Terms of Service

Agreement to these Terms

By creating an account, submitting a bill or otherwise using our website or service, you agree to these Terms and to our Privacy Policy, Fee & Refund Policy and SMS Terms, which are part of these Terms. If you do not agree, please do not use our service.

Our service

Bill Less America negotiates recurring household bills, such as internet, TV, landline phone, wireless, home security and similar services, for customers nationwide across the USA. You send us a bill, we review it, and we contact your provider to ask for a lower rate, promotions or credits you may qualify for. You can read about each step on our How It Works page.

Creating an account and submitting a bill are free, and we do not need a credit card to get started. We do not provide internet, TV, phone or other services ourselves, we do not pay your bills, and we do not lend money or offer debt relief or credit repair.

Eligibility

To use our service, you must be at least 18 years old, be a resident of the United States, and be the holder of each account you submit or have the account holder's permission to manage it. You must be able to form a binding contract under the law that applies to you.

Your account

You agree to give us true, accurate and complete information and to keep it current. You are responsible for keeping your password confidential and for activity that happens under your account. Tell us right away if you believe someone has used your account without your permission.

Your authorization for us to act as your agent

When you submit a bill, you appoint us as your limited agent for the sole purpose of negotiating that account with your provider. This limited authorization lets us:

• Speak, chat or correspond with your provider about the account you submitted

• Share the account and verification details your provider needs to confirm that we are acting for you

• Ask about rates, promotions, credits, discounts and plan options for that account

• Change your rate or plan with your approval, as described below

• Receive information from your provider about your account and the results of the negotiation

Your approval. By submitting a bill, you approve us to accept offers that lower your cost while keeping the services you asked us to keep. We will ask you first, and will not proceed without your approval, before accepting any offer that removes or reduces a service, such as a slower internet speed or fewer channels, adds a new service, requires a new contract or term commitment, or could result in an early termination fee.

This authorization does not allow us to open new accounts in your name, make payments for you or cancel your service unless you specifically ask us to. Your provider may ask you to confirm our authorization directly, and you agree to help when needed. You may withdraw this authorization at any time by contacting us. Withdrawal does not affect a fee for savings we secured before you withdrew it.

Our fee

You pay nothing unless we lower your bill. If we do, you pay a one-time fee equal to 25% of the total savings over the term of the new rate. The term is the length of time the new rate applies under the offer we secure, which is 12, 24 or 36 months.

After the savings are confirmed, we show them to you in a fee summary that lists your old rate, your new rate, the term and the fee calculation, and our team contacts you to arrange the one-time fee. No payment is collected on this website or in the customer portal, and we never ask for card or bank details online. If we cannot lower your bill, you owe us nothing. The fee is due once, not every month.

Example

If we lower your bill by $40 a month and the new rate lasts 24 months, your total savings are $960. Our one-time fee is 25% of that amount, or $240, and you keep $720.

See our Pricing page for more examples and our Fee & Refund Policy for how the fee is arranged and how refunds work.

What counts as savings

Savings are the amount by which your cost goes down because of our negotiation. They include:

• Recurring rate reductions. The difference between your monthly rate before we negotiated and your new monthly rate for the same or comparable services, multiplied by the number of months in the term

• One-time credits and refunds. Credits, refunds or waived charges your provider applies to your account, counted once at their face amount rather than multiplied by the term

Savings do not include changes you make on your own, discounts or promotions already on your account before we started, or changes in taxes and government fees. If your provider reverses or shortens the savings through no action of your own, our Fee & Refund Policy explains how we adjust the fee.

Arranging the fee

When your savings are confirmed, our team contacts you by phone or email to arrange the one-time fee and agree on when it is due. No payment is collected on this website or in the customer portal, and we never ask for card or bank details online.

If you believe your fee summary is wrong, contact us before the fee is settled so we can review it. If a fee remains unsettled after the date we agreed, we will send reminders. If it is still unsettled, we may pause work on your other bills, close your account and use lawful collection methods. If you are having trouble with the fee, contact us and we will work with you.

Your responsibilities

You agree to:

• Upload bills that are current, complete and readable, and tell us which services you want to keep

• Tell us promptly if your provider, account or contact details change, or if you contact your provider about the same account while we are negotiating

• Keep paying your provider as usual. You remain responsible for your provider account, including payments, late fees and equipment

• Review the new rate when we report it and let us know promptly if something looks wrong

• Settle the one-time fee with our team when a fee is due

• Use our service only for lawful purposes and only for accounts you own or are authorized to manage

• Not misuse our website, including by interfering with its operation, attempting unauthorized access or uploading harmful files

No guarantee of savings

We work hard to lower your bills, but we cannot guarantee any result. Providers decide what offers to make, and some accounts are already at the best available rate. Estimates on our website, including in our Savings Calculator, are illustrative only. See our Disclaimer.

Communications and electronic records

You agree that we may provide notices, fee summaries and other communications electronically, by email or in your customer portal, and that these satisfy any legal requirement that they be in writing. You may ask for a paper copy by contacting us.

You agree that Bill Less America may contact you by email and phone about your account and negotiations. If you opt in to text messages, our SMS Terms apply. Consent to receive text messages is not a condition of purchase. Calls with our team may be monitored or recorded for quality and training where permitted by law.

Cancellation and termination

You can withdraw a bill or close your account at any time by contacting us. If you cancel before we secure savings, you owe nothing. If we have already secured savings that apply to your account, the fee for those savings is still due.

We may suspend or close your account if you break these Terms, provide false information, fail to settle a fee that is due or use our service in a way that could harm us, your provider or others. Sections that by their nature should continue, including fees owed, disclaimers, limitation of liability, indemnification and dispute resolution, survive termination.

Intellectual property

Our website, customer portal, logos, text, graphics and software are owned by Bill Less America LLC or our licensors and are protected by intellectual property laws. We grant you a limited, personal, non-transferable right to use them only to access our service. You may not copy, modify, distribute or reverse engineer them without our written permission. You keep ownership of the bills and information you upload, and you give us permission to use them to provide our service as described in our Privacy Policy.

Disclaimers

To the fullest extent permitted by law, our website and service are provided "as is" and "as available," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that our website will be uninterrupted or error-free.

Your providers are independent companies. We are not responsible for their decisions, billing errors, service changes, outages or failure to honor an offer. Some states do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

Limitation of liability

To the fullest extent permitted by law, Bill Less America LLC and its members, employees and agents will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits or data, arising from or related to our website or service.

To the fullest extent permitted by law, our total liability for any claim arising from or related to these Terms or our service is limited to the greater of the fees you paid us in the 12 months before the claim arose or one hundred US dollars. These limits do not apply where the law does not allow them, including liability for gross negligence or willful misconduct.

Indemnification

To the extent permitted by law, you agree to defend, indemnify and hold harmless Bill Less America LLC and its members, employees and agents from claims, losses and expenses, including reasonable attorneys' fees, arising from your breach of these Terms, information you provide that is false or that you were not authorized to share, or your misuse of our service.

Dispute resolution and arbitration

Informal resolution first

Most concerns can be resolved quickly. Before starting arbitration or a court case, you and we each agree to send the other a written notice describing the dispute and the relief requested. Send your notice to info@billlessamerica.com with your name and the email address on your account. We will try in good faith to resolve the dispute informally within 60 days of receiving the notice.

Binding individual arbitration

If we cannot resolve the dispute informally, you and we agree that any dispute, claim or controversy arising from or related to these Terms or our service will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The Federal Arbitration Act governs this agreement to arbitrate. A single arbitrator will decide the dispute and may award the same individual relief a court could. Payment of filing and arbitrator fees will follow the AAA Consumer Arbitration Rules. Hearings may take place by phone or video, or in person in the county where you live, as the rules allow. The arbitrator decides questions about the scope and enforceability of this agreement to arbitrate, except as stated in the class action waiver below.

Small claims court

Either of us may instead bring an individual claim in small claims court in the county where you live, as long as the claim qualifies and stays in that court.

Class action and jury trial waiver

You and we agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated or representative proceeding. The arbitrator may not combine claims of more than one person. If a court finds this waiver unenforceable for a particular claim, that claim must be decided in court, not in arbitration. To the extent permitted by law, you and we waive any right to a jury trial.

Your right to opt out

You may opt out of this arbitration agreement by emailing info@billlessamerica.com within 30 days after you first accept these Terms, with the subject line "Arbitration opt-out" and your name and account email address. Opting out does not affect any other part of these Terms.

Governing law and venue

These Terms are governed by the laws of the State of Texas, without regard to its conflict of law rules, and by the Federal Arbitration Act for the agreement to arbitrate. For any dispute that is not subject to arbitration and is not brought in small claims court, you and we agree to the jurisdiction of the state and federal courts located in the State of Texas. Nothing in these Terms limits consumer protections that the law of your state of residence gives you and that cannot be waived by agreement.

Changes to these Terms

We may update these Terms from time to time. We will post the new version on this page with a new date and, for material changes, notify you by email before they take effect. Changes do not apply to a fee for savings we secured before the change or to a dispute that arose before it. If you keep using our service after a change takes effect, you accept the updated Terms.

Severability

If any part of these Terms is found invalid or unenforceable, that part will be enforced to the maximum extent permitted, and the rest of these Terms will remain in full effect.

Entire agreement and other terms

These Terms, together with the policies they refer to, are the entire agreement between you and us about our service and replace any earlier agreements on the same subject. Our failure to enforce a provision is not a waiver of it. You may not transfer your rights under these Terms without our consent, and we may assign them as part of a merger, acquisition or sale of assets. We are not responsible for delays caused by events beyond our reasonable control.

Contact us

Questions about these Terms? Contact Bill Less America LLC:

• Email: info@billlessamerica.com

• Phone: (440) 762-1012

• Hours: Monday to Friday, 9:00 AM to 9:00 PM Central Time

You can also send us a message through our Contact page.