Terms of Service

Last updated November 3, 2026

1. Who we are

Olive Leaf is run by 5 Loaves Digital ("we", "us"). These terms are an agreement between us and the church that sets up Olive Leaf ("your church"), and everyone who signs in, joins the Market, or uses one of its pages. By creating an account or using Olive Leaf, you agree to them.

2. What Olive Leaf does

Olive Leaf gives a congregation a private app: a church directory, calendar, announcements, meal and event sign-ups, RSVPs, readings, documents, polls, wedding pages, online giving and similar tools, along with a public page for visitors. It runs in a web browser on phones, tablets and computers.

It also has the Market, where people buy and sell, offer places to stay and to rent, and post jobs and services (see section 8). The Market is part of the app, and has its own address too, at oliveleaf.app/market/.

3. Accounts

• Each person signs in with their own email address and password. Don't share your sign-in, and let your church's admin (or us) know if you think someone else has used it.
• You need to be at least 13 years old to sign up for an account. A parent may give a younger child a sign-in of their own, as described below. Parents and church admins may list children in a household in the directory, whether or not those children sign in.
• Sign-ins for youth. A son or daughter doesn't sign up on their own. Once a family is in the directory, a parent can give a child on their household's list their own sign-in. That sign-in belongs to the household; it can't be used to invite anyone else, and it can't be made an admin. Olive Leaf doesn't check anyone's age. Whether a child has a sign-in, at any age, is the parent's decision: by giving one, the parent consents to it, including for a child under 13, and is responsible for how it is used. If a parent changes their mind, the church's admins can take the sign-in away, or the parent can ask us to.
• The Market is for grown-ups. In a church, the adults on a household can post, buy, book and open a store there, and a child with their own sign-in can't. Anyone else who joins the Market must be 18 or older (see section 8).
• You're responsible for what happens under your account.

4. Your church and its admins

The person who creates a church on Olive Leaf becomes its first admin. Admins decide who joins, what role each person has, and what goes in the directory. Once a family is in, its parents can give the other adult in the household, and their children (see section 3), their own sign-ins. By adding someone's details, admins confirm that the church is allowed to share those details with its members. Families can update their own household details.

Admins also decide what your church shows to people outside it: what goes on its public page, and whether to set a visitor code (see section 6).

If your church's admins leave, another admin can take over. If no admin is left, contact us and we'll help your church's leadership regain access once we've confirmed who they are.

5. Using Olive Leaf well

Please don't use Olive Leaf to:

• break the law, or post something you don't have the right to share;
• harass, threaten or deceive anyone, or send spam;
• try to see another church's information, get around sign-in or roles, or disrupt the service;
• copy the directory or other members' details for uses outside your church.

We may suspend an account or a church that does these things. Where it's reasonable, we'll talk to you first.

6. Your church's information

What your church puts in Olive Leaf — the directory, announcements, calendar, files, sign-ups and the rest — belongs to your church. You give us permission to store it and show it to the people your church allows, only so we can run Olive Leaf for you. We don't sell it, we don't use it for advertising, and other churches can't see it. The one exception is what a member chooses to post in the Market for all congregations (see section 8). Our Privacy Policy explains the details.

Guests who use a sign-up, RSVP or wedding link see only that page, and share only what that page asks for.

Your church's public page. Each church has a public page that anyone can open without signing in. It shows the church's name, its welcome line, service times, where it meets, a link to its live audio if it has one, and its calendar (each event's title, date, time, place, links and timeline, but not its notes), along with any documents and notices the church's admins mark for visitors. The directory is never on it. What your church puts there is public, so keep anything that should stay among members in an event's notes rather than its title or place, and don't mark it for visitors.

The visitor code. A church's admins can set a visitor code and give it to visitors the church welcomes. Anyone who enters the code can see, for 30 days and without signing in, what a printed directory would show: household names, phone numbers, addresses, where each home is on the map, and children's names. They don't see birthdays, notes or roles, and they can't change anything. There is no visitor code unless an admin sets one, and changing or removing it ends every visit it has opened. Your church chooses who is given the code, and is responsible for that choice.

7. Price and billing

• Before you pay, you can look around a sample church for 14 days by filling in the form on our site. It's read-only and everything in it is made up. We keep the name and contact details you gave when you asked, so we can help.
• Olive Leaf costs $1.50 per adult per month, billed monthly. An adult is a husband or a wife listed on a household in your church's directory. Children are never counted.
• A website for your church is optional. Designing it, looking it over and choosing its address cost nothing. Once your admins put it live it costs $29 a month, on the same bill as Olive Leaf, from when your free days end. Your admins can turn it off at any time, and it comes off your bill.
• A web address (a .com, .org or .net) bought in the app costs $25 a year. It is charged when it's bought, when the website goes live or when an admin buys it afterwards, on the bank account or card your church pays Olive Leaf with, even during your free days. It renews each year until you ask us to stop it. We register it in your church's name; if we can't, we refund it.
• Your church pays by bank account (ACH) or card from the day it starts. If you'd like to look around first, fill in the form on our site.
• We bill for at least one adult. The amount follows your directory: adults you add are charged from the day they're added, on your next bill; adults you remove drop off your next bill.
• Payments are processed by Stripe. We never see or store full bank or card numbers.
• Prices don't include sales tax, where it applies. Most churches are exempt — send us your exemption certificate at carson@5loavesdigital.com and we'll keep it on file. If you don't, we may have to add tax to your bill.
• You can cancel at any time. Olive Leaf stays available to the end of the month you've paid for, and then stops. We don't refund the unused part of a month.
• If a payment fails, your admins will see it in the app. If it isn't fixed, your church's access is paused until it is. A bank payment that bounces when you first sign up pauses access straight away, until an admin pays another way.
• If we change the price, we'll tell your church's admins at least 30 days before the new price applies.

Giving through the app. A church can choose to take its tithes and offerings through Olive Leaf. This part applies only if your church has turned giving on.

• Gifts go to your church, not to us. To take gifts, your church sets up its own Stripe account and agrees to Stripe's terms. Every gift is charged on your church's own Stripe account, and Stripe pays it out to your church's bank. Olive Leaf never holds the money.
• What it costs. Stripe charges its own fees on each gift; Stripe sets them and shows them in your church's Stripe account. Olive Leaf's fee is 0.5% of the amount charged for each gift, on top of Stripe's, whether the gift comes from a bank account or a card. It is taken from each gift as it is made, and it is all we charge for giving. If we change it, we'll tell your church's admins at least 30 days before the new fee applies.
• The fees are added to every gift. Stripe's fee and Olive Leaf's are added on top of each gift, so that your church receives the whole amount. The total, fees included, is shown before anything is charged.
• Repeating gifts. A giver can set a gift to repeat every week, every two weeks or every month. Stripe saves the bank account or card on your church's Stripe account, and the gift is charged on that schedule until it is stopped. The giver can pause it, change the amount or stop it at any time under Give in the app. If a charge doesn't go through, the app tells the giver. If it keeps failing, the repeating gift stops by itself. A repeating gift also stops when the giver is no longer a member of the church, and nothing is charged while your church's Olive Leaf isn't running. Your church's admins can also stop someone's repeating gift, for example when a member has died or asks them to. The giver then sees that the church stopped it. If you can't get into the app to stop a gift, ask your church's admins or email us.
• Refunds and disputes. A gift is a payment to your church, so a refund is your church's to make, from its Stripe account. A disputed charge is between the giver, your church and Stripe. If you gave by mistake, ask your church.
• Receipts and records. Stripe emails the receipt for each gift. In the app, the adults of a household see that household's giving; a son's or daughter's sign-in sees only its own gifts. Your church's admins, and the people your church gives the giving report to (usually its deacons), see the church's giving by household. Olive Leaf doesn't issue year-end statements or tax receipts, and doesn't give tax advice.
• Your church's part. Your church is responsible for its Stripe account, for how it uses what is given, and for following the laws that apply to it when it receives gifts.

8. The Market

The Market is where people on Olive Leaf sell things, look for things, offer places to stay and to rent, and post jobs and services. It is shared by every congregation on Olive Leaf that takes part, and by people who join the Market on their own. A test church and the sample church keep their posts to themselves.

Who can use it. In a church, the adults on a household can post, buy, book and open a store. Anyone else can join the Market on its own, without a church, by confirming they are 18 or older. Anyone can look at the posts shared with all congregations without signing in.

Who sees a post. When you post, you choose "Our congregation" or "All congregations". A post for your congregation is seen only by its members. A post for all congregations is seen by everyone in the Market, and by anyone who opens the Market without signing in. People who aren't signed in see the post, its photos, its price and its town, and your congregation's name if you choose to show it. They don't see your name, phone number or email. People who are signed in see the contact details you put on the post.

What you post. You're responsible for your posts. Each one must be honest, about something that's yours to sell, rent or offer, and legal where you and the buyer are. Don't post anything stolen, anything the law doesn't let you sell, or anything meant to mislead. A post stays up for 30 days, 90 days, or until you take it down, as you choose. You can have up to 50 posts up at once.

What can't be posted. Some things aren't allowed on the Market at all, whether for sale, wanted, traded or given away, even where the law allows them: guns, ammunition and gun parts, and other weapons; tobacco, vapes and anything with nicotine; CBD, marijuana and THC; and prescription drugs. The app turns away a post that names one, and a post for any of them is taken down.

Reports. Anyone can report a post. Reports go to the church admins of the person who posted it, or to us if that person joined the Market on their own. A post reported three times is hidden until someone has looked at it. We, and a church's admins for their own members' posts, may take down a post that breaks these terms. We may also stop someone from using the Market.

What it costs.

• Opening a store, posting, and keeping posts up are free. There are no listing fees and no monthly fee for the Market.
• When someone pays you through the app, Olive Leaf keeps 10% of everything the buyer pays, shipping included, and 3% of the part of a sale over $7,500, before it reaches you, and pays Stripe's card and bank fees from it. On a vehicle or a rental's rent it is 10%, at most $50, and never less than what Stripe charges Olive Leaf for the payment and to pay it on to you (that passes $50 only on a vehicle over about $17,400, or on rent paid by card over about $1,500). Stripe also charges Olive Leaf $2 for each seller it pays in a calendar month, so $2 more comes out of your first payment each month. If two payments come in close together and both took it, the second one's $2 is given back to you. Paying in the app starts at $20. Settling up yourselves, in person or any other way you arrange, costs nothing.
• Buyers pay the price on the post, and shipping if the seller ships it. Nothing else is added to what they pay.
• If we change these fees, or add a fee for posting, we'll say so in the app at least 30 days before it applies.

Getting paid. To be paid in the app, you fill in a short form from Stripe, our payment processor, and agree to Stripe's own terms. Stripe asks for what the law requires before it can send you money, such as your date of birth, the last four digits of your Social Security number and your bank account. You give those to Stripe, not to us. When a buyer pays, the payment is taken through Olive Leaf's Stripe account and passed on to yours, less the fees. When it reaches your bank depends on Stripe. If what you're paid in the app in one calendar year passes the IRS's reporting limit (now more than $20,000 over more than 200 sales), or your state's lower one, we report it on a Form 1099-K and send you a copy; Stripe may ask you for your full Social Security number for it. A vehicle is paid from a bank account only. Jobs, people looking for work, homes, land, businesses for sale and "wanted" posts aren't paid through the app.

Refunds. A seller or host can refund a payment made in the app. The buyer gets back what they paid. That money comes back from the seller, and the fees aren't returned. Sometimes a payment comes in too late: the thing had already sold, the post had come down, the nights were taken, or it was paid twice. Then we refund the buyer in full, and the seller pays no fee.

When a bank questions a payment. If a buyer's bank disputes a payment, the seller's part is taken back while the bank decides. The seller can give their side in the app, and we send it to the bank. If the bank decides for the seller, their part is sent back to them.

Shipping. A seller who ships sets a flat shipping price, ships within the United States, and enters the tracking number in the app. The buyer marks it received when it arrives.

Places to stay and to rent. Hosts set their own prices, house rules, cleaning fee and cancellation policy, and choose whether guests book straight away or ask first. A guest who calls off a stay gets back what the host's cancellation policy gives. A host who calls off a stay refunds the guest in full. A guest gets the exact address once the stay is booked, and the door code the day before they arrive. After a stay, the guest and the host may review each other, and a place's reviews are shown with it. A host who links calendars from other sites, such as Airbnb or Vrbo, lets us read them to keep the nights in step. Those sites can be slow to update, so hosts are responsible for nights they've also offered elsewhere. Hosts are also responsible for following local rules, including permits, safety, insurance and lodging taxes. For now, a guest pays the host directly, however they arrange it; paying for a stay in the app is coming soon. A host may link the place's own page on Airbnb or Vrbo.

Messages. People can message each other in the app about a post or a stay, and the adults of a church can message each other. You can block someone, or report a message. A reported message is read by us, and by the church's admins if it was between their members.

Olive Leaf's part. The Market is a place for people to find each other. We aren't the buyer or the seller, the host or the guest, the employer or the worker, and we aren't part of any deal made there. We don't inspect what's posted or check the people who post it. We don't promise that anything is as described, that someone will pay, or that a sale, a stay or a job will go well.

Your own due diligence. Before you pay, buy, book, hire or meet, it's up to you to check out the thing, the place and the person. Look it over, ask questions, check a vehicle's title, and meet somewhere safe. You use the Market at your own risk. Olive Leaf isn't liable for anything bought, sold, rented, hired or arranged through it, or for anything that happens between the people who use it. If something goes wrong, settle it with each other. Tell us if a post or a person breaks these terms, and we'll deal with the post or the account.

Sellers and hosts are responsible for any taxes on what they sell or rent, except where the law requires us to collect them.

9. Leaving Olive Leaf

Admins can export or print the directory at any time. When your church cancels, ask us and we'll delete your church's information from Olive Leaf within 30 days. Copies in our backups are deleted as those backups expire. Your church's Stripe account, and the record of gifts in it, is your church's own and stays with your church.

In the Market, you can take your posts down and close your store at any time. To delete an account you made just for the Market, contact us.

10. Keeping it running

We work hard to keep Olive Leaf available, secure and backed up, but we can't promise it will never be interrupted or error-free. We may improve, change or retire features over time; if a change removes something your church relies on, we'll give reasonable notice.

11. Limits of our responsibility

Olive Leaf is provided "as is". To the fullest extent the law allows, we're not responsible for indirect or consequential losses, or for anything bought, sold, rented, hired or arranged between people through the Market (see section 8). Our total responsibility for any claim about Olive Leaf is limited to what your church paid us in the 12 months before the claim. If a court decides we are responsible for something in the Market anyway, the most we owe is the fees Olive Leaf kept from you in the 12 months before the claim. Nothing in these terms limits responsibilities that can't be limited by law.

12. Changes to these terms

We may update these terms. If a change is significant, we'll tell your church's admins before it takes effect, and say so in the Market for people who joined it on their own. Continuing to use Olive Leaf after that means you accept the updated terms.

13. The law that applies

These terms are governed by the laws of the State of Tennessee, USA.

14. Contact us

Questions about these terms or your account: carson@5loavesdigital.com.