@john_templeton Definitely a good question! And smart to worry about. Our basic guiding policy is that we're negotiating a lower rate for the exact same service. So, if you have 200Mbps internet for $70 a month, we're aiming to get you 200Mbps internet for $40 a month, not 50Mbps internet. Ditto for something like a cell plan--we're not trying to get you on a throttled plan or a lower data plan just because it'll save you money. We're negotiating a lower rate on whatever plan you already have. If we ever find something where we think there might be a valuable trade-off, then we always get explicit consent on a specific offer. So for example, if we find an offer that will lower the rate but involves a contract, we'll send it to you and get your OK before ever agreeing to it. For insurance specifically, we don't negotiate it. Technically, you can't actually negotiate insurance by law. The only two ways to lower an insurance bill with the same provider are either via specific qualified discounts, like driving record, military service, etc. or via coverage changes. Since neither of those are actually negotiating, we don't do anything on it. So, you definitely don't have to worry about us messing up your insurance coverage since we never deal with it in the first place. I hope that helps answer, but feel free to let me know if it doesn't get to the heart of it or if you have anything else you're curious about!

Thanks @aveedibya! It's been awesome working with you. And thanks always for the support. For anybody reading this, if you haven't yet, you should check out Neon!

@laur_science Thanks for signing up! So, the basic idea behind the API is that you can add bill negotiation as a feature for your product. Whether that's a PFM app, a bank, an HR benefits platform, whatever--you can save people money natively in your product. The API itself is pretty cool technically, and super well documented and easy to use thanks to our CTO @elliott_roche2. Overview is that it's a GraphQL API plus js and ruby libraries. You can use it to estimate savings for bills based on transaction data and then we'll negotiate the bill on their behalf and send the info of what's happening. Along the way, you'll get updates on anything via webhooks. Here's some more info about our partnership product: https://billfixers.com/partnerships but you can also email me directly at ben @ billfixers.com