Terms of Service

Last updated September 11, 2026

These terms cover your use of UtiliTrust. Using the service means you accept them.

What the service does

You give us your utility bills. We read them, recompute them against the published rate schedule where one exists, and tell you what does not add up. Where we find a documented discrepancy we generate a dispute letter and an evidence pack for you to send.

What it does not do

• We do not contact your utility for you. The letters and evidence packs are prepared for you to review and send. You remain the party to any dispute.
• This is not legal or financial advice. A finding is an analysis of your bill, not advice about what to do.
• We cannot promise a recovery. Whether a utility accepts a dispute is its decision, not ours. Most audits find nothing wrong, and that is a normal and correct result.

How accurate our findings are

This matters more than most terms, so we are specific. Findings come in two strengths and the product labels which is which:

• Verified: Your bill was recomputed against the utility's published rate schedule and the arithmetic disagrees. These cite the schedule, and are what a dispute letter is built on.
• Candidate: Something is worth a look, but there is no published rate to check it against. Internet, mobile and similar services are priced by contract and filed with no regulator, so nothing external exists to recompute them against. These are questions to ask your provider, not statements that a charge is wrong, and we do not generate dispute letters for them.

Where we cannot source a rate for the period covered by a bill, we say the rate is unverified rather than guessing one. We would rather return nothing than return a number we cannot stand behind. You are responsible for reviewing anything you send to your utility.

Your responsibilities

• Upload only bills for accounts you hold or are authorised to act on.
• Keep your login details to yourself.
• Do not attempt to disrupt the service or access other people's data.
• Keep paying your utility. An open dispute does not suspend a bill, and we are not responsible for late fees or disconnection.

Fees

Any fees are shown in the app before you are charged. We will not start charging an existing account without telling you first. Where the service is offered free during an early-access period, that period may end, and you will be told before it does.

Your data

Your bills remain yours. We use them to run the audits you asked for, as described in our Privacy Policy. You can ask us to delete your account and its data at any time.

Availability

We do not promise the service will be uninterrupted, and it may change as it develops. We will not delete your bills without your asking us to, other than as described in the Privacy Policy.

Ending your account

Close your account whenever you like by emailing us. We may suspend an account that breaks these terms, and will say why where we are able to.

Liability

The service is provided as-is. To the fullest extent the law allows, UtiliTrust is not liable for indirect or consequential losses, and our total liability to you is limited to what you have paid us in the 12 months before the claim. Nothing here limits liability that cannot lawfully be limited.

Governing law

These terms are governed by the laws of the State of Tennessee, United States.

Changes

If we make a material change we will update the date above and tell account holders by email.

Contact

[email protected]