Workflow & Automation · fromolive.comOlive
Graded against 811 verified platforms, from its own policy text. Automated assessment against a published rubric — not legal advice.
No lens is bandable yet — banding requires fully verified documents with on-criteria findings. The gap is shown honestly, never estimated.
Watch: subprocessors data sharing
Start here. These are the highest-risk verified clauses AIRIN found in the platform's own policy text.
Prohibits selling, renting, or sharing mobile phone numbers, SMS opt-in data, or messaging consent with third parties or affiliates for their own marketing or promotional purposes — user-protective restriction; limits sharing to service providers only as necessary to deliver messages, and clarifies that marketing text consent is not a purchase condition.
Segment discloses that other identifying information voluntarily submitted by users — such as messages, feedback, survey responses, and content shared through the Services — is collected and shared with Service Providers, covering user-generated input data.
Describes the categories of parties to whom personal data is disclosed and notes that certain disclosures may constitute a 'sale' under applicable state laws, directing users to a state-specific rights section for further information.
How to read this page: Overall risk rates what Olive's own policy terms mean for your prompts, outputs, and data. The benchmark bands below grade those same verified terms relative to peers — a platform in a risky-by-default category can rate HIGH risk and still grade STRONG against its peer set. Both trace to the cited findings.
Fully verified — complete core corpus captured and read in full.
- Terms of ServiceVerified - read in full - 0 citationsstaticLast captured 2026-08-18
- Privacy PolicyVerified - read in full - 41 citationsstaticLast captured 2026-08-17
Only citation-backed plan differences are shown here; absent cells mean AIRIN has not verified a tier-specific claim.
Segment enumerates specific circumstances under which personal data is directly collected from users — including account creation, use of services, free-form text input, content interaction, email contact, automatic collection, and cookies — disclosing the breadth of collection touchpoints.
" When you provide such information directly to us. When you create an account or use our Services. When you provide free-form text such as questions, feedback, or responses to prompts. When you save or interact with content in the app. ..."
Segment discloses multiple business purposes for which personal data is collected and used, including account management, identity authentication, personalized content generation, profile building, support, service improvement, fraud protection, and fulfillment of other stated business purposes — establishing the permissible uses of collected data.
" Creating and managing your account. Authenticating your identity. Generating personalized content based on your interests and activity. Building and refining your profile based on your interactions with the Services. Providing support ..."
Permits use and sharing of aggregated, de-identified, or anonymized data with third parties for lawful business purposes including service analysis, improvement, and business promotion, subject to a restriction that such data must not be shared in a manner that could identify the user — the non-identification condition is user-protective.
" We may use such aggregated, de-identified, or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build, and improve the Services and promote our business, provided that we will not share..."
Defines service providers as parties that help deliver Services or perform business functions on the company's behalf, establishing the category of recipients covered by this disclosure.
" Service Providers. These parties help us provide the Services or perform business functions on our behalf. They include:"
Permits sharing of any collected personal data with third parties when doing so is connected to meeting legal requirements or enforcing legal terms, incorporating by reference a separately defined list of commercial purposes.
" We may share any personal data that we collect with third parties in conjunction with any of the activities set forth under "Meeting Legal Requirements and Enforcing Legal Terms" in the "Our Commercial or Business Purposes for Collecting P..."
Permits transfer of all collected personal data to a third party in the event of a merger, acquisition, bankruptcy, or similar transaction where that party assumes control of the business, with an obligation to make reasonable efforts to notify users before the transfer subjects their data to different policies.
" All of your personal data that we collect may be transferred to a third party if we undergo a merger, acquisition, bankruptcy, or other transaction in which that third party assumes control of our business (in whole or in part). Should one..."
Evidence appendix
Showing priority citations first. The full appendix is available for audit trails; not every citation is a severe risk.
" We do not sell, rent, or share mobile phone numbers, SMS opt-in data, or messaging consent with third parties or affiliates for their own marketing or promotional purposes. We may share this information with service providers only as necessary to deliver messages and operate the messaging program. Your consent to receive marketing text messages is not a condition of purchase."
Prohibits selling, renting, or sharing mobile phone numbers, SMS opt-in data, or messaging consent with third parties or affiliates for their own marketing or promotional purposes — user-protective restriction; limits sharing to service providers only as necessary to deliver messages, and clarifies that marketing text consent is not a purchase condition.
AI-generated interpretation, not legal advice.
" Other Identifying Information that You Voluntarily Choose to Provide Information submitted by you in messages, feedback, survey responses, or other content you share through the Services Service Providers "
Segment discloses that other identifying information voluntarily submitted by users — such as messages, feedback, survey responses, and content shared through the Services — is collected and shared with Service Providers, covering user-generated input data.
AI-generated interpretation, not legal advice.
" We disclose your personal data to the categories of service providers and other parties listed in this section. Depending on state laws that may be applicable to you, some of these disclosures may constitute a "sale" of your personal data. For more information, please refer to the section with state-specific rights below."
Describes the categories of parties to whom personal data is disclosed and notes that certain disclosures may constitute a 'sale' under applicable state laws, directing users to a state-specific rights section for further information.
AI-generated interpretation, not legal advice.
" We may share any personal data that we collect with third parties in conjunction with any of the activities set forth under "Meeting Legal Requirements and Enforcing Legal Terms" in the "Our Commercial or Business Purposes for Collecting Personal Data" section above."
Permits sharing of any collected personal data with third parties when doing so is connected to meeting legal requirements or enforcing legal terms, incorporating by reference a separately defined list of commercial purposes.
AI-generated interpretation, not legal advice.
" We will not collect additional categories of personal data or use the personal data we collected for materially different, unrelated, or incompatible purposes without providing you notice."
Segment restricts Olive from collecting additional categories of personal data or using collected data for materially different, unrelated, or incompatible purposes without first providing notice to users — a user-favorable limitation on scope creep in data use.
AI-generated interpretation, not legal advice.
" We may use such aggregated, de-identified, or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build, and improve the Services and promote our business, provided that we will not share such data in a manner that could identify you."
Permits use and sharing of aggregated, de-identified, or anonymized data with third parties for lawful business purposes including service analysis, improvement, and business promotion, subject to a restriction that such data must not be shared in a manner that could identify the user — the non-identification condition is user-protective.
AI-generated interpretation, not legal advice.
" As noted in the Terms of Service, we do not knowingly collect or solicit personal data about children under 13 years of age; if you are a child under the age of 13, please do not attempt to register for or otherwise use the Services or send us any personal data."
Prohibits knowingly collecting or soliciting personal data from children under 13 and instructs such children not to register or send personal data — user-protective restriction; incorporates the Terms of Service by reference for the underlying age restriction.
AI-generated interpretation, not legal advice.
" 1. Ensure that each person authorized to process personal data is subject to a duty of confidentiality with respect to the personal data;"
Obligates the company to ensure that each person authorized to process personal data is subject to a duty of confidentiality with respect to that personal data, establishing an internal access-control and confidentiality requirement — user-protective.
AI-generated interpretation, not legal advice.
" Welcome to Olive! This Privacy Policy applies to all our websites, applications, services, and other offerings linked to this policy (collectively, the " Services "). It explains how Olive Financial, Inc. (" Olive ," " we ," " our ," or " us ") collects, uses, stores, and protects your personal data. Please read it carefully to understand your rights and our responsibilities regarding your information."
Segment introduces the scope and parties of the Privacy Policy, defining the covered services and the entity responsible for collecting, using, storing, and protecting personal data — establishing the foundational framework for all downstream obligations.
AI-generated interpretation, not legal advice.
" In providing the Services, Olive may collect personal data from individuals interacting with our Services, including, without limitation, mobile app users, website visitors, and potential customers. By accessing or using our Services, you acknowledge and consent to our practices regarding the collection, use, and sharing of your information as outlined in this Privacy Policy."
Segment establishes that by accessing or using the Services the user acknowledges and consents to the collection, use, and sharing of their information as described in the policy, binding users to the described data practices.
AI-generated interpretation, not legal advice.
" This Privacy Policy addresses how we handle "personal data," defined as any information identifying or relating to a specific individual, including information classified as "personally identifiable information" or "personal information" under applicable privacy laws, rules, or regulations. This Policy does not apply to the practices of entities we do not own or control or to individuals we do not manage."
Segment defines 'personal data' as any information identifying or relating to a specific individual, including information classified under applicable privacy laws, and limits the policy's scope by excluding practices of entities Olive does not own or control.
AI-generated interpretation, not legal advice.
" When you provide such information directly to us. When you create an account or use our Services. When you provide free-form text such as questions, feedback, or responses to prompts. When you save or interact with content in the app. When you send us an email or otherwise contact us. When you use the Services and such information is collected automatically. Through Cookies (defined in the "Tracking Tools and Opt-Out" section below)."
Segment enumerates specific circumstances under which personal data is directly collected from users — including account creation, use of services, free-form text input, content interaction, email contact, automatic collection, and cookies — disclosing the breadth of collection touchpoints.
AI-generated interpretation, not legal advice.
" Creating and managing your account. Authenticating your identity. Generating personalized content based on your interests and activity. Building and refining your profile based on your interactions with the Services. Providing support and assistance for the Services. Improving the Services, including our content generation systems and recommendation quality. Doing fraud protection, security, and debugging. Carrying out other business purposes stated when collecting your personal data or as otherwise set forth in applicable data privacy laws."
Segment discloses multiple business purposes for which personal data is collected and used, including account management, identity authentication, personalized content generation, profile building, support, service improvement, fraud protection, and fulfillment of other stated business purposes — establishing the permissible uses of collected data.
AI-generated interpretation, not legal advice.
" Responding to correspondence that we receive from you, contacting you when necessary or requested, and sending you information about Olive or the Services. Sending communications according to your preferences."
Segment discloses that personal data is used to respond to user correspondence, contact users when necessary or requested, and send information and communications according to user preferences — establishing communication-related data use purposes.
AI-generated interpretation, not legal advice.
" Fulfilling our legal obligations under applicable law, regulation, court order, or other legal process, such as preventing, detecting, and investigating security incidents and potentially prohibited activities. Protecting the rights, property, or safety of you, Olive, or another party. Enforcing any agreements with you. Resolving disputes."
Segment discloses that personal data is used to fulfill legal obligations, prevent and investigate security incidents and potentially prohibited activities, protect rights and safety, enforce agreements, and resolve disputes — establishing legally-driven data use purposes.
AI-generated interpretation, not legal advice.
" If you opt in to receive text messages from Olive, we collect your mobile phone number and records of your consent and messaging preferences. We use this information to send authentication codes, account and service notifications, customer-care messages, and any other messages covered by the consent you provided."
Describes the data collected upon SMS opt-in and the permitted purposes for which that data is used, establishing the functional scope of the SMS communications data practice.
AI-generated interpretation, not legal advice.
" You may opt out at any time by replying STOP to an Olive text message. For additional messaging terms, including help instructions and information about message frequency and rates, see our Terms of Service ."
Establishes the procedure for opting out of SMS communications by replying STOP, and incorporates the Terms of Service for additional messaging terms including help instructions, message frequency, and rates.
AI-generated interpretation, not legal advice.
" The Services use cookies and similar technologies such as pixel tags, web beacons, clear GIFs, and JavaScript (collectively, "Cookies") to enable our servers to recognize your web browser, tell us how and when you visit and use our Services, analyze trends, learn about our user base, and operate and improve our Services. Cookies are small pieces of data — usually text files — placed on your computer, tablet, phone, or similar device when you use that device to access our Services."
Defines cookies as small pieces of data placed on a user's device and describes their general purpose in enabling server recognition and usage analysis, establishing the definitional basis for the cookie types that follow.
AI-generated interpretation, not legal advice.
Clause detail — protections, your obligations, and coverage
Every clause below is a verbatim quote from Olive's own published policy, read in full and linked to its exact location. Protections and user obligations are reported separately from risk because they are different kinds of clause — an obligation on you is not a risk to your data. Informational only, not legal advice.
✅ Protections found
0 verified clausesClauses in Olive's policies that work in your favour — commitments the platform made to you.
No protective clause has been verified in Olive's published policies yet. That means we did not find one in the documents we read — not that the platform offers nothing.
📋 Rules you must follow
0 verified clausesWhat Olive requires of YOU. These are your obligations, not risks to your data or IP, so they are cited here and excluded from this platform's risk rating.
No user-conduct rule has been verified in Olive's published policies yet.
What the policies actually cover
0 topicsNone of Olive's verified clauses has been assigned a topic yet. The clause-trust review has not reached this platform's findings.
Cross-clause notes
Verified retention clauses point in different directions: the Privacy Policy, Privacy Policy › “Data Security and Retention” describes broad or open-ended retention, while the Privacy Policy, Privacy Policy › “Colorado, Connecticut, Montana, Oregon, Texas, Utah, and Virginia Rights” describes deletion or erasure. Which clause controls in a given situation is not resolved by the documents' text alone — this is surfaced as an ambiguity, treated as Caution.
Automated cross-reference against the published rubric — not legal advice.
Clause intelligence
Canonical clauses and stance patterns extracted from the same gate-verified citations shown on this page.
The clause includes sublicensable, transferable, or assignable rights.
“The Services, including their software, design, branding, and Olive-provided content, are owned by Olive or its licensors and are protected by intellectual property laws. Subject to these Terms, Olive grants you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for their intended purpose.”Open source citation
The clause includes sublicensable, transferable, or assignable rights.
“The Services, including their software, design, branding, and Olive-provided content, are owned by Olive or its licensors and are protected by intellectual property laws. Subject to these Terms, Olive grants you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for their intended purpose.”Open source citation
The clause grants a broad content license.
“You retain ownership of content you submit to the Services. You grant Olive a worldwide, non-exclusive, royalty-free license to host, process, reproduce, and display that content only as needed to operate, secure, and improve the Services.”Open source citation
The clause grants a broad content license.
“The Services, including their software, design, branding, and Olive-provided content, are owned by Olive or its licensors and are protected by intellectual property laws. Subject to these Terms, Olive grants you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for their intended purpose.”Open source citation
The clause grants a broad content license.
“The Services, including their software, design, branding, and Olive-provided content, are owned by Olive or its licensors and are protected by intellectual property laws. Subject to these Terms, Olive grants you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for their intended purpose.”Open source citation
Tier matrix
Plan-level conditions detected from citation-backed clauses. Empty tiers mean AIRIN has not captured decisive tier language yet.
| Tier | Surface | Verdict | Risk | Citations |
|---|---|---|---|---|
| All applicable tiers | audit rights dpa residency | worsens | HIGH | 2 |
| All applicable tiers | commercial use | worsens | HIGH | 2 |
| All applicable tiers | indemnity liability | conditional | MEDIUM | 2 |
| All applicable tiers | privacy data use | worsens | HIGH | 6 |
| All applicable tiers | subprocessors data sharing | worsens | HIGH | 5 |
| All applicable tiers | training use | worsens | HIGH | 1 |
| Free | indemnity liability | conditional | MEDIUM | 1 |
| Free | prompt ownership | conditional | MEDIUM | 2 |
| Team / Business | commercial use | conditional | MEDIUM | 1 |
| Team / Business | privacy data use | conditional | MEDIUM | 1 |
| Team / Business | subprocessors data sharing | conditional | MEDIUM | 2 |
Policy evolution
Open full timelineBefore/after stance changes across captured policy versions. When no material delta exists yet, AIRIN shows the latest citation-backed stance events instead.
data sharing improved from high/sale or sell to medium/third party or vendor sharing.
“We do not sell, rent, or share mobile phone numbers, SMS opt-in data, or messaging consent with third parties or affiliates for their own marketing or promotional purposes. We may share this information with service providers only as necessary to deliver messages and operate the messaging program. Your consent to receive marketing text messages is not a condition of purchase.”Before citation
“To the fullest extent permitted by law, Olive and its directors, officers, employees, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or goodwill, arising from or related to the Services.”After citation
data sharing worsened from medium/third party or vendor sharing to high/sale or sell.
“We may use such aggregated, de-identified, or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build, and improve the Services and promote our business, provided that we will not share such data in a manner that could identify you.”Before citation
“We do not sell, rent, or share mobile phone numbers, SMS opt-in data, or messaging consent with third parties or affiliates for their own marketing or promotional purposes. We may share this information with service providers only as necessary to deliver messages and operate the messaging program. Your consent to receive marketing text messages is not a condition of purchase.”After citation
data sharing improved from high/sale or sell to medium/third party or vendor sharing.
“If you are a resident of Nevada, you have the right to opt-out of the sale of certain personal data to third parties who intend to license or sell that personal data. You can exercise this right by contacting us at [email protected] with the subject line "Nevada Do Not Sell Request" and providing us with your name and the email address associated with your account.”Before citation
“We may use such aggregated, de-identified, or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build, and improve the Services and promote our business, provided that we will not share such data in a manner that could identify you.”After citation
Latest stance: third party or vendor sharing on subprocessors data sharing
“To the fullest extent permitted by law, Olive and its directors, officers, employees, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or goodwill, arising from or related to the Services.”Open timeline citation
Latest stance: broad license on privacy data use
“The Services, including their software, design, branding, and Olive-provided content, are owned by Olive or its licensors and are protected by intellectual property laws. Subject to these Terms, Olive grants you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for their intended purpose.”Open timeline citation
Latest stance: sublicensable or transferable on privacy data use
“The Services, including their software, design, branding, and Olive-provided content, are owned by Olive or its licensors and are protected by intellectual property laws. Subject to these Terms, Olive grants you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for their intended purpose.”Open timeline citation
Latest stance: broad license on prompt ownership
“You retain ownership of content you submit to the Services. You grant Olive a worldwide, non-exclusive, royalty-free license to host, process, reproduce, and display that content only as needed to operate, secure, and improve the Services.”Open timeline citation
Capture recency
- Terms of Service:Last captured 2026-08-18· verified 2026-08-18verified once — not yet re-verified
- Privacy Policy:Last captured 2026-08-17· verified 2026-08-17
Dates state when our pipeline captured and verified each document — not when the vendor last changed it. Documents are re-scanned on a recurring cadence; a document verified once says so until a re-scan confirms it again.
90 findings first captured First scan: July 2026.
Compare and stack are saved in your browser. Open compare · View your stack. A correction triggers an automated re-read of Olive's policies — no human edits the data.
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Every finding above is a verbatim quote from Olive's own published policy, captured to an immutable snapshot and read in full through a two-gate verification pipeline. Confidence labels and any analysis are AI-generated and informational only — not legal advice.
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