Initial Solutions Terms and Conditions
This is a legal agreement between you and Initial Solutions, LLC, that outlines the terms and conditions that apply to your access of Initial Solutions services to save money on your monthly bills.
By using Initial Solutions, you acknowledge that you have read, understood, and agree to be bound by the terms and conditions listed below and our Privacy Policy.
If you do not agree with our Terms and Conditions or our Privacy Policy, do not use or access our website(s) or services.
1. Our Bill-Cutting Service
Initial Solutions is experienced as a consultant to individuals, companies, and organizations wishing to lower their monthly bills in the general areas of, but not limited to: cell phone, cable/satellite TV, internet, electricity and gas, mortgage, insurance, gym memberships, satellite radio, alarm services, etc.
Initial Solutions will negotiate with your service providers for discounts on your monthly bills. We will only make changes to features or services on your account (other than adding discounts, credits or promotions) with your permission.
Initial Solutions does not guarantee that savings will be achieved during each negotiation.
2. Your Information & Participation
You agree to provide us accurate and current information, including but not limited to: name, address, phone number, email address, and any passcodes or other verification information required by service providers to negotiate on your behalf. Your personal information is confidential and will only be used within the scope of negotiating discounts and for internal purposes.
Initial Solutions must receive copies of your monthly bill statements with the necessary information required to negotiate discounts on your behalf, such as account number, outline of services/features, etc. You may send them to Initial Solutions through our website, email, fax or mail; or provide information for your Savings Expert to obtain statements directly from your provider.
Some service providers require that you verbally authorize your Savings Expert to speak on your behalf. If this is required as a security measure by your service provider, we won’t be able to negotiate savings on your behalf until you provide your consent.
The person who signs up with Initial Solutions is the person responsible for any and all charges owed to Initial Solutions, regardless of the name on the provider statement. You may submit bills under the name of a third party, such as a spouse, family member, friend or roommate; however you are responsible for paying fees to Initial Solutions.
3. Costs to You
There is no up-front cost to use Initial Solutions
a) If Initial Solutions saves you money, you agree to pay Initial Solutions 50% of the savings.
b) If Initial Solutions does not save you money, there is no charge to you.
4. Billing Process
Initial Solutions will invoice you for 50% of the savings achieved.
a) Savings that are a known amount, such as $10 per month, can be paid monthly; or paid in full at the beginning of the savings period for an additional 10% discount.
b) Savings that are based on usage, such as electricity or gas, must be paid monthly.
Online Billing
Initial Solutions uses an online billing system. You will receive an invoice via email, and can view and pay invoices on our website. We accept online payments securely Stripe.
Pay in Full: If you pay in full for known savings, you can pay online or mail us a check/money order by the invoice due date. If you do not pay your first invoice by its due date, the 10% discount will be removed. 10% pay in full discount only applies to recurring savings, and does not apply to one-time credits or discounts.
Monthly: If you opt to pay your known savings monthly, we offer monthly recurring payments on all major credit/debit cards through Stripe. If your recurring payment does not go through, we will assess applicable late fees and we reserve the right to demand payment in full.
Late Fees & Returned Payments
Payment is due within 15 days of the invoice date. If payment is not received within 15 days, we may charge you a late fee of $5 per month.
If your payment is returned or otherwise rejected for non-sufficient funds, fraud, or any reason, you will be responsible for paying any applicable fees, including bounced check fees, etc.
Non-payment & Collections
If you do not pay Initial Solutions according to these Terms & Conditions, we may charge you a late fee of $5 per month. We also reserve the right to demand payment in full if you are delinquent in paying monthly.
We reserve the right to turn delinquent accounts over to collection agencies and/or report overdue balances to credit bureaus, including Experian, TransUnion and Equifax. If we must engage a collection agency or report your debt to credit bureau(s), we may charge a processing fee of $25 or more, subject to the maximum allowed by law.
If Initial Solutions accepts late or partial payments, we do not waive our right to collect all amounts owed.
Your Savings
Your savings should appear on your provider statements as outlined by your Savings Expert.
a) If the savings do not appear as discussed, you must notify Initial Solutions within 30 days of receiving your Initial Solutions invoice. We will investigate with the service provider and attempt to rectify any mistake. If the savings are not going to appear as originally discussed, Initial Solutions will update its invoice accordingly.
b) If you do not notify Initial Solutions within 30 days, it is assumed the savings appear as discussed and you will owe any applicable fees.
Cancellation of Provider Services
If you cancel your service before all savings appear on your bill(s), you must send documentation showing last date of service, and Initial Solutions will adjust your invoice accordingly. If you have paid in advance, we will issue you a credit to use toward future savings with Initial Solutions.
Chargebacks & Complaints
If you are unsatisfied with Initial Solutions services for any reason, you must contact Initial Solutions and allow us to rectify the situation before attempting a chargeback or making a complaint about the company. Any fees incurred because of a chargeback may be assessed to you.
Rate Increases by Service Providers
Service providers may increase rates/fees for services provided to its customers at any time. Should your rate increase after Initial Solutions has negotiated a discount on your bill, you will still be charged and expected to pay Initial Solutions the invoiced amount it reduced your bill by through its negotiation service. Initial Solution’s negotiated discounts, and service providers’ increasing their rates/fees, are totally unrelated issues and will in no way be commingled.
5. Cancellation of Initial Solutions Services
You may discontinue services withInitial Solutions at any time; to cancel your account, you must notify your Savings Expert via email. However, you will be responsible for paying any outstanding balance and/or applicable fees for savings already achieved.
Initial Solutions reserves the right to cancel your account at any time for any reason, and request payment in full for services rendered.
6. Limitation of Liability & Indemnification
Initial Solutions shall in no event be liable or responsible for any damages to you or to any third party, whether in contract, warranty, tort (including negligence), statute or any other legal theory, or otherwise, for any special, direct, indirect, consequential, incidental, exemplary, liquidated or punitive damages, arising in whole or in part from your access to our websites and/or services. Initial Solutions will have no liability to you or any third party for content uploaded to or downloaded from our website or services.
By using our websites and/or services, you shall indemnify, defend and hold harmlessInitial Solutions and its officers, employees and agents from and against all claims, damages and expenses.
7. Initial Solutions is Not a Financial Advisor
Initial Solutions does not provide financial, legal or tax advice. All services or information provided is not intended to be financial, legal or tax advice. Before making financial decisions, you should consult with your accountant, attorney or other professional advisors who are aware of your personal circumstances.
8. Prohibited Use
You may not use our services or websites other than as expressly allowed.
Any commercial or promotional distribution, publishing or exploitation of our service, content, or other materials is strictly prohibited unless you have received the express written permission from authorized personnel of Initial Solutions.
You are prohibited from accessing or attempting to access information and/or property of Initial Solutions that does not pertain to you, including but not limited to account information, computer equipment and networks, etc. You must comply with all applicable laws and regulations, including but not limited to hacking, phishing, fraud, spamming, etc.
You may not impersonate another user, misrepresent yourself, or provide false information to Initial Solutions.
You may not engage in any activity which encourages conduct that is unlawful, harmful, threatening, abusive, tortuous, harassing, defamatory, obscene, offensive, libelous, hateful or otherwise objectionable.
You may not infringe on the rights or privacy of any person or entity.
You may not transmit or communicate any content or file that is harmful or potentially damaging, including but not limited to spyware, viruses, worms, etc.
You may not attempt to decipher, decode or reverse-engineer any of the software or other electronic equipment that belongs to or is used by Initial Solutions.
You may not compromise or otherwise interfere, in whole or in part, with the actions of Initial Solutions or its officers, agents and employees.
9. Rights You Grant to Initial Solutions
By using our websites and/or services, you are granting us the authority to act on your behalf with your service providers. You acknowledge and agree that Initial Solutions is authorized to speak with service providers on your behalf and make changes to your account, services, and/or features.
10. Modifications
Initial Solutions reserves the right to make changes or updates to our websites, services or content at any time without notice, including but not limited to these Terms & Conditions, billing process, etc. You accept and agree to be bound by any changes to these Terms & Conditions when you use our services or websites after the changes are posted.
11. Applicable Laws
This agreement, its interpretation and its application shall be governed by the laws of the State of Texas, and the parties agree that venue shall be in the federal and state district courts of Nueces County, Texas.
12. Dispute Resolution
Any dispute with Initial Solutions, or its officers, employees or agents, shall be resolved through binding arbitration. You agree to waive your right to a trial by jury or to participate in a class action. You agree that you or Initial Solutions may bring claims against the other only on an individual basis, and not as part of a class. Class arbitrations and class actions are not permitted.
In the event of any legal proceeding between any of the parties to enforce or defend the terms in this agreement, the prevailing party or parties shall be paid all costs of such legal proceeding, including but not limited to reasonable and necessary attorney’s fees, court costs, travel, etc., by the other party or parties.
13. Third Party Links or Services
Our website or content may mention or contain links to third party services or websites. Initial Solutions is not responsible for and does not endorse any third parties or their products/services. You are responsible and liable for any claims, offers, promotions, etc., before purchasing from or dealing with a third party, even if they are partnered or otherwise affiliated with Initial Solutions. Any transactions or dealings made by you with any third parties are exclusive between you and the third party, and Initial Solutions is not responsible.
14. Account Information & Login Credentials
If you create an online account with Initial Solutions, you are responsible for maintaining the security of your username and password. If you share your information with anyone, you are liable for any resulting damage or harm. If you believe your information has been compromised, you must notify Initial Solutions immediately. You are responsible for keeping your account information current and accurate. Initial Solutions is not responsible for any other person or entity gaining access to your account, whether obtained through you, or through violation of these Terms and Conditions.
15. Disclaimer of Representations & Warranties
The content and all services and products associated with Initial Solutions are provided to you “as-is”. We make no representations or warranties of any kind, express or implied.
Initial Solutions does not guarantee the amount of, or if any savings will be achieved during a negotiation.
You expressly agree that your use of Initial Solutions services or websites is at your sole risk.
16. Miscellaneous
If we do not exercise or enforce one or more provisions of this agreement, we still maintain the right to do so at a later date.
If any provision is found by a court of competent jurisdiction to be invalid, the remainder of this agreement shall remain in effect.
If you have any questions about this agreement, please contact us.
