Terms of Service

Version: Rev 00, 15 November 2026 You can save or print these terms from this page. Your order record names the version that applied to your order, and we send you that version on request.

1. Who we are

Overbilled is run by Jonathan Kruger, a sole proprietor trading as Overbilled, South Africa. There is no company. Not VAT-registered.

• Physical address (also for legal papers): 419 Vale Avenue, Ferndale, Randburg, 2194
• Telephone: 082 314 2278
• Email: hello@overbilled.co.za
• Website: https://overbilled.co.za

"We" and "us" mean that person. "You" means the person using the service.

Codes and memberships (ECTA s43(1)(d), (e), (o)). We are not a member of any self-regulatory or accreditation body, and we do not subscribe to any code of conduct or alternative dispute resolution code.

2. What the service does

We check municipal bills, starting with the City of Johannesburg.

• Free checker. It runs in your browser and saves nothing you type. The site counts visits and finished checks (see the privacy notice).
• Paid check. The price is R349 per account, in rand. No VAT is charged. You pay online, then email us PDFs or photos of 3 to 12 months of bills for that account.
• Result. Within 2 working days of receiving usable bills, we email you a report: each finding, its amount and the rule or tariff it relies on, and the City's steps for querying it.

3. How the checks are done

An AI system (Claude, made by Anthropic) reads your bills and copies the figures into a case file. Fixed calculation rules, set out in the report, compare them with the municipality's published tariffs and rules. The service is run by an AI on behalf of the owner, who is responsible for it. A person may not read each report before it is sent; a finding that rests on the AI's own judgment is included only after a qualified person has reviewed it.

AI can make mistakes. It can misread a photo. Published tariffs can change or be unclear.

4. General information, not legal advice

The report is general information. It is not legal advice. We are not a law firm.

• You decide whether to query your bill with the City. You do it yourself.
• We never contact the municipality for you.
• We do not promise that the municipality will agree, or that you will save any money.

Check the report against your bills before you rely on it. For a serious dispute, ask an attorney.

5. What we need from you

• You must be entitled to share the bills (you are the account holder, or the owner or agent).
• Send clear, complete bills. Usable bills are readable copies of every page of 3 to 12 consecutive months of bills for one City of Johannesburg account. If something is missing or unreadable, we will tell you what. The 2 working days start when we have usable bills. Working days are Monday to Friday, except South African public holidays.
• If we don't have usable bills 30 days after you pay, we close your order and refund the full R349.
• Give a correct email address.
• Do not send anything unlawful.

6. Payment

You pay on Paystack's payment screen, by card or by any other method that screen offers you. We do not see or store your card details. The gateway has its own terms.

7. Refunds and cancelling

See the Refund Policy. In short: if you are not happy with your report, for any reason, ask within 14 days of receiving it and we refund the full R349. We also give you the 7-day cooling-off right in ECTA s44 (see the Refund Policy).

8. Your documents

Your bills are used only to do your check. We delete our copies, including the emails, 30 days after your case ends (see the Privacy Notice, section 7). Ask for any correction within 14 days of receiving your report, while we still hold your bills. After that we can't re-check them, but your rights under the Consumer Protection Act are not affected. The AI provider's own retention is set out in the Privacy Notice.

9. Our responsibility

We will do the service in the manner and quality that persons are generally entitled to expect, as the Consumer Protection Act requires (s54(1)(b)).

• Our total liability to you for any claim about the service is limited to the fee you paid for that check.
• We are not liable for losses that come from what you decide to do after reading the report, or from the municipality's response, except where the report itself was defective (see the Refund Policy, section 4).
• This does not limit anything the law does not allow us to limit. That includes your rights under the Consumer Protection Act, and liability for gross negligence or intentional wrongdoing.

10. Intellectual property

The report is yours to use for your own account. You may not resell it.

11. Changes

We may change these terms. A change does not affect a check you have already paid for.

12. Complaints

Email hello@overbilled.co.za. We will respond within 5 working days. If we cannot settle it, you may approach the National Consumer Commission or a court.

13. Law

South African law applies. These terms are subject to the Consumer Protection Act 68 of 2008 and the Electronic Communications and Transactions Act 25 of 2002.