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Terms & Condition

Effective Date: 15th March 2026

These Terms of Service (“Terms”) govern your access to and use of the services provided by Owliver AI Labs Private Limited, a company incorporated under the laws of India, with its registered office at [Insert Address] (“Owliver”, “Company”, “we”, “us”, or “our”).

These Terms apply to the website located at [www.owliver.ai] and any related platforms, applications, tools, and services provided by Owliver (collectively, the “Service”).

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.

1. Description of the Service

Owliver provides an AI-powered learning and knowledge assistance platform designed to help users access explanations, insights, and educational resources across a range of subjects.

The Service may include:

  • AI-generated responses

  • educational explanations and summaries

  • exam preparation assistance

  • curated learning resources

  • user-submitted queries and interactions

  • interactive learning tools

The Service is intended for informational and educational purposes only.

2. Eligibility

The Service may be used by:

  • students

  • professionals

  • educators

  • independent learners

Users under the age of 18 years should use the Service under the supervision of a parent, guardian, or educational institution.

By using the Service, you represent that you have the legal capacity to enter into these Terms.

3. User Accounts

Certain features of the Service may require account registration.

When creating an account, you agree to:

  • provide accurate and complete information

  • maintain the confidentiality of your login credentials

  • notify us promptly if you suspect unauthorized use of your account

You are responsible for all activities conducted through your account.

Owliver is not liable for losses resulting from unauthorized use of your account due to failure to maintain account security.

4. Acceptable Use of the Service

You agree not to use the Service to:

  • violate any applicable law or regulation

  • upload unlawful, abusive, defamatory, or harmful content

  • attempt to interfere with the operation of the Service

  • attempt to gain unauthorized access to systems or data

  • scrape, crawl, or harvest information from the platform

  • use automated systems or bots to extract data or responses

  • reverse engineer or attempt to derive the source code of the platform

  • use the Service to build competing products or AI systems

We reserve the right to suspend or terminate accounts that violate these Terms.

5. AI-Generated Content Disclaimer

The Service may generate responses using artificial intelligence technologies.

AI-generated content:

  • may not always be accurate or complete

  • may contain errors or outdated information

  • should not be considered professional, financial, legal, or academic advice

Users are responsible for independently verifying information obtained through the Service.

Owliver does not guarantee the accuracy, reliability, or completeness of AI-generated responses.

6. Academic Integrity

Users are responsible for ensuring that their use of the Service complies with the academic policies of their institution or examination authority.

Owliver does not encourage or support:

  • academic dishonesty

  • plagiarism

  • misuse of AI tools in violation of examination rules

Users assume full responsibility for how they use the information generated by the Service.

7. Intellectual Property

All intellectual property rights in the Service, including but not limited to:

  • software

  • platform architecture

  • system design

  • proprietary algorithms

  • trademarks

  • branding

  • visual design

  • documentation

are owned by or licensed to Owliver AI Labs Private Limited.

Users are granted a limited, non-exclusive, non-transferable license to use the Service for personal, educational, or professional purposes.

Users may not reproduce, distribute, modify, or create derivative works from the Service without prior written permission from Owliver.

8. User Content

Users may submit content through the Service, including:

  • questions

  • prompts

  • uploaded materials

  • feedback or suggestions

You retain ownership of the content you submit.

However, by submitting content through the Service, you grant Owliver a non-exclusive, worldwide, royalty-free license to:

  • store

  • process

  • analyze

  • display

such content solely for the purposes of:

  • providing the Service

  • improving system functionality

  • maintaining security and integrity of the platform

Where feasible, such content may be anonymized or aggregated before being used for system improvement.

Users should avoid submitting sensitive personal information.

9. CFA Institute Content and Trademark Notice

Certain explanations, discussions, or references available through the Service may relate to topics covered in the Chartered Financial Analyst® (CFA®) Program.

The CFA® Program curriculum, Learning Outcome Statements, examination materials, trademarks, and related content are the exclusive intellectual property of CFA Institute.

Owliver does not claim ownership of any CFA Institute content and does not represent that it is licensed, endorsed, sponsored, or approved by CFA Institute.

Any references to CFA-related topics or concepts on the Service are provided solely for independent educational explanation, commentary, or discussion purposes.

Owliver does not reproduce official CFA Institute curriculum materials or examination content except where such use may be permitted under applicable law, including principles of fair use or fair dealing, where relevant.

All rights, titles, and interests in CFA-related materials remain exclusively with CFA Institute.

Users seeking official CFA Program curriculum or study materials should refer directly to CFA Institute’s official publications and resources.

CFA®, Chartered Financial Analyst®, and CFA Institute® are trademarks owned by CFA Institute.

10. Third-Party Content

The Service may contain references or links to third-party websites, resources, or services.

Owliver does not control and is not responsible for the accuracy, availability, or privacy practices of such third-party services.

11. Anti-Scraping and Platform Protection

Users may not use automated tools, bots, crawlers, scraping technologies, or similar mechanisms to extract data, responses, or content from the Service.

Users may not use content or outputs from the Service for the purpose of:

  • training competing artificial intelligence models

  • building competing databases or knowledge systems

  • reproducing large portions of the Service’s outputs

Unauthorized extraction or reproduction of content may result in suspension of access and legal action.

12. Limitation of Liability

To the maximum extent permitted by law, Owliver shall not be liable for any:

  • indirect

  • incidental

  • consequential

  • special

  • punitive damages

arising out of or relating to the use of the Service.

This includes damages arising from:

  • reliance on AI-generated responses

  • inaccuracies in content

  • interruption of the Service

  • loss of data

  • misuse of information obtained through the Service

The Service is provided “as is” and “as available.”

13. Indemnification

You agree to indemnify and hold harmless Owliver AI Labs Private Limited, its directors, employees, and affiliates from any claims, liabilities, damages, losses, or expenses arising from:

  • your use of the Service

  • your violation of these Terms

  • your misuse of information provided through the Service

14. Termination

Owliver reserves the right to suspend or terminate user access to the Service at any time if:

  • these Terms are violated

  • misuse of the platform is detected

  • continued access poses a risk to the platform or other users

15. Modifications to the Service

Owliver may modify, suspend, or discontinue any part of the Service at any time without prior notice.

16. Changes to These Terms

We may update these Terms periodically.

When we do, the Effective Date at the top of this document will be updated.

Continued use of the Service following any changes constitutes acceptance of the revised Terms.

17. Governing Law and Jurisdiction

These Terms are governed by the laws of India.

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts located in New Delhi, India.

18. Contact Information

If you have questions regarding these Terms, please contact:

Owliver AI Labs Private Limited

Address: Brigade Cosmopolis, Whitefield, Bangalore, Karnataka, 560066

Email: connect@owliver.ai