Privacy Policy

Website Terms and Conditions | Effective Date: February 1, 2026

Important: These Terms are designed to define Oloa’s website role, limit reliance on website content, allocate risk, and set the ground rules for disputes, use restrictions, and online interactions.

This document applies to Oloa Solutions and is intended to work together with the other footer-linked legal documents on the website. In the event of a conflict between a general website summary and a product-specific governing document, the product-specific governing document controls unless applicable law requires otherwise.

1. Acceptance of Terms

These Terms of Use govern your access to and use of the websites, quote and intake forms, portals, content, communications, tools, and other online services that link to or reference these Terms (collectively, the "Services") and are operated by Oloa Solutions ("Oloa," "we," "us," or "our"). By accessing, browsing, submitting information through, or using the Services, you agree to be bound by these Terms and by any additional notices, policies, or disclosures presented in connection with specific Services. If you do not agree, you must not use the Services.

2. Eligibility and Authority

You represent and warrant that you are at least eighteen (18) years old, have the legal capacity to enter into a binding agreement, and are using the Services for lawful purposes. If you use the Services on behalf of an entity, employer, association, or another person, you represent and warrant that you have authority to bind that party and to provide any information submitted through the Services.

3. Platform Role and Scope of Services

Oloa operates as a platform, distributor, facilitator, and marketing or service interface for insurance and non-insurance products, programs, offerings, and related workflows. Oloa is not the insurer, underwriter, claims administrator, claims payer, healthcare provider, hospital, physician, fiduciary, guarantor, or sponsor of any third-party offering unless Oloa expressly states otherwise in a separate written agreement signed by an authorized officer of Oloa.

Oloa may provide access to information, referral paths, introductions, quote requests, enrollment or application support, communication tools, educational materials, platform features, or other convenience services. Oloa does not assume responsibility for decisions made by carriers, administrators, providers, networks, vendors, employers, associations, or other third parties.

4. No Medical, Legal, Financial, Tax, or Insurance Advice

The Services and all content made available through the Services are provided for general informational and operational purposes only. Nothing on the Services constitutes medical advice, legal advice, tax advice, financial advice, benefits counseling, or individualized insurance advice. You are solely responsible for obtaining advice from your own qualified advisers and for evaluating whether any product, program, or service is appropriate for your circumstances.

5. No Guarantee; No Reliance

Oloa does not guarantee eligibility, availability, underwriting results, enrollment, issuance, approval, acceptance, pricing, provider access, reimbursement, payment, savings, tax treatment, benefits, claim outcomes, continuity of coverage, network participation, or any medical or financial result. Any examples, summaries, illustrations, comparisons, testimonials, or projections are for general informational purposes only and may not reflect current terms or your actual experience.

You acknowledge and agree that you are not relying on Oloa, the Services, or any content on the Services as the sole basis for any purchase, enrollment, application, healthcare, benefits, business, legal, tax, or financial decision.

6. Insurance and Non-Insurance Offerings

Insurance products are governed exclusively by the policy, certificate, application, rider, endorsement, carrier rules, regulatory filings, and other controlling documents issued or approved by the applicable licensed carrier or administrator. Non-insurance offerings are not insurance and are not subject to the same legal and regulatory framework as insurance unless expressly stated. The controlling documents for any specific offering supersede any general website content, marketing summary, FAQ, brochure, or oral statement.

Nothing on the Services creates an insurance contract, modifies a policy or certificate, waives carrier rights, creates a provider-patient relationship, or guarantees payment or reimbursement of any claim, expense, or medical cost.

7. Accounts, Credentials, and Submitted Information

You are responsible for maintaining the confidentiality of any credentials used to access the Services and for all activities that occur under your account or through your device. You agree to provide information that is true, accurate, current, complete, and not misleading, and to promptly update information when needed.

You may not submit information you do not have the lawful right to provide. Oloa may rely on information submitted through the Services without independently verifying it, and Oloa is not responsible for loss, denial, delay, error, or adverse consequences resulting from inaccurate, incomplete, untimely, unauthorized, or misleading information.

8. Consent to Electronic Communications

By using the Services or providing contact information, you consent to receive communications from Oloa and, where applicable, from Oloa’s partners, carriers, producers, administrators, service providers, or vendors regarding your requests, transactions, account activity, support needs, product updates, compliance matters, and other operational or marketing communications to the extent permitted by law. Communications may be delivered by email, phone call, voicemail, SMS or text message, automated or prerecorded technology where lawful, portal notification, or other reasonable means.

Your consent to receive texts or calls is not a condition of purchase unless expressly stated. Message and data rates may apply. You remain responsible for notifying Oloa if your contact information changes.

9. Third-Party Sites, Providers, and Content

The Services may link to or integrate with third-party websites, quote engines, forms, portals, carrier sites, payment processors, social media platforms, analytics services, and other services or content not controlled by Oloa. Oloa does not monitor every such third party, and does not endorse, adopt, guarantee, or assume responsibility for the accuracy, legality, availability, security, content, performance, or practices of any third party.

All transactions, enrollment decisions, claims handling, billing matters, provider participation, network status, medical determinations, and contractual obligations relating to a third-party offering are between you and the applicable third party.

10. Intellectual Property and License Restrictions

The Services and all related content, design, layout, code, text, graphics, logos, compilations, audiovisual works, documents, and other materials are owned by Oloa, its affiliates, or its licensors and are protected by copyright, trademark, trade secret, and other applicable laws. Subject to your compliance with these Terms, Oloa grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for internal, lawful, personal or business evaluation purposes connected to the Services.

You may not copy, scrape, harvest, frame, mirror, republish, distribute, modify, reverse engineer, decompile, create derivative works from, resell, or exploit the Services or their content except as expressly permitted in writing by Oloa.

11. Prohibited Conduct

You may not use the Services in any manner that is unlawful, fraudulent, abusive, misleading, defamatory, infringing, invasive of privacy, harmful to minors, or designed to interfere with the operation or security of the Services.

You may not impersonate another person or misrepresent your identity, affiliation, authority, eligibility, or intent.
You may not upload malware, use bots or scraping tools without authorization, attempt to bypass security controls, probe vulnerabilities, overload systems, or interfere with any user’s access or experience.
You may not use the Services to violate insurance laws, privacy laws, advertising rules, anti-spam rules, telemarketing rules, intellectual property laws, or any contractual restrictions.
You may not collect or use information from the Services for competitive intelligence, model training, database building, resale, or mass solicitation without Oloa’s prior written consent.

12. User Materials and Feedback

To the extent you submit content, documents, data, comments, suggestions, feedback, ideas, or other materials to Oloa through or relating to the Services, you represent and warrant that you have the right to provide them and that they do not violate law or third-party rights. You grant Oloa a non-exclusive, worldwide, royalty-free license to use, host, copy, store, transmit, process, and disclose such materials as reasonably necessary to operate the Services, respond to your request, comply with law, protect rights, and improve products and operations.

Oloa is not obligated to treat unsolicited feedback or ideas as confidential and may use them without restriction or compensation, subject to applicable law and Oloa’s Privacy Policy.

13. Monitoring, Suspension, and Termination

Oloa may, at any time and without liability, monitor use of the Services, investigate suspected misconduct, remove content, reject submissions, disable features, suspend access, or terminate access, in whole or in part, with or without notice, for any reason or no reason, including suspected fraud, misuse, legal risk, security concerns, operational needs, or breach of these Terms.

Termination or suspension does not limit any other right or remedy available to Oloa.

14. Privacy

Your use of the Services is also subject to Oloa’s Privacy Policy. By using the Services, you acknowledge that Oloa may collect, use, process, and disclose information as described in the Privacy Policy and in any additional notices provided in connection with specific workflows.

15. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND ALL CONTENT ARE PROVIDED ON AN "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" BASIS. OLOA DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, AVAILABILITY, SECURITY, AND SYSTEM INTEGRATION. OLOA DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, TIMELY, COMPLETE, OR FREE OF HARMFUL COMPONENTS.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OLOA AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, LICENSORS, SERVICE PROVIDERS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, PUNITIVE, OR ENHANCED DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITY, HEALTH OUTCOME, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OLOA’S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (US $100) OR THE AMOUNT, IF ANY, PAID BY YOU DIRECTLY TO OLOA FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

17. Indemnification

You agree to defend, indemnify, and hold harmless Oloa and its affiliates, officers, directors, employees, contractors, licensors, service providers, successors, and assigns from and against any claims, demands, actions, proceedings, investigations, liabilities, losses, damages, judgments, settlements, fines, penalties, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to: (a) your use of or access to the Services; (b) your violation of these Terms; (c) your violation of law or third-party rights; (d) information or materials you submit; or (e) your relationship, transaction, dispute, or communication with any carrier, provider, administrator, vendor, employer, association, or other third party.

18. Dispute Resolution; Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. EXCEPT TO THE EXTENT PROHIBITED BY APPLICABLE LAW, ANY CLAIM, DISPUTE, OR CONTROVERSY ARISING OUT OF OR RELATING TO THE SERVICES, THESE TERMS, OR THE RELATIONSHIP BETWEEN YOU AND OLOA SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION ON AN INDIVIDUAL BASIS.

The arbitration shall be administered by the American Arbitration Association (AAA) under its applicable Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable, in effect at the time the claim is filed, except as modified by these Terms. The arbitration shall be conducted in Gwinnett County, Georgia, unless the parties agree otherwise or applicable law requires a different forum. Judgment on the award may be entered in any court of competent jurisdiction.

YOU AND OLOA WAIVE ANY RIGHT TO A JURY TRIAL AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, MASS ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING, TO THE MAXIMUM EXTENT PERMITTED BY LAW. If any portion of this class or representative action waiver is found unenforceable for a particular claim, then that claim shall proceed in a court of competent jurisdiction in Gwinnett County, Georgia, and the remaining portions of this section shall remain in effect.

Either party may seek temporary, preliminary, or injunctive relief in a court of competent jurisdiction to protect intellectual property, confidential information, trade secrets, or other rights pending completion of arbitration. Either party may also bring an individual claim in small claims court if the claim qualifies.

19. Governing Law

These Terms and any dispute arising out of or relating to the Services or these Terms are governed by the laws of the State of Georgia, without regard to conflict-of-laws principles, except to the extent preempted or overridden by applicable federal law or other non-waivable law.

20. Force Majeure

Oloa shall not be liable for delay, interruption, failure, or inability to perform resulting from events beyond its reasonable control, including acts of God, natural disasters, public health events, labor disputes, telecommunications failures, cyber incidents, platform outages, supply shortages, war, terrorism, civil unrest, governmental action, utility failures, and failures or delays of third-party systems or services.

21. Assignment

You may not assign, delegate, or transfer these Terms or any rights or obligations under them without Oloa’s prior written consent. Oloa may assign, delegate, or transfer these Terms or any rights or obligations under them, in whole or in part, without restriction, including in connection with a merger, financing, restructuring, or sale of assets.

22. Severability; Waiver; Entire Agreement; Survival

If any provision of these Terms is found invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect to the fullest extent permitted by law. No waiver by Oloa of any provision shall be deemed a further or continuing waiver of that or any other provision. These Terms, together with the Privacy Policy and any additional notices or disclosures expressly incorporated by reference, constitute the entire agreement between you and Oloa regarding the Services and supersede prior or contemporaneous understandings relating to the Services.

Any provisions that by their nature should survive termination or expiration shall survive, including provisions relating to ownership, disclaimers, limitations of liability, indemnification, dispute resolution, governing law, assignment, severability, and interpretation.

23. Contact Information

If you have questions regarding these Terms, you may contact:

Oloa Solutions at info@oloasolutions.com or by mail at 3675 Crestwood Parkway, Suite 483, Duluth, Georgia 30096.