Terms of Service

Last Updated: May 10, 2026

1. Acceptance of Terms

By accessing and using Ovrcharged.com ("we", "our", "the Service"), you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, please do not use our platform.

2. Description of Service

Ovrcharged provides a technology platform that uses artificial intelligence to analyze medical bills, identify potential coding errors, and generate templates for formal appeals. We also offer a premium negotiation service where our representatives act on your behalf.

3. Not Medical or Legal Advice

IMPORTANT: Ovrcharged is not a law firm, and our employees are not attorneys. The Service and any information provided do not constitute legal advice. We cannot guarantee specific outcomes or savings. You should consult a qualified attorney for legal advice regarding your medical debts. Furthermore, we do not provide medical advice.

4. User Responsibilities

You agree to provide accurate and complete information when uploading bills. You are solely responsible for the authenticity of the documents you upload. You agree not to upload fraudulent, forged, or unlawfully obtained medical records.

5. Data Privacy and Security

We take the security of your Personal Health Information (PHI) seriously. Please refer to our Privacy Policy and Security Center for detailed information on how we handle, store, and delete your data.

6. Limitation of Liability

To the fullest extent permitted by law, Ovrcharged and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Service, including any adverse actions taken by healthcare providers or debt collectors.

7. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by posting the updated Terms on this site.

8. Contact Us

If you have any questions about these Terms, please contact us at support@ovrcharged.com.