Disclaimer

The Oliva platform at joinoliva.com (the "Platform") is operated by two entities, both wholly owned by Javier Sanz Alvarez:

• Oliva Real Estate Technology LLC ("Oliva Technology"), 8 The Green, Ste A, Dover, DE 19901, EIN 32-0830351, operating the SaaS platform, the Oliva Score, AI-generated content, and paid subscriptions.
• Oliva DB Properties CO. L.L.C. S.O.C. ("Oliva Brokerage"), a mainland Dubai limited liability company licensed by the Real Estate Regulatory Agency under Brokerage Registration Number 1573501, operating the regulated real-estate brokerage activity.

All information on the Platform is provided for general informational purposes only. Nothing on the Platform constitutes financial, investment, legal, tax, or any other form of professional advice. This Disclaimer should be read together with our Terms of Service, Privacy Policy, Off-Plan Risk Disclosure, AI-Generated Content Disclaimer, and (where applicable) the Subscription Agreement, the Inner Circle Membership Agreement, and the Brokerage Engagement Letter. In the event of any conflict, the Terms of Service prevail.

Oliva is a real-estate brokerage and a real-estate-data-and-software business. We are not a financial advisor, investment advisor, wealth manager, fund manager, capital-markets intermediary, legal firm, tax advisor, mortgage broker, lender, or property developer. We are not regulated by the UAE Securities and Commodities Authority, the Dubai Financial Services Authority, the Central Bank of the UAE, the United States Securities and Exchange Commission, or any other financial-services regulator.

Nothing on this Platform, including project listings, market data, financial indicators, Oliva Scores, rental-yield estimates, capital-appreciation projections, return calculations, scoring methodology, AI-generated content, educational content, or any other information, constitutes:

• financial or investment advice within the meaning of any applicable law or regulation;
• a recommendation or solicitation to purchase, sell, or hold any property or financial instrument;
• an assessment of suitability for your individual financial circumstances, risk tolerance, or investment objectives;
• legal advice about property ownership, contracts, visa implications, or inheritance;
• tax advice about UAE or home-country taxation of property income or capital gains;
• a guarantee, warranty, or promise regarding any present or future outcome.

All investment decisions are yours alone and made entirely at your own risk. Obtain independent advice from qualified financial advisors, lawyers, and tax professionals before making any property investment decision.

The Oliva Score is a proprietary algorithmic tool that evaluates projects across 6 analytical dimensions and 97 underlying metrics, using data from official and licensed sources.

The Oliva Score is an informational tool designed to support your own independent research. It is not:

• a recommendation to buy, sell, or hold any property;
• an assessment of whether any property is suitable for you;
• a guarantee or prediction of investment performance;
• a substitute for independent professional advice;
• a warranty of property quality, condition, or value.

A high Oliva Score does not mean a property is right for you. A low score does not necessarily mean a property is a poor investment. The score reflects algorithmic analysis of available data points and may not capture every factor relevant to your specific situation. Scores refresh on a regular cadence but depend on data that may have inherent delays, gaps, or inaccuracies from source systems.

Always conduct your own analysis and seek professional advice before acting on any Oliva Score or related information.

Where the Platform produces AI-generated content (including AI Investment Memos), the AI-Generated Content Disclaimer applies in addition to this Disclaimer.

AI-generated content is grounded in our verified Dubai Land Department-sourced dataset using Anthropic Claude, may contain errors, and must be verified against source data before any transactional decision. AI-generated content is informational, not investment advice.

Financial indicators displayed on the Platform, including rental yields, NOI, Cash-on-Cash, IRR, cap rates, price-per-square-foot comparisons, and capital-appreciation estimates, are:

• projections based on assumptions and historical data that may not materialize;
• not guarantees or forecasts of future performance;
• subject to market conditions, economic changes, and factors entirely beyond our control;
• provided solely to assist your own independent analysis.

Historical performance data reflects past conditions and is not indicative of future results. Market data, including DLD transaction volumes, area prices, occupancy rates, and trend analyses, is sourced from official and public sources but may contain delays, omissions, or inaccuracies.

We expressly disclaim any warranty or representation regarding future property values, rental income, investment returns, or any other financial outcome.

Project information on the Platform, including prices, specifications, floor plans, photographs, renderings, developer materials, payment plans, and availability, is provided on an indicative basis and may:

• change at any time without notice at the developer's or seller's discretion;
• differ from the actual property as delivered or inspected;
• contain inaccuracies or be outdated at the time you view it;
• not reflect current pricing, available units, or payment-plan terms.

Photographs, renderings, and virtual tours are for illustrative purposes only. Delivered properties may differ in appearance, finish, and layout. RERA permits area variations of up to 5% from contracted specifications. Views and surroundings shown in marketing materials may not accurately reflect actual conditions.

We make reasonable efforts to keep information accurate, but we do not warrant that any information on the Platform is complete, accurate, current, or error-free. Verify all material information independently before any purchase decision.

Oliva Brokerage operates independently from the property developers whose projects are listed on the Platform. While developers pay our brokerage commission on off-plan sales, the Oliva Score is calculated using algorithmic analysis of data from independent sources and is not influenced by the commission arrangements we have with any developer.

Projects are presented based on your stated search criteria and preferences. We do not prioritize or suppress listings based on our commercial relationships. Where a developer offers us a promotional incentive beyond standard commission, this is disclosed before you commit.

We earn commission from developers on off-plan transactions, and this creates an inherent commercial interest in facilitating sales. Always conduct your own due diligence.

Commission disclosure. When you buy a property through Oliva, the developer pays Oliva Brokerage a commission, typically between 1 and 2 percent of the purchase price. You do not pay this commission. Scoring on the Platform is algorithmic and is not contingent on commission: the Oliva Score and pricing verdicts do not change based on what any developer pays us. You can verify Oliva Brokerage under RERA Brokerage Registration Number 1573501 on the Dubai Land Department public register.

The Platform may contain links to third-party websites, content from external sources, and information provided by developers, sellers, and other third parties. We do not control, endorse, or assume responsibility for any third-party content, websites, services, or information.

Accessing third-party links is at your own risk. Third-party websites operate under their own terms and privacy policies. We are not responsible for the availability, accuracy, or content of external resources.

Developer marketing materials, brochures, and presentations displayed on the Platform are provided by the respective developers. Oliva does not warrant the accuracy of developer-provided information.

Key risks include but are not limited to: property-value declines, market oversupply, economic downturns, interest-rate increases, illiquidity, inability to sell at your desired price or timeline, rental-income shortfalls, tenant default, developer default and construction delays (off-plan), currency movements, regulatory changes, and tax-law changes.

For a comprehensive discussion of all material risks, please read our Off-Plan Risk Disclosure. Do not invest in property unless you fully understand and accept all risks and are investing only funds you can afford to lose without affecting your standard of living.

To the maximum extent permitted by applicable law, Oliva, its directors, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to:

• your use of or reliance on any information on the Platform;
• any investment decisions you make;
• errors, omissions, or inaccuracies in Platform content;
• Platform interruptions, downtime, or technical issues;
• actions or omissions of developers, sellers, or third-party service providers;
• your reliance on Oliva Scores, AI-generated content, financial projections, or market data.

Total aggregate liability is capped as set out in the Terms of Service (Part 13). See the Terms of Service for complete liability provisions.

Nothing in this Disclaimer excludes liability for fraud, gross negligence, willful misconduct, breach of confidentiality, breach of data-protection obligations, intellectual-property infringement, or any liability that cannot be lawfully excluded under UAE or US law.

Statutory obligations. The limitations in this section do not affect Oliva's non-waivable statutory obligations under PDPL, AML/CFT laws, UAE corporate-tax law, RERA Bylaw 85, or any other applicable regulation. Liability caps do not apply to fines, penalties, or orders imposed by competent regulatory authorities.

We make reasonable efforts to keep the Platform available and functioning correctly, with a target service availability of 99.5%. We do not guarantee uninterrupted, timely, secure, or error-free access. The Platform may be temporarily unavailable due to scheduled maintenance, updates, or technical issues beyond our control.

We reserve the right to modify, suspend, or discontinue any part of the Platform at any time without notice. We are not liable for any loss or inconvenience arising from Platform unavailability.

All prices, fees, charges, and other figures on the Platform are provided on an indicative and non-binding basis unless otherwise stated. Third-party fees imposed by developers, government authorities, banks, and other parties may change at any time.

This Disclaimer follows the same split governing-law structure as the Terms of Service: Delaware law for SaaS-related matters, UAE law for brokerage-related matters, and UAE law for general application of this Disclaimer. Disputes are resolved in accordance with the dispute-resolution provisions in the Terms of Service.

If any provision of this Disclaimer is found to be invalid or unenforceable, the remaining provisions continue in full force and effect.

If you have questions about this Disclaimer:

• General inquiries: hello@joinoliva.com
• Legal and compliance: hello@joinoliva.com
• Data protection: hello@joinoliva.com
• Complaints: hello@joinoliva.com

Oliva Technology: Oliva Real Estate Technology LLC, 8 The Green, Ste A, Dover, DE 19901, EIN 32-0830351.

Oliva Brokerage: Oliva DB Properties CO. L.L.C. S.O.C., RERA Brokerage Registration Number and Trade Licence Number 1573501, Ontario Tower, C1801, Business Bay, Dubai, United Arab Emirates. TRN 105237083800001.