Refund policy.
When OverpayOwl will refund a subscription charge, and how to request one. Note: this policy applies to the OverpayOwl subscription itself — recoveries on disputed bills are paid by the company you have a contract with, not by us.
NoticeDraft pending legal review. Paid tiers go live with Stripe; until then there's nothing to refund.
The short version
We refund Pro Investigator subscriptions in two cases:
- You signed up by mistake or were billed in error — full refund, no questions.
- Owly closed zero cases with a recovery during your first paid month and you cancel within 30 days — full refund for that month.
What we don't refund
- Months after the first where Owly opened cases (recovered or denied) — you used the service.
- The Agency tier — refund handled on a case-by-case basis since it includes onboarding.
- The Investigator (free) tier — nothing to refund.
How to request a refund
- Email billing@overpayowl.com from the address on your account.
- Include the charge date and the reason. We'll process it within 5 business days.
Cancellation vs refund
Cancellation stops future renewals — you keep access until the end of the current billing period. Refund returns the money you paid. The two are separate; cancelling doesn't automatically trigger a refund.
Chargebacks
If you have a billing concern, please reach out before issuing a chargeback. Chargebacks are slow, expensive for everyone, and Owly will resolve the issue faster directly.
Contact
Billing questions: billing@overpayowl.com.