Bill Negotiator Terms of Service

Last Updated: April 13, 2026

Cirqul provides you with the option of using bill negotiation services from Cirqul or our Partners (“Bill Negotiator Services”). We, or our Partners, negotiate on your behalf with certain companies that provide you with products you pay for on a recurring basis, such as memberships, subscriptions, telecommunications, internet, cable, satellite, and security companies (the “Providers”) to attempt to reduce the amount you are billed monthly for that Provider’s service (a “Bill Reduction”). We reserve the right to determine, modify or supplement the Bill Reduction Services offered at our sole discretion.

The Bill Negotiator Services are made available to you only on the condition that you have an active Cirqul Account, are in good standing with all your Cirqul subscription payments, and agree to be bound by these Terms. If you do not agree, do not access or use the Bill Negotiator Services. You may only use the Bill Negotiator Services in compliance with these Terms and all applicable laws, rules, and regulations. By using the Bill Negotiator Services, you are representing that you have the legal capacity and authority to enter into these Terms, and that you have reviewed, understand, and accept these Terms without limitation or qualification. You further understand that by signing up to receive the Bill Negotiator Services and entering your personal information where prompted, you are submitting an electronic signature and entering into a legally binding contract with us for the performance of the Bill Negotiator Services. Your agreement to these Terms forms a contract that governs Cirqul’s (and all our third-party agents') performance of the Bill Negotiator Services and the relationship between Cirqul and any individual or party that accesses, uses, requests, or receives the Bill Negotiator Services.

By agreeing to receive the Bill Negotiator Services and confirming or providing certain personal, account, and payment information, you are granting us and our agents permission to negotiate with your designated Provider(s) on your behalf. You hereby acknowledge and agree that Cirqul and our agents are authorized to use the information you provide to communicate with the applicable Provider, make changes to your account(s) with the Provider, and to modify the services and/or features that you receive from the Provider, in accordance with these Terms. This means that when you request Bill Negotiator Services, you expressly consent to any changes that we make to your account in order to reduce your bill as long as the changes do not reduce the features or quality of the products you receive from the Provider or extend the term of your contract. We may add discounts, credits, or promotions to your account, or add features or improve the quality of the products you receive, without obtaining additional permission or consent from you to make such changes as long as the changes reduce your bill. 

We and our agents may contact you and request additional consent to extend the term of your contract with your Provider or make other changes to your services from the Provider, in which event we may rely on your verbal, SMS text, or email permission to do so. After the Bill Negotiator Services have been completed, your Provider may limit your ability to revert to a prior plan. Your Provider may require your verbal confirmation or additional information to verify that we are acting as your agent. If this is the case, we won’t be able to perform the Bill Reduction Services until you provide the additional information or confirmation in accordance with the method required by the Provider. In some instances, such as when logging in to online accounts, it may be necessary for us or our agents to represent to the Provider that they are the account holder in order to perform the Bill Negotiator Services, and you consent to such representation for the sole purpose of performing the Services.

You may not sign up for Bill Negotiator Services unless you have the authority to make changes to the applicable account with the Provider and to grant the authority to us and our agents. By requesting the Bill Negotiator Services, you represent and warrant that you have such authority. If you are not the account holder and you sign up for Bill Negotiator Services as an authorized representative of the account holder, you will be personally liable for all fees incurred or damages that result from signing up for the Bill Reduction Services in the event Cirqul determines that you do not have proper authorization, and you also agree to indemnify Cirqul and Cirqul’s affiliates, and officers, directors, employees, consultants, and agents of Cirqul and Cirqul’s affiliates, for any damages incurred as a result.

When you agree to receive the Bill Negotiator Services, you are also granting us and our agents the right but not the obligation to repeat the Bill Negotiator Services if we determine that the savings applicable to your account are set to expire or that you may otherwise be eligible for additional savings.

In order to receive Bill Negotiator Services, you agree to provide Cirqul with the information we need to perform such services in a timely fashion. This information includes, but is not limited to, the account holder’s name, your name and relationship to the account holder (if different), and your respective addresses, phone numbers, and email addresses, the name of the Provider, your Provider account number, the applicable password, pin number, or other security credentials to access the account, and any other specific information your Provider may require for us to make changes to your account. We may decline to provide the requested Bill Reduction Services based on the information provided or for any other reason in the exercise of our sole discretion.

You represent and warrant that all of the information you provide to us is accurate, complete, and correct. You agree that we may rely upon and share your information with our agents, Providers, and otherwise as necessary in order to offer, perform, and track the Bill Negotiator Services. We will only use your personal information in the manner and for the purposes set forth in these Terms and in our Privacy Policy and our Agent's Privacy Policy (incorporated herein). By using the Bill Negotiator Services, you are agreeing that we may use information collected through the Bill Negotiator Services in accordance with the aforementioned Privacy Policies. 

For Bill Negotiator Services, we calculate the total amount of savings that we negotiate for you (the “Negotiated Savings”) by comparing the new rate that we obtain for you from the Provider against the current rate you are paying at the time of the negotiation for the duration the new rate will be in effect. In the case of products that are billed to you by your Provider monthly, the Negotiated Savings equals the amount by which the Provider has agreed to reduce your monthly bill multiplied by the number of months that you are eligible to receive the reduction, up to a maximum of 24 months. We cannot guarantee that every bill negotiation will result in Negotiated Savings.

The rate you are paying prior to the Bill Reduction that we use to calculate Negotiated Savings will be the amount confirmed with the Provider. In the event we perform a Bill Reduction immediately prior to the expiration of a discounted rate, the Negotiated Savings will be calculated using the applicable rate that the Provider indicates you would otherwise be charged upon expiration of the discounted rate. For purposes of calculating the Negotiated Savings, the new negotiated rate will not include price increases occurring after the negotiation that arise from (1) one time purchases or fees incurred by the account holder; (2) regularly scheduled price increases by the Provider that are applied generally and not specific to the account (e.g. an increase to the Broadcast TV Fee); (3) the addition of products or upgrades to the existing products on the account; or (4) the expiration of discounts, promotions, or credits on the account that were not put into place as a result of the Bill Reduction Services.

If you ask us to cancel some but not all of the products you receive from a Provider and negotiate the remaining parts of your bill, the Negotiated Savings will be based off of your entire original bill. If you direct us to increase the quality or features of the products you receive from a Provider, the Negotiated Savings will be calculated based on the applicable non-discounted rate that the Provider indicates you would have been charged for those modified products, instead of the historic rate you were paying for the original products. This rule does not apply to any increased levels of service that you have not specifically requested but receive as a perk of our negotiations.

It is your responsibility to confirm that the Negotiated Savings are reflected in the next bill you receive from your Provider, and to notify us if the bill does not show the Negotiated Savings. If we receive notice within thirty (30) days of the disparity, we will research and attempt to contact the Provider to try to resolve the issue and obtain the Negotiated Savings. This additional attempt shall be your sole and exclusive remedy for the failure of the Bill Reduction Services. In no event will we be liable for the failure of any Provider to actually reduce your bill or any charges resulting from such failure.

You may terminate the Bill Negotiator Services at any time in the Cirqul.com website by going to your Profile then selecting Stop Bill Negotiator Service. You do not need a reason to terminate. However in order to terminate the Bill Reduction Services after you have requested such services, the Bill Negotiator Services must either have been completed or we must receive notice of cancellation of the Bill Negotiator Services before our performance has begun. Terminating the Bill Negotiator Services does not impact your obligations regarding Bill Negotiator Services already performed prior to termination or terminate any other agreement you may have entered into with us. If you are dissatisfied with the Bill Reduction Services, your sole and exclusive remedy is to terminate the Bill Negotiator Services and/or seek a refund of the fees paid for such Bill Negotiator Services, if any.   

We may decline to accept your request for Bill Negotiator Services or may elect to terminate or change these Terms as they relate to Bill Negotiator Services and stop performing Bill Negotiator Services for you at any time in the exercise of our sole discretion without penalty or liability. We reserve the right to pursue all other available remedies in addition to termination in the event of your breach of these Terms. The Bill Negotiator Services Terms will become effective upon our acceptance of your request for the Bill Negotiator Services, and thereafter will continue until such time as our records indicate that the Bill Reduction Services are complete or have been canceled or the Bill Negotiator Services Terms are terminated as permitted herein. These terms will survive termination, discontinuation, or cancellation of the Bill Negotiator Services or your Cirqul Account for any reason.

You agree to the use of Electronic Communication in order to enter into contracts and to sign up for the Bill Negotiator Services and agree and consent to the electronic delivery of notices and other communications that we provide in connection with your Cirqul Account or Bill Reduction Services. Such Electronic Communications will be sent to the email address and/or cell phone number that you provide during the online ordering process as may be updated by you from time to time through the methods we designate. You further waive any rights or requirements under any laws or regulations in any jurisdiction, to the extent permitted under applicable law, which require an original, non-electronic signature or delivery or retention of non-electronic records.

It is your responsibility to keep the primary email address and phone number listed on your Cirqul Account up to date so that we can communicate with you electronically. Spam filtering of emails or SMS/text messages may require you to add us to your contacts in order to ensure that you see our messages. You understand and agree that an electronic communication is deemed successfully sent once emails or SMS/texts are sent to the primary email address or phone number listed on your account, and our notice to you will be deemed to have been given on the day such email or SMS/text is sent. Notices to us must be sent in writing to: 

Cirqul.com

Attn: Bill Negotiator

40 S. Stephanie Street #101, Henderson, NV 89012 

or via email to support@cirqul.com.

The Bill Negotiator Services are intended for use only in the United States. Access or use of the Bill Negotiator Services is unauthorized in any jurisdiction that does not give effect to all provisions of these Bill Negotiator Services Terms.