Last Updated: February 16, 2026
The website located at ovie.io (the "Site") is a copyrighted work belonging to Ovie ("Company", "us", "our", and "we"). Certain features of the Site may be subject to additional guidelines, terms, or rules, which will be posted on the Site in connection with such features. All such additional terms, guidelines, and rules are incorporated by reference into these Terms.
THESE TERMS OF USE (THESE "TERMS") SET FORTH THE LEGALLY BINDING TERMS AND CONDITIONS THAT GOVERN YOUR USE OF THE SITE. BY CLICKING ON THE "I ACCEPT" BUTTON, COMPLETING THE REGISTRATION PROCESS, BROWSING THE SITE, AND/OR BY ACCESSING OR USING THE SITE IN ANY WAY, YOU REPRESENT THAT (1) YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT), (2) YOU ARE OF LEGAL AGE TO FORM A BINDING CONTRACT WITH COMPANY, AND (3) YOU HAVE THE RIGHT, AUTHORITY, AND CAPACITY TO ENTER INTO THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT) AND BIND THAT ENTITY, IF APPLICABLE, TO THESE TERMS. YOU MAY NOT ACCESS OR USE THE SITE OR ACCEPT THE TERMS IF YOU ARE NOT AT LEAST 18 YEARS OLD. THE TERM "YOU" REFERS TO THE INDIVIDUAL OR LEGAL ENTITY, AS APPLICABLE, IDENTIFIED AS THE USER WHEN YOU REGISTERED ON THE SITE. IF YOU DO NOT AGREE WITH ALL OF THE PROVISIONS OF THESE TERMS, DO NOT ACCESS AND/OR USE THE SITE.
PLEASE BE AWARE THAT SECTION 2.8 (COMPANY COMMUNICATIONS) OF THIS AGREEMENT, BELOW, CONTAINS YOUR OPT-IN CONSENT TO RECEIVE COMMUNICATIONS FROM US, INCLUDING VIA E-MAIL, TEXT MESSAGE, CALLS AND PUSH NOTIFICATION.
In order to use certain features of the Site, you must register for an account ("Account") and provide certain information about yourself as prompted by the account registration form. You represent and warrant that all required registration information you submit is truthful, accurate, and complete, and that you will maintain and promptly update such information to keep it true, accurate, current, and complete.
You may delete your Account at any time. If you provide information that is untrue, inaccurate, not current, or incomplete, Company may suspend or terminate your Account.
You agree not to create an Account using a false identity or information or on behalf of someone else. You shall not have more than one Account per platform at any time.
You are responsible for maintaining the confidentiality of your Account login information and for all activities under your Account.
You acknowledge and agree that each Account is intended and licensed for use by one individual only. You may not share, disclose, or otherwise provide your Account credentials (including username, password, two-factor authentication codes, or any other login method) to any other person — including family members, household members, colleagues, or any third party — nor may you engage in any conduct that permits or results in concurrent, sequential, or any other form of multi-person access to your Account.
The Site does provide authorized features that allow the registered Account holder to share specific documents, policy summaries, or outputs generated within the Account with third parties. Any such sharing must be initiated solely through the Company's designated sharing tools and is performed entirely at the Account holder's direction and sole risk. Company assumes no responsibility and expressly disclaims all liability for the recipient's use, further disclosure, or redistribution of any shared materials.
Violation of this single-user policy, including but not limited to password sharing or unauthorized multi-person access, may result in immediate suspension or permanent termination of your Account, without notice or refund, at Company's sole discretion.
The Site, the Services, and the information and content available on the Site and in the Services (as these terms are defined herein) (each, a "Company Property" and collectively, the "Company Properties") are protected by copyright laws throughout the world.
Subject to these Terms, Company grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Site solely for your own personal, non-commercial use.
The rights granted to you in these Terms are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, reproduce, distribute, host, or otherwise commercially exploit the Company Properties, whether in whole or in part, including the Site; (b) you shall not frame or utilize framing techniques to enclose any trademark, logo, or other Company Properties (including images, text, page layout or form) of Company; (c) you shall not use any metatags or other "hidden text" using Company's name or trademarks; (d) you shall not modify, adapt, translate, merge, make derivative works of, disassemble, decompile, reverse compile or reverse engineer any part of the Company Properties, except to the extent the foregoing restrictions are expressly prohibited by applicable law; (e) you shall not use any manual or automated software, devices or other processes (including but not limited to spiders, robots, scrapers, crawlers, avatars, data mining tools or the like) to "scrape" or download data from any web pages contained in the Site (except that we grant the operators of public search engines revocable permission to use spiders to copy materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials) (f) you shall not access the Company Properties in order to build a similar or competitive website, product, or service; and (g) except as expressly stated herein, no part of the Company Properties may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means; and (h) you shall not remove or destroy any copyright notices or other proprietary markings contained on or in Company Properties. Unless otherwise indicated, any future release, update, or other addition to functionality of the Site shall be subject to these Terms. All copyright and other proprietary notices on the Site (or on any content displayed on the Site) must be retained on all copies thereof. Any unauthorized use of any Company Property terminates the licenses granted by Company pursuant to the Terms.
Company reserves the right, at any time, to modify, suspend, or discontinue the Company Properties (in whole or in part) with or without notice to you. You agree that Company will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Site or Services, or any part thereof. You acknowledge that Company may update Company Properties with or without notifying you. You may need to update third-party software from time to time in order to use Company Properties.
You acknowledge and agree that Company will have no obligation to provide you with any support or maintenance in connection with the Site.
Excluding any User Content that you may provide (defined below), you acknowledge that Company and its suppliers own all rights, title and interest in Company Properties and all the intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Company Properties. Neither these Terms (nor your access to the Company Properties) transfers to you or any third party any rights, title or interest in or to the Company Properties or such intellectual property rights, except for the limited access rights expressly set forth in Section 2.1. Company and its suppliers reserve all rights not granted in these Terms. There are no implied licenses granted under these Terms. Other trademarks, service marks and trade names that may appear on or in Company Properties are the property of their respective owners.
The information we provide is not intended to take the place of professional advice from a licensed insurance producer. We recommend that all consumers consult with a licensed insurance producer before purchasing any insurance policy. We do not provide tax, legal, or financial advice.
Ovie provides a digital platform only. All guidance, summaries, explanations, illustrations, and insurance-related information presented through the Site are educational and illustrative. Ovie does not provide insurance, legal, tax, financial, or regulatory-compliance advice. Users are solely responsible for verifying the accuracy of their information, determining regulatory obligations, and confirming that their insurance coverage is adequate, compliant, and appropriate for their needs. Ovie does not guarantee the applicability, sufficiency, accuracy, or completeness of any results generated through the Site.
By entering into these Terms or using the Company Properties, you agree to receive communications from Ovie and, where applicable, its affiliated providers. Communications may be delivered via email, SMS (text messages), phone calls (including prerecorded messages generated by automated dialling systems), and push notifications.
These communications may include account-related and operational messages, security alerts, updates about new or existing features, product announcements, promotional communications from Ovie or its third-party partners, and company or industry news.
Ovie will send emails to the address you provide when creating your account. These may include mandatory account notifications, security alerts, and important service-related information.
Enrollment in additional email subscriptions does not affect the frequency of these required communications. IF YOU WISH TO OPT OUT OF PROMOTIONAL EMAILS, YOU CAN UNSUBSCRIBE FROM OUR PROMOTIONAL EMAIL LIST BY FOLLOWING THE UNSUBSCRIBE OPTIONS IN THE PROMOTIONAL EMAIL ITSELF or by managing your notification preferences in your account. No fees are charged by Ovie for emails; however, standard data or internet charges from your service provider may apply.
If you choose to receive SMS messages, standard messaging and data rates from your mobile carrier may apply. Message frequency varies based on your interaction with the platform. You may cancel SMS communications at any time by emailing hello@myovie.io. If you have questions about your text or data plan, please contact your wireless provider. Mobile carriers are not responsible for delayed or undelivered messages. We may change the short code or phone number used for SMS services at any time, and messages sent to outdated numbers may not be received.
Disabling certain communication settings may limit your ability to receive important updates or access specific features. An active Ovie account is required to use most services. If you are located in the United States, SMS communications are governed by the Ovie SMS Terms.
We do not sell or share your mobile number or SMS opt-in data with third parties for marketing or promotional purposes. We may share your personal data with service providers who help deliver SMS messages.
For information on how we handle personal data, please review our Privacy Policy or contact us at hello@myovie.io.
By providing your mobile number and consenting to receive text messages from Ovie via AWS SNS ("Opt In"), you agree to these SMS Terms, understand that we will handle your personal information as described in the Ovie Privacy Policy, and acknowledge that disputes will be resolved according to our Terms of Service. Message frequency may vary, and you can also opt in and opt out by contacting us via email or replying STOP to any message:
By Opting In:
Opting Out:
You may withdraw your consent at any time by:
Delivery and Liability:
Ovie uses AWS Simple Notification Service (SNS) to send SMS messages. We will use commercially reasonable efforts to deliver automated messages to the mobile number you provide. Ovie and wireless carriers are not responsible for delayed or undelivered messages.
Eligibility:
You confirm that you are the current subscriber or authorized user of the mobile number you provide and have permission to Opt In.
"User Content" means any and all information and content that a user submits to, or uses with, the Site (e.g., content in the user's profile or postings). You are solely responsible for your User Content. You assume all risks associated with use of your User Content, including any reliance on its accuracy, completeness or usefulness by others, or any disclosure of your User Content that personally identifies you or any third party. You hereby represent and warrant that your User Content does not violate our Acceptable Use Policy (defined in Section 4.3). You may not represent or imply to others that your User Content is in any way provided, sponsored or endorsed by Company. Because you alone are responsible for your User Content, you may expose yourself to liability if, for example, your User Content violates the Acceptable Use Policy. Company is not obligated to backup any User Content, and your User Content may be deleted at any time without prior notice. You are solely responsible for creating and maintaining your own backup copies of your User Content if you desire.
You hereby grant (and you represent and warrant that you have the right to grant) to Company an irrevocable, nonexclusive, royalty-free and fully paid, worldwide license to reproduce, distribute, publicly display and perform, prepare derivative works of, incorporate into other works, and otherwise use and exploit your User Content, and to grant sublicenses of the foregoing rights, solely for the purposes of including your User Content in the Site. You hereby irrevocably waive (and agree to cause to be waived) any claims and assertions of moral rights or attribution with respect to your User Content.
The following terms constitute our "Acceptable Use Policy":
You agree not to use the Site to collect, upload, transmit, display, or distribute any User Content (i) that violates any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; (ii) that is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another's privacy, vulgar, defamatory, false, intentionally misleading, trade libelous, pornographic, obscene, patently offensive, promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual or is otherwise objectionable; (iii) that is harmful to minors in any way; or (iv) that is in violation of any law, regulation, or obligations or restrictions imposed by any third party.
In addition, you agree not to: (i) upload, transmit, or distribute to or through the Site any computer viruses, worms, or any software intended to damage or alter a computer system or data; (ii) send through the Site unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages, whether commercial or otherwise; (iii) use the Site to harvest, collect, gather or assemble information or data regarding other users, including e-mail addresses, without their consent; (iv) interfere with, disrupt, or create an undue burden on servers or networks connected to the Site, or violate the regulations, policies or procedures of such networks; (v) attempt to gain unauthorized access to the Site (or to other computer systems or networks connected to or used together with the Site), whether through password mining or any other means; (vi) harass or interfere with any other user's use and enjoyment of the Site; or (vi) use software or automated agents or scripts to produce multiple accounts on the Site, or to generate automated searches, requests, or queries to (or to strip, scrape, or mine data from) the Site (provided, however, that we conditionally grant to the operators of public search engines revocable permission to use spiders to copy materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials, subject to the parameters set forth in our robots.txt file).
We reserve the right (but have no obligation) to review any User Content, and to investigate and/or take appropriate action against you in our sole discretion if you violate the Acceptable Use Policy or any other provision of these Terms, including suspicious Account activity, or otherwise create liability for us or any other person. Such action may include removing or modifying your User Content, terminating your Account in accordance with Section 9, and/or reporting you to law enforcement authorities.
If you provide Company with any feedback or suggestions regarding the Site ("Feedback"), you hereby grant to Company a fully paid, royalty-free, perpetual, irrevocable, worldwide, non-exclusive, and fully sublicensable right and license to use, reproduce, perform, display, distribute, adapt, modify, re-format, create derivative works of, and otherwise commercially or non-commercially exploit in any manner, any and all Feedback, and to sublicense the foregoing rights, in connection with the operation and maintenance of Company Properties and/or Company's business. Company will treat any Feedback you provide to Company as non-confidential and non-proprietary. You agree that you will not submit to Company any information or ideas that you consider to be confidential or proprietary.
You agree to indemnify and hold the Company Parties harmless, including costs and attorneys' fees, from any claim or demand made by any third party due to or arising out of (a) your use of, or inability to use, any Company Property, (b) your violation of these Terms, (c) your violation of applicable laws or regulations or (d) your User Content. Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of Company. Company will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it. This provision does not require you to indemnify Company Parties any unconscionable commercial practice by such party or for such party's fraud, deception, false promise, misrepresentation or concealment, or suppression or omission of any material fact in connection with the Site or any Services provided hereunder. You agree that the provisions in this section will survive any termination of your Account, the Agreement and/or your access to Company Properties.
THE SITE IS PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS. COMPANY DISCLAIMS ALL WARRANTIES.
Users bear all risk associated with the use of the Site, including outcomes resulting from incomplete, inaccurate, or outdated information they submit. Company does not verify user inputs, confirm compliance with state or regulatory requirements, or assess the adequacy or appropriateness of insurance coverage.
All summaries, policy insights, comparisons, illustrations, or outputs provided through the Site are informational only and do not constitute legal, insurance, financial, or professional advice. Company is not a licensed insurance producer, does not adjust claims, and does not guarantee or validate coverage determinations or outcomes. Any reliance on the Site's outputs is at the user's own risk.
To the maximum extent permitted by law, Company is not liable for lost profits, lost data, or any indirect, consequential, special, or punitive damages.
Company is not responsible for user reliance on the Site's outputs, for regulatory or legal compliance failures, or for outcomes stemming from interpretation or application of information provided. Company expressly disclaims liability for any damages associated with regulatory non-compliance, inadequate coverage, third-party disputes, or user assumptions based on the Site's informational content.
Subject to this Section, these Terms will remain in full force and effect while you use the Company Properties. We may suspend or terminate your rights to use the Company Properties (including your Account) at any time for any reason at our sole discretion, including for any use of the Company Properties in violation of these Terms. Upon termination of your rights under these Terms, your Account and right to access and use the Company Properties will terminate immediately. You understand that any termination of your Account may involve deletion of your User Content associated with your Account from our live databases. Company will not have any liability whatsoever to you for any termination of your rights under these Terms, including for termination of your Account or deletion of your User Content. All provisions of the Agreement which by their nature should survive, shall survive termination of Services, including without limitation, ownership provisions, warranty disclaimers, and limitation of liability.
If your registration(s) with, or ability to access, Company Properties or any other Company community, is discontinued by Company due to your violation of any portion of the Agreement or for conduct otherwise inappropriate for the community, then you agree that you shall not attempt to re-register with or access Company Properties or any Company community through use of a different member name or otherwise, and you acknowledge that you will not be entitled to receive a refund for fees related to those Company Properties to which your access has been terminated. In the event that you violate the immediately preceding sentence, Company reserves the right, in its sole discretion, to immediately take any or all of the actions set forth herein without any notice or warning to you.
PLEASE NOTE THAT THE TERMS ARE SUBJECT TO CHANGE BY COMPANY IN ITS SOLE DISCRETION AT ANY TIME. When changes are made, Company will make a new copy of the Terms of Use Agreement available at the Site. We will also update the "Last Updated" date at the top of the Terms of Use Agreement. If we make any substantial changes and you have registered with us to create an Account, we will also notify you by sending you an e-mail to the last e-mail address you provided to us (if any), and/or by prominently posting notice of the changes on our Site. You are responsible for providing us with your most current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. Any changes to these Terms will be effective upon the earlier of thirty (30) calendar days following our dispatch of an e-mail notice to you (if applicable) or thirty (30) calendar days following our posting of notice of the changes on our Site. These changes will be effective immediately for new users of our Site. Continued use of our Site following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.
The Agreement, and your rights and obligations hereunder, may not be assigned, subcontracted, delegated or otherwise transferred by you without Company's prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void.
You and Company agree that all claims and disputes arising out of or relating to these Terms will be litigated exclusively in the state or federal courts located in the State of New York.
THE TERMS AND ANY ACTION RELATED THERETO WILL BE GOVERNED AND INTERPRETED BY AND UNDER THE LAWS OF THE STATE OF NEW YORK, CONSISTENT WITH THE FEDERAL ARBITRATION ACT, WITHOUT GIVING EFFECT TO ANY PRINCIPLES THAT PROVIDE FOR THE APPLICATION OF THE LAW OF ANOTHER JURISDICTION. THE UNITED NATIONS CONVENTION ON CONTRACTS FOR THE INTERNATIONAL SALE OF GOODS DOES NOT APPLY TO THE AGREEMENT.
Where Company requires that you provide an e-mail address, you are responsible for providing Company with your most current e-mail address. In the event that the last e-mail address you provided to Company is not valid, or for any reason is not capable of delivering to you any notices required/ permitted by the Terms, Company's dispatch of the e-mail containing such notice will nonetheless constitute effective notice. You may give notice to Company at the following address: hello@myovie.io. Such notice shall be deemed given when received by Company by letter delivered by nationally recognized overnight delivery service or first-class postage prepaid mail at the above address.
Company will comply with valid legal process (e.g., subpoenas, warrants, court orders) to the extent required by law, but only to the minimum extent necessary to satisfy such requirements. We will notify affected Account holder of any such request within 10 business days (or as soon as legally permissible) unless prohibited by law, providing details of the request and an opportunity to object. To minimize disruption, Company will challenge overbroad or improper requests where feasible, consult with legal counsel, and produce only non-confidential data unless compelled. Users agree to cooperate in any such challenges. Company maintains no liability for disclosures made in good faith compliance with legal obligations.
The Site may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, reexport, or transfer, directly or indirectly, any U.S. technical data acquired from Company, or any products utilizing such data, in violation of the United States export laws or regulations.
Company is located at the address in Section 8.14. If you are a California resident, in accordance with California Civil Code §1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs by contacting them in writing at at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.
Company shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including, but not limited to, acts of God, war, terrorism, riots, embargos, acts of civil or military authorities, fire, floods, accidents, strikes or shortages of transportation facilities, fuel, energy, labor or materials.
If you have any questions, complaints or claims with respect to Company Properties, please contact us at: hello@myovie.io. We will do our best to address your concerns. If you feel that your concerns have been addressed incompletely, we invite you to let us know for further investigation.
The communications between you and Company use electronic means, whether you use the Site or send us emails, or whether Company posts notices on the Site or communicates with you via email. For contractual purposes, you (a) consent to receive communications from Company in an electronic form; and (b) agree that all terms and conditions, agreements, notices, disclosures, and other communications that Company provides to you electronically satisfy any legal requirement that such communications would satisfy if it were be in a hardcopy writing. The foregoing does not affect your statutory rights, including but not limited to the Electronic Signatures in Global and National Commerce Act at 15 U.S.C. §7001 et seq. ("E-Sign").
By providing your phone number to us, you consent to receive calls or text messages at any such phone number sent by us or on our behalf. You agree that texts, calls or prerecorded messages may be generated by automatic telephone dialing systems. Standard text messaging charges applied by your cell phone carrier will apply to text messages that we send. If you wish to opt out of promotional calls or texts, you may respond to any promotional text received on your mobile device with the word "STOP" to opt out of promotional texts. Following such opt-out, you may continue to receive calls or messages for a short period of time while Ovie processes your request. You acknowledge that you are not required to consent to receive promotional texts or calls as a condition of using the Services. However, you acknowledge that opting out of receiving all calls or texts may impact your use of the Services.
These Terms constitute the entire agreement between you and us regarding the use of the Site. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. The section titles in these Terms are for convenience only and have no legal or contractual effect. The word "including" means "including without limitation". If any provision of these Terms is, for any reason, held to be invalid or unenforceable, the other provisions of these Terms will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law. Your relationship to Company is that of an independent contractor, and neither party is an agent or partner of the other. These Terms, and your rights and obligations herein, may not be assigned, subcontracted, delegated, or otherwise transferred by you without Company's prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void. Company may freely assign these Terms. The terms and conditions set forth in these Terms shall be binding upon assignees.
Copyright © 2026 Ovie All rights reserved. All trademarks, logos and service marks ("Marks") displayed on the Site are our property or the property of other third parties. You are not permitted to use these Marks without our prior written consent or the consent of such third party which may own the Marks.
Address: 111 E. Merrill St. Suite 200, Birmingham, MI 48009
Office Telephone: (505) 555-0125
Email: For customer service inquiries, the best way to reach out is hello@myovie.io