Olivia Smith kept Olivia family details secret, just like other young professional footballers; however, in an interview, she revealed her parents' names, Sulee Riquelme-Smith and Sean Smith. Olivia Smith family pushed her in multiple sports like Basketball, Volleyball, Football, and Tennis. Later, Olivia Smith chose football as her career. She first played house league with the Whitby Soccer Club, before playing at the competitive level with Oshawa Kicks SC, Ajax SC, Markham FC, and then North Toronto SC. Afterwards, she joined the Ontario Regional Excel program, before returning to North Toronto SC to train in advance of her move to college, where she committed to joining the Florida State Seminoles.
Beginning in Olivia Smith career, she attended Florida State University. Smith instead decided to attend Penn State University, where Olivia Smith played for the women's soccer team. She made her debut on September 18, 2022, coming on as a second-half substitute against the Indiana Hoosiers. She scored her first collegiate goal on September 25 against the Illinois Fighting Illini.
Olivia Smith girlfriend is Mia Enderby. Mia is also a professional footballer, who played alongside her at Liverpool. The couple has been seen at multiple events together. Olivia Smith girlfriend and the Canadian international have often been seen together on social media platforms, enjoying their vacations and trips.