Last updated: May 13, 2026
By accessing or using PayLess.Help ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.
PayLess.Help is an AI-powered informational tool that generates bill negotiation scripts. The Service analyzes uploaded bills and produces suggested talking points for users to use when contacting their service providers. PayLess.Help does not negotiate on your behalf, does not contact providers, and does not guarantee any specific savings outcome.
The Service does not provide financial advice, tax advice, legal advice, or investment recommendations. All content generated by the Service is for informational purposes only. You are solely responsible for your financial decisions. Consult a qualified professional for personalized advice.
You must provide accurate information when creating an account. You are responsible for maintaining the security of your account credentials. You must be at least 18 years old to use the Service.
Free accounts are limited to 2 bill analyses per month. Pro subscriptions are billed monthly at the current rate. You may cancel at any time. Refunds are handled on a case-by-case basis.
Your use of the Service is also governed by our Privacy Policy. Uploaded bill images are processed securely and are not retained after analysis.
PayLess.Help is provided "as is" without warranties of any kind. We are not liable for any damages arising from your use of the Service, including but not limited to direct, indirect, incidental, or consequential damages. Savings estimates are approximations and are not guaranteed.
We may update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the updated Terms.
For questions about these Terms, contact us at PaylessApp@mail.com.