Terms of Service

1. Acceptance of Terms

By downloading or using OverPay, you agree to these Terms of Service. If you do not agree, do not use the app.

2. Informational Use Only (No Financial Advice)

OverPay provides mortgage overpayment calculations to help you explore scenarios. Results are estimates and may not reflect your lender’s exact calculations, fees, or product rules.

You should consult a qualified financial adviser or your mortgage lender before making financial decisions.

3. Subscriptions (Premium)

OverPay may offer Premium features via an auto-renewing subscription.

• Billing: You will be charged via your Apple ID account at confirmation of purchase.
• Auto-renewal: Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period.
• Manage: You can manage or cancel your subscription in your Apple ID account settings.
• Pricing: Pricing may vary by region and is displayed in the app and App Store at purchase time.

Example UK pricing (if applicable): £2.99/month or £19.99/year.

4. Free Features

OverPay may include free features. Feature availability can change over time.

5. Intellectual Property

All rights, title, and interest in OverPay and its content are owned by the developer, except where otherwise stated.

6. Limitation of Liability

To the maximum extent permitted by law, the developer is not liable for any loss or damages arising from your use of OverPay, including decisions made based on calculated results.

7. Changes to the App or Terms

We may update OverPay and these terms from time to time. Continued use of the app after changes means you accept the updated terms.

8. Contact

If you have questions about these Terms, contact: hello@bowyer.digital