Terms of Service

1. Acceptance of Terms

By accessing or using OverSkill ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

2. Description of Service

OverSkill is an AI-powered platform that enables users to create custom web applications through natural language descriptions. The Service includes app generation, hosting, deployment, and related features.

3. User Accounts

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Ensuring your account information is accurate and current

4. Acceptable Use

You agree NOT to use the Service to:

• Violate any applicable laws or regulations
• Create applications that infringe intellectual property rights
• Generate malicious, harmful, or deceptive content
• Harass, abuse, or harm others
• Distribute spam, malware, or phishing content
• Attempt to gain unauthorized access to our systems
• Create applications for illegal gambling, adult content, or fraud
• Resell or redistribute the Service without authorization

5. Intellectual Property

Your Content

You retain ownership of the content and prompts you provide. You grant us a license to use this content to provide the Service, including processing by AI systems.

Generated Applications

Applications generated through the Service are owned by you, subject to any third-party licenses for included components, libraries, or templates.

Our Service

The OverSkill platform, including its design, features, and underlying technology, remains our intellectual property.

6. Payment and Billing

• Fees are billed according to your selected plan
• Usage-based charges (API calls, AI tokens, integrations) may apply
• Payments are processed securely through our payments provider, Whop Inc.
• Refunds are handled according to our refund policy
• We may change pricing with 30 days notice

6a. OverSkill Payments — Creator Processing Fees

When you use OverSkill Payments to accept money on a generated app, pass-through processing fees apply. These are the underlying card-network, bank-rail, and risk-tooling costs charged by our payments provider (Whop Inc.) and downstream processors. OverSkill does not add a platform fee on top of these rates.

The current fee schedule is published at overskill.com/pricing/payments and is binding upon transactions settled while that version is in effect. We give 30 days notice via email to active payment-accepting creators before any rate change takes effect.

Key points covered by the fee schedule:

• Card & wallet processing rates (domestic + international + currency conversion)
• Alternative payment methods (ACH, buy-now-pay-later)
• Payout fees by destination (ACH, RTP instant, wire, crypto, Venmo, international)
• Fraud protection charges (3DS, Radar, disputes, RDR alerts)
• Optional revenue-optimization tools (orchestration, billing, tax remittance)
• Affiliate program processing fees

Failed transactions are not charged. Refunds return the customer's money but the original card-network processing fee is not refunded (standard industry practice). Won dispute amounts are returned; lost disputes are not. Volume discounts are available for accounts processing more than $250,000 per month — contact [email protected] for a custom quote.

7. AI-Generated Content

The Service uses artificial intelligence to generate application code. You acknowledge that:

• AI output may not always be accurate, complete, or suitable for your purposes
• You are responsible for reviewing and testing generated code before deployment
• We do not guarantee that generated content is free from errors or security vulnerabilities
• You should not rely solely on AI-generated code for critical applications without human review

8. Service Availability

We strive to maintain high availability but do not guarantee uninterrupted service. We may perform maintenance, updates, or experience outages. We will notify users of planned maintenance when possible.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OVERSKILL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY.

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify and hold harmless OverSkill from any claims, damages, or expenses arising from your use of the Service, your applications, or violation of these Terms.

11. Termination

We may suspend or terminate your access to the Service at any time for violation of these Terms. You may terminate your account at any time. Upon termination, your right to use the Service ceases, and we may delete your data after a reasonable retention period.

12. Modifications to Terms

We may modify these Terms at any time. Material changes will be notified via email or through the Service. Continued use after changes constitutes acceptance of the modified Terms.

13. Governing Law

These Terms shall be governed by the laws of the United States and the State of Delaware, without regard to conflict of law principles.

14. Contact

For questions about these Terms, contact us at: