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. Accounts

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.

5. 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.

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.

6. 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.

7. Intellectual property

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.

8. 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.

9. Limitation of liability

To the maximum extent permitted by law, OverDeduct will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for lost profits or lost recoveries, arising out of or related to your use of the Services. Our total liability for any claim relating to the Services will not exceed the amounts you paid us for the Services in the twelve months before the claim.

10. 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.

11. 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.

12. Contact

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