Terms of Service

Last updated October 13, 2026

1. Who we are and what these terms cover

Overlay is a service of Bookbreakers LLC, a Minnesota limited liability company ("Bookbreakers", "we", "us"). These Terms of Service ("Terms") govern your use of the website at winwithoverlay.com and everything available through it (together, "Overlay" or the "Service"). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy and Refund & Trial Policy. If you don't agree, don't use the Service.

2. What Overlay is, and what it isn't

Overlay compares player-prop lines posted by daily fantasy pick'em sites with a consensus of prices posted by sportsbooks, and shows where they differ, with an estimated probability ("hit rate") and an estimated edge for each line.

• Information only. Overlay is a research and information tool. We don't accept wagers or entries, hold deposits, run contests or sweepstakes, award prizes, or place entries for anyone.
• Estimates, not guarantees. Hit rates and edges are estimates built from third-party prices and statistical assumptions. They can be wrong. A positive edge doesn't mean a pick will win, and many do not. Past results don't predict future ones.
• Not advice. Nothing on Overlay is betting, financial, investment, legal or tax advice, or a recommendation to play. Any bankroll or sizing figure we show is a calculation, not advice.
• Not affiliated. Overlay isn't affiliated with, endorsed by or sponsored by Underdog, PrizePicks, DraftKings or any sportsbook or site named on it. Their names identify the lines we compare and belong to their owners.
• Third-party data. Lines and prices come from third parties. They can be delayed, incomplete or wrong, and they change without notice. The lines you see on a site when you play are the ones that count. We update the data on a published schedule but don't guarantee any update will happen on time.

3. Eligibility

You must be at least 21 years old and able to form a binding contract to use the Service. Daily fantasy and sports wagering are legal in some places and not others. You're responsible for knowing and following the laws that apply to you and the terms of any site you play on. Don't use Overlay where doing so would be unlawful.

4. Your account

You need an account to use the board. Sign-in is provided by our authentication provider, Clerk. Keep your sign-in details secure and tell us promptly at customersupport@winwithoverlay.com if you think someone else has used your account. An account is for one person: don't share it, sell it or let others use it. You're responsible for activity on your account.

5. Subscription, free trial and billing

• Plans. Overlay has a free plan and a paid plan, Overlay Premium. The free plan costs nothing and shows the board with fewer features and less frequent updates; we may change what it includes. Premium is $10 per month (US dollars), plus any applicable taxes, and covers every sport on Overlay while you're subscribed.
• Free trial. New members get a 5-day free trial of Premium, one per person and one per payment card. We may ask for a payment method to start it. If the card you use has already had a free trial on another Overlay account, you don't get another one: your subscription starts straight away and your card is charged the first month's price when you sign up. If you don't cancel before the trial ends, your subscription starts and your payment method is charged the monthly price, and then that amount every month.
• Automatic renewal. Your subscription renews automatically each month until you cancel. By subscribing, you authorize us, through our payment processor, to charge your payment method each month.
• Cancelling. You can cancel any time from your account page or by emailing us. Cancelling stops future charges; you keep Premium until the end of the period you've paid for, and then your account moves to the free plan.
• Refunds. Our Refund & Trial Policy explains when we refund. An account suspended or closed for breaking these Terms gets no refund (section 9).
• Your price stays the same. When you start a paid subscription, its price stays what it was when you subscribed for as long as that subscription remains active without a break. If you cancel it, or a payment fails and isn't fixed, and you later subscribe again, the price at that time applies.
• Price changes. We may change our prices for new subscriptions. A price change doesn't apply to a subscription that is already active, as described above.
• Payments. Payments are processed by our payment processor, Stripe. We never see or store your full card number.

6. How you may use Overlay

We give you a personal, non-transferable, revocable right to use the Service for your own, non-commercial use while your account is in good standing. You agree not to:

• use bots, scrapers, scripts or other automated means to access the Service or copy its data, or try to get around rate limits or access controls;
• copy, download in bulk, resell, redistribute, publish or build a product or data feed from the Service's data (our data providers' terms forbid redistributing it);
• share your account or access, or let anyone else use the Service through your account;
• reverse engineer, probe, disrupt or overload the Service, or access parts of it you aren't authorized to use;
• use the Service for anything unlawful or in breach of another site's terms.

Sharing a screenshot of a single row with a friend is fine. Systematically copying the board is not.

7. Our content

The Service, including its software, design, text and our calculations and presentation of data, belongs to Bookbreakers or its licensors and is protected by law. Third-party data remains subject to its owners' rights. These Terms don't give you any ownership of the Service or its content.

8. Changes and availability

We may change, add or remove features, sports or data sources, or suspend the Service for maintenance. If a change materially reduces what you pay for, we'll tell you, and you can cancel. We don't promise the Service will always be available, error-free or uninterrupted.

9. Ending your use

You can stop using Overlay and cancel at any time. We may suspend or close an account that breaks these Terms, puts the Service or others at risk, or where we're required to by law. If we suspend or close your account because you broke these Terms, you won't receive a refund of any payment, including the unused part of the current paid period. If we close your account for reasons other than a breach of these Terms, we'll refund any unused portion of the current paid period.

10. Disclaimers

The Service is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose and non-infringement. We don't warrant that any estimate, line, price or result is accurate, complete or current.

11. Limits on our liability

To the fullest extent the law allows: (a) we aren't liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, winnings, entry fees, wagers or data; (b) we aren't responsible for any entry, wager or decision you make, or its outcome; and (c) our total liability for any claim relating to the Service is limited to the greater of the amount you paid us in the 12 months before the claim arose, or $50. Some jurisdictions don't allow some of these limits, so they may not all apply to you.

12. Indemnity

You agree to indemnify and hold Bookbreakers harmless from claims, losses and expenses (including reasonable legal fees) arising from your breach of these Terms or your misuse of the Service.

13. Disputes and governing law

These Terms are governed by the laws of the State of Minnesota, without regard to its conflict-of-law rules. If you have a concern, please email us first: most issues can be sorted out quickly. If we can't resolve a dispute informally within 30 days, it will be decided exclusively by the state or federal courts located in Minnesota, and you and we consent to their jurisdiction. Either of us may bring a qualifying claim in small-claims court instead.

14. Changes to these Terms

We may update these Terms. We'll post the new version here with a new date, and for material changes we'll email account holders at least 14 days before they take effect. Continuing to use the Service after that means you accept the updated Terms.

15. General

If any part of these Terms is found unenforceable, the rest stays in effect. Our not enforcing a right isn't a waiver of it. You may not transfer these Terms; we may transfer them as part of a sale or reorganization of our business. These Terms, the Privacy Policy and the Refund & Trial Policy are the entire agreement between you and us about the Service.

16. Play responsibly

Only play with money you can afford to lose, set limits, and take breaks. If gambling is becoming a problem for you or someone you know, call or text 1-800-GAMBLER for free, confidential help, 24/7.

17. Contact

Bookbreakers LLC, Minnesota. Email customersupport@winwithoverlay.com.