Reclaimd Terms of Service

Last updated: October 8, 2026

These Terms of Service (the "Terms") are a legal agreement between you and Reclaimd LLC, a Connecticut limited liability company ("Reclaimd," "we," "us," or "our"), governing your use of the Reclaimd website at reclaimdai.com, the Reclaimd application, and the related services (together, the "Service"). By creating an account, starting a free trial, paying for a subscription, or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old, a resident of the United States, and legally able to enter into contracts to use the Service. You may only connect accounts, bills, and email addresses that belong to you, or that you are authorized to manage under Section 3A. By using the Service you represent that these statements are true.

2. What the Service does

Reclaimd helps you reduce and manage recurring household bills. With your permission, the Service:

• reads billing emails and, if you choose to connect a bank account, transaction data, to identify recurring charges, subscriptions, overcharges, and billing errors;
• contacts your service providers on your behalf, by email, provider web forms, or phone, to request lower rates, promotional pricing, credits, or corrections;
• presents any offer a provider makes to you for your approval before it is accepted;
• checks subsequent bills and transactions to confirm whether agreed discounts or credits appeared, and follows up when they did not;
• requests competing quotes and flags when switching to a different plan may save more than negotiating;
• under Reclaim Family, lets you manage bills for a family member in another household, with that family member's signed authorization and their approval of each offer (Section 3A);
• researches products and plans you ask about, ranks options, and links to where you can buy them; we never purchase on your behalf;
• if you ask, helps with general household tasks and appointment scheduling; you remain responsible for any commitment made.

The Service is a software tool. It is currently offered as a beta, and features may change, be added, or be removed without notice.

3. Your authorization to act on your behalf

By opening a negotiation or correction case, you authorize Reclaimd and its automated agents to communicate with the relevant provider on your behalf as your authorized representative for the limited purpose of that case. Specifically:

• You approve every offer before it is accepted. Reclaimd will not accept new terms, change your plan, cancel a service, or commit you to any agreement without your confirmation in the app, except where you have expressly enabled a specific automated action in your settings.
• Reclaimd does not make payments on your behalf, does not move money, and does not hold your provider login credentials. Bank data is accessed read-only through Plaid.
• You remain the account holder with each provider and are responsible for your accounts, your bills, and any decisions you approve.
• You may withdraw this authorization at any time by closing a case or deleting your account; communications already sent cannot be recalled.

Phone calls. Our agents identify themselves as automated assistants calling on your behalf at the start of every call, unless you have enabled Speak as me for calls, state that the call is transcribed, and end the call if the other party objects. We store a text transcript of calls and do not store audio. Transcripts may be used to improve the Service as described in our Privacy Policy.

Speak as me. If you enable this mode, Reclaimd drafts messages that are sent from your own email account, in your name, and only after you approve each message; you are the sender of those messages. You may also enable Speak as me for phone calls, in which case our agent introduces itself using your first name when calling about your own accounts. In that mode it still states that the call is transcribed, never claims to be a human, and says truthfully that it is automated if asked. It never answers identity or security questions; those are passed to you. Speak as me for calls is not available for banks, credit unions, card issuers, lenders, or brokerages, or for accounts managed under Reclaim Family. In all other cases Reclaimd communicates as your authorized representative and identifies itself as such.

3A. Reclaim Family

If you manage bills for a family member under Reclaim Family, you represent that the family member has signed Reclaimd's authorization form, that you will act only within that authorization, and that the family member may revoke it at any time. The family member is a party to these Terms for the accounts they authorize, approves offers on their own accounts unless the authorization says otherwise, and may request their data or close their accounts directly. You are responsible for keeping their authorization current and for telling us promptly if it is withdrawn.

4. What the Service does not do

Reclaimd is not a bank, lender, insurer, debt settlement company, credit repair organization, law firm, tax preparer, or financial adviser. The Service does not provide financial, legal, or tax advice, and nothing in the Service is a recommendation to buy, sell, or hold any financial product. Reclaimd does not negotiate or handle debts, medical bills, insurance claims, taxes, or rent, and does not negotiate rates with regulated utilities such as electric, gas, and water providers, though it may review those bills for errors and overcharges. Reclaimd may decline any case at its discretion. Savings estimates shown in the Service are estimates. Reclaimd does not guarantee that any negotiation will succeed or that you will save any particular amount.

5. Plans, free trial, billing, and renewal

• Plans. Standard covers one household and costs $9.99 per month or $99 per year. Family covers one household plus family members you manage under Reclaim Family and costs $150 per year. We never charge a percentage of your savings.
• Free trial. New accounts start with a 3-day free trial. You enter a payment method at checkout. If you do not cancel before the trial ends, your payment method will be charged the price of the plan you selected on the day the trial ends, and your paid subscription begins. We tell you the exact charge date and amount at checkout and in a confirmation email, and we email you a reminder before the trial ends.
• Renewal. Monthly plans renew automatically each month, and annual plans renew automatically each year, at the then-current price, until you cancel. For annual plans, we will email you at least 30 days before each renewal.
• Cancellation. You can cancel at any time in Settings through our billing portal, powered by Stripe, or by emailing support@reclaimdai.com. Cancellation takes effect at the end of the current billing period and stops future charges.
• Refunds. If you are not satisfied, email support@reclaimdai.com within 14 days of your first charge and we will refund it in full. After that, fees already paid are not refunded except where required by law.
• Price changes. Prices may change for future billing periods with at least 30 days' notice by email.
• You are responsible for any taxes that apply to your purchase.

6. Fair use

Your subscription covers negotiation and correction cases for the household or households it includes. To keep the Service available to everyone, we may limit the number of cases open at one time (currently three per household), decline cases for accounts or bills that do not belong to you or a family member you are authorized to manage, and suspend accounts that create multiple registrations for the same bills or otherwise abuse the Service.

7. Your responsibilities

You agree to provide accurate information, keep your login credentials secure, respond to approval requests in a timely way, and tell us promptly if a bill or account you connected is not yours or if you no longer want us to act on a case. You will not use the Service to harass providers, make false claims, interfere with the Service, reverse engineer it, or use it for any unlawful purpose. You are responsible for all activity under your account.

8. Third-party services

The Service relies on third parties, including Plaid (bank data), Google (Gmail access), Stripe (payments), and telephone and email providers. Your use of those services is subject to their own terms and privacy policies, including Plaid's End User Privacy Policy and Google's terms. When the Service links to a product or plan sold by someone else, that purchase is between you and the seller. Reclaimd is not responsible for the availability, accuracy, or conduct of third-party services, sellers, or your providers.

9. Communications

By creating an account you agree to receive emails and in-app messages about your cases and your account. These messages are part of the Service and are not marketing unless you opt in to marketing separately.

10. Privacy

Our Privacy Policy explains what data we collect, how we use it, and your choices. Reclaimd does not sell your personal information. Our use of information received from Google APIs follows the Google API Services User Data Policy, including its Limited Use requirements.

11. Intellectual property

The Service, including its software, design, text, and trademarks, belongs to Reclaimd or its licensors. We grant you a limited, revocable, non-transferable license to use the Service for your personal, non-commercial use, including for family members you manage under Reclaim Family, during your subscription. You keep ownership of your data. If you send us feedback or suggestions, we may use them without obligation to you.

12. Beta service and disclaimers

The Service is provided "as is" and "as available." To the fullest extent permitted by law, Reclaimd disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, that any case will succeed, that a provider will honor an agreed discount, that any product or plan we link to is the best available, or that the Service will identify every charge or error on your accounts.

13. Limitation of liability

To the fullest extent permitted by law, Reclaimd and its members, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost savings, lost profits, or loss of data, arising out of or related to the Service, even if advised of the possibility. Our total liability for any claim relating to the Service will not exceed the subscription fees you paid to Reclaimd in the twelve months before the claim arose. Some states do not allow certain limitations, so some of these limits may not apply to you.

14. Indemnification

You agree to defend and indemnify Reclaimd from claims, losses, and expenses, including reasonable attorneys' fees, arising from your breach of these Terms, your violation of law, or your connection of accounts, bills, or email addresses you were not authorized to connect.

15. Termination

You may close your account at any time. We may suspend or terminate your access if you breach these Terms, if required by law, or if we discontinue the Service. If we discontinue the Service or terminate your access for a reason other than your breach, we will refund any prepaid fees for the unused portion of your term. Sections that by their nature should survive termination, including Sections 11 through 17, will survive.

16. Governing law and disputes

These Terms are governed by the laws of the State of Connecticut, without regard to its conflict of laws rules. Any dispute will be resolved in the state or federal courts located in Fairfield County, Connecticut, and you consent to their jurisdiction. Before filing a claim, you agree to contact us at support@reclaimdai.com and give us 30 days to try to resolve it.

17. Changes to these Terms

We may update these Terms. If a change is material, we will notify you by email or in the app at least 14 days before it takes effect. Continued use of the Service after the effective date means you accept the updated Terms.

18. General

These Terms, together with the Privacy Policy and, where applicable, the Reclaim Family authorization form, are the entire agreement between you and Reclaimd about the Service. If any provision is found unenforceable, the rest remains in effect. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets. Our failure to enforce a provision is not a waiver.

19. Contact

Reclaimd LLC
Westport, Connecticut
support@reclaimdai.com