Terms of Service

Last updated: June 29, 2026

These Terms of Service ("Terms") form a binding legal agreement between you ("you", "your", or "User") and BillSlash ("BillSlash", "we", "us", or "our"), operator of billslash.app and related applications (collectively, the "Service"). By creating an account, clicking "I agree", or otherwise accessing the Service, you confirm that you have read, understood, and accepted these Terms, our Privacy Policy, Disclaimers, and Refund Policy. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and legally able to enter into a contract in your jurisdiction. If you use the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. What BillSlash is — and is not

BillSlash is a software-as-a-service platform that helps consumers and small businesses track recurring bills, scan receipts, organize documents, and generate AI-assisted negotiation scripts, savings plans, and tax-organization exports. BillSlash is an informational and organizational tool only. BillSlash:

• does not negotiate with providers on your behalf;
• does not guarantee any specific discount, savings, refund, credit, or other outcome;
• is not a bank, broker-dealer, lender, money-services business, debt-relief agency, credit-repair organization, accountant, tax preparer, attorney, or fiduciary;
• does not provide financial, investment, legal, accounting, or tax advice.

3. Account, access & security

• You are responsible for keeping your credentials confidential and for all activity under your account.
• You must provide accurate, complete information and keep it current.
• We may suspend or terminate access for breach, non-payment, suspected fraud, abuse, or security risk.

4. Acceptable use

• No unlawful, fraudulent, infringing, harassing, or abusive activity.
• No scraping, probing, reverse-engineering, or interfering with the Service or its infrastructure.
• No uploading malware, automated bulk requests, or attempts to circumvent rate limits, paywalls, or access controls.
• No use of the Service to provide regulated advice (financial, tax, legal, medical) to third parties without your own license to do so.

5. Subscriptions, billing & auto-renewal

Payments are processed by Stripe, Inc. Subscriptions renew automatically at the then-current rate until canceled. You authorize us (via Stripe) to charge your payment method for each renewal. You may cancel at any time from Settings; cancellation stops the next renewal and you retain access until the end of the current billing period. Taxes, currency conversion, and processor fees may apply.

Refunds are governed by our Refund Policy.

6. AI-generated content

The Service uses third-party large-language models and other AI systems to generate negotiation scripts, summaries, categorizations, savings suggestions, and tax-organization output ("AI Output"). AI Output may be inaccurate, incomplete, biased, out of date, or fabricated. You are solely responsible for reviewing, verifying, and deciding whether to rely on or act on any AI Output. AI Output does not constitute professional advice and does not create any advisor-client or attorney-client relationship.

7. No guarantee of savings or outcomes

Outcomes from bill negotiation depend on factors outside our control, including the provider you call, your account history, tenure, region, promotional availability, and how the conversation unfolds. We make no representation, warranty, or guarantee that you will obtain any specific savings, discount, credit, refund, settlement, or outcome. Any savings figures, ranges, testimonials, or examples shown in the Service or in marketing materials are illustrative only and are not a promise of results.

8. Tax, accounting & legal matters

Any tax-related categorization, deduction estimate, summary, or export ("Tax Tools") is provided for organizational and educational purposes only and is not tax advice or a tax return. Tax outcomes depend on your individual facts and current law. Consult a qualified tax professional (CPA or enrolled agent) before filing. Similarly, nothing in the Service is legal advice — consult a licensed attorney for legal questions.

9. User responsibility & data accuracy

You are responsible for the accuracy, completeness, and lawfulness of all data you enter, upload, import, or connect to the Service (including bills, receipts, bank-connection data, and team-member data). We rely on the information you provide; inaccurate inputs may produce inaccurate AI Output and reports.

10. Third-party services & bank connections

The Service may integrate with third-party providers including Stripe, Plaid, Google, Apple, QuickBooks, Xero, Gusto, Slack, and others. Your use of those services is governed by their own terms and privacy notices. We are not responsible for third-party services, their availability, or their treatment of your data once you authorize a connection.

11. Intellectual property

The Service, including software, models, UI, branding, designs, documentation, and content (other than your inputs and AI Output derived from them), is owned by BillSlash and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable right to use the Service on your selected plan. You retain ownership of content you submit; you grant us a worldwide, royalty-free license to host, process, transmit, and display that content solely to operate, secure, and improve the Service.

12. Feedback

If you send us feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or compensation.

13. Suspension & termination

We may suspend or terminate access for material breach of these Terms, non-payment, fraud or security risk, or as required by law. On termination, you may export your data within 30 days, after which we may delete it (subject to legal retention requirements).

14. Disclaimers — "AS IS"

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL AI OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR PRODUCE ANY PARTICULAR FINANCIAL OUTCOME.

15. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, BILLSLASH AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF FUNDS, LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR SAVINGS, INCORRECT BILL PAYMENTS, OR FINANCIAL DECISIONS MADE BASED ON THE APP, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WE ARE NOT RESPONSIBLE FOR THIRD-PARTY SERVICE FAILURES, OUTAGES, OR INACCURACIES (INCLUDING PLAID, STRIPE, BANKS, CREDIT BUREAUS, OCR PROVIDERS, AI MODEL PROVIDERS, ACCOUNTING INTEGRATIONS, AND OTHER VENDORS). OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE GREATER OF (a) THE FEES YOU PAID TO BILLSLASH IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (b) USD $100. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATIONS OF LIABILITY; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

16. Indemnification

You agree to defend, indemnify, and hold harmless BillSlash and its affiliates from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from (a) your use of the Service, (b) your content or inputs, (c) your breach of these Terms, or (d) your violation of any law or third-party right.

17. Governing law & jurisdiction

These Terms are governed by the laws of the State of California, United States, without regard to conflict-of-laws principles. Subject to Section 18, you and BillSlash submit to the exclusive jurisdiction of the state and federal courts located in San Francisco County, California, and waive any objection to venue or forum non conveniens.

18. Dispute resolution; arbitration; class-action waiver

Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules in San Francisco, California, except that either party may bring an individual claim in small-claims court. YOU AND BILLSLASH AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. You may opt out of this arbitration agreement by emailing us within 30 days of first accepting these Terms.

19. Changes

We may update these Terms from time to time. Material changes will be communicated via email or in-app notice. Continued use after the effective date constitutes acceptance.

20. Miscellaneous

These Terms, together with the Privacy Policy, Disclaimers, and Refund Policy, are the entire agreement between you and BillSlash regarding the Service. If any provision is held unenforceable, the remainder remains in effect. Our failure to enforce any right is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.

21. Contact

Questions, legal notices, or service of process: legal@billslash.app.