Terms and Conditions

Welcome to Olivia.ph. This web site's Terms and Conditions of use apply to all visitors. Please read them carefully.

If you do not agree to be bound by these Terms and Conditions, PLEASE DO NOT USE THIS WEB SITE.

Access and Use

The information contained in Olivia.ph and Olivia mobile app (hereinafter referred to as "Olivia") 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 web site in accordance with the Terms and Conditions herein.

Unauthorized use of this site 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 is STRICTLY PROHIBITED.

You agree not to collect, use or harvest personally identifiable information from this web site. You also agree not to copy any text, image, video, code or other content from this site without the prior written permission of Oliva.ph.

Compliance with Law

You agree to use the web site 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 web site 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 web site 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 web sites from this web site.

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 web site or your products.

Links to Third Party Web Site

The web site may contain links to web sites 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 web sites linked to this web site. 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 Olivia.ph and Olivia mobile app are the sole and exclusive owners of all rights, title and interest in and to the web site. Copyright, trademark, patent rights and other intellectual and proprietary rights over the web site, 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 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.ph reserves the right to take steps as it deems necessary, including legal action, to enforce its rights against any unauthorized use of this web site, its content or services, or its intellectual property rights.

Disclaimer of Warranties and Liabilities

Olivia strives in good faith to keep this web site up to date. However, Olivia does not guarantee the accuracy, adequacy, correctness, completeness or quality of any information presented on this web site. We reserve the right to change or make corrections to any of the information provided on this web site at any time and without any prior notice.

The information herein is not a prospectus or other binding information. the information available on this web site 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 web site 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 web site is provided "as is" and "as available," without warranty of any kind, either express or implied. or statutory, including but not limited to warranties 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 web site 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 web site or due to other causes.

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.


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 take effect when posted, and your continued use after posting of the same is considered as acceptance of those changes.

Applicable Law

The materials in this web site and in the mobile app, as well as the content of this Terms and 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 web site or the mobile app will be subject to and governed by Philippine laws and shall be resolved exclusively within Philippine jurisdiction.

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