Effective Date: January 1, 2026

By accessing or using the services of Overage Refund Group LLC (“we,” “our,” or “us”), including submitting forms, requesting information, scheduling consultations, or opting in to SMS communications, you agree to these Terms of Service.

1. Services
Overage Refund Group provides overage recovery consulting, surplus funds assistance, claim support services, educational resources, appointment scheduling, client communications, and related services designed to help individuals identify and recover eligible surplus funds.
We reserve the right to modify, suspend, or discontinue services at any time.

2. Program Description
By opting in to receive SMS communications from Overage Refund Group, you agree to receive text messages related to:

• Responses to inquiries
• Consultation scheduling and appointment reminders
• Claim status updates
• Client support communications
• Document request notifications
• Service-related updates and announcements
• Optional promotional messages (only if marketing consent is provided)
• Message frequency varies.

3. Opt-In Consent
You may opt in to receive SMS messages by submitting your phone number through our website forms, consultation request forms, application forms, booking pages, or other communication channels where SMS consent is requested.
Consent is not a condition of purchase.
SMS consent is collected through clear, optional, and unchecked checkboxes.
You must be at least 18 years old to use our services or opt in to receive SMS communications.

4. Cancellations & Opt-Out
You may cancel the SMS service at any time.
To opt out, text STOP to the number from which you receive messages. After you send STOP, you will receive a confirmation message and will no longer receive SMS messages from us.
To rejoin, simply submit a new consent form through our website or contact us directly.

5. Help & Support
If you are experiencing issues with the messaging program, you can reply HELP for assistance or contact us directly.
Website: https://overagerefundgroup.us/
For support inquiries, please use the contact information available on our website.

6. Carrier Liability
Mobile carriers are not liable for delayed or undelivered messages.

7. Message Frequency & Cost
Message frequency varies depending on your inquiries, consultations, claim activity, and interactions with our services.
Standard message and data rates may apply for messages sent to you from us and from you to us. If you have questions about your messaging or data plan, please contact your wireless provider.

8. Age Restriction
You must be at least 18 years of age to use our services or opt in to SMS communications.
By using our services, you represent and warrant that you are 18 years of age or older.

9. User Responsibilities
You agree to:

• Provide accurate and current information
• Use our services only for lawful purposes
• Not misuse or interfere with our systems, website, or communications
• Maintain the confidentiality of any account credentials you create
• Provide truthful information regarding any surplus funds or overage claims

10. Privacy
Your information will be handled in accordance with our Privacy Policy.
If you have questions regarding privacy practices, please review our Privacy Policy available on our website.

11. Limitation of Liability
Overage Refund Group is not liable for any indirect, incidental, special, or consequential damages arising from your use of our services, website, communications, or claim assistance services.
Nothing in these Terms limits liability where prohibited by applicable law.

12. No Guarantee of Recovery
While we assist clients in identifying and pursuing potential surplus funds or overage claims, we do not guarantee that any funds exist, that a claim will be approved, or that recovery will be successful.
Results may vary based on individual circumstances, government agency requirements, court procedures, and claim eligibility.

13. Changes to Terms
We may update these Terms of Service at any time. Any changes will be posted on this page with an updated effective date.
Continued use of our services constitutes acceptance of any changes.

14. Governing Law
These Terms are governed by and construed in accordance with the laws of the jurisdiction in which Overage Refund Group operates, without regard to conflict of law principles.

15. Contact Information
Overage Refund Group
Website: https://overagerefundgroup.us/

For questions regarding these Terms of Service, please contact us through the contact methods provided on our website.