The agreement

By creating an account at OverpayOwl, you agree to these terms. If you don't agree, don't create an account.

What OverpayOwl does

OverpayOwl is a tool. It helps you draft and send billing disputes to companies you have a contract with. Owly, the agency's detective, is an AI-powered assistant — not a lawyer. The dispute letters are sent under your name, on your authority. The recovery, if any, is yours.

What we don't do

• We don't give legal advice.
• We don't guarantee a recovery on any given case.
• We don't represent you in litigation.
• We don't take a commission on what Owly recovers.

Your account

You're responsible for keeping your account credentials safe. You agree to provide accurate information at signup and to keep it accurate. You won't use the service for any of the obviously bad things — fraud, spam, abuse, automated mass disputes against entities you have no contract with, etc.

Acceptable use

• Disputes you file must be in good faith.
• You must own the bill (or be authorized by the account holder).
• You must not upload bills containing illegal content.
• You must not attempt to break, scrape, or reverse-engineer the service.

Fees and billing

The Investigator tier is free. Paid tiers (Pro Investigator, Agency) are billed monthly via Stripe once that pipeline is live. Subscriptions renew automatically at the end of each billing period unless cancelled. See the refund policyfor the agency's stance on refunds.

Termination

You can close your account at any time from settings. We can suspend accounts that violate these terms — usually with notice, immediately if needed to protect the service or other detectives.

Disclaimers and liability

The service is provided "as is". We don't warrant that Owly will recover a specific amount or that any given case will succeed. To the maximum extent allowed by law, our liability is capped at the amount you paid us in the 12 months preceding the claim.

Governing law

These terms are governed by the laws of the State of Delaware, United States. Disputes between you and OverpayOwl (not your billing disputes — those go to the carrier) are resolved in the courts of New Castle County, Delaware.

Changes

We'll notify you of material changes by email at least 14 days before they take effect.

Contact

Legal questions: legal@overpayowl.com.