agreement on the part of Olivia.

You acquire absolutely no rights or licenses to this site other than the limited right to use this mobile app/website in accordance with the Terms and Conditions herein.

Unauthorized use of this mobile app/website and systems including, but not limited to, spamming/spam-related activities, reproduction, retransmission, distribution, sale, republication, modification, translation of or creation of derivative works based on this site, in whole or in part, and any decompilation, disassembly, reverse engineering or other exploitation of this site or the mobile app services are STRICTLY PROHIBITED.

You agree not to collect, use or harvest personally identifiable information from this mobile app/website. You also agree not to copy any text, image, video, code or other content from this site without the prior written permission of Olivia.

You acknowledge and agree that Olivia may obtain and aggregate technical and other data about visitor’s/user’s use of the mobile app/website excluding any personally identifiable information with respect to visitor/user, and Olivia may use such data to analyze, improve, support and operate the mobile app/website and otherwise for any business purpose, including without limitation to generate industry benchmarks or best practices guidance, recommendations or similar reports for distribution and consumption by visitors/users and prospects. 

Content Ownership

By using this mobile app/website, you retain all rights and ownership in your content. Olivia does not claim any ownership rights in your content. Even though Olivia does not claim ownership of your content, we do not need certain licenses to your content in order to operate and enable our services. When you upload or submit content to our mobile app/website, you grant Olivia license to make modifications and derivative works (solely for the purpose of better showing the best results to your needs). The license granted by you is for the purpose of operating, marketing, promoting and improving our services.

Compliance with Law

You agree to use the mobile app/website for lawful purposes only and in a manner consistent with all applicable local, national or international laws, rules and regulations.

International Use

Because you can access this mobile app/website internationally, you agree to follow all laws that apply to transmitting technical and personal data exported from the Philippines or the country of your residence.

This mobile app/website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

Links to Olivia

Olivia may not, under any circumstances, be held responsible for hypertext links made to other mobile apps/websites from this mobile app/website.

You may not portray Olivia or any of its services in a false or offensive manner. You may not misrepresent your relationship with Olivia or imply that Olivia sponsors, endorses, or is in any way affiliated with your mobile app/website or your products.

Links to Third Party Website

The mobile app/website may contain links to websites controlled or offered by third parties, and not by Olivia. Olivia shall not be liable for any information, materials, products or services posted or offered at any of these third-party websites linked to this mobile app/website. By participating in any promotion sponsored, endorsed or administered by third-parties, you agree to a complete release of Olivia from any claims or liabilities.

Intellectual Property Rights

The creator and publisher of TheOliviaApp.com and Olivia mobile app are the sole and exclusive owners of all rights, title and interest in and to the mobile app/website. Copyright, trademark, patent rights and other intellectual and proprietary rights over the mobile app/website, its contents, materials, code, database, design, organization, and compilation belong to its creator and publisher.

Copyright laws of the Philippines and other relevant regulations and international copyright treaties shall apply. Everyone is prohibited from using any content beyond the terms expressly permitted by the legislation including copying, distributing, modifying, broadcasting, reusing, transferring or MAKING DERIVATIVE WORKS of Olivia content without the prior written permission of its creator and publisher.

Olivia reserves the right to take steps as it deems necessary, including legal action, to enforce its rights against any unauthorized use of this mobile app/website, its content or services, or its intellectual property rights.

Disclaimer of Warranties and Liabilities

Olivia strives in good faith to keep this mobile app/website up to date. However, Olivia does not guarantee the accuracy, adequacy, correctness, completeness or quality of any information presented on this mobile app/website. We reserve the right to change or make corrections or improvements to any of the information provided on this mobile app/website at any time and without any prior notice. Olivia may add or remove functionalities or features, and may suspend, stop or limit the use of the mobile app/website altogether. You can stop using the mobile app/website at any time.

The information herein is not a prospectus or other binding information. The information available on this mobile app/ website is not intended as a substitute for any information on investment products such as prospectus and other official information, but solely as additional and complementary information.

Before buying or selling any product or any security or investment, you should consult your broker or other financial advisor and read the prospectus and other relevant material. Olivia has no liability for investment decisions made upon, or results obtained from the content provided in this website and in the app. We are not broker-dealers nor financial advisors; hence we do not give investment advice, nor do we recommend one product over another.

The information on this mobile app/website is provided “as is” and “as available”, without warranty of any kind, either express or implied, or statutory, including but not limited to warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus.

Olivia expressly disclaims any liability for errors or omissions in the information. The creator and publisher of the website and the app, its subsidiaries, affiliated parties, shareholders, managers and employees cannot be held liable in law, criminal or civil, for any loss suffered by users as a result of using this information either due to errors and inaccuracies of information available on this mobile app/website or due to other causes.

Any material downloaded or otherwise obtained through the use of this mobile app/website is done at your own discretion and risk, and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material. You expressly understand and agree that your use of the mobile app/website is at your sole risk.

Forward View Statement

Any projection analysis, or a statement that is a prediction of an investment product in the future is not an indication of future performance. Past performance is not a guide for future performance. You are advised to seek the help of professionals to obtain tax advice, legal advice, accounting including investment risks contained therein before making an investment decision.

Investment Goal Analysis Tool

Any investment goal analysis tool contained in Olivia is just that – a tool. It only provides an overview of investment information in general and financial analysis based on the data you provide. Taking into account all investment risks including economic risks and market risk, there is no guarantee that the investment will achieve its objectives as displayed by the analysis tool. Differences of strategies applied into an investment product can give a significant effect on the picture of the investment return. The return on investment can be influenced by, among others, by the strategy or investment objectives, market conditions and economic conditions including interest rate conditions, investment periods and general market conditions.


You expressly understand and agree that your use of the mobile app/website is at your sole risk. Please note that any investment product contains risks and you must seek information before deciding on an investment decision. Past performance does not reflect future performance.

Change of Content

Olivia reserves the right, at its sole discretion, to change, modify, add or remove provisions of the Terms and Conditions, partially or entirely, at any time. The changes shall take effect when posted, and your continued use after posting of the same is considered as acceptance of those changes. If you do not agree to the modified Terms and Conditions, you should discontinue your use of the mobile app/website. These Terms and Conditions control the relationship between you and Olivia. They do not create any third party beneficiary rights.

Applicable Law

The materials in this website and in the mobile app, as well as the content of these Terms & Conditions are designed for use by the residents of the Philippines and are subject to the laws of the Republic of the Philippines.

Any disputes related to or arising from this website or the mobile app will be subject to and governed by Philippine laws and shall be resolved exclusively within Philippine jurisdiction.