Terms of Service

1. Acceptance of Terms

By purchasing and using BillNegotiator, you agree to these Terms of Service. If you do not agree, do not use the service.

2. Nature of the Service

BillNegotiator uses artificial intelligence (Anthropic Claude) to analyze bill images and generate suggestions. The analysis, savings estimates, negotiation scripts, and alternative plan recommendations are generated automatically by AI and are provided for informational purposes only.

Results are not guaranteed to be accurate, complete, or current. Actual savings will depend on your specific provider, account history, local regulations, and other factors outside our control.

3. Not Financial or Legal Advice

Nothing on this platform constitutes financial, legal, tax, or professional advice of any kind. BillNegotiator is not a licensed financial advisor, attorney, or insurance broker. The negotiation scripts and suggestions provided are starting points for your own conversations with service providers — not professional recommendations.

For financial, legal, or insurance decisions, please consult a qualified professional.

4. No Guarantees

We do not guarantee that using our negotiation scripts will result in any savings, plan changes, or other outcomes. Results vary based on your provider's policies, customer service representatives, and other factors beyond our control.

5. Refund Policy

Due to the digital nature of the product and immediate access upon purchase, all sales are final. If you experience a technical issue that prevents you from using the service, please contact us and we will work to resolve it.

6. Acceptable Use

You may only upload bills and documents that you own or have the right to share. You agree not to attempt to reverse-engineer, abuse, or overload the service. Each purchase grants access to one user.

7. Limitation of Liability

To the maximum extent permitted by law, BillNegotiator and its operators shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the service or reliance on AI-generated analysis.

8. Changes to Terms

We may update these terms from time to time. Continued use of the service after changes are posted constitutes acceptance of the updated terms.