Terms of Service

These Terms of Service ("Terms") are an agreement between you and Billhound, Inc. ("Billhound," "we," "us"), a Florida corporation. They govern your use of askbillhound.com and our bill review and negotiation services (the "Service"). By submitting a bill, creating an account, or clicking to accept, you agree to these Terms. If you do not agree, do not use the Service.

1. What the Service is

Billhound reviews consumer bills you send us (for example cable, internet, wireless, and home security bills), identifies charges we believe can be reduced, and, with your written authorization, negotiates with your service providers on your behalf to lower what you pay. Negotiation and review are performed using a combination of automated technology and human oversight.

2. The free review

Sending us a bill for review is free. There is no sign-up fee, no subscription, and no obligation. After reviewing your bill, we will either send you a written estimate of the savings we believe we can win (a "Savings Offer") or tell you plainly that we did not find anything worth pursuing.

3. Your authorization

We will not contact any of your service providers until you have (a) accepted a Savings Offer, (b) signed a limited authorization permitting us to communicate and negotiate with the named provider on your behalf, and (c) placed a valid payment card on file as described in Section 4. Your authorization is limited to the accounts and providers you approve. We will not accept changes to your service plan that reduce your level of service without presenting the option to you first and receiving your approval.

4. Fees, card pre-authorization, and billing

• Success fee, recurring bills. For recurring service bills, our fee is the percentage of your first twelve months of verified savings stated in your Savings Offer, and it will never exceed 50% of first-year verified savings. If we win no savings, you owe no fee.
• Success fee, one-time bills. For one-time bills (for example medical, dental, veterinary, repair, or laboratory bills), our fee is stated in your Savings Offer and is either (a) a flat fee for bills under $500, or (b) a percentage of the verified reduction for bills of $500 or more, charged once after the reduction is verified. If the verified reduction on any bill is less than $25, the fee is waived entirely. One-time fees will never exceed 50% of the verified reduction.
• Verified savings. For one-time bills, "verified savings" means the confirmed reduction between the billed amount and the final amount owed. For recurring bills, "verified savings" means the difference between what your provider charged you before our negotiation and what it charges you after, as confirmed by your updated bill, a provider confirmation, or equivalent documentation, multiplied by the number of months the reduction applies during the twelve months following the change (or measured one-time credits, for one-time reductions).
• Card on file and pre-authorization. Before negotiation begins, you must place a valid credit or debit card on file through our payment processor, Stripe. By doing so, you authorize Billhound to (a) place a temporary pre-authorization hold to validate the card, and (b) charge the card for our success fee if and when savings are verified, on the schedule stated in your Savings Offer. Card details are collected and stored by Stripe; Billhound does not store your full card number.
• Installments. Unless your Savings Offer states otherwise, our fee is charged in monthly installments over the period stated in your Savings Offer, timed so that your monthly installment is less than your verified monthly savings for reductions of a recurring charge.
• Failed payments. If a charge fails, we may retry it, and we may suspend further negotiation work on your accounts until payment is brought current. You remain responsible for fees on savings already verified.
• Recurring-billing disclosures. Charges will appear from Billhound, Inc. You can see your fee schedule at any time by contacting us through the site form. You may dispute any fee with us directly and we will review it against the verification documentation.

5. Cancellation

You may cancel at any time by contacting us through the site form. Cancellation stops future negotiation work immediately. Fees already owed on savings verified before cancellation remain payable, because that money stays in your pocket every month. Canceling does not undo the lower rates we won for you.

6. No guarantees

We cannot and do not guarantee any particular result, savings amount, or provider response. Example figures on our website are illustrations, not promises. Providers set their own prices and policies and may change them at any time, including after a successful negotiation.

7. Your responsibilities

• You confirm the bills and accounts you submit are yours or ones you are authorized to manage, and that the information you give us is accurate.
• You agree to send us the post-negotiation bill or allow us to confirm results with your provider so savings can be verified.
• You agree not to separately reverse, cancel, or renegotiate a completed change in order to avoid our fee for savings already verified.
• The Service is for consumers in the United States, age 18 or older.

8. Text messaging

If you opt in to text messages from Billhound, message frequency varies by the status of your negotiation, message and data rates may apply, you can reply HELP for help and STOP to opt out at any time, and consent to receive texts is not a condition of using the Service. Mobile opt-in data is never shared with third parties or affiliates for marketing or promotional purposes, as described in our Privacy Policy.

9. Intellectual property

The Billhound name, character, website, and content are owned by Billhound, Inc. and protected by law. We grant you a limited, personal, non-transferable license to use the site to access the Service.

10. Disclaimers and limitation of liability

The Service is provided "as is" and "as available." To the maximum extent permitted by law, Billhound disclaims all warranties, express or implied, and our total liability to you for any claim arising out of or relating to the Service is limited to the total fees you paid us in the twelve months before the event giving rise to the claim. We are not responsible for the acts, omissions, pricing, or service quality of your providers. Nothing in these Terms limits liability that cannot be limited under applicable law, or your non-waivable rights under consumer protection laws.

11. Disputes, arbitration, and governing law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Any dispute that cannot be resolved informally shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, and you and Billhound each waive the right to a jury trial and to participate in a class action. You may opt out of this arbitration provision by notifying us through the site form within 30 days of first accepting these Terms. Small-claims matters may be brought in small-claims court instead.

12. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will post the updated Terms here with a new "last updated" date and, where required, notify you. Continued use of the Service after changes take effect constitutes acceptance.

13. Contact

Billhound, Inc., a Florida corporation. Contact us through the form at askbillhound.com. We respond to every message, usually the same day.