Store My Library Blog
About Contact

Terms of Service

Overage Acquisition, Inc.
Last updated: September 2, 2026

These Terms of Service (the "Terms") are a binding agreement between you and Overage Acquisition, Inc. ("Overage Acquisition," "we," "us," or "our"). They govern your use of overageacquisition.com and any related pages we operate (the "Site"), the free training we offer on the Site, our paid program Master Training: Overage Acquisition, and every course, lesson, coaching session, community, template, document, tool, recording, email, and other material we provide (together, the "Services").

By visiting the Site, submitting the free-training form, purchasing, or using any part of the Services, you accept these Terms, our Refund Policy, our Earnings Disclaimer, and our Privacy Policy, each of which is incorporated here by reference. If you do not agree, do not use the Services.

1. Who may use the Services

You must be at least 18 years old, legally able to enter a binding contract, and located in a jurisdiction where use of the Services is lawful. When you purchase, you confirm that the name, email address, and payment details you provide are accurate and belong to you, and that you are buying for your own use, not for resale or on behalf of a group.

2. What we provide

2.1 Free training. The Site offers a free video training on how tax-sale surplus funds (also called overages or excess proceeds) are created and recovered. Access is provided in exchange for your first name and email address (see Section 12 on communications). The free training is educational content only; it is not part of the paid program and creates no obligation on either side.

2.2 Master Training: Overage Acquisition. Our paid program is an online education and coaching product about locating surplus funds and excess proceeds, identifying and contacting the people entitled to them, preparing and filing claims, and operating a recovery business. As described on the Site at the time of purchase, it includes:

  • the complete course curriculum, delivered as video lessons and written material inside our members' area (hosted on Kajabi);
  • ready-to-use templates and documents (for example, outreach letters, agreements, checklists, and claim worksheets), which you may adapt for your own recovery business;
  • access to the lead sources, research methods, and tools taught in the course;
  • one-on-one coaching and ongoing support through the channels we make available (currently email, scheduled Zoom sessions, a private members' group, and our YouTube library);
  • updates to the course material for as long as we continue to offer the program ("lifetime updates").

2.3 What we do not provide. We sell education and coaching. We do not sell a job, employment, a franchise, a business opportunity in the regulatory sense, a security, or an investment. We do not recover funds for you, file claims for you, act as your agent, partner, or employer, or share in your recoveries. We do not guarantee that surplus funds exist in any county, that any claimant will hire you, or that any agency will approve a claim.

2.4 Changes to the program. We may add, update, replace, or retire lessons, templates, tools, coaching formats, and support channels as laws, county procedures, and technology change. We will not remove the core curriculum you purchased without providing a reasonable substitute.

3. Price and payment

3.1 Price. The price of Master Training: Overage Acquisition is stated on the Site and at checkout. At the date of these Terms it is offered as a single payment of $985 or three monthly payments of $349. Prices are in U.S. dollars and may change; the price shown at the time you complete checkout is the price you pay.

3.2 Payment processing. Payments are processed by our third-party processors (currently Stripe and PayPal through the Kajabi checkout). We do not store your full card details. Your payment is also subject to the processor's terms.

3.3 Payment plans. If you choose the three-payment plan, you authorize us to charge the remaining installments automatically to the same payment method on the schedule shown at checkout. The plan is a convenience for paying the full price, not a subscription you can cancel part-way: once you have accessed any course material, you owe the entire purchase price regardless of how many installments have been paid. If an installment fails, we may suspend access until the balance is current, and we may pursue the unpaid balance.

3.4 Taxes. Prices exclude any sales, use, or similar tax that applies in your location. Where we are required to collect tax, it will be added at checkout.

4. Enrollment limits

We limit enrollment to a set number of students per quarter (currently 25) so that one-on-one coaching remains available to every student. When the cap for a quarter is reached, the Site will show the offer as closed or wait-listed. A completed purchase is your enrollment; a wait-list entry is not.

5. Your account and access

5.1 Account. Access is delivered through a member account. You are responsible for keeping your login confidential and for everything done under it. Accounts are for one named individual. Tell us promptly at [email protected] if you believe your account has been compromised.

5.2 Access term. On payment (or, for a payment plan, on the first payment), we grant you access to the program for as long as we continue to offer it, together with the updates described in Section 2.2. "Lifetime" refers to the life of the program, not yours. If we ever discontinue the program, we will give at least 90 days' notice by email and reasonable means to download the templates and documents.

5.3 Suspension. We may suspend or terminate access if you breach these Terms โ€” including sharing your login, redistributing material, or abusive conduct โ€” or if an installment is unpaid. Termination for breach does not entitle you to a refund.

6. Refunds and our 60-day guarantee

6.1 Refunds. Because the program is digital information that cannot be returned, all sales are final once you have accessed any course material. If you purchase and have not accessed anything, you may cancel for a full refund within 7 days of purchase. The full rules, including what counts as "access," are in our Refund Policy, which is part of these Terms.

6.2 The 60-day guarantee is coaching, not a refund. We offer this guarantee with the program: if you follow the system for 60 days and have not identified at least three overage cases worth pursuing, email us and we will work your pipeline with you one-on-one until you have. To use it, you must show that you completed the course lessons and applied the process during the 60 days (for example, by sharing the counties you researched and the lists you pulled). The guarantee is a commitment of additional coaching time. It is not a money-back guarantee and does not create a right to a refund.

6.3 Chargebacks. If you have a billing concern, contact us first. A chargeback on a purchase where material has been accessed, made instead of contacting us, may result in suspension of access while the dispute is reviewed, and we will provide our platform's access records to the card networks.

7. Results are not guaranteed

We make no promise that you will earn money, recover any funds, close any claim, or achieve any particular result. Figures on the Site โ€” including funds we have recovered, counties we have worked, claims we have reviewed, and years in business โ€” describe our own company's history, not what a student has earned or will earn. Check images, testimonials, and case studies show individual results that are not typical. Some students earn nothing. Recovering the cost of the program on a first claim is possible but not typical and not guaranteed. Your results depend on your effort, your skills, the jurisdictions you choose, the claims available, competition, agency processing, the economy, and your compliance with the law. Read our Earnings Disclaimer, which is part of these Terms.

8. You are responsible for compliance

Surplus-funds recovery is regulated differently in every state and in many counties, and the rules change. Some jurisdictions require a license, registration, or bond to represent claimants; some cap the fee you may charge (for example, California generally limits recovery-agreement fees to 10% of the proceeds, and Nevada applies a similar cap where the former owner occupied the home); some restrict when and how a former owner may be contacted after a sale; all have claim deadlines and documentation rules. Our lessons describe how we operate and what we have seen, but they are not a substitute for legal advice.

By using the Services you agree that you are solely responsible for:

  • determining which federal, state, and local laws apply to your business and complying with them, including licensing, bonding, fee limits, contract and disclosure requirements, and claim deadlines;
  • complying with laws that govern outreach to claimants, including the Telephone Consumer Protection Act, the CAN-SPAM Act, state do-not-call and telemarketing rules, and any applicable debt-collection, privacy, or consumer-protection laws;
  • using skip-trace and people-search services only for purposes their terms and the law permit, and handling any personal information you obtain lawfully and securely;
  • the accuracy of everything you submit to a county, court, or agency, and the terms of every agreement you sign with a claimant; and
  • obtaining your own legal, tax, and accounting advice before you begin and as you operate.

We are not liable for your failure to comply or for any consequence of it.

9. Not legal, financial, or tax advice

We are not attorneys, accountants, financial advisors, or licensed fiduciaries, and nothing in the Services โ€” including coaching answers, community discussion, and templates โ€” is legal, financial, investment, or tax advice. No attorneyโ€“client, fiduciary, or advisory relationship is created by your purchase or by any communication with us. Templates and sample documents are educational starting points; have them reviewed by counsel in each state where you use them.

10. Your license to our material

10.1 License. Subject to these Terms and payment in full, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to view the course material and to use and adapt the templates and documents in your own surplus-funds recovery business.

10.2 Restrictions. You may not:

  • copy, share, resell, sublicense, rent, publish, or distribute any part of the course, coaching, or community content;
  • share your login or let anyone else access the material through your account;
  • record, screenshot, download (except where we provide a download), transcribe, or reproduce videos, coaching calls, or community content for distribution;
  • use our material to create, market, or teach a competing course, program, coaching offer, or training;
  • use our material, in whole or in part, to train, fine-tune, prompt, or ground any machine-learning or artificial-intelligence system;
  • remove or alter any copyright or ownership notice; or
  • misrepresent yourself as affiliated with, endorsed by, or acting for Overage Acquisition.

10.3 Ownership. All course material, videos, written content, templates, documents, tools, methods, branding, and the Overage Acquisition name and logo belong to us or our licensors and are protected by copyright, trademark, and other laws. Nothing in these Terms transfers ownership to you. Work product you create for your own business using our templates is yours.

11. Coaching, community, and conduct

Where the Services include one-on-one coaching, group sessions, a members' group, or other community features, you agree to:

  • treat other members, coaches, and staff with respect, and not harass, threaten, or abuse anyone;
  • not advertise, solicit, recruit, or sell to other members without our written permission;
  • keep other members' claim details, claimants, counties, and business information confidential and not use them for your own benefit;
  • not post content that is unlawful, defamatory, infringing, or that discloses a claimant's personal information; and
  • accept that coaching is scheduled at mutually available times, that session length and frequency are as described on the Site or reasonably determined by us, and that missed sessions may not be rescheduled.

We may moderate, remove content, and suspend or remove any participant at our discretion to protect the community.

12. Communications

12.1 Email. When you submit the free-training form or purchase, you agree to receive emails from us about the training, the program, your account, and related offers. You can unsubscribe from marketing email at any time using the link in any message; we will still send transactional messages about your account and purchase.

12.2 Text messages. If we offer text-message updates and you give us your mobile number and consent, you agree to receive automated texts at that number. Consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out.

12.3 Coaching recordings. Group coaching sessions and calls may be recorded and made available to members. By participating you consent to being recorded, and you agree not to record sessions yourself except as we permit.

13. Testimonials and your feedback

If you send us a review, testimonial, result, or check image, you grant us a perpetual, royalty-free license to use it, with your first name and last initial (or as otherwise agreed), on the Site and in our marketing. Tell us in writing if you withdraw permission and we will remove it from future materials within a reasonable time. You confirm that anything you share is truthful and your own experience, and you agree that we may disclose any incentive provided for a testimonial.

14. Third-party platforms and links

The Services run on third-party platforms (currently Kajabi for the course and members' area, Stripe and PayPal for payment, Zoom for coaching, and YouTube for video) and link to county websites, auction sites, records systems, skip-trace vendors, and other tools. We do not control these services, do not endorse them, and are not responsible for their availability, accuracy, pricing, data practices, or terms. Fees charged by such services (for example, skip-trace subscriptions or county record fees) are your responsibility and are not included in the program price.

15. Disclaimer of warranties

To the fullest extent permitted by law, the Services are provided "as is" and "as available," without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Services will be uninterrupted or error-free, or that any information โ€” including county lists, statutory summaries, fee limits, and deadlines โ€” is current, complete, or applicable to your jurisdiction.

16. Limitation of liability

To the fullest extent permitted by law, Overage Acquisition and its owners, officers, employees, coaches, and contractors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost business opportunity, lost data, denied or forfeited claims, or business interruption, arising out of or relating to the Services or your recovery business, under any legal theory, even if advised of the possibility.

To the fullest extent permitted by law, our total aggregate liability for all claims arising out of or relating to the Services will not exceed the amount you actually paid us in the twelve months before the event giving rise to the claim.

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for fraud, willful injury, or violation of law.

17. Indemnification

You agree to indemnify, defend, and hold harmless Overage Acquisition, Inc. and its owners, officers, employees, coaches, and contractors from any claim, demand, loss, liability, penalty, or expense (including reasonable attorneys' fees) arising out of your use of the Services, your recovery business, your dealings with claimants, counties, courts, or agencies, your outreach practices, your breach of these Terms, or your violation of any law or the rights of any person.

18. Governing law and venue

These Terms are governed by the laws of the State of Nevada, without regard to conflict-of-laws rules. Subject to Section 19, any action arising out of or relating to these Terms or the Services will be brought exclusively in the state or federal courts located in Clark County, Nevada, and you and we consent to personal jurisdiction there. If you are a consumer entitled to the protection of the laws of your state of residence, nothing in this section removes that protection.

19. Dispute resolution

Before filing any claim, you agree to email us at [email protected] with a description of the dispute and to work with us in good faith for at least 30 days to resolve it informally. Most concerns are resolved this way. Either party may bring an individual claim in small-claims court for matters within that court's jurisdiction.

20. Termination

You may stop using the Services at any time. We may suspend or terminate your access as described in Section 5.3. Sections 6 through 10 and 13 through 22 survive termination.

21. Changes to these Terms

We may update these Terms. The date at the top shows the latest version. Material changes will be posted on this page, and where we hold your email address we will make reasonable efforts to notify you. Your continued use of the Services after a change takes effect is your acceptance of the revised Terms. Changes do not apply retroactively to disputes that arose before they took effect.

22. General

If any provision of these Terms is held unenforceable, it will be limited or severed to the minimum extent necessary and the rest will remain in force. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to a successor of the business. These Terms, with the Refund Policy, Earnings Disclaimer, and Privacy Policy, are the entire agreement between you and us about the Services and replace any prior statements, including anything said in marketing, on calls, or in the free training.

23. Contact

Overage Acquisition, Inc.
3225 McLeod Drive, Suite 110
Las Vegas, NV 89121
[email protected]
619-548-0973