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Legal
These Terms of Service govern your use of the Oliva platform and all associated services. They are operated by two entities: Oliva Real Estate Technology LLC (Delaware) for the SaaS platform, and Oliva DB Properties CO. L.L.C. S.O.C. (UAE, RERA BRN 1573501) for regulated brokerage activity.
Table of Contents
1.1 These Terms of Service ("Terms") govern your use of the Oliva platform at joinoliva.com, our applications, and any associated services (the "Platform"). The Platform is operated by a group of two entities, each responsible for a different part of the service.
Both entities are wholly owned and controlled by Javier Sanz Alvarez. Where these Terms refer to "Oliva", "we", "us", or "our" without distinction, the reference is to the relevant entity for the service in question. Where a clause is specific to one entity, that entity is named.
1.2 Acceptance. By accessing the Platform, creating an account, browsing project listings, generating an AI memo, completing identity verification, purchasing a subscription, or engaging Oliva Brokerage on a transaction, you confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy, Disclaimer, Off-Plan Risk Disclosure, AI-Generated Content Disclaimer, and Cookie Policy.
1.3 If you do not agree to any part of these Terms, please do not use the Platform.
1.4 Order of precedence. If there is a conflict between documents, the following order applies: (a) any executed RERA Form A, Form B, or Form F; (b) the signed Brokerage Engagement Letter for a specific transaction; (c) the executed Subscription Agreement or Inner Circle Membership Agreement; (d) these Terms; (e) the Privacy Policy; (f) the Off-Plan Risk Disclosure; (g) the AI-Generated Content Disclaimer; (h) the Disclaimer; (i) the Cookie Policy.
2.1 Provided by Oliva Technology (Delaware, EIN 32-0830351):
2.2 Provided by Oliva Brokerage (Dubai, RERA BRN 1573501):
2.3 What neither entity provides. Oliva does not provide financial advice, investment advice, fund management, securities placement, legal advice, tax advice, mortgage advice, property management, inspection or snagging services, currency exchange, immigration processing, or guarantees of any kind regarding property values, rental income, or investment returns. Oliva is 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. All investment decisions are yours alone.
3.1 Creating an account. To use the Platform, register with a valid email address and a password. You may also provide your first and last name. You agree the information you provide is accurate, current, and complete.
3.2 Eligibility. You confirm that you are at least 18 years of age, have full legal capacity to enter into these Terms, are not subject to international sanctions, and will not use the Platform for any unlawful purpose.
3.3 Account security. You are responsible for keeping your login credentials confidential. Notify us at hello@joinoliva.com if you suspect unauthorized access. We are not liable for losses caused by your failure to keep credentials secure.
3.4 One account per person. Multiple accounts are not permitted. We may suspend duplicate accounts.
3.5 Your obligations. Provide truthful information, update changes promptly, cooperate with KYC and AML procedures when required, act in good faith, seek independent legal, tax, and financial advice before any investment decision, and comply with all applicable laws.
3.6 Right to data export. You may request a copy of your account data at any time by emailing hello@joinoliva.com. We respond within thirty (30) days.
3.7 Right to account deletion. You may close your account at any time. Deletion is processed within thirty (30) days of request, subject to any AML, tax, or other record-retention obligation that requires us to keep specific records for a longer period (described in the Privacy Policy).
4.1 KYC verification is not required to browse the Platform or to subscribe at the Pro or Concierge tier. KYC is required for: (a) admission to the Inner Circle, (b) engagement of Oliva Brokerage on a specific transaction, and (c) any binding offer or transaction documentation.
4.2 Provider. Identity verification is performed through iDenfy (Lithuania, EU). The process includes document verification, biometric matching of a live selfie against your passport, source-of-funds documentation where applicable, and automated screening against international sanctions lists, politically exposed persons (PEP) databases, and adverse media.
4.3 Validity. KYC is valid for three (3) years and may be re-requested if circumstances change.
4.4 Decline. We may decline to provide services to anyone who fails KYC, provides false information, or is flagged by sanctions or PEP screening. This decision is at our sole discretion and we are not obligated to give reasons where doing so would compromise our compliance obligations.
5.1 Subscription tiers (Oliva Pro, Oliva Concierge, and Oliva Inner Circle) are offered by Oliva Technology under the Subscription Agreement (and, for Inner Circle, the Inner Circle Membership Agreement). The Subscription Agreement and Inner Circle Membership Agreement contain the tier-specific terms, including the Match Quality Guarantee, Data Accuracy Guarantee, Founder Access Guarantee, and 90-day prorate-refund (Inner Circle).
5.2 Click-through acceptance. The Subscription Agreement, the Off-Plan Risk Disclosure, and (for Inner Circle) the Inner Circle Membership Agreement are presented for click-through acceptance at first paid checkout. Continued use after acceptance confirms ongoing acceptance.
5.3 Cancellation. You may cancel your subscription at any time through the Stripe Customer Portal, by email to hello@joinoliva.com, or through any in-product cancellation flow. Cancellation takes effect at the end of the then-current billing period, and you keep access until that date. Refunds for unused portions of a billing period are not available except as expressly provided in the Subscription Agreement, the Inner Circle Membership Agreement, or where required by mandatory consumer-protection law in your jurisdiction.
5.4 Auto-renewal. Subscriptions renew automatically at the published rate for the selected tier and interval. We notify you at least thirty (30) days before any price change for a future billing period. You may cancel before the new rate takes effect.
5.5 Cooling-off period (EU and UK consumers). If you are a consumer resident in the European Union or the United Kingdom, you have a 14-day right of withdrawal from the date of subscription. This right does not apply where the service is fully performed during the cooling-off period and you expressly consented to begin performance and acknowledged the loss of the right of withdrawal. To exercise the right of withdrawal, email hello@joinoliva.com within 14 days.
6.1 Non-binding offers. Offers submitted through the Platform are non-binding expressions of interest unless and until a formal agreement (such as a Sale and Purchase Agreement, or a RERA Form F) is executed by all parties.
6.2 Offer validity. Offers expire after 72 hours unless extended.
6.3 Counter-offers by developers or sellers void the original offer and create a new expression of interest subject to the same 72-hour validity.
6.4 Binding agreements. A transaction becomes binding only when all required documentation is executed and registered. Always seek independent legal advice before signing any binding document.
Important: Form F is a legally binding contract. Cancellation after signing Form F without valid legal cause may result in forfeiture of your security deposit (typically 10% of the purchase price). Always seek independent legal advice before signing.
6.5 Escrow protection. All off-plan payments must be made to the developer's RERA-approved escrow account as required by Dubai Law No. 8 of 2007. Oliva never collects, holds, or handles property purchase funds directly.
6.6 Risk Disclosure. Off-plan property carries material risks. The Off-Plan Risk Disclosure is incorporated into these Terms by reference and is presented for click-through acceptance at paid checkout and at brokerage engagement.
7.1 Subscription fees are paid to Oliva Technology in accordance with the pricing in effect at checkout, plus any applicable taxes. UAE-resident subscribers are charged 5% UAE VAT against our group TRN 105237083800001, shown on every invoice. Subscribers in jurisdictions with VAT or sales tax obligations are charged the applicable rate, collected through Stripe Tax.
7.2 Brokerage commission on off-plan transactions is paid by the developer to Oliva Brokerage, typically 1% to 2% of the purchase price. The buyer pays no brokerage commission. Subscription fees and brokerage commission are independent. Subscription fees are not credited against any commission, and commission is not netted against subscription revenue.
7.3 When commission is earned. Commission becomes payable only on completion of the transaction (Oqood registration for off-plan), in accordance with RERA Bylaw 85 Article 30. If a transaction does not complete, no commission is payable.
7.4 Conflicts of interest disclosure. Oliva Brokerage may have ongoing relationships, marketing agreements, or pre-marketing arrangements with multiple developers, including the developer of the property a Client elects to purchase. Conflicts are mitigated through transparent algorithmic project ranking, written disclosure of any specific developer arrangement before the Client commits, and the Client's ability to verify our methodology at joinoliva.com/learn/methodology.
7.5 Mortgage referrals. Where Oliva refers a Client to a licensed mortgage broker, Oliva may receive a referral fee from the broker (typically 0.25% to 0.5% of the loan amount). This fee is paid by the broker, not by you, and does not affect your interest rate or loan terms.
7.6 Government and third-party fees for Dubai off-plan transactions include: Oqood registration (typically 4% of the purchase price, minimum AED 4,000), DLD admin and title fees, developer NOC fees (AED 500 to AED 5,000), and (where applicable) mortgage registration fees. Indicative figures only. Specific applicable fees are confirmed before commitment.
7.7 Fee adjustments. Oliva may adjust subscription pricing or commission rates in response to changes in tax law, government charges, or regulatory requirements, with at least thirty (30) days written notice. Adjusted rates apply only to billing periods or transactions initiated after the notice period.
8.1 The Oliva Score is a proprietary algorithmic tool that evaluates projects across 6 analytical dimensions (Financials, Pricing, Location, Amenities, Sustainability, Developer, Macro) and 97 underlying metrics, using data from the Dubai Land Department and other licensed sources.
8.2 The Oliva Score is an informational tool only. It is not a recommendation to buy, sell, or hold any property, and it is not an assessment of suitability for your individual circumstances. A high score does not guarantee a property is right for you. A low score does not necessarily mean a property is unsuitable.
8.3 Financial indicators displayed on the Platform, including rental yields, NOI, Cash-on-Cash, IRR, cap rates, and capital appreciation estimates, are projections based on assumptions and historical data. They are not guarantees or forecasts. Past performance is not a reliable indicator of future results.
8.4 Project information, including prices, floor plans, specifications, photographs, and availability, is indicative. Information may change without notice and may contain inaccuracies despite our reasonable efforts.
8.5 Always verify material information independently and consult qualified professionals before making any investment decision.
9.1 Where the Platform produces AI-generated content (including AI Investment Memos), the AI-Generated Content Disclaimer applies and is incorporated into these Terms by reference.
9.2 AI-generated content is grounded in our verified dataset using Anthropic Claude. It is informational, may contain errors, must be verified against source data before any transactional decision, and is not investment advice.
9.3 An audit log of every AI-generated output is retained. You may request the raw retrieved context that produced any specific output by emailing hello@joinoliva.com.
10.1 Ownership. All content on the Platform, including the Oliva Score algorithm and methodology, the matching engine, financial models, data compilations, databases, software, AI memo outputs, and user-interface design, is the property of Oliva or its licensors and is protected by intellectual property laws.
10.2 License to you. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform and its outputs for your own internal investment-evaluation purposes during your active subscription. This license does not include the right to copy, reproduce, modify, distribute, display, reverse engineer, decompile, sublicense, or commercially exploit any content from the Platform without our prior written consent.
10.3 Anti-circumvention. You may not use automated tools, bots, scrapers, or systematic downloading to extract data from the Platform. You may not republish, resell, or redistribute Oliva Scores, financial metrics, or data outputs. You may not use the Platform or any output to train any machine-learning or artificial-intelligence model without our prior written consent.
10.4 Your inputs. You retain rights in any data you input into the Platform, including investor profile information. You grant Oliva a non-exclusive, royalty-free license to use that input data for the purpose of providing the service, improving the Platform, and producing aggregated, anonymized analytics.
10.5 Feedback. Feedback you voluntarily provide may be used by Oliva without restriction.
11.1 Two data controllers. Personal data is processed by the entity providing the relevant service: Oliva Technology is the data controller for the SaaS platform (browsing, profile, scoring, matching, AI memos, subscriptions, marketing). Oliva Brokerage is the data controller for the brokerage relationship on a specific transaction (RERA Form B, KYC, transaction documents, escrow correspondence, Oqood and DLD registration).
11.2 Inter-entity data flow. Personal data may flow between the two controllers as needed to provide the integrated user experience, governed by a written Data Processing Addendum between the two controllers, available on request from hello@joinoliva.com.
11.3 Compliance. Both controllers process personal data in accordance with the UAE Federal Decree-Law No. 45 of 2021 on the Protection of Personal Data ("PDPL"). For users resident in the European Economic Area, the United Kingdom, or Switzerland, the EU GDPR or UK GDPR applies in addition. Full details are in the Privacy Policy.
11.4 Categories of data we collect include identity, contact, financial, transaction, technical, communication, and scoring interaction data.
11.5 International transfers. Data may be transferred to the United States (Oliva Technology), within the UAE (Oliva Brokerage), to the European Union (iDenfy KYC), and to other jurisdictions where service providers process data on our behalf. Transfers are protected by data processing agreements, encryption in transit and at rest, and (where applicable) Standard Contractual Clauses.
11.6 Retention. AML and KYC records are retained for a minimum of 5 years from the end of the business relationship. Subscription billing records are retained for 7 years for tax purposes. Detailed retention rules are in the Privacy Policy.
11.7 Your rights. You have rights under PDPL (and, where applicable, GDPR) to access, correct, delete, port your personal data, and to restrict or object to certain processing. To exercise any right, email hello@joinoliva.com.
12.1 Oliva Brokerage is a Designated Non-Financial Business and Profession under UAE Federal Decree-Law No. 20 of 2018 on Anti-Money Laundering and Combating the Financing of Terrorism. Oliva Brokerage maintains a comprehensive AML/CFT compliance program.
12.2 Ongoing monitoring. We perform Customer Due Diligence and ongoing transaction monitoring throughout the business relationship, including periodic re-verification of identity, screening against updated sanctions lists and PEP databases, and Enhanced Due Diligence for higher-risk clients or transactions.
12.3 Right to delay, refuse, or block. We may delay, suspend, refuse, or block any transaction, service, or account access where we have reasonable grounds to suspect money laundering, terrorism financing, sanctions evasion, or other financial crime, or where required by law.
12.4 Relationship termination. We may terminate the relationship immediately and without notice where AML/CFT, sanctions, or financial-crime concerns arise.
12.5 Regulatory reporting. We may file Suspicious Activity Reports with the UAE Financial Intelligence Unit via goAML. UAE law prohibits us from informing you that a report has been filed or considered (tipping-off prohibition under Federal Decree-Law No. 20 of 2018, Article 23).
12.6 Sanctions. We comply with all applicable sanctions regimes, including those administered by the UAE, the United Nations Security Council, the United States Office of Foreign Assets Control, and other relevant international bodies.
12.7 Anti-corruption. We do not tolerate bribery, kickbacks, or improper payments in any form.
12.8 Fraud prevention. Verify all payment instructions through authenticated channels before transferring any funds. Oliva will never ask you to transfer property purchase funds to an Oliva bank account. All off-plan payments must be made to RERA-approved escrow accounts. Report any suspicious request to hello@joinoliva.com.
12.9 Your obligations. You confirm that funds used for any transaction are from legitimate, lawful sources, that you are not acting on behalf of any sanctioned person or entity, and that you will promptly provide additional documentation requested as part of compliance.
Please read carefully. This section contains important limitations on our liability to you.
13.1 Liability cap. To the maximum extent permitted by applicable law, the total aggregate liability of Oliva Technology and Oliva Brokerage, taken together, for any and all claims arising out of or related to these Terms, the Platform, or our services, in any twelve (12) month period, shall not exceed the higher of:
13.2 Excluded losses. Subject to Section 13.4, Oliva shall not be liable for any: loss of profits, revenue, income, anticipated savings, or business opportunities; loss of investment returns, rental income, or capital appreciation; indirect, incidental, consequential, special, punitive, or exemplary damages; losses arising from your reliance on any information, projections, Oliva Scores, AI memos, or data on the Platform; losses caused by third parties (including developers, banks, brokers, tenants, or service providers); or losses arising from circumstances beyond our reasonable control.
13.3 Specific exclusions. Without limiting the above, we accept no liability for investment outcomes of any kind, developer performance or construction quality, mortgage application outcomes, regulatory or visa decisions made by competent authorities, currency fluctuations, tax obligations, or any decision you make based on information from the Platform.
13.4 Non-excludable liability. Nothing in these Terms excludes or limits liability for: fraud or fraudulent misrepresentation; gross negligence or willful misconduct; breach of confidentiality; breach of data-protection obligations under PDPL or applicable equivalents; intellectual-property infringement; death or personal injury caused by our negligence; or any liability that cannot lawfully be excluded or limited.
13.5 Statutory obligations. Liability caps in this Section do not affect non-waivable statutory obligations under PDPL, AML/CFT laws, UAE corporate tax law, RERA Bylaw 85, or any other applicable regulation, and do not apply to fines, penalties, or orders imposed on Oliva by competent regulatory authorities.
13.6 Scope of cap. The aggregate liability cap in this Section applies only to claims against Oliva entities arising under or in connection with this Agreement. The cap does not, and cannot, limit any rights the Subscriber may have against third parties, including without limitation real estate developers, escrow agents, banks, regulators, or other counterparties. Where the Subscriber has a claim against a developer or other third party, that claim is governed by the relevant contractual and regulatory framework, not by this Agreement.
The cap also does not apply to: (a) any administrative fine, regulatory penalty, or order of restitution imposed directly on an Oliva entity by RERA, the DLD, the FTA, the UAE Data Office, the UK ICO, the EU supervisory authority, or any other competent regulator; (b) liability arising from fraud, fraudulent misrepresentation, or wilful misconduct; (c) liability arising from death or personal injury caused by an Oliva entity's negligence; or (d) any other liability that cannot be limited or excluded under applicable law.
14.1 By you. You agree to indemnify, defend, and hold harmless Oliva, its directors, officers, employees, agents, and affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to: your breach of these Terms or any applicable law; your misuse of the Platform; any transaction you enter into; inaccurate, incomplete, or misleading information you provide; your failure to comply with KYC or AML requirements; or your investment decisions and their outcomes.
14.2 By Oliva. Oliva will defend you, at our expense, against any claim that the Platform infringes the intellectual property rights of any third party, and will pay any damages finally awarded by a court or agreed in settlement, provided you (a) notify us promptly, (b) give us sole control of the defense and settlement, and (c) cooperate as reasonably required.
15.1 By you. You may close your account at any time as described in Section 3.7. Pending transactions and outstanding obligations are not affected.
15.2 By Oliva. We may suspend or terminate your account, with or without notice, if you breach these Terms, fail KYC, provide false information, engage in fraudulent or unlawful activity, are flagged by sanctions or adverse-media screening, create multiple accounts, attempt to circumvent our systems, or where continued access poses a reasonable risk to us or to other users.
15.3 Effect of termination. Your right to access the Platform ceases. We retain data as required by applicable law. Provisions that by their nature should survive termination continue (including intellectual property, limitation of liability, indemnification, and dispute resolution).
16.1 Governing law. These Terms have a split governing-law structure that mirrors the two-entity model:
16.2 Informal resolution. Both parties agree to attempt good-faith resolution through direct negotiation for at least thirty (30) days before initiating any formal proceeding. Direct any complaint to hello@joinoliva.com.
16.3 RERA dispute resolution. For brokerage disputes, you may also use RERA's mechanisms, including the Permanent Real Estate Brokerage Committee and the Real Estate Violation System, in addition to or in place of the steps in Section 16.4.
16.4 Forum selection. Subject to Section 16.5 (consumer rights):
16.5 Consumer rights. Nothing in this Section limits or waives mandatory consumer-protection rights in your country of residence. If mandatory local consumer law in your jurisdiction requires a specific forum, court, or procedure (including small-claims jurisdiction), those requirements prevail to the extent legally required, and binding arbitration does not strip you of those rights.
16.6 Class-action waiver. To the maximum extent permitted by law, you agree to bring claims only in your individual capacity and not as a plaintiff or class member in any class, collective, or representative action.
16.7 Limitation period. Any claim arising under these Terms must be commenced within two (2) years from the date the cause of action arose, except where a longer period is required by applicable law.
16.8 Regulatory complaint rights preserved. Nothing in this Agreement waives, suspends, or subordinates the Subscriber's right at any time to complain to RERA, the DLD, the FTA, or any other competent UAE authority, or to a competent regulator in the Subscriber's jurisdiction of residence. The dispute resolution procedure in this Section is without prejudice to all such regulatory rights and avenues.
17.1 Amendments. We may update these Terms at any time. For material changes, we notify you by email at least thirty (30) days before they take effect. Continued use after the change takes effect constitutes acceptance.
17.2 Severability. If any provision is found invalid or unenforceable, it will be modified to the minimum extent necessary, or severed. Remaining provisions stay in effect.
17.3 Entire agreement. These Terms, together with the Privacy Policy, the Off-Plan Risk Disclosure, the AI-Generated Content Disclaimer, the Subscription Agreement, the Inner Circle Membership Agreement, the Brokerage Engagement Letter, the Disclaimer, and the Cookie Policy, constitute the entire agreement between you and Oliva.
17.4 Assignment. You may not assign these Terms without our prior written consent. We may assign to an affiliate or successor entity in connection with a corporate reorganization or sale of substantially all of the relevant entity's assets.
17.5 Force majeure. Neither party is liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of government, regulatory changes, war, civil unrest, fire, flood, pandemic, internet outage, or third-party platform failure, other than the obligation to pay sums due.
17.6 No waiver. Failure to enforce any provision is not a waiver of that provision.
17.7 Language. These Terms are provided in English. If an Arabic translation is prepared, the Arabic version controls in proceedings before UAE courts; the English version controls in DIAC arbitration and in Delaware courts.
17.8 Record-keeping. Oliva maintains audit logs of acceptance of these Terms, the Privacy Policy, the Off-Plan Risk Disclosure, and the AI-Generated Content Disclaimer, retained for a minimum of 5 years from creation, or longer where required by AML, PDPL, RERA, or other applicable law.
17.9 Notices. Notices to Oliva: hello@joinoliva.com. Postal notices to Oliva Brokerage: Ontario Tower, C1801, Business Bay, Dubai, United Arab Emirates. Postal notices to Oliva Technology: 8 The Green, Ste A, Dover, DE 19901. Notices to you are sent to the email address registered on your account.
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.
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