Watchdog

1. Acceptance of Terms

By accessing or using Watchdog (“the Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not use the Service.

These Terms apply to all users of the Service, including without limitation users who are browsers, customers, merchants, and contributors of content.

2. Description of Service

Watchdog is an overcharge detection service that helps users identify and recover from billing errors, subscription overcharges, and unauthorized charges across their financial accounts.

Our services include:

• Automated monitoring of your connected financial accounts
• Detection of potential overcharges and billing errors
• Assistance with dispute resolution and refund claims
• Subscription management and cancellation services
• Financial insights and spending analysis

3. Account Registration and Security

Account Creation

To use our Service, you must create an account and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials.

Account Security

You are responsible for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account or any other breach of security.

Financial Account Connection

By connecting your financial accounts to our Service, you authorize us to access and analyze your transaction data solely for the purpose of providing overcharge detection services. We use bank-level security and encryption to protect your financial information.

4. User Responsibilities and Conduct

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Violate any applicable laws or regulations
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any part of the Service
• Use the Service to transmit viruses, malware, or other harmful code
• Impersonate any person or entity or misrepresent your affiliation
• Collect or harvest any personally identifiable information from the Service
• Use automated systems to access the Service without permission

5. Subscription and Payment Terms

Subscription Plans

We offer various subscription plans with different features and pricing. Current pricing and plan details are available on our website and may be updated from time to time.

Payment and Billing

Subscription fees are billed in advance on a recurring basis. You authorize us to charge your designated payment method for all applicable fees.

Refunds and Cancellation

You may cancel your subscription at any time through your account settings. Cancellations take effect at the end of your current billing period. We do not provide refunds for partial months of service, except as required by law.

Success Fees

For certain services, we may charge a success fee based on the amount of money we help you recover from overcharges. These fees will be clearly disclosed before you authorize any recovery actions.

6. Intellectual Property Rights

The Service and its original content, features, and functionality are owned by Watchdog and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service without our prior written consent.

7. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use the Service. By using the Service, you agree to the collection and use of information in accordance with our Privacy Policy.

We implement appropriate security measures to protect your personal and financial information, but we cannot guarantee absolute security of data transmitted over the internet.

8. Disclaimers and Limitations

Service Availability

We strive to maintain high service availability, but we do not guarantee that the Service will be available at all times. The Service may be temporarily unavailable due to maintenance, updates, or technical issues.

No Guarantee of Results

While we work diligently to identify overcharges and assist with recovery, we cannot guarantee specific results or the amount of money you may recover. Success depends on various factors including merchant policies and the nature of the charges.

Third-Party Services

Our Service may integrate with third-party financial institutions and service providers. We are not responsible for the availability, accuracy, or reliability of these third-party services.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Watchdog shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

Our total liability to you for all claims arising out of or relating to the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

10. Indemnification

You agree to defend, indemnify, and hold harmless Watchdog and its officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to your violation of these Terms or your use of the Service.

11. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will cease immediately. If you wish to terminate your account, you may simply discontinue using the Service and cancel your subscription.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of [Arbitration Organization], except that you may assert claims in small claims court if your claims qualify.

13. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. Your continued use of the Service after such changes constitutes acceptance of the new Terms.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid or unenforceable provision will be replaced with a valid provision that most closely matches the intent of the original provision.

15. Contact Information

If you have any questions about these Terms, please contact us: