Terms of Service

Draft — for attorney review. This document is a working draft prepared for review by a licensed attorney. It has not been reviewed by a lawyer, it is not legal advice, and it is not yet in effect. Bracketed items like [ENTITY NAME] are placeholders the owner must fill before adoption.

The short version (plain language; the numbered sections below are what controls). billoquy runs free checks of your bills against public records and tells you what it found. If you pay for a fix, we prepare it — a letter, a dispute, or a waiver request — and hand it to you. You review it, decide, and send it. We never file, send, negotiate, or pay anything on your behalf. The price of a fix is flat and never a percentage of your savings. Findings are estimates built on public records — we don’t guarantee savings or outcomes, and we don’t give legal, tax, or financial advice.

1. Who we are and what these terms cover

These Terms of Service (the “Terms”) are an agreement between you and [ENTITY NAME — e.g., Billoquy, Inc.], a [ENTITY TYPE AND STATE OF FORMATION] (“billoquy,” “we,” “us”). They govern your use of the billoquy websites (billoquy.com and app.billoquy.com), the billoquy API (api.billoquy.com), the billoquy MCP agent surface (mcp.billoquy.com), and the checks, findings, prepared fixes, and related services offered through them (together, the “Service”).

By using the Service you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. What billoquy does — we prepare, you approve

The Service does two things:

• Free diagnostic checks. You give us a bill, statement, or a few details (for example, your ZIP code). We read them against public records — utility tariff databases, FCC broadband data, hospital price-transparency files, and CFPB consumer-fee guidance — and produce a plain-language finding: what we saw, what it may be worth annually, and the public source each number traces to.
• Paid prepared fixes. If a finding is worth acting on and you choose to pay, we prepare a fix for you — for example a rate-plan switch request, an itemized-bill dispute letter, or a bank fee-waiver request — and deliver it to you for your review.

The one rule that shapes everything: billoquy prepares; you approve and you act. Nothing is filed, sent, submitted, enrolled, negotiated, or paid on your behalf. Every prepared fix is inert until you explicitly approve it in your signed-in account, and even then it is delivered to you — you are the one who reviews it, signs it where a signature is called for, and sends it to your utility, hospital, bank, or provider. billoquy is not your agent, representative, attorney-in-fact, or intermediary, and using the Service does not create any agency, fiduciary, or professional relationship between you and billoquy.

Because you are the actor, you are responsible for reviewing a prepared fix before you use it — including confirming that the facts in it (your account details, the bill lines it disputes, the amounts) are accurate — and for anything you choose to send.

3. What billoquy is not

The Service is decision support built on public records and the documents you provide. It is not professional advice, and we are not licensed professionals:

• Not legal advice. billoquy is not a law firm and does not practice law. No attorney–client relationship is created. Prepared fixes are self-help templates populated with your information for your own review and use; they are not legal documents drafted for you by a lawyer, and we do not advise you on your legal rights or represent you in any dispute.
• Not financial, tax, or credit advice. Findings about bank or card fees are comparisons against public consumer guidance, not financial planning. billoquy is not a credit repair organization, does not promise to improve your credit, and does not collect or negotiate debts.

Where a decision matters to you, take the finding — with its citations — to a licensed professional.

4. No guarantee of savings or outcomes

Findings and dollar figures are estimates, built from public records (which can be incomplete, stale, or wrong at the source), from the documents you provide (which we parse with automated systems, including AI, that can make mistakes), and from stated assumptions (for example, annualizing a monthly figure). Each finding cites its sources and its data vintage so you can check the work.

We do not promise that any check will find savings, that a prepared fix will succeed, or that any third party — your utility, hospital, bank, internet provider, or anyone else — will accept, act on, or respond to anything you send. Any decision on a dispute, waiver, or switch belongs entirely to that third party. Illustrative amounts on our site (such as “often $1,000s”) describe what checks of that kind can find; they are not a prediction or promise about your result.

Where a check cannot honestly answer for your input — for example, a hospital whose public data we have not loaded yet — it says so plainly and charges nothing, rather than guessing.

5. Who can use billoquy

You must be at least 18 years old and located in the United States to use the Service. You may use the Service on behalf of another person (for example, helping a parent with a hospital bill) only if you are authorized to handle their documents and information, and you are responsible for having that authority.

6. Your account and signing in

Signing in is passwordless: we email a one-time link to the address you give us. Your email account is therefore the key to your billoquy account — keep it secure. You are responsible for activity under your account, and you agree to give us accurate information. Anonymous free checks are protected by a human-verification challenge and rate limits; do not try to evade them.

7. Connecting an AI assistant (agent and API access)

You may connect an AI assistant to your account through our MCP surface or API by creating an agent key in your signed-in account. If you do:

• Your assistant acts under your account and on your responsibility. Anything it submits — a check it starts, a document it supplies — is attributed to you.
• An assistant can discover checks, start them, read findings, and preview a prepared fix. It cannot approve, file, send, or pay — those remain human-only actions in your signed-in account, and the Service enforces that boundary structurally.
• You can revoke an agent key at any time, and keys expire on their own. Keep keys confidential; a leaked key should be revoked immediately.
• Your assistant is provided by a third party under its own terms. We are not responsible for what your assistant does with the information the Service returns to it.

Automated access to the Service other than through the documented API and MCP surface — including scraping, bulk collection, or evading rate limits — is not permitted.

8. Prices, payment, and refunds

• Diagnostics are free. Running a check and reading its finding costs nothing.
• Prepared fixes are a flat price, shown before you pay. The price is never a percentage of, contingent on, or otherwise tied to your savings or outcome. We succeed by preparing good fixes, not by taking a cut.
• Payment is processed by Stripe. We do not store your full card details. You agree to Stripe’s terms when you pay. Prices may change, but never for a purchase you have already made. Applicable taxes may be added where required.
• Refunds. [REFUND POLICY — owner + attorney to finalize. Proposed: if you paid for a fix and we have not yet delivered the prepared fix to you, we will refund the payment in full on request to help@billoquy.com. After delivery, refunds are at our discretion, except where a fix was materially defective — e.g., prepared from the wrong document — in which case we will correct it or refund it.] Nothing in this section limits any non-waivable rights you have under applicable consumer-protection law.
• Today, all purchases are one-time flat fees. If we ever offer an ongoing (subscription) service, its price, term, and cancellation mechanics will be disclosed clearly before you sign up, and you will be able to cancel at least as easily as you subscribed.

9. Your documents and content

You keep ownership of the documents and information you upload (“Your Content”). You grant us a limited, non-exclusive license to host, store, transmit, parse, and analyze Your Content solely to provide the Service to you — to run the checks you start, produce your findings, prepare the fixes you buy, and deliver them to you — and as described in our Privacy Policy. We do not sell Your Content and we do not use it to train AI models.

You represent that you have the right to upload what you upload — your own bills and statements, or documents you are authorized to handle. Do not upload documents belonging to someone else without their authority, and do not upload content that is unlawful or malicious.

You can ask us to delete Your Content at any time; the Privacy Policy describes how, and what we retain (for example, payment records we are required to keep).

10. Acceptable use

You agree not to:

• use the Service for any unlawful purpose, or to prepare a dispute, waiver, or request you know to be false — the facts in anything you approve and send must be accurate to your knowledge;
• upload malware, attempt to probe or breach the Service’s security, or interfere with its operation;
• evade the human-verification challenge, rate limits, upload caps, or the human-only approval boundary;
• misrepresent billoquy as your agent or representative to a third party — a prepared fix is yours, sent by you;
• resell, sublicense, or white-label the Service without our written agreement; or
• reverse engineer the Service except where that restriction is prohibited by law.

We may suspend or terminate access that violates this section.

11. Our intellectual property

The Service — its software, design, text, product names, and branding — belongs to billoquy or its licensors. These Terms give you a personal, non-transferable right to use the Service; they transfer no ownership. Prepared fixes delivered to you are yours to use for your own purposes. The public records a finding cites are public; the citations are there so you can verify them.

12. Third-party services and public records

The Service depends on things we do not control:

• Public records. Tariff databases, FCC data, hospital price-transparency files, and CFPB guidance are published by their sources and can be incomplete, delayed, or wrong. We cite what we read and when we retrieved it, but we cannot guarantee the source.
• Counterparties. Your utility, hospital, bank, or provider decides how to respond to anything you send. We have no control over, and no responsibility for, their decisions.
• Service providers. Payments run on Stripe; infrastructure runs on AWS and Cloudflare; email is delivered over ordinary email infrastructure. Their availability is not ours to promise.

13. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, BILLOQUY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT FINDINGS WILL BE ACCURATE OR COMPLETE OR THAT ANY SAVINGS WILL BE ACHIEVED. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY DISCLAIMERS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) BILLOQUY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, OR LOST DATA, ARISING FROM OR RELATING TO THE SERVICE; AND (b) BILLOQUY’S TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (ii) ONE HUNDRED U.S. DOLLARS ($100). THESE LIMITS APPLY REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW.

15. Indemnification

You agree to indemnify and hold billoquy harmless from claims, damages, and reasonable costs (including attorneys’ fees) arising from: (a) Your Content, including documents you were not authorized to upload; (b) anything you send to a third party, including a prepared fix you approved; (c) your violation of these Terms or of law; or (d) actions taken under your account or your agent keys.

16. Suspension and termination

You can stop using the Service, and ask us to delete your account and data, at any time. We may suspend or terminate your access if you materially violate these Terms, if required by law, or if we discontinue the Service — in which case sections that by their nature should survive (including 9, and 11 through 17) survive. Termination does not affect a purchase already delivered or your refund rights under Section 8.

17. Governing law and disputes

These Terms are governed by the laws of [GOVERNING-LAW STATE — owner to choose with counsel], without regard to its conflict-of-laws rules.

Before filing any claim, you agree to try to resolve the dispute informally: email help@billoquy.com with a description of the issue, and give us 60 days to work it out with you. If we cannot, any claim will be brought in the state or federal courts located in [VENUE — county and state, owner to choose with counsel], and both parties consent to their jurisdiction.

[ATTORNEY DECISION: whether to add an arbitration agreement and class-action waiver (with required opt-out and small-claims carve-outs), or to keep court jurisdiction as drafted. Left as courts by default; do not add arbitration language without counsel.]

18. Changes to these Terms

We may update these Terms as the Service evolves. If a change is material, we will give notice — by email to account holders or a prominent notice on the site — before it takes effect. Continuing to use the Service after the effective date of a change means you accept it; if you do not, stop using the Service and, if you wish, ask us to delete your account.

19. Contact

[ENTITY NAME] [POSTAL ADDRESS — required for legal notices] help@billoquy.com