Terms of Service

By creating an Overpay Owl account, you agree to these terms. We've tried to keep them reasonable and short. If you have a lawyer who needs the legalese, email legal@overpayowl.com.

The service

Overpay Owl analyzes the bills you upload, identifies likely overcharges, drafts dispute letters for your review, and tracks the status of your disputes. We are not a law firm. Nothing we generate is legal advice. You are responsible for reviewing every letter before sending it.

Your account

• You must be at least 18 to create an account.
• You're responsible for keeping your password secure. Enable 2FA in Settings.
• One account per person. Don't share credentials.
• Don't upload bills that aren't yours (or your business's) without permission.

What we promise

• We'll keep your data private per the Privacy Policy.
• We'll keep the service available with reasonable best effort. Target uptime is 99.9%.
• We'll give you 30 days' notice before any breaking pricing change.

What we don't promise

• That every dispute will succeed. Vendors get the final say.
• That every flagged charge is wrong. Our AI is a research aid, not an oracle. Read the letters before sending.
• Specific recovery amounts. The numbers on our marketing pages are aggregate user outcomes, not guarantees.

Payments and refunds

Free plan stays free. Paid plans renew monthly or annually as selected. You can cancel any time from Settings → Billing; you keep paid features through the end of the billing period. We refund a full month if you cancel within 14 days of an upgrade.

Acceptable use

Don't use Overpay Owl to file disputes you know to be fraudulent, to harass companies, or to harvest data on individuals. We'll suspend accounts that do.

Termination

You can delete your account any time from Settings. We can suspend accounts for the reasons above, with notice when feasible. Deletion behavior is described in the Privacy Policy.

Limitation of liability

To the extent allowed by law, our liability for any claim arising from the service is capped at the greater of $100 or the amount you paid us in the prior 12 months. We aren't liable for consequential or indirect damages.

Governing law

These terms are governed by the laws of the State of California. Disputes go to the state and federal courts of San Francisco County.

Changes

We'll email account holders before any material change. The current version always lives at this URL.