Bills & overcharges
Reads your statements, spots errors and creeping "promotional rate expired" hikes, then disputes them with the provider.
- Line-item audits
- Retention offers
- Late-fee reversals
Now in private beta · 2,400 on the waitlist
Life admin, handled.
niloufar.ai is an AI agent that does the boring, infuriating paperwork of being an adult — disputing bills, killing subscriptions, filing claims, and chasing refunds — until they're actually resolved.
- No cost until we win
- You approve every action
- Cancel anytime
Your agent
working · 4 open tasks
-
Disputed Xfinity overcharge 3 calls · 41 min on hold · resolved in 6 days+$184
-
Cancelled 4 zombie subscriptions Found in your statements — you hadn't used them in 7 months+$61/mo
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Appealing denied insurance claim Letter drafted · citing plan §4.2 · awaiting your OKNeeds you
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Refund: delayed flight, 3 seats DOT rule cited · airline responded · escalatingIn progress
Recovered for you this year
$0
0h
Average time an adult loses to life admin per year
$0
Median recovered per member in year one
0%
Of disputes we file end in a credit or refund
0 min
Your total effort per resolved task, on average
The problem
Nobody is coming to fix your paperwork.
The hold music. The "please upload this again." The form that resets when you hit back. Companies profit from your exhaustion — most people give up on money they're owed because the fight isn't worth the afternoon.
So don't spend the afternoon. Send an agent instead.
Capabilities
What your agent takes off your plate
Hand it a mess. It figures out who to contact, what to cite, and how to escalate.
Subscriptions & cancellations
Finds what you forgot you're paying for and actually cancels it — including the ones that hide the button behind a phone call.
- Zombie detection
- Retention-flow navigation
- Proof of cancellation
Insurance & medical
Decodes EOBs, catches coding errors, and writes appeals that quote your actual plan language and state deadlines.
- Claim appeals
- Balance-bill challenges
- Itemized bill requests
Refunds & disputes
Chargebacks, flight compensation, price-match claims, damaged deliveries, and deposits your landlord "forgot."
- Evidence packets
- Regulator escalation
- Deadline tracking
Renewals & deadlines
Registrations, licenses, warranties, appointments. It watches the calendar so you never pay a penalty again.
- Document prep
- Form filling
- Reminders that act
Moving & life changes
New address, new job, new baby, new country. It runs the checklist of forty updates nobody hands you.
- Provider transfers
- Address changes
- Account closures
How it works
Forward the mess. Approve the plan. Get the money.
-
1
Forward it, snap it, or just say it
Email a bill to
me@niloufar.ai, photograph a letter, or text your agent "the gym charged me again." Connect statements read-only and it finds problems on its own. -
2
It builds a plan you can read
Who it will contact, what it will claim, what rule or clause backs you up, and what you'd likely recover. Plain English, no legalese, one tap to approve.
-
3
It does the grinding part
Calls and waits on hold. Writes the letters. Files the forms. Follows up on day 7, 14, 30. Escalates to a regulator when a company stalls.
-
4
You get a result, not a to-do
A credit on your statement, a cancellation confirmation, a claim reversed — plus a receipt of exactly what was done on your behalf.
See it work
One real-shaped case, start to finish
A $412 "out-of-network" lab bill that shouldn't have been out of network.
Day 0
You forward the bill.
Agent extracts CPT codes, provider NPI, claim number, and your plan's network rules.
Day 0
It finds the error.
The lab is in-network under your plan's reference lab agreement. The claim was processed with the wrong facility ID.
Day 1
You approve a one-paragraph plan.
Call insurer → request reprocessing → if denied, file formal appeal citing plan §4.2 and state 30-day rule.
Day 2
52 minutes on hold. Not yours.
Agent reaches a rep, gets a reference number, and requests reprocessing in writing.
Day 9
Follow-up. Then escalation.
No movement, so it files the appeal with the evidence packet already assembled.
Day 23
Reprocessed. You owe $0.
Corrected EOB issued, balance cleared, provider notified. Your total effort: one tap.
$412 saved
Trust & control
An agent with your documents needs real guardrails
So we built the boring parts first.
Nothing irreversible without you
Cancelling, paying, signing, or sharing a document always requires an explicit approval. The agent proposes; you decide.
A receipt for every action
Every call transcript, letter sent, and form filed is logged and readable. You can see exactly what was said in your name.
Read-only by default
Bank and statement connections are read-only. We never hold your money and never move funds.
Your data, deletable
Documents are encrypted at rest, scoped per task, and purged on request. We don't sell data or train public models on it.
Honest about limits
It isn't a lawyer and won't pretend to be. When a case needs a professional, it tells you and hands over an organized file.
Humans on the hard ones
Complex appeals get reviewed by a trained specialist before anything is filed on your behalf.
Pricing
It should pay for itself, or it shouldn't exist
Watchdog
Find the problems yourself, for free.
$0/mo
Start free
- Subscription & bill scanning
- Overcharge alerts
- Renewal & deadline reminders
- Draft letters you send yourself
Handled
The agent does the work, end to end.
$29/mo
Get early access
- Everything in Watchdog
- Unlimited disputes, claims & cancellations
- Calls, hold time & written follow-ups
- Insurance appeals with specialist review
- Regulator escalation when companies stall
- Refunded any month we recover nothing
Household
For families, parents, and caregivers.
$49/mo
Get early access
- Everything in Handled
- Up to 5 people, shared dashboard
- Caregiver mode for aging parents
- Estate & life-event checklists
- Priority specialist review
No contingency fees. We don't take a cut of your refunds — the money you win is yours.
From the beta
People mostly say the same thing
I'd written off $600 because I couldn't face another phone tree. It got $540 back and I did nothing but tap approve.
It found four subscriptions I'd been paying for since 2022. One of them I had to cancel by phone. It just… did that.
I manage my mom's medical bills from another state. This is the first tool that actually reduced the pile instead of organizing it.
The appeal letter it wrote was better than the one I paid someone for last year.
FAQ
The questions everyone asks
Does it really call companies for me?
Yes. The agent places the call, waits through hold, navigates the menu, states your case, and captures the reference number. You get a transcript. For issues better handled in writing, it sends letters and files web forms instead.
Can it spend my money or sign things?
No. It never moves funds, and any binding action — paying, cancelling, signing, or releasing a document — needs your explicit approval first. Bank connections are strictly read-only.
Is this legal advice?
No. niloufar.ai handles administrative processes — disputes, appeals, claims, and cancellations. It cites public rules and your own policy documents, but it isn't a law firm. When something needs a lawyer, it says so and hands you an organized file.
What happens to my documents?
They're encrypted at rest, scoped to the task they belong to, and deletable at any time. We don't sell your data and we don't train public models on it.
What if it doesn't win anything?
On the Handled plan, any month where we recover nothing for you is refunded. We'd rather lose the month than charge you for a tool that isn't paying for itself.
Where is it available?
The private beta is US-only while we build out country-specific rules for consumer protection, insurance, and telecom. Canada and the UK are next. Join the waitlist and we'll tell you when your region opens.
Stop losing afternoons to hold music.
Join the waitlist. We're onboarding a few hundred people a week.
Free to join. No card. We'll only email you about your spot.