Terms of Service

These terms govern your use of Dip. Dip is operated by Quintin Tech LLC, a Pennsylvania limited liability company ("we", "us", "Dip"). By creating an account or using the app, you agree to them, to our Privacy Policy, and — before adding any bill for Dip to negotiate — to sign a Letter of Authorization that authorizes Dip to act as your limited agent on the accounts you designate. If you don't agree, please don't use Dip.

What Dip does

Dip is an autonomous research and voice-negotiation agent. We act as a communication agent on your behalf: we call your providers, ask for retention or lower-tier offers, and surface every quote we receive in your approval queue.

What Dip does not do

• Legally bind you to anything without your explicit approval inside the app.
• Sign multi-year contracts. Dip will not accept any contract longer than the cap you set (default: 12 months).
• Share personal information beyond what's needed to receive a quote (typically: service address, current rate).
• Misrepresent itself as a human. Dip is contractually obligated to identify itself as an AI assistant on every call and to comply with recording-disclosure laws in every state.

Approval model

Every commitment — payment changes, plan switches, signups — requires your explicit approval inside the app before Dip executes it. On a call, Dip's role is gathering quotes; the role of authorizing any final commitment is yours.

Your representations to us

When you add a bill to Dip and authorize us to negotiate on it, you represent that:

• You are the account holder on that account, or you have permission from the account holder to negotiate changes to it.
• The information you provide to Dip (name, address, account details, current rate) is accurate to the best of your knowledge.
• You understand that some providers' terms may restrict third-party authority over an account, and you accept the risk that a provider may decline to interact with Dip on your behalf.
• You will not use Dip to harass providers or to negotiate on accounts you do not have authority over.

Your content

You retain ownership of any content you upload to Dip — photos of bills, account information you type in, notes you leave for the agent. You grant Dip a limited, non-exclusive license to process that content for the sole purpose of providing the service to you. You represent that you have the right to upload anything you upload.

Subscription terms

• 7-day free trial. No card up front.
• Dip: $15/month or $149/year. Prices in US Dollars.
• Auto-renews until you cancel. Cancel any time in the Stripe Customer Portal (linked from your account screen).
• Apple App Store and Google Play purchases follow those platforms' refund policies. Direct (web) purchases are refundable within 30 days of charge.
• The trial converts to your selected paid cycle at the end of day 7 unless canceled. We'll email you a heads-up before that happens.

Cost coverage

The subscription fee covers the underlying call costs (telephony, voice synthesis, AI inference) plus our service. There are no per-call fees, per-quote fees, or success fees on top of the subscription.

Acceptable use

• One account per person.
• Don't use Dip to harass providers (e.g. requesting repeated calls to the same provider in a short window).
• Don't share account access. Each account is tied to its owner's consent to call on their behalf.
• Don't use Dip outside its stated scope — no spam calling, cold outreach, fraud, or political solicitation.

Termination

You can delete your account at any time from the app or by emailing support@dip.bot. We may suspend or terminate your account if you violate these terms, if we're required to by law, or if continued service would expose us to material risk (for example, repeated provider complaints tied to your account). On termination, your data is deleted in accordance with the retention windows in our Privacy Policy, except for records we're legally required to keep.

Security incident notification

If we become aware of a security incident that affects your personal information, we will notify you without undue delay and in any event within 72 hours of discovery, by email to the address on file for your account. The notification will describe what happened, what information was affected, what we're doing in response, and what (if anything) you should do.

Liability

• Dip surfaces quotes. We don't guarantee them. Providers can change rates after the quote.
• Dip is a tool, not financial advice. We're not your financial advisor.
• To the extent permitted by law, our total liability to you for any claim arising out of or relating to Dip is limited to the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim, or (b) $100.
• This limit does not apply to, and nothing in these Terms limits our liability for: (i) fraud or fraudulent misrepresentation; (ii) our own willful misconduct or gross negligence; (iii) liability that cannot be limited or excluded under applicable law, including certain nonwaivable statutory claims; (iv) our obligations relating to the privacy and security of your personal information as described in our Privacy Policy; or (v) claims for injunctive or other equitable relief.
• If this limitation and any limitation in the Letter of Authorization conflict, the provision providing the greater protection to the user will control.

Dispute resolution; arbitration; class-action waiver

Please read this section carefully — it affects your legal rights.

Informal resolution first. Before starting an arbitration or court proceeding, you agree to first contact us at legal@dip.bot and describe your dispute, and we agree to try to resolve it informally. If we can't resolve it within 30 days of your notice, either of us may start an arbitration or bring a qualifying small-claims action.

Binding arbitration. Except for the carve-outs below, any dispute arising out of or relating to these Terms or your use of Dip will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. If the AAA is unavailable or declines to administer the arbitration, the parties will select another nationally recognized arbitration provider, and if they cannot agree, a court of competent jurisdiction will appoint one. The arbitrator decides all issues, except that a court decides whether the class-action waiver below is enforceable. Judgment on the award may be entered in any court with jurisdiction.

30-day opt-out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing legal@dip.bot with your name, account email, and the statement "I opt out of arbitration." Opting out does not affect any other part of these Terms.

Small-claims carve-out. Either party may bring an individual claim in small-claims court if it qualifies, instead of arbitration.

Class-action waiver. Disputes will be arbitrated only on an individual basis. You and Dip waive any right to bring or participate in a class, collective, consolidated, or representative action. The arbitrator may not consolidate more than one person's claims.

Mass-arbitration procedure. If 25 or more similar arbitration demands are filed by or with the assistance of the same or coordinated counsel, the demands will be administered in staged batches under the arbitration provider's mass-arbitration or supplementary rules, with a single arbitrator per batch, to allow efficient and fair resolution.

Public injunctive relief. Nothing in this section prevents either party from seeking public injunctive relief in a court of competent jurisdiction where such relief cannot be waived under applicable law. Any such claim is severed and stayed pending the arbitration of all other claims.

Severability. If any part of this section is found unenforceable, the rest remains in effect — except that if the class-action waiver is found unenforceable, this entire arbitration section is void.

Nothing in these Terms waives any right you cannot waive under applicable law.

Governing law

These terms are governed by the laws of the Commonwealth of Pennsylvania, USA. Disputes are resolved in state or federal courts in Chester County, Pennsylvania.

Changes

If we update these terms in a material way, we'll notify you by email and update the date at the top of this page. Continued use of Dip after notice constitutes acceptance.

Contact

Questions about these terms: legal@dip.bot.