Our Terms & Conditions

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This is a legal agreement between you and Help Your Bills, that outlines the terms and conditions that apply to your access of Help Your Bills services to save money on your monthly household bills.

By using Help Your Bills you acknowledge that you have read, understood and agree to be bound by the terms and conditions listed below.

If you do not agree with our Terms and Conditions, do not use or access our website(s) or services.

1. The Help Your Bills Service

Help Your Bills are experienced as consultants to individuals wishing to achieve lower monthly bills in the general areas of but not limited to: internet, line rental, satellite/cable television, insurance, gas, electricity etc.

Help Your Bills will negotiate with your service providers for discounts on your monthly bills. By providing your bill(s), or accepting our terms and conditions, this gives us permission to make changes to features or services on your account (including adding discounts, credits or promotions).

Help Your Bills does not guarantee that savings will be achieved during each negotiation, but if no savings are achieved, there will be no cost to you.

2. Your Information & Participation

You agree to provide us accurate and current information, including but not limited to: name, address, phone number, email address, and any passwords or other verification information required by service providers to negotiate on your behalf. Your personal information is confidential and will only be used within the scope of negotiating discounts and for internal purposes.

Help Your Bills must receive copies of your monthly bill statements with the necessary information required to negotiate discounts on your behalf, such as account number, outline of services/features, etc. You may send them to Help Your Bills through our website, email; or provide information for your bill negotiators to obtain statements directly from your provider i.e online account login details.

Some service providers require that you verbally authorise your bill negotiator to speak on your behalf. If this is required as a security measure by your service provider, we won’t be able to negotiate savings on your behalf until you provide your consent.

The person who signs up with Help Your Bills is the person responsible for any and all charges owed to Help Your Bills regardless of the name on the provider statement. You may submit bills under the name of a third party, such as a spouse, family member, friend or roommate; however you are responsible for paying fees to Help Your Bills.

3. Costs to You

There is no upfront cost to use Help Your Bills.

a) If Help Your Bills saves you money (Any amount), you agree to pay Help Your Bills 20% of your savings via a PayPal Invoice within 5 working days after you have received the email invoice with details of your savings.

If paying monthly you agree to set up a recurring monthly payment for 20% of your savings within 5 days of receiving your invoice, which will include a recurring payment option.

b) If Help Your Bills does not save you money, there is no charge to you.

4. Billing Process

Help Your Bills will invoice you for 20% of your savings after the reduction in cost has been achieved.

a) We use PayPal to collect our fees, which is a secure payment method for payments, you do not need a PayPal account to pay us, only a debit or credit card, or bank account.

Online Billing

Help Your Bills uses an online billing system. You will receive an invoice via email, and can view and pay invoices on our PayPal platform. This payment method is safe & secure for online transactions.

Late Fees & Returned Payments

Payment is due within 5 working days of the invoice date. If payment is not received within that time, we may charge you a late fee of £5 per week.

If your payment is returned or otherwise rejected for non-sufficient funds, fraud, or any reason, you will be responsible for paying any applicable fees, including bounced cheque fees, etc.

Non-payment & Collections

If you do not pay Help Your Bills according to these Terms & Conditions, we may charge you a late fee of £5 per week.

We reserve the right to turn non payers over to collection agencies and/or report overdue balances to credit bureaus, including Experian. If we must engage a collection agency or report your debt to credit bureau(s), we may charge a processing fee of £19 or more, subject to the maximum allowed by law.

If Help Your Bills accepts late or partial payments, we do not waive our right to collect all amounts owed.

Your Savings

Your savings should appear on your provider statements as outlined by your savings expert.

a) If the savings do not appear as discussed, you must notify Help Your Bills within 30 days of receiving your Help Your Bills invoice. We will investigate with the service provider and attempt to rectify any mistake. If the savings are not going to appear as originally discussed, Help Your Bills will update its invoice accordingly.
b) If you do not notify Help Your Bills within 30 days, it is assumed the savings appear as discussed and you will owe any applicable fees.

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How We Calculate Your Savings

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We calculate your savings based on your current rate at the time of negotiation. When we negotiate, we confirm the current price you are paying for your service with your provider. The price of your bill may have changed since the statement you sent us before negotiating, due to a rate increase or expired discounts that dropped off your bill.

For example, you send us your bill or statement from the previous month showing your rate is £45. When we call to negotiate, your provider says that your bill is now £95 because a discount expired or your rate increased. We base our savings calculations on the current price you are paying at the time of negotiation, which would be £95.

Re-negotiations: When we re-negotiate, we also calculate your savings based on your new, current rates. 

For example, we negotiated your bill down to £45 per month a few years ago, and now your rate is increasing to £110. When we renegotiate, we will base your savings off the new price you are paying, which is £110.

Chargebacks & Complaints

If you are unsatisfied with Help Your Bills services for any reason, you must contact Help Your Bills by email and allow us to rectify the situation before attempting a chargeback or making a complaint about the company. You will be responsible to pay Help Your Bills any fees incurred by Help Your Bills because of a chargeback you have made.

5. Limitation of Liability & Indemnification

Help Your Bills shall in no event be liable or responsible for any damages to you or to any third party, whether in contract, warranty, tort (including negligence), statute or any other legal theory, or otherwise, for any special, direct, indirect, consequential, incidental, exemplary, liquidated or punitive damages, arising in whole or in part from your access to our websites and/or services. Help Your Bills will have no liability to you or any third party for content sent to us from our website or services.

By using our websites and/or services, you shall indemnify, defend and hold harmless Help Your Bills and its officers, employees and agents from and against all claims, damages and expenses.

6. Help Your Bills is Not a Financial Advisor

Help Your Bills does not provide financial, legal or tax advice. All services or information provided is not intended to be financial, legal or tax advice. Before making financial decisions, you should consult with your accountant, or other professional advisors who are aware of your personal circumstances.

7. Prohibited Use

You may not use our services or websites other than as expressly allowed.

Any commercial or promotional distribution, publishing or exploitation of our service, content, or other materials is strictly prohibited unless you have received the express written permission from authorised personnel of Help Your Bills.

You are prohibited from accessing or attempting to access information and/or property of Help Your Bills that does not pertain to you, including but not limited to account information, computer equipment and networks, etc. You must comply with all applicable laws and regulations, including but not limited to hacking, phishing, fraud, spamming, etc.

You may not impersonate another user, misrepresent yourself, or provide false information to Help Your Bills.

You may not engage in any activity which encourages conduct that is unlawful, harmful, threatening, abusive, tortuous, harassing, defamatory, obscene, offensive, libelous, hateful or otherwise objectionable.

You may not infringe on the rights or privacy of any person or entity.

You may not transmit or communicate any content or file that is harmful or potentially damaging, including but not limited to spyware, viruses, worms, etc.

You may not attempt to decipher, decode or reverse-engineer any of the software or other electronic equipment that belongs to or is used by Help Your Bills.

You may not compromise or otherwise interfere, in whole or in part, with the actions of Help Your Bills or its officers, agents and employees.

8. Rights You Grant to Help Your Bills

By using our websites and/or services, you are granting us the authority to act on your behalf with your service providers. You acknowledge and agree that Help Your Bills is authorised to speak with service providers on your behalf and make changes to your account, services, and/or features. You also grant us the authority to the possibility that we may cancel your service as a bargaining position. We promise that your services will not be permanently terminated as the service will be reinstated after we have negotiated a better deal.  

9. Modifications

Help Your Bills reserves the right to make changes or updates to our websites, services or content at any time without notice, including but not limited to these Terms & Conditions, billing process, etc. You accept and agree to be bound by any changes to these Terms & Conditions when you use our services or websites after the changes are posted.

10. Applicable Laws

This Legal Notice shall be governed by and construed in accordance with English law. Any dispute(s) arising in connection with this Legal Notice are subject to the exclusive jurisdiction of England and Wales.

11. Dispute Resolution

Any dispute with Help Your Bills, or its officers, employees or agents, shall be resolved through binding arbitration. You agree to waive your right to a trial by jury or to participate in a class action. You agree that you or Help Your Bills may bring claims against the other only on an individual basis, and not as part of a class. Class arbitration's and class actions are not permitted.

In the event of any legal proceeding between any of the parties to enforce or defend the terms in this agreement, the prevailing party or parties shall be paid all costs of such legal proceeding, including but not limited to reasonable and necessary attorney’s fees, court costs, travel, etc., by the other party or parties.

12. Third Party Links or Services

Our website or content may mention or contain links to third party services or websites. Help Your Bills is not responsible for and does not endorse any third parties or their products/services. You are responsible and liable for any claims, offers, promotions, etc., before purchasing from or dealing with a third party, even if they are partnered or otherwise affiliated with Help Your Bills. Any transactions or dealings made by you with any third parties are exclusive between you and the third party, and Help Your Bills is not responsible.

13. Account / Confidential Information & Login Credentials

If you send Help Your Bills any confidential information, you are responsible for maintaining the security of your username and password. If you share your information with anyone, you are liable for any resulting damage or harm. If you believe your information has been compromised, you must notify your service providers immediately. You are responsible for keeping your account information current and accurate. Help Your Bills is not responsible for any other person or entity gaining access to your account, whether obtained through you, or through violation of these Terms and Conditions.

14. Disclaimer of Representations & Warranties

The content and all services and products associated with Help Your Bills are provided to you “as-is”. We make no representations or warranties of any kind, express or implied.

Help Your Bills does not guarantee the amount of, or if any savings will be achieved during a negotiation.

You expressly agree that your use of Help Your Bills services or websites is at your sole risk.

15. Miscellaneous

If we do not exercise or enforce one or more provisions of this agreement, we still maintain the right to do so at a later date.

If any provision is found by a court of competent jurisdiction to be invalid, the remainder of this agreement shall remain in effect.

If you have any questions about this agreement, please contact us with your query.