Terms of Use

You must be 18 years or older (or the age of majority in your jurisdiction, whichever is greater) to use Ovr Finance™. By using the Services, you represent and warrant that:

• You are legally capable of entering into a binding contract under the laws of your jurisdiction,
• You are not prohibited from accessing the Services under applicable laws, and
• You will comply with these Terms at all times.

If you access Ovr Finance™ from outside the United States, you are responsible for complying with local laws where you reside, including but not limited to consumer protection laws, financial services regulations, and data protection requirements.

Ovr Finance™ is a personal finance and debt-management platform designed to help users visualize spending, track payments, manage credit card debt, and plan for debt reduction. AI-powered recommendations will be provided through AI Recalibration, which is not yet available.

Important Disclaimers:

Ovr Finance™ is NOT:

• A financial institution, bank, credit union, or depository institution
• A lender, creditor, or debt collector
• A broker-dealer or registered investment adviser
• A credit counseling agency or debt settlement company
• A money transmitter or payment processor (we use licensed third parties)

All Services Provided Are:

• Educational and informational only
• Not to be interpreted as financial, legal, tax, investment, or professional advice
• Subject to your own discretion, judgment, and risk
• Dependent on accurate information you provide

You acknowledge that financial decisions have significant consequences and you should consult qualified professionals (financial advisers, attorneys, tax professionals) before making important financial decisions.

By creating an account, accessing, or using Ovr Finance™, you signify your acceptance of these Terms and our Privacy Policy.

We may update these Terms periodically to:

• Comply with evolving laws and regulations (US federal, state, and international)
• Reflect new features or service changes
• Improve clarity and user protection
• Address security or operational requirements

The "Last Updated" date reflects the most recent version. Material changes will be communicated via:

• Email notification to your registered address
• In-app notification upon next login
• Prominent notice on our website

Continued use of the Services 30 days after notification constitutes your acceptance of the revised Terms. If you do not agree to changes, you must discontinue use and may close your account.

You agree to:

• Provide accurate information: All data you enter (financial accounts, personal details, payment information) must be truthful, current, and complete.
• Maintain security: Keep your login credentials, passwords, and authentication methods confidential and secure. Enable two-factor authentication where available.
• Lawful use only: Use the Services only for lawful, personal, non-commercial purposes in compliance with all applicable laws.

Prohibited activities - You will NOT:

• Upload or transmit harmful code, malware, viruses, or any content that violates laws or third-party rights
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use automated systems (bots, scrapers) to access the Services
• Reverse engineer, decompile, or attempt to extract source code
• Misrepresent your identity or impersonate others
• Use the Services to commit fraud, money laundering, or any illegal activity
• Violate sanctions laws or regulations (OFAC, UN, EU, or other jurisdictions)

You are solely responsible for all activity that occurs under your account, whether authorized by you or not. You must immediately notify us of any unauthorized access or security breach at support@ovrfinance.io.

5.1 Third-Party Integrations

This website currently relies on Vercel (hosting), Contentsquare (consent-gated analytics), Resend (email), and SheetMonkey (waitlist form submissions).

The Ovr mobile app additionally involves:

• Financial Data: Plaid Inc. - for secure bank account linking and transaction data
• Subscription Billing: Apple Inc. (App Store) and Google LLC (Google Play) - for payment processing
• Authentication: an authentication service provider - for sign-in and session management

Mobile-app data practices will be reflected here based on the production application's implemented services before public launch. Each third party maintains its own Terms of Service and Privacy Policy. By using these integrations, you agree to be bound by their respective terms.

5.2 Subscription Payment Processing

All subscriptions are billed through Apple App Store or Google Play Store and are subject to their respective terms and conditions. Ovr Finance does not collect or store your payment information directly.

Managing Your Subscription:

• iOS: Settings > Apple ID > Subscriptions
• Android: Google Play > Menu > Subscriptions
• You can cancel your subscription at any time through your device settings

5.3 Third-Party Disclaimers

We do NOT control or endorse third-party content, services, or systems. Ovr Finance™ is NOT responsible for:

• Errors, outages, data breaches, or losses arising from third-party systems
• Misuse of credentials entered into third-party portals (Plaid, etc.)
• Data handling practices, security measures, or privacy policies outside our direct control
• Delays or failures in payment processing caused by Apple, Google, banks, or credit card issuers

Your continued use of such integrations constitutes your consent to their respective terms and privacy policies.

6.1 Subscription Services

If you purchase a subscription or premium feature:

Billing Authorization:

• You authorize recurring billing through Apple App Store or Google Play Store
• Subscription fees are charged monthly, in advance. Ovr does not offer quarterly or annual plans.
• Payment method will be charged automatically until you cancel
• All payments are handled by Apple and Google's billing systems

Current Plans and Pricing:

• Basic — free
• Starter — $0.99 per month
• Premium — $5.99 per month, including 3 AI Recalibrations each month
• Elite — $9.99 per month, including unlimited AI Recalibration

Ovr does not currently offer a free trial on any plan. Basic is free for as long as you want it, so there is nothing to trial.

Pricing and Changes:

• Current subscription tiers and pricing are also displayed in-app and on our website
• We reserve the right to modify pricing, plans, or features with 30 days' advance notice
• Price changes do not apply to current billing cycles—you'll be notified before renewal

Cancellation:

• You may cancel anytime through your Apple or Google account settings
• iOS: Settings > Apple ID > Subscriptions
• Android: Google Play > Menu > Subscriptions
• Cancellation takes effect at the end of the current billing period
• You retain access to premium features until the end of the paid period
• No partial refunds for unused time unless required by law

Refunds:

• Subscription fees are generally non-refundable except where required by applicable consumer protection laws
• Refund requests must be submitted to Apple or Google through their respective app stores
• iOS: reportaproblem.apple.com
• Android: support.google.com/googleplay

In addition to subscription services, certain features are available as add-on purchases:

6.3.1 AI Recalibration ($1.99 per use)

• Available to Basic and Starter users as an individual purchase
• Premium includes 3 recalibrations each month; further recalibrations in the same month may be purchased at $1.99 each
• Included, without a monthly cap, for Elite users
• Non-refundable once AI processing begins
• No guarantees on specific interest savings or payoff timeline improvements

6.3.2 Automatic Charges

Ovr does not charge you automatically for exceeding an included allowance. If you have used the recalibrations included with your plan, any further recalibration is a purchase you choose to make at the time, through the App Store or Google Play.

6.3.3 Add-On Purchase Terms

By purchasing add-ons, you agree that:

• All sales are final once processing begins
• No refunds for change of mind
• Technical failures may result in refund (case-by-case)
• Add-on purchases do NOT extend subscription periods
• Usage data is tracked and stored per our Privacy Policy

12.1 What Ovr does and does not do

Ovr is a planning tool. It shows you what to pay and when, and it does not make the payment for you.

• Ovr does not initiate ACH debits, transfers, or any other movement of funds
• Connecting a financial account does not authorize Ovr to move money
• There is no "Pay Now" or autopay feature in the Services today, at any price
• Every payment to your lenders is made by you, through your bank or your card issuer

12.2 You remain responsible for your own payments

Because Ovr does not make payments, you are responsible for paying your accounts on time, in full, and through your own bank or card issuer. A plan shown in Ovr is guidance, not a payment. Missing a due date because you were waiting on Ovr to act is a risk we want to be explicit about: Ovr will not act, because it cannot.

Ovr is not liable for late fees, interest charges, credit-score effects, overdraft or NSF charges, or any other consequence of a payment you did not make.

12.3 If payment features are launched in future

If Ovr ever offers a feature that moves money, that feature will not be switched on quietly under these Terms. Before it could apply to you, we would:

• publish the terms specific to that feature, including its price
• obtain your separate, explicit authorization for each applicable payment
• make the relevant consumer disclosures for that payment method at that time

Until then, no such authorization exists and none is implied by your use of the Services or by any account connection you have made.

12.4 Add-on purchases

The only optional purchase in the Services today is AI Recalibration at $1.99 per use, sold as an in-app purchase through the Apple App Store or Google Play. Section 6.3 covers its terms. It is a purchase of a feature, not a payment to a lender.

7.1 Ownership

All content, features, and functionality of the Services are and will remain the exclusive property of Ovr Finance™, JRM Creative Ventures LLC, or our licensors, including but not limited to:

• Software, code, algorithms, and AI models
• Trademarks, service marks, logos, and brand elements ("Ovr Finance," "Ovr," design elements)
• Text, graphics, images, icons, and visual designs
• Data compilations, databases, and analytical tools
• User interface designs and user experience elements
• Documentation, tutorials, and help content

7.2 License Grant to You

Subject to your compliance with these Terms, Ovr Finance™ grants you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use the Services for personal, non-commercial purposes
• Download and use our mobile application on your personal devices
• View and print content solely for your personal financial management

7.3 Restrictions

You may NOT:

• Copy, modify, create derivative works, or reverse engineer any part of the Services
• Decompile, disassemble, or attempt to extract source code
• Distribute, sublicense, rent, lease, or sell access to the Services
• Remove, obscure, or alter copyright notices, trademarks, or proprietary rights notices
• Use Ovr Finance™ branding, logos, or proprietary materials without express written consent

7.4 Enforcement

Unauthorized use may result in:

• Immediate termination of your account and access
• Civil liability under copyright and trademark laws
• Criminal prosecution under applicable laws

To report intellectual property infringement, contact: legal@ovrfinance.io

Your privacy is extremely important to us. Our data practices are governed by our Privacy Policy, which is incorporated into these Terms by reference.

8.1 Applicable Privacy Laws

Ovr Finance™ complies with applicable data protection and privacy laws, including:

United States:

• Federal Trade Commission Act (FTC Act) - unfair and deceptive practices
• Gramm-Leach-Bliley Act (GLBA) - financial privacy (where applicable)

�� California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)

• Virginia Consumer Data Protection Act (VCDPA)
• Colorado Privacy Act (CPA)
• Other applicable state privacy laws

European Union / European Economic Area:

• General Data Protection Regulation (GDPR) (EU) 2016/679

United Kingdom:

• UK Data Protection Act 2018 (DPA 2018)
• UK GDPR (as retained in UK law post-Brexit)

8.2 Your Privacy Rights

Depending on your location, you may have rights to:

• Access: Request copies of your personal data
• Rectification: Correct inaccurate or incomplete data
• Erasure ("Right to be Forgotten"): Request deletion of your data
• Restriction: Limit how we process your data
• Data Portability: Receive your data in machine-readable format
• Object: Object to processing based on legitimate interests
• Withdraw Consent: Revoke consent where that is the lawful basis

To exercise these rights, contact: privacy@ovrfinance.io

8.3 Children's Privacy

Ovr Finance™ is NOT intended for individuals under 18 (or the age of majority in your jurisdiction). We do not knowingly collect data from minors. If we discover we've collected data from a minor, we will delete it promptly. If you believe a minor has provided us data, contact: privacy@ovrfinance.io

9.1 General Service Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

Ovr Finance™ DISCLAIMS ALL WARRANTIES, INCLUDING:

• Merchantability: Fitness for general use
• Fitness for a Particular Purpose: Suitability for your specific financial situation
• Non-Infringement: That Services don't violate third-party rights
• Accuracy: That data, calculations, or recommendations are error-free
• Reliability: That Services will be uninterrupted, timely, or secure
• Results: That use of Services will achieve any particular financial outcome

9.2 Financial Information Disclaimer

No Financial Advice:

• Ovr Finance™ provides educational tools and informational content only
• Nothing in the Services constitutes financial, investment, tax, or legal advice
• AI-generated recommendations are based on algorithms and may not suit your circumstances
• You should consult qualified professionals (CPAs, financial advisers, attorneys) before making significant financial decisions

9.2.6 AI and Algorithmic Recommendations

AI Recalibration uses your balances, APRs, minimums and stated budget to generate a personalized payment plan. However:

AI is NOT Perfect:

• AI recommendations are educated estimates based on historical data and statistical models
• AI cannot predict future changes in your financial situation, spending habits, or income
• AI cannot account for unexpected life events (medical emergencies, job loss, etc.)
• AI cannot guarantee specific interest savings or payoff timeline reductions

No Professional Advice:

• AI recommendations are NOT financial advice from licensed professionals
• AI cannot replace consultation with certified financial planners, CPAs, or credit counselors
• AI does not consider your complete financial picture (retirement savings, other debts, etc.)

You Control All Decisions:

• AI provides suggestions only - YOU make all final financial decisions
• You are NOT obligated to follow AI recommendations
• You should evaluate recommendations based on your personal circumstances
• Consult licensed professionals for major financial decisions

Technical Limitations:

• AI accuracy depends on data quality you provide
• Inaccurate inputs (wrong balances, APRs) produce inaccurate recommendations
• AI may not detect fraudulent charges or account errors
• AI cannot access real-time interest rate changes from your credit card issuers

9.2.7 Calming Center and Wellness Content

The Calming Center provides breathing exercises, mindfulness prompts and similar general wellness content. It is not a medical device and not a mental health treatment.

• Ovr Finance™ does not diagnose, treat, cure or prevent any medical or mental health condition
• The Calming Center is not therapy and is not a substitute for care from a qualified health professional
• We do not provide medical advice, and no content in the Services should be relied on as medical advice
• If you are struggling with your mental health, please contact a licensed professional. In the United States you can call or text 988 to reach the Suicide and Crisis Lifeline, available 24 hours a day. If you believe you are in immediate danger, call 911 or your local emergency number.

9.3 Payments Disclaimer

Ovr Finance™ does not initiate or make payments on your behalf. See Section 12. Nothing in the Services should be read as a payment having been scheduled, sent, or received.

9.4 Your Sole Responsibility

You are solely responsible for:

• Making every payment to your lenders yourself, through your bank or card issuer
• Monitoring your own accounts to confirm those payments were applied
• Ensuring timely payment of your obligations regardless of anything shown in the Services
• Understanding the specific terms, interest rates, and fees of your credit agreements

9.4.1 AI Processing by a Service Provider

AI Recalibration will not be performed on your device. To produce a recalibrated plan, the information needed for that request will be sent to a third-party AI service provider that processes it on our behalf and returns a result.

Before your first recalibration runs, the app will show you a consent screen that names the AI provider, states exactly what is sent, and asks for your permission. Nothing will be sent to that provider unless you agree. Continuing to use the Services is not by itself agreement to AI processing, and you will be able to withdraw your permission at any time in Settings — AI Recalibration then stops being offered, and the rest of the app keeps working. Our Privacy Policy describes this in more detail.

10.1 Maximum Limitation

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Ovr Finance™, JRM Creative Ventures LLC, and our affiliates, officers, directors, employees, agents, contractors, licensors, and service providers (collectively, "Ovr Parties") shall NOT be liable for any:

Indirect Damages:

• Indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, business opportunities, or goodwill
• Loss of data or information
• Cost of substitute services or products
• Business interruption or work stoppage

Specific Financial Losses:

• Late fees, interest charges, or penalties from creditors
• Credit score damage or impacts to creditworthiness
• Bank fees (overdraft, NSF, stop payment, etc.)
• Lost investment opportunities or returns
• Tax consequences or penalties

10.2 Aggregate Liability Cap

WHERE LIABILITY CANNOT BE EXCLUDED under applicable law, the total aggregate liability of Ovr Parties to you for all claims arising from or related to the Services is strictly limited to the lesser of:

(a) $100 USD, or (b) The total amount of fees you have paid to Ovr Finance™ in the 12 months immediately preceding the claim

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, statute, or otherwise).

10.3 Jurisdiction-Specific Limitations

Some jurisdictions (particularly in the EU/EEA/UK and certain US states) do not allow exclusion or limitation of liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or certain implied warranties. In such jurisdictions, these limitations apply only to the extent permitted by mandatory law.

You agree to indemnify, defend, and hold harmless Ovr Finance™, JRM Creative Ventures LLC, and their respective affiliates, officers, directors, employees, agents, contractors, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your violation of these Terms or our Privacy Policy
• Your misuse of the Services or any feature thereof
• Your violation of any applicable law, regulation, or third-party right
• Your provision of inaccurate, misleading, or incomplete information
• Unauthorized access to your account due to your failure to maintain security
• Your financial decisions or actions based on information from the Services
• Any payment transaction you authorize through the Services
• Your content or submissions (if applicable)

This indemnification obligation survives termination of these Terms and your use of the Services.

13.1 Our Right to Suspend or Terminate

Ovr Finance™ may suspend, restrict, or terminate your account and access to the Services at any time, with or without prior notice, if:

Violation of Terms:

• You violate any provision of these Terms or our Privacy Policy
• You misuse, abuse, or fraudulently use the Services
• You provide false, inaccurate, or misleading information

Illegal Activity:

• You use Services for illegal purposes or in violation of applicable laws
• You engage in money laundering, fraud, or other financial crimes
• You violate sanctions laws (OFAC, UN, EU, etc.)

Risk Management:

• We detect suspicious activity or potential security breaches
• Multiple failed payments or chargebacks indicate account abuse
• Your account poses risk to us, other users, or third-party partners

13.2 Your Right to Terminate

You may terminate your account at any time by:

• Deleting your account through app settings
• Emailing support@ovrfinance.io with "Account Deletion Request"
• Following the account closure process in your account portal

Effects of Termination:

• Access to Services ceases immediately
• Subscription billing stops at the end of current billing period (no refunds)
• Pending payments may still process if already submitted
• Your data will be deleted or anonymized according to our Privacy Policy and legal retention requirements

14.1 Governing Law

United States Users: These Terms are governed by and construed in accordance with the laws of the State of New York, USA, without regard to conflict-of-law principles, even though JRM Creative Ventures LLC is a New Jersey–registered entity.

14.2 Arbitration Agreement (U.S. Users)

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Binding Arbitration: You and Ovr Finance™ agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules.

Class Action Waiver: YOU AND OVR FINANCE™ AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A CLASS MEMBER OR REPRESENTATIVE IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

Jury Trial Waiver: YOU AND OVR FINANCE™ WAIVE ANY RIGHT TO TRIAL BY JURY.

Opt-Out Right: You may opt out of this arbitration agreement by sending written notice to legal@ovrfinance.io within 30 days of first accepting these Terms.

14.3 International Users - Consumer Rights Preserved

EU/EEA/UK Consumers:

• You may bring disputes in the courts of your country of residence under applicable consumer protection law
• Mandatory consumer rights under EU/UK law cannot be waived by these Terms
• You may access Online Dispute Resolution (ODR) platform: https://ec.europa.eu/consumers/odr

15.1 Geographic Scope

Ovr Finance™ is primarily designed for users in the United States. If you access the Services from outside the United States:

• You are responsible for compliance with local laws
• Some features may not be available, and financial account connections are supported for US institutions only
• Services are provided from the United States

15.2 Export Controls and Sanctions

You represent and warrant that:

• You are not located in, or a national of, any U.S.-embargoed country (currently: Cuba, Iran, North Korea, Syria, Crimea region, Donetsk/Luhansk regions)
• You are not listed on any U.S. government list of prohibited or restricted parties (including OFAC SDN List)
• You will not use Services in violation of export control laws

15.3 Language

These Terms are provided in English. If translated, the English version controls.

15.4 Currency

All fees and charges are denominated in United States Dollars (USD) unless otherwise specified. Currency conversion is handled by your payment provider (Apple App Store or Google Play).

15.5 Consumer Protection Rights

European Union / EEA / UK:

• You have statutory rights that cannot be waived by contract
• These Terms do not affect your mandatory consumer rights
• Right to withdraw from distance contracts within 14 days (subject to exceptions)
• Right to dispute resolution through national enforcement authorities

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court or arbitrator of competent jurisdiction:

Severability:

• That provision will be deemed severed from these Terms
• The remainder of the Terms will remain in full force and effect
• The invalid provision will be replaced with a valid provision that most closely matches the intent of the original

Entire Clause Severability:

• If an entire clause is unenforceable, only that clause is severed
• Other clauses remain binding

Examples:

• If class action waiver is unenforceable, arbitration agreement becomes void, but all other Terms remain
• If a disclaimer is unenforceable in a specific jurisdiction, it remains enforceable elsewhere

These Terms, together with:

• Our Privacy Policy (incorporated by reference)
• Any supplemental terms for specific features (e.g., premium subscriptions)
• Payment processing terms from third parties (Apple App Store, Google Play)

Constitute the entire agreement between you and Ovr Finance™ regarding the Services.

Supersedes Prior Agreements: These Terms supersede all prior or contemporaneous oral or written communications, proposals or agreements, and understandings or representations.

No Reliance: You acknowledge that you have not relied on any statement, representation, or promise not expressly set forth in these Terms.

Amendments: These Terms may only be amended by Ovr Finance™ as provided in Section 3 (with notice to you) or by written agreement signed by both parties.

No Waiver by Conduct: Our failure to enforce any provision does not constitute a waiver of that provision or any other provision.

Additional Legal Protections (Section 17.5):

• Force Majeure: We are not liable for failures due to circumstances beyond our reasonable control
• Electronic Communications: Your consent to receive communications electronically
• DMCA Compliance: Copyright infringement reporting procedures
• Accessibility: Our commitment to ADA and WCAG compliance
• California Consumer Rights: Specific rights under California law
• Mobile Device Requirements: iOS 14.0+ or Android 8.0+ required

For questions, concerns, or communications regarding these Terms of Use:

Business Entity: Ovr Finance™ A division of JRM Creative Ventures LLC

Mailing Address: 111 Town Square Pl Ste 1238 PMB 877216 Jersey City, NJ 07310-1810 United States

Email Contacts:

• General Support: support@ovrfinance.io
• Privacy Inquiries: privacy@ovrfinance.io
• Legal Matters: legal@ovrfinance.io
• Payment Issues: support@ovrfinance.io (Subject: "Payment Issue")

Response Times:

• General inquiries: 2-3 business days
• Urgent payment issues: 24-48 hours
• Privacy rights requests: 30 days (or as required by applicable law)

For EU/EEA/UK Users: Privacy Contact: privacy@ovrfinance.io