Legal

Terms of Service

Effective 28 October 2026. Overlay AI (“we”, “us”, “the product”).

1. Agreement

By visiting the site, paying, downloading, installing, or using Overlay AI, you accept these terms. If you do not agree, do not use the product. You must be able to form a contract. If you use it for an organization, you have authority to bind that organization.

2. The product

Overlay AI is a desktop overlay that can capture what is on your display and, on paid plans, listen through your microphone, then show suggested text to you. It is sold as a productivity tool. We do not control your workplace, school, exam vendor, interviewer, or any third party. We do not supervise how you use it.

3. Your responsibility for use

You are solely responsible for how you use Overlay AI, who uses it on your devices, and whether that use is allowed. You must follow every law, exam rule, honor code, employment policy, contract, platform rule, and professional standard that applies to you. If a rule forbids assistance, recording, overlays, or outside tools, do not use Overlay AI in that setting.

We are not a party to your interviews, tests, classes, jobs, or client work. We do not verify that your use is permitted. Buying a license is not permission from any school, employer, testing company, or government.

4. No responsibility for outcomes

Overlay AI is provided as-is. We are not responsible for scores, hiring decisions, job performance, academic standing, licenses, certifications, or any result that follows from using or not using the product.

We are not liable for disciplinary action, investigation, failing a class, honor-code findings, termination, loss of an offer, loss of a contract, lawsuits by third parties, fines, or any other negative consequence that you, your school, your employer, a testing company, a client, or a regulator attributes to your use of Overlay AI or to anyone using your account or device.

5. Disclaimer of warranties

To the fullest extent allowed by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, quiet enjoyment, and non-infringement. We do not warrant that the overlay is invisible in every capture path, that answers are correct, that audio is complete, or that the service will be uninterrupted or error-free. You use it at your own risk.

6. Limitation of liability

To the fullest extent allowed by law, Overlay AI and its owners, operators, contractors, and suppliers are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, lost opportunity, reputational harm, or disciplinary or legal costs, even if we were told those losses were possible.

Our total liability for any claim relating to the site, the app, billing, or these terms is limited to the amount you paid us for Overlay AI in the three months before the claim, or twenty US dollars, whichever is greater. Some places do not allow certain limits. In those places, our liability is limited to the maximum the law allows. Nothing here limits liability that cannot legally be limited, such as liability for our own fraud where that bar is forbidden.

7. Indemnity

You will defend, indemnify, and hold harmless Overlay AI and its owners, operators, and contractors from claims, damages, losses, investigations, and expenses (including lawyers’ fees) that arise from your use of the product, your content, your violation of these terms, or your violation of any law or third-party right, including claims by schools, employers, testing companies, platforms, and other users of your account.

8. Accounts, licenses, and acceptable use

Licenses are personal unless we say otherwise. Do not share, resell, or reverse engineer the app except as the law allows. Do not attack our systems. We may suspend or terminate access if we believe these terms are broken, if payment fails, or if we stop offering the product.

9. Fees, canceling, and refunds

Prices are as shown at checkout. Subscriptions renew automatically until you cancel. Canceling stops future charges. It does not refund time already paid. If you cancel, you keep access until the end of the current paid period, and you will not be billed for the next period.

We do not refund because you changed your mind, did not use the product, were unhappy with an answer, or faced discipline or other consequences from your use. If we charge you twice by mistake, or take a payment after a cancel already took effect for that period, write to help via the site Help page and we will refund the erroneous charge. Chargebacks for valid subscription periods may result in immediate loss of the license.

Manage or cancel in Overlay AI Settings → Manage billing, which opens the Stripe customer portal. Cancel is at period end with no proration.

10. Privacy

Billing email and payment details are handled by Stripe. Captures and transcripts are processed to generate answers and are not sold by us as a dataset. See the Privacy Policy.

11. Changes and termination

We may change the product or these terms. Continued use after a change means you accept the new terms. We may stop the service. If we discontinue Overlay AI entirely, unused prepaid subscription time may be refunded at our discretion; that is not a refund for canceling on your own.

12. Law

These terms are governed by the laws of the State of Florida, USA, without regard to conflict-of-law rules, except where a mandatory consumer law in your place of residence says otherwise. Courts in that state have exclusive jurisdiction, except for claims that must be heard in small-claims court or where the law requires otherwise. If a part of these terms is unenforceable, the rest remains in effect.

13. Contact

Help and billing questions: help@getoverlayai.com. Do not send legal process there unless we designate it for service of process.