Terms of Service

1. Acceptance of Terms

By accessing or using Bill Saved (“the Service”), operated by Bill Saved Inc. (“we,” “our,” or “us”), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

Bill Saved is an AI-powered bill analysis and dispute resolution platform. The Service analyzes uploaded bills to identify potential overcharges, billing errors, and savings opportunities. At the user's direction, our AI may contact service providers to negotiate bill reductions on the user's behalf.

3. User Accounts

You must create an account to use the Service. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must provide accurate and complete information when creating your account and keep it updated.

You must be at least 18 years of age to use the Service. By creating an account, you represent that you are at least 18 years old.

4. Standing Authorization Agreement (SAA)

Before using Bill Saved's dispute services, you must sign a Standing Authorization Agreement (SAA). The SAA grants Bill Saved standing authority to act as your authorized representative for ALL billing disputes — current and future — with your service providers.

By signing the SAA, you expressly authorize Bill Saved to: place calls using AI-enabled voice technology on your behalf; record all calls as evidence; share your name, account reference, and authorization reference with billers during calls. The SAA is not a condition of browsing or using non-dispute features of Bill Saved.

Revocation: You may revoke your SAA at any time from your account settings with immediate effect. Revoking your SAA will cancel all pending disputes. You may sign a new SAA at any time to resume service.

4a. Dispute Activation

Each dispute creates a Dispute Activation Record (DAR) linked to your SAA. Before any call is placed, four compliance checks must pass: (1) your SAA must be active, (2) your jurisdiction must be in our service area, (3) the call must be within legal calling hours, and (4) the biller's number must not be on our internal do-not-call list. If any check fails, the dispute is queued or blocked with a clear explanation.

4b. How We Represent You

Bill Saved's AI voice agent identifies itself as your authorized representative, referencing your SAA by reference number. All calls include a recording disclosure at the start. We do not impersonate you — we act as your representative under a valid authorization, the same legal mechanism used by accountants, lawyers, and other professional representatives.

5. Fee Structure

Bill Saved charges a performance-based fee equal to 20% of verified savings. This fee is calculated based on the savings amount confirmed by you through the verification process.

How billing works: When you initiate a dispute, a temporary hold is placed on your payment method for the estimated fee amount. The hold is only captured after you verify that the provider honored its commitment (e.g., by uploading a revised bill or confirmation). If the dispute is unsuccessful or the provider does not follow through, the hold is released and you are not charged.

No charge guarantee: If Bill Saved does not save you money, you pay nothing. There are no subscription fees, setup costs, or charges for bill analysis.

6. Verification Process

After our AI obtains a verbal commitment from a service provider, you are responsible for verifying the savings by uploading confirmation documentation (such as a revised bill, email confirmation, or account credit notification). We reserve the right to independently verify savings before capturing fees.

7. Bill Uploads and Data

You retain ownership of all bills and documents you upload. By uploading a bill, you grant us a limited license to process, analyze, and store the document for the purpose of providing the Service. We will handle your data in accordance with our Privacy Policy.

8. No Guarantee of Results

While we strive to identify savings opportunities and negotiate the best possible outcomes, we cannot guarantee that every dispute will result in savings. Service providers make their own decisions about credits and rate adjustments. Our AI's analysis and negotiation is based on our best understanding of billing practices and market rates but is not a guarantee of results.

9. Acceptable Use

You agree not to: use the Service for any illegal purpose; upload bills belonging to someone else without their permission; provide false identity or account information; attempt to interfere with or disrupt the Service; reverse-engineer, decompile, or attempt to extract the source code of our AI systems; use the Service to engage in any form of fraud or misrepresentation.

10. Limitation of Liability

To the maximum extent permitted by law, Bill Saved shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or in connection with your use of the Service.

Our total liability for any claim arising from the Service shall not exceed the total fees paid by you to Bill Saved in the twelve (12) months preceding the claim.

11. Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or completely secure. We do not warrant that our AI's analysis will be 100% accurate or that all overcharges will be identified.

12. Termination

You may close your account at any time by contacting support@billsaved.com. We may suspend or terminate your account if you violate these Terms or if we reasonably believe your use of the Service poses a risk to us or other users.

Termination does not affect any fees already captured for verified savings or any obligations that by their nature should survive termination.

13. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated via email or through a notice on the website. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts located in Ontario, Canada.

15. Contact

For questions about these Terms of Service, contact us at legal@billsaved.com.