Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the OverDeduct website, the free deduction analyzer, our self-serve software, and any done-for-you or managed recovery services (collectively, the “Services”) provided by MoneyMonk Consulting Inc. (“OverDeduct,” “we,” “us”). By using the Services you agree to these Terms. If you do not agree, do not use the Services.

1. Who may use the Services

The Services are intended for businesses and their authorized representatives. By using them you represent that you are at least 18 years old and are authorized to act on behalf of the brand or company you represent.

2. Educational content is not professional advice

Guides, articles, tools, and estimates on this site are provided for general informational purposes only. They are not legal, tax, accounting, or financial advice, and they do not create a professional or client relationship. Dispute windows, fees, and policies vary by distributor, retailer, and contract, and change over time. Verify any figure against your own distributor agreement and consult a qualified professional before acting.

3. The free analyzer and estimates

The free deduction analyzer processes the file you upload on our servers and produces categorized estimates of what may be recoverable. Estimates are illustrative, not guarantees. Whether a deduction is actually recoverable depends on your agreements, documentation, and the applicable dispute window. We do not guarantee any particular recovery outcome or amount.

4. AI-generated analysis, verdicts, and letters

Parts of the Services use automated systems and third-party artificial-intelligence providers — for example, to detect which columns of your file hold deductions, to assess a supporting document you upload against a specific charge, and to draft dispute letters. This output is generated automatically and may be incomplete, inaccurate, or wrong. It is informational only, is not legal, tax, accounting, or financial advice, and does not create a professional relationship. You are responsible for reviewing any AI-generated verdict, figure, or letter — and confirming it against your own records and agreements — before relying on it or submitting it to a distributor or retailer. We do not guarantee any outcome produced with the help of these features.

Dispute letters, UDR responses and any other documents the Services draft are drafts for you to review, edit and send yourself. We do not file disputes, submit documents to a distributor or retailer, or contact them on your behalf unless you engage our done-for-you service (section 7) and authorize it.

Use of AI is limited each day. When a limit is reached, the Services may read your file with their own rules instead, or complete a check later. We tell you when that happens.

5. Workspaces and accounts

Without an account, your work is kept in a guest workspace tied to your browser, or opened with an email link you ask for. You are responsible for keeping that link private: anyone who has it can open the workspace once. You can delete a guest workspace at any time.

Some Services require an account. You are responsible for the accuracy of the information you provide, for keeping your credentials secure, and for activity under your account. Notify us promptly of any unauthorized use.

6. Subscriptions, billing, and auto-renewal

Paid self-serve plans (Starter and Pro) are offered as automatically renewing subscriptions, billed monthly or annually in advance at the price shown on the pricing page and confirmed at checkout. By subscribing you authorize us and our payment processor to charge your payment method the applicable fee, plus any taxes, on each renewal until you cancel.

• Renewal. Your subscription renews automatically at the end of each billing period (each month or year) for another period of the same length, at the then-current price, unless you cancel before the renewal date.
• Cancellation. You may cancel anytime from Settings → Billing (which opens the secure customer portal). Cancellation stops future charges and takes effect at the end of the current paid period — you keep access until then.
• No refunds. Payments are non-refundable, and we do not provide refunds or credits for partial billing periods or unused time, except where required by law.
• Failed payments. If a charge fails, we may retry it and may suspend or downgrade access to paid features until payment succeeds.
• Price changes. We may change subscription prices; any change applies to your next renewal and we will give you reasonable advance notice (for example, by email) before it takes effect. Continuing after a price change takes effect constitutes acceptance of the new price.
• Taxes. Fees are exclusive of taxes; you are responsible for any applicable sales, use, VAT, or similar taxes.

Payments are processed by Stripe; we do not receive or store your full card details. Your use of the payment flow is also subject to Stripe's terms. See our privacy policy for how billing information is handled.

7. Done-for-you recovery: authorization and your responsibilities

Done-for-you and managed recovery are offered on a contingency basis — we are paid an agreed percentage of amounts actually recovered, as set out in a separate service agreement. The specific fees, scope, and terms of any such engagement are governed by that agreement, which controls if it conflicts with these Terms. See how contingency works for an overview.

If you engage this service, you authorize us and our personnel to act on your behalf to review your deductions, prepare and submit disputes to the relevant distributors and retailers, and correspond with them about those disputes, using the information and documents you provide. You represent and warrant that: (a) you have the authority to engage us and to dispute the deductions in question; (b) the data and documents you give us are accurate and complete to the best of your knowledge; and (c) you will not separately dispute, or engage another party to dispute, the same deductions while we are working them, and you will promptly tell us about any related communication you receive.

8. Acceptable use

You agree not to misuse the Services: no attempting to disrupt or reverse-engineer the platform, no uploading unlawful content, no infringing others' rights, and no using the Services to violate any applicable law or your own contractual obligations with a distributor or retailer.

9. Suspension and termination

We may suspend or terminate your access to the Services, in whole or in part, if you breach these Terms, use the Services in a way that risks harm to us or others, or fail to pay fees when due — and we may do so immediately where the issue is serious. You may stop using the Services at any time, and may cancel a paid subscription as described above. On termination, your right to use the Services ends, and any sections that by their nature should survive — including intellectual property, confidentiality, disclaimers, limitation of liability, and indemnification — survive. We handle data after termination as described in our privacy policy.

10. Confidentiality

Each party may receive non-public information from the other in connection with the Services. Each party will use the other's confidential information only to provide or use the Services, and will protect it with reasonable care. This does not apply to information that is or becomes public through no fault of the recipient, was already lawfully known to the recipient, or must be disclosed by law. Your remittance data and documents are treated as your confidential information and handled as described in our privacy policy.

11. Intellectual property and feedback

The Services, including content, guides, and software, are owned by OverDeduct or its licensors and are protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable right to use the Services for your internal business purposes. You retain ownership of the data and documents you provide.

If you send us feedback, suggestions, or ideas about the Services, you grant us a perpetual, irrevocable, royalty-free license to use them to operate and improve the Services, without any obligation to you.

12. Customer references

You agree that we may identify you as a user of the Services and reference your organization — including your name and logo — in materials describing our work, such as our website and sales materials. Let us know anytime and we'll stop.

13. Disclaimers

The Services are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or that any content or estimate is complete or accurate.

You are solely responsible for the accuracy and completeness of the data and documents you provide, and for independently verifying any estimate, deadline, dispute window, or AI-generated output before relying on it or submitting it to a third party. We are not responsible for third-party services, or for distributor or retailer portals and their decisions, availability, timelines, or outcomes.

14. Indemnification

You will defend, indemnify, and hold harmless OverDeduct and its officers, employees, and agents from and against any claims, losses, liabilities, damages, and expenses (including reasonable legal fees) arising out of or related to: your use or misuse of the Services; the data or documents you provide; your violation of these Terms or of any applicable law; or your breach of any agreement you have with a distributor, retailer, or other third party. We may, at our option, assume the exclusive defense and control of any matter subject to indemnification, in which case you will cooperate with us; you will not settle any such matter without our prior written consent.

15. Limitation of liability

To the maximum extent permitted by law, OverDeduct and its officers, employees, and agents will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any lost profits, lost recoveries, lost data, or business interruption, arising out of or related to the Services — even if advised of the possibility. To the maximum extent permitted by law, our total aggregate liability for all claims relating to the Services will not exceed the total amounts you actually paid us for the Services in the twelve months before the event giving rise to the claim, and for Services provided free of charge we will have no liability. These limitations apply regardless of the theory of liability and even if a remedy fails of its essential purpose.

16. General

These Terms, together with any separate service agreement and the policies referenced here, are the entire agreement between you and us about the Services and replace any prior understanding on that subject. You confirm that you have not relied on any statement or representation not expressly set out in these Terms. We may modify, suspend, or discontinue any part of the Services at any time without liability. If any provision is found unenforceable, it will be reformed to the minimum extent necessary to make it enforceable and the rest remains in effect. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our written consent; we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets. Neither party is liable for delays or failures caused by events beyond its reasonable control. We may provide notices to you by email or through the Services.

17. Changes to these Terms

We may update these Terms from time to time. Material changes will be reflected by updating the effective date above. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

18. Governing law

These Terms are governed by the laws of the Province of Ontario, Canada, without regard to its conflict-of-laws rules, and you agree to the exclusive jurisdiction of the courts located there for any dispute arising out of or relating to the Services, except where applicable law gives you the right to bring a claim elsewhere. Any claim arising out of or relating to the Services must be commenced within one (1) year after it arises; otherwise it is permanently barred, except where applicable law does not permit this limitation.

19. Contact

Questions about these Terms? Contact us. See also our privacy policy.