Terms of Service

1. Acceptance of These Terms

By accessing or using OvertimeGuard.com (the “Website”) and any related tools, calculators, reports, content, or services (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Services.

These Terms form a legally binding agreement between you and Vera Brands LLC (“Vera Brands,” “we,” “us,” or “our”).

2. Who We Are

OvertimeGuard is operated by Vera Brands LLC. OvertimeGuard provides digital tools intended to help users estimate and document potential eligibility and amounts related to certain U.S. federal tax deductions, including qualified overtime compensation deductions under applicable law.

We are not affiliated with the Internal Revenue Service (IRS) or any federal, state, or local government agency.

3. Important Disclosures

3.1 No Tax, Legal, or Financial Advice

The Services are provided for informational and educational purposes only. They do not constitute tax advice, legal advice, accounting advice, or financial advice.

You are solely responsible for:

• determining whether you qualify for any deduction or credit,
• determining the correct amounts to include on any tax return, and
• preparing and filing your tax returns.

We recommend consulting a licensed tax professional (CPA, EA, or attorney) regarding your specific situation before filing any tax return.

3.2 Estimates Only

The Services generate estimates based on:

• the information you enter,
• assumptions described in the tool, and
• publicly available guidance and rules that may change.

Your actual tax result may differ due to factors including, but not limited to:

• additional income sources,
• filing status details,
• tax credits,
• itemized deductions,
• state tax rules,
• employer reporting differences, and
• future IRS forms, instructions, enforcement, or guidance updates.

3.3 IRS Guidance and Law Can Change

Tax rules and IRS guidance may be updated at any time. We do not guarantee that the Services reflect every future update, interpretation, or enforcement approach.

4. Eligibility and User Responsibilities

4.1 Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to purchase or use the Services.

4.2 Your Responsibilities

You agree to:

• provide accurate and complete information,
• maintain your own records (including paystubs and W-2s),
• verify outputs before using them in any filing or decision, and
• use the Services only for lawful purposes.

You understand that inaccurate input may produce inaccurate results.

5. Account Access (If Applicable)

Some versions of the Services may require account creation (email, password, or other authentication). If an account is offered or required:

• You are responsible for maintaining confidentiality of your login credentials.
• You agree not to share access in a way that violates these Terms.
• We may suspend access if we detect abuse, fraud, or security risks.

6. Purchases, Billing, and Payments

6.1 Pricing

Prices are displayed on the Website at the time of purchase. Pricing may change at any time, but changes will not apply retroactively to completed purchases.

6.2 Payment Processing

Payments are processed through third-party payment providers such as Stripe. We do not store your full payment card information.

By purchasing, you agree to the payment processor’s terms and privacy practices.

6.3 Digital Delivery

The Services are delivered digitally. No physical items are shipped.

Access may be provided:

• immediately after purchase, or
• within the delivery timeframe displayed on the Website at checkout or purchase confirmation.

7. Refund Policy

Our refund policy is described on the Refund Policy page, which is incorporated into these Terms by reference.

Unless otherwise stated on the Refund Policy page:

• Refund requests must be submitted within the stated refund window.
• Refund requests must be sent to the contact email listed on the Website.
• Refunds are issued to the original payment method when possible.
• We may decline refund requests where we detect fraud, abuse, or repeated refund behavior.

8. Prohibited Uses

You agree not to:

• use the Services for unlawful purposes,
• attempt to reverse engineer, copy, or resell the Services,
• interfere with the Website’s security or performance,
• use bots or scraping tools to extract content or calculations,
• misrepresent the Services as “IRS approved” or affiliated with any government agency,
• use the Services to generate fraudulent tax filings or fraudulent documentation.

We may suspend or terminate access for violations.

9. Intellectual Property

All content and technology in the Services, including text, designs, calculations, formulas, workflows, brand elements, and software, are owned by or licensed to Vera Brands LLC and protected by intellectual property laws.

You may not copy, reproduce, distribute, sell, or create derivative works from the Services without our written permission.

10. Output Reports and Documentation

If the Services provide downloadable reports:

• Reports are generated from your inputs and the system’s calculation logic.
• Reports are for your personal recordkeeping and informational purposes.
• We do not guarantee that any report will satisfy every audit request or IRS inquiry.
• You remain responsible for maintaining supporting documentation (paystubs, W-2s, employer statements).

11. Third-Party Services and Links

The Website may include links to third-party websites or services. We are not responsible for third-party content, policies, or practices. Your use of third-party tools is at your own risk.

12. Service Availability and Changes

We may update, modify, pause, or discontinue parts of the Services at any time. We do not guarantee uninterrupted availability. Maintenance, updates, or technical issues may cause temporary downtime.

13. Disclaimers

To the maximum extent permitted by law, the Services are provided “as is” and “as available” without warranties of any kind, whether express or implied. We disclaim all warranties including, without limitation: fitness for a particular purpose, accuracy, reliability, availability, non-infringement.

14. Limitation of Liability

To the maximum extent permitted by law:

• Vera Brands LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages.
• Vera Brands LLC will not be liable for any loss of profits, loss of savings, loss of data, or tax penalties resulting from use of the Services.
• Our total liability for any claim related to the Services will not exceed the amount you paid for the Services in the twelve (12) months before the event giving rise to the claim.

15. Indemnification

You agree to indemnify and hold harmless Vera Brands LLC, its owners, employees, contractors, and affiliates from any claims, damages, liabilities, and expenses (including legal fees) arising out of: your misuse of the Services, your violation of these Terms, your tax filing decisions, or your violation of any law or regulation.

16. Termination

We may terminate or suspend your access at any time if: we suspect fraud or abuse, you violate these Terms, or required by law.

You may stop using the Services at any time. Sections relating to intellectual property, disclaimers, limitation of liability, and indemnification will survive termination.

17. Governing Law

These Terms are governed by the laws of the state/jurisdiction where Vera Brands LLC is registered, without regard to conflict-of-law rules.

18. Dispute Resolution

Before filing any claim, you agree to contact us at contact@overtimeguard.com and allow us an opportunity to resolve the issue. If unresolved, disputes will be handled in the courts located in the jurisdiction specified in the governing law section unless otherwise required by law.

19. Changes to These Terms

We may update these Terms from time to time. The updated Terms will be posted on the Website with a new “Last updated” date. Your continued use of the Services after changes means you accept the revised Terms.

20. Contact Information