Legal

Terms of Service

Effective: July 1, 2026

Last updated: June 2026

Plain-English summary: Overlodger watches your QuickBooks transactions and alerts you when something looks unusual. We're not a licensed financial advisor — our alerts are informational only. By using Overlodger, you agree to these terms. Please read Section 3 (Not Financial Advice) and Section 11 (Limitation of Liability) carefully.

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the Overlodger platform, including our website, application, API integrations, email notifications, and SMS alerts (collectively, the "Service"), operated by The Overlodger Team ("Overlodger," "we," "us," or "our").

By creating an account, connecting a third-party data source, or otherwise accessing the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

Entity note: Overlodger is currently operated as an unincorporated business by The Overlodger Team. Upon formal incorporation, these Terms will be updated to reflect the legal entity. [Update upon incorporation: insert legal entity name, state, and registration number]

2. Description of Service

Overlodger is a financial monitoring tool designed for small business owners. The Service:

Connects to your QuickBooks Online account via OAuth 2.0 to retrieve transaction data
Applies statistical analysis (Z-score modeling) using up to 5 years of historical data to identify transactions that deviate from your established spending patterns
Uses AI language models (currently OpenAI GPT-4o-mini) to verify flagged transactions and generate plain-English alert messages
Delivers anomaly alerts via email and, on paid plans, SMS text message
Sends a weekly spending digest summarizing your business's financial activity
Maintains an alert history dashboard accessible through our web application

The Service is designed to surface potentially unusual activity for your awareness. It is not a substitute for professional bookkeeping, accounting, fraud investigation, or financial advice.

3. Not Financial Advice

Important: Overlodger is an informational tool, not a licensed financial, accounting, legal, or fraud investigation service.

Nothing in the Service — including anomaly alerts, weekly digests, AI-generated insights, statistical summaries, or any other output — constitutes financial advice, accounting advice, legal advice, or a recommendation to take any specific action.

Overlodger does not guarantee that:

All fraudulent, erroneous, or unusual transactions will be detected
Flagged transactions are in fact fraudulent, erroneous, or problematic
Alert messages are accurate, complete, or free from error
The Service will prevent financial loss of any kind

You are solely responsible for verifying any flagged transaction, consulting qualified professionals, and making your own financial decisions. Do not rely on Overlodger alerts as your only mechanism for detecting fraud or financial irregularities.

4. Eligibility & Account Registration

4.1 Eligibility

You must be at least 18 years old and legally authorized to conduct business in the jurisdiction in which you operate to use the Service. By registering, you represent and warrant that you meet these requirements.

4.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately at [email protected] if you suspect unauthorized access to your account. We are not liable for losses resulting from unauthorized use of your account.

4.3 Accurate Information

You agree to provide accurate, current, and complete information during registration and to keep your profile information up to date, including your name, business name, email address, and phone number.

5. QuickBooks Integration & Third-Party Services

5.1 OAuth Authorization

When you connect your QuickBooks Online account, you authorize Overlodger to access your QuickBooks accounting data on your behalf through Intuit's OAuth 2.0 protocol. You may revoke this authorization at any time from within the Service or directly through your Intuit account settings.

5.2 Third-Party Dependency

The Service depends on third-party platforms including Intuit (QuickBooks), OpenAI, Resend (email delivery), Railway (infrastructure), and Cloudflare. We are not responsible for service interruptions, data access failures, API changes, or errors caused by these providers.

Intuit periodically updates its OAuth and API infrastructure, which may temporarily affect Overlodger's ability to sync your data. We will communicate known outages through the dashboard and email when possible.

5.3 Data Access Scope

Overlodger requests read-only access to your QuickBooks transaction data (Purchase and Bill records). We do not write to, modify, or delete any data in your QuickBooks account.

5.4 Third-Party Terms

Your use of QuickBooks is subject to Intuit's own Terms of Service and Privacy Policy. Your use of Overlodger does not modify your obligations to Intuit or any other third-party provider.

6. Data Use & Model Training

6.1 How We Use Your Data

We use your transaction data to provide the Service — including anomaly detection, alert generation, and weekly digests. We also pass transaction data to OpenAI's API to generate alert messages and spending insights. OpenAI processes this data under their API data usage policies, which do not use API inputs to train their models.

6.2 No Sale of Data

We do not sell, rent, or trade your personal or business financial data to any third party for marketing or advertising purposes.

For full details on data collection, retention, and your rights, see our Privacy Policy.

7. Plans, Pricing & Payment

7.1 Free Plan (Basic)

The Basic plan provides access to anomaly detection for up to 200 transactions per month and email alerts at no charge. No payment information is required to use the Basic plan.

7.2 Paid Plan (Overwatch)

The Overwatch plan includes unlimited transactions, SMS notifications, weekly digest emails, and AI spending insights. Pricing is displayed on our website and is billed monthly. [Insert payment processor name, e.g., Stripe, when configured]

7.3 Pricing Changes

We reserve the right to change pricing at any time. We will provide at least 30 days' notice to active paid subscribers before any price increase takes effect. Continued use of the Service after the effective date of a price change constitutes acceptance of the new pricing.

7.4 Refunds

We do not offer refunds for partial billing periods. If you cancel a paid plan, you retain access through the end of your current billing cycle.

7.5 Beta Period

During our closed beta, certain features may be provided at no cost to selected users. We reserve the right to transition beta users to paid plans with advance notice.

8. Notifications & SMS

8.1 Email Notifications

By creating an account, you consent to receiving transactional emails including anomaly alerts, weekly digests, and account-related communications. You may unsubscribe from marketing emails using the unsubscribe link in any email. Transactional alerts (anomaly notifications) cannot be fully disabled while your account is active, as they are core to the Service.

8.2 SMS/Text Notifications (Paid Plans)

SMS notifications are planned for a future paid plan. By enabling SMS notifications and providing your phone number, you expressly consent to receive automated text messages from Overlodger at the number provided. Message and data rates may apply. Message frequency varies based on your transaction activity.

To stop receiving SMS messages, reply STOP to any text message or disable SMS notifications in your profile settings. For help, reply HELP to any text message or email [email protected].

SMS consent is separate from your general account agreement. We will obtain explicit SMS opt-in consent at the time you enable text notifications.

9. Prohibited Use

You agree not to:

Use the Service to monitor accounts or businesses you do not own or have explicit authorization to access
Attempt to reverse engineer, scrape, or extract data from the Service beyond your own account data
Share your account credentials with unauthorized parties
Use the Service in any way that violates applicable laws or regulations, including financial privacy laws
Attempt to circumvent the Service's security measures, rate limits, or authentication systems
Submit false or misleading information during registration or profile setup
Use the Service for any purpose that would constitute a violation of Intuit's developer terms or QuickBooks API policies

Violation of these restrictions may result in immediate account termination without refund.

10. Intellectual Property

The Overlodger name, logo, website design, application code, anomaly detection methodology, and all other original content are the property of The Overlodger Team and are protected by applicable copyright, trademark, and intellectual property laws.

You retain all ownership of your business's financial data. By connecting QuickBooks to Overlodger, you grant us a limited, non-exclusive license to access and process your transaction data solely for the purpose of providing the Service.

You may not copy, reproduce, distribute, or create derivative works from any part of the Overlodger platform without our written permission.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OVERLODGER AND THE OVERLODGER TEAM SHALL NOT BE LIABLE FOR ANY:

Financial losses, fraud, or theft not detected by the Service
False positive alerts that cause unnecessary concern or action
Losses resulting from reliance on any alert, insight, or output generated by the Service
Service interruptions caused by third-party providers including Intuit, OpenAI, Railway, or Resend
Data loss resulting from account deletion, service termination, or infrastructure failure
Indirect, incidental, special, consequential, or punitive damages of any kind

IN NO EVENT SHALL OVERLODGER'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO OVERLODGER IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100 USD.

Some jurisdictions do not allow limitation of certain warranties or liability, so some of the above limitations may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless The Overlodger Team from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third party's rights, including Intuit's terms; or (d) any data you provide to the Service.

13. Termination

13.1 By You

You may delete your account at any time by contacting us at [email protected]. Upon deletion, your QuickBooks connection will be revoked and your personal data will be handled per our Privacy Policy.

13.2 By Us

We reserve the right to suspend or terminate your account at any time, with or without notice, for violation of these Terms, non-payment, or any activity we determine to be harmful to the Service or other users. We will make reasonable efforts to notify you before termination except in cases of severe or repeated violations.

13.3 Effect of Termination

Upon termination, your right to access the Service ceases immediately. Sections 3, 10, 11, 12, and 14 survive termination.

14. Disputes & Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the Service shall first be submitted to informal resolution by emailing [email protected]. If the dispute is not resolved within 30 days, either party may pursue binding arbitration under the rules of the American Arbitration Association (AAA) in a mutually agreed location or via remote proceedings.

Class action waiver: You agree that any dispute resolution will be conducted on an individual basis only and not as a class, consolidated, or representative action.

15. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page and notify active users by email at least 14 days before material changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

We encourage you to review these Terms periodically. If you do not agree to revised Terms, you must stop using the Service and may delete your account.

16. Contact

Questions about these Terms? Reach us at:

Email: [email protected]
Website: overlodger.com
Mailing address: [Insert address upon incorporation]