Terms of Service

Last updated 2026-07-23. Plain English on purpose.

The short version

Use of this site and of our free audit is covered by these terms. The audit tells you what looks refundable on your carrier invoices. It is information, not a promise of money. If you later hire us to file, we charge 25% of the credits that actually post to your carrier account, and nothing else. If nothing posts, you owe nothing.

Who you are dealing with

BillTalon is a United States sole proprietorship, run by one person. It is not a law firm, not a licensed freight broker, and not affiliated with FedEx or UPS. You can reach us any time at [email protected].

Agreeing to these terms

By using this site, uploading invoices, or requesting an audit, you agree to these terms. If you do not agree, do not upload anything. You must be at least 18 and using BillTalon for a business, not for personal or household purposes. If you are agreeing on behalf of a company, you are telling us you are allowed to bind that company.

What the free audit is

You send us carrier invoice data. We read it and give you back a list of charges that look refundable, with amounts and the reason for each. That report is informational. Every refund decision is made by the carrier under the carrier's own service terms, not by us, so we do not guarantee any recovery, any amount, or any timeline. Carriers can and do deny claims, including claims we believe are valid. Some carrier agreements waive money-back-guarantee rights entirely, which can make late-delivery charges unrecoverable no matter what the invoice says.

If you hire us to file

Filing is a separate step you have to sign. When you are ready, you e-sign a Service Authorization on your report page. That signed authorization is the contract for the filing work and it controls if anything in it conflicts with this page. In short form, and repeated here so nothing is hidden:

• You add us as a limited user on your own carrier billing account. We never ask for or store your carrier password.
• We prepare and submit refund and billing-dispute claims in your name, on your account.
• The carrier pays every credit directly into your carrier account. We never receive, hold, or route your money.
• Our fee is 25% of refund credits that actually post from claims we filed, billed to your card on file after each credit appears. There is no monthly fee and no subscription, ever.
• Either of us can end the arrangement by email at any time, and you can remove our access from your carrier account yourself in one click.

What you are responsible for

• Your data being right. We audit what you send us. If the invoice export is partial, edited, or from the wrong account, the findings will be wrong too, and we are not liable for that.
• Having the right to send it. Carrier invoices contain your recipients' names and addresses. By uploading, you confirm you are allowed to share that data with a service provider acting for you. We use it only to find refundable shipments, we never contact your recipients, and it is deleted with the rest of your data.
• Your own carrier agreement. Your contract with FedEx or UPS is between you and them. Rate discounts, guarantee waivers, claim windows, and account standing are yours to know and yours to manage. Carriers may exercise discretion over third-party filed claims, including denying them.
• Your account access. Keep your report links and dashboard access to yourself. Report links are private and anyone holding one can see the report.

Acceptable use

Do not use BillTalon to file claims you know are not owed, to upload data you do not have the right to upload, to break a carrier's terms, or to attack, scrape, overload, or reverse engineer this site. Do not upload malware or anything unlawful. We can suspend or end service for any of this, and we will tell you why.

Who owns what

You own your data. Your invoices, your findings, your report. You keep every right in them, and you can have them deleted. You give us permission to process that data only to run your service.

We own our software. The site, the audit engine, the report format, the BillTalon name and logo are ours. Your report is yours to use, share, and act on however you want, including filing the claims yourself. Do not copy the site or resell the service as your own.

If you send us feedback, we can use it to improve the product without owing you anything for it.

No warranties

The site and the audit are provided as is. We do not promise the site will be uninterrupted or error free, that findings will be complete or accepted by a carrier, or that any specific amount is recoverable. To the extent the law allows, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Nothing here is legal, tax, or accounting advice.

Limit on what we owe you

To the maximum extent the law allows, BillTalon is not liable for lost profits, lost refunds, lost data, or indirect, incidental, special, or consequential damages. Our total liability for any and all claims relating to the service is capped at the fees you paid us in the twelve months before the claim arose, or one hundred US dollars if you have paid us nothing. Some states do not allow some of these limits, so parts of this may not apply to you. This cap does not apply to our own fraud or willful misconduct.

Disputes

These terms are governed by the laws of the State of Illinois, without regard to its conflict-of-laws rules. Where a dispute is not sent to arbitration, it belongs in the state or federal courts located in Illinois, and we both agree to that venue.

The Service Authorization you e-sign says, word for word: "Disputes go to binding arbitration or small-claims court, not class action. BillTalon is not a law firm and does not guarantee any recovery amount." The same applies to these terms. Before starting anything formal, email us first. Most problems get solved in one reply.

Changes to these terms

We can update these terms. When we do, we change the date at the top and post the new version here. If a change materially affects you and we have your email, we will tell you before it takes effect. Using the service after a change means you accept it. The version you e-signed with your Service Authorization is frozen in that signed record and does not change underneath you.

Odds and ends

If part of these terms is unenforceable, the rest still stands. Not enforcing something once does not waive it. You cannot transfer these terms without our written okay; we can transfer them if the business is sold, and we will tell you. These terms plus the Privacy Policy and, if you signed one, your Service Authorization are the whole agreement between us.

Contact

Questions about these terms: [email protected].

How we handle your data is covered separately in our Privacy Policy.