Disclaimer

The information, content, tools, features, and services provided through Overthink It are provided for general informational and reflective purposes. The Service is intended to help you slow down a situation, separate what you actually know from what you are assuming, and think about what to do next — not to give you definitive answers about another person.

We do not warrant that the Service, its content, or its outputs are:

• accurate, complete, or reliable;
• available, uninterrupted, or timely;
• free of errors, omissions, or technical defects; or
• suitable for your specific situation or relationship.

Content and functionality may change at any time without notice. You should not rely on the Service as your sole source of information or guidance for important decisions. Where a decision could significantly affect your safety, well-being, or legal or financial interests, you should seek appropriate help before acting.

Overthink It uses artificial intelligence to analyze information you provide and to generate observations, interpretations, confidence readings, suggested replies, draft messages, roleplay interactions, pattern insights, reports, and other content. AI is central to many features of the Service, so please read this section carefully.

AI-generated or AI-assisted outputs may:

• contain errors, inaccuracies, or omissions;
• be based on incomplete or misunderstood context, tone, sarcasm, or relationship dynamics;
• reflect outdated assumptions or generalizations;
• appear confident while being wrong; and
• be misleading or unsuitable for your specific situation.

AI does not understand your circumstances or intent perfectly, and it cannot reliably determine what another person thinks, feels, intends, or will do. Any reading of another person’s interest, effort, or intent is a possibility, not a fact.

You should independently review and verify AI outputs before relying on them. You remain fully responsible for the decisions, messages, and actions you take based on AI outputs — including messages you choose to send to another person. The Service does not send messages or take actions on your behalf; you initiate every action.

AI outputs are not guaranteed to be accurate, complete, appropriate, original, or suitable for a particular purpose. AI-generated content should not replace qualified professional advice where professional advice is appropriate, including mental-health, legal, financial, medical, or safety advice.

Information you submit for AI analysis may be processed by third-party AI providers as described in our Privacy Policy and AI Use & AI Privacy Notice. You should not submit information you are not authorized to share or have processed by third parties.

Overthink It allows users to submit, create, publish, post, comment, vote, and share content, including cases, journal entries, roleplay transcripts, Discover posts and polls, comments, replies, reactions, Council or War Room messages, profile information, and uploaded screenshots or images (“User Content”).

User Content:

• comes from individual users, not from us;
• may be inaccurate, incomplete, misleading, offensive, inappropriate, or unreliable;
• does not necessarily represent our views or opinions; and
• is not guaranteed, endorsed, or verified by us.

We do not pre-screen all User Content. We may review, remove, restrict, or disable access to content or accounts when we believe it is reasonably necessary to protect users, the Service, or third parties, or to enforce our policies, but we are not obligated to do so and cannot guarantee that every problematic item will be caught or removed promptly.

You are responsible for the User Content you submit, including for respecting other people’s privacy and any applicable rights or consent requirements — particularly when uploading screenshots, photos, or conversations that involve another person.

Some features let you interact with other users — including friendships, Friend Councils, War Rooms, shared cases, Discover posts, comments, reactions, and other social features.

In connection with other users:

• we do not guarantee the identity, qualifications, intentions, conduct, accuracy, or reliability of any other user;
• other users may provide inaccurate, misleading, incomplete, offensive, or inappropriate information;
• profiles, names, handles, and other information may not accurately represent a user’s real identity or circumstances;
• you are responsible for your own interactions and decisions involving other users; and
• you should exercise appropriate caution when communicating, sharing information, or meeting in real life with people you interact with through the Service.

If someone you do not know requests personal information, money, or a meeting, or otherwise makes you uncomfortable, you can stop contact, block or report the person, and decline further communication. Reports may be reviewed as described in our Safety & Reporting Policy and Community Guidelines.

Overthink It provides general informational and reflective guidance and is not a substitute for professional advice. In particular, the Service:

• is not therapy, counseling, or mental-health treatment, and does not diagnose mental-health conditions;
• is not legal advice and does not assess your legal rights or obligations;
• is not financial, tax, or investment advice;
• is not medical or safety advice; and
• does not provide professional dating-coaching services or guaranteed relationship outcomes.

If you are dealing with a serious situation — including emotional distress, a potential crisis, abuse, harassment, threats, or safety concerns — the Service is not the right place to address it. Please contact a qualified professional, a local helpline, or, where appropriate, emergency services. The Service is not a crisis line.

The Service depends on, and interacts with, third-party services, which may include:

• authentication providers (for example, Google sign-in);
• hosting, storage, and platform infrastructure (provided through Base44);
• AI providers accessed through Base44’s AI integration; and
• any other external tools or services we reasonably introduce to operate the Service.

Third-party services are governed by their own terms, policies, and technical arrangements, which we do not control. We do not guarantee their availability, accuracy, security, functionality, or privacy practices. Your use of certain third-party features (such as Google sign-in) may also be subject to those providers’ own terms. We are not responsible for the acts, omissions, or failures of third-party providers to the maximum extent permitted by applicable law.

The Site and Service may contain links to external websites or resources, such as browser-cookie-control guidance, third-party privacy policies, and help pages. External websites are controlled by third parties.

We do not necessarily endorse or verify external links or their content. We are not responsible for the content, availability, security, privacy practices, products, or services of external websites. Visiting an external link is at your own risk.

Overthink It is intended to help you think through dating situations. We do not guarantee any particular relationship outcome, emotional outcome, improvement in your dating life, accuracy of any reading, effectiveness of any suggested message, or any other result.

Dating and interpersonal situations are inherently uncertain. A reading, suggestion, or draft message that appears reasonable based on the information provided may prove inappropriate once more is known. You remain responsible for your relationships, communications, and conduct.

We do not guarantee that the Service will always be:

• available or uninterrupted;
• error-free or secure;
• timely; or
• compatible with every device, browser, or operating system.

We may modify, suspend, restrict, or discontinue the Service, or any part of it, at any time. Outages, maintenance, technical problems, third-party failures, and circumstances outside our reasonable control may affect the Service. To the maximum extent permitted by applicable law, we are not responsible for losses arising from such unavailability or interruption.

We take reasonable measures to help protect the Service and your information. However, no website, application, network, or electronic transmission can be guaranteed to be completely secure. Unauthorized access, interception, or other security incidents remain possible despite reasonable efforts. You also play a role in security by protecting your account credentials and being cautious about what you share. Additional information appears in our Privacy Policy.

By using the Service, you are responsible for:

• your use of the Service;
• reviewing and verifying information before relying on it, especially before sending a message or taking an action based on an AI output;
• protecting your account credentials and not allowing others to misuse your account;
• respecting other people’s privacy and rights when uploading, sharing, or discussing their content;
• complying with applicable laws and our policies, including the Community Guidelines; and
• your interactions with other users and the decisions you make based on information or AI outputs from the Service.

Your use of personal information and data is governed by our Privacy Policy, AI Use & AI Privacy Notice, and Cookie Policy. This Disclaimer does not duplicate those documents. For details on what we collect, how we use it, how long we keep it, and your rights, please consult them.

Privacy Policy: [PRIVACY POLICY URL]

Overthink It may contain software, design, text, graphics, logos, features, and other materials owned by or licensed to us. Third-party names, marks, or content that appear in connection with the Service (for example, Google) remain the property of their respective owners and are used only to identify those services. We do not claim ownership of your User Content or of third-party intellectual property. Nothing in this Disclaimer grants you any rights to our or a third party’s intellectual property except as expressly provided in our Terms of Service.

To the maximum extent permitted by applicable law, Student Money Mentors LLC and its owners, employees, contractors, affiliates, licensors, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of, or inability to use, the Service.

Without limiting the foregoing, this includes potential harm arising from:

• reliance on the Service, its content, or any AI-generated output;
• decisions, messages, or actions you take based on the Service;
• User Content, including content uploaded or shared by you or others;
• interactions with or conduct of other users;
• third-party services, including AI and authentication providers;
• external links or third-party websites;
• technical interruptions, outages, or data loss; and
• relationship, dating, emotional, or interpersonal outcomes.

Because the Service is currently provided without charge, to the maximum extent permitted by applicable law our total aggregate liability for claims arising from or relating to the Service will not exceed the amount you paid us for the Service during the twelve (12) months preceding the event giving rise to the claim, or the minimum amount required by applicable law if no amount was paid. Nothing in this Disclaimer excludes or limits any liability that cannot legally be excluded or limited.

We may update this Disclaimer from time to time. When we make changes, we will update the “Last updated” date and may provide additional notice when required by law or when we determine that a change is material. Your continued use of the Service after a revised Disclaimer becomes effective constitutes acceptance of the revised Disclaimer to the extent permitted by applicable law.

If you have questions about this Disclaimer, please contact us:

Student Money Mentors LLC

Website: [WEBSITE URL]

Email: about@studentmoneymentors.com

Address: [BUSINESS ADDRESS, IF APPLICABLE]

Phone: [PHONE NUMBER, IF APPLICABLE]