Terms of service

Effective 2026-10-01. By using Haggleline you agree to these terms.

1. What we do

We compare bills and estimates you upload with public price data and show you what looks too high (the "findings"), with a script and a letter you can use yourself. Where our service is available, you can also authorize our AI assistant to contact the company for you.

2. What we don't do

We are not a law firm, a debt settlement or debt management company, a credit counselor, a credit repair organization, or a health care provider. We do not give legal, medical, tax or financial advice. We never hold or move your money to the companies you owe, never make payments for you, and never accept an offer for you. We can't promise any result.

3. The free kit

The findings, script and letter are free. If you use them yourself, you keep everything you save and owe us nothing.

4. The paid service

• Where: internet, cable, phone and home-security bills, and car-repair and home-services quotes, for residents of NY, NJ, CA, TX, FL, PA and IL; medical bills for residents of New York. We may not offer it for past-due accounts or for work already paid for. We follow each state's laws; the list may change.
• Authorization: you sign an authorized representative agreement (and a HIPAA authorization for medical bills). You can revoke it at any time.
• Calls: placed by an AI assistant that says it is an AI, records calls only with consent, never pretends to be you, never threatens anyone, and never gives your passwords or security answers. Companies may refuse to talk to us; we then offer a three-way call or the letter.

5. Our fee

• 25% of the verified saving, capped at $1,000 per bill. No saving, no fee.
• Saving means: for medical bills, the old balance minus the new balance shown on the new statement; for recurring bills, 12 times the drop in the monthly price (credits on charges already billed are yours, with no fee); for quotes, the original written quote minus the price you actually paid. We never count more than the offer you accepted.
• When: only after (a) the company agrees, (b) you accept, (c) you make the first payment under the new terms (or pay the final invoice for a quote), and (d) we verify the saving from your new bill, statement or receipt. We charge the card on file once and email a receipt showing the math.
• Disputes: if a charge looks wrong, open a dispute from your case page within 30 days; nothing more is charged while it is open. We refund any fee charged in error.

6. Your responsibilities

Upload only your own bills (or bills you have the right to share), give accurate information, and tell us if anything changes. Don't use the service to harass anyone.

7. Ending

You can stop at any time by revoking your authorization or deleting your data. A fee for a saving already verified remains due. We may close accounts that misuse the service.

8. Limits

To the extent the law allows, our total liability is limited to the fees you paid us in the 12 months before the claim. Nothing in these terms limits rights you have under consumer protection laws that cannot be waived.

9. Changes and contact

We will email you before material changes take effect. Questions: support@haggleline.com.