Terms of Service

These Terms of Service ("Terms") form a binding agreement between you ("you," "Client") and Rochester Concierge, owned and operated by Ben Murray in Rochester, New York ("we," "us," "our"). By creating an account, submitting a request, or using our website (rochesterconcierge.com), you agree to these Terms. If you do not agree, do not use the service.

1. Services we provide

Rochester Concierge is a personal-services and IT concierge. Services may include internet/TV/mobile bill review and negotiation, IT help, new-home technology setup, small-business IT support, insurance-quote shopping, customer-service advocacy, and personal device security. We are not a licensed insurance broker, attorney, or accountant; we advocate on your behalf and shop rates but do not provide licensed insurance, legal, or tax advice.

2. Eligibility & account

You must be at least 18 years old and legally able to enter contracts. You are responsible for the accuracy of the information you provide, for keeping your password and account PIN confidential, and for all activity under your account. Notify us immediately of any unauthorized use.

3. Authorization to act on your behalf

When you request that we contact a provider (e.g., your internet, TV, mobile, or insurance carrier), you authorize Rochester Concierge to act as your limited agent for the specific request. You represent that the information you provide is accurate and that you are authorized to grant this permission for the account in question.

4. Fees

• Bill negotiation (internet/TV/mobile): our fee is 20% of the first twelve (12) months of verified savings, invoiced after the reduced bill is confirmed.
• IT help: billed at $95/hour, in 15-minute increments, with a 30-minute minimum.
• New-home setup, small-business IT, security services: quoted per project or as recurring service; details on your written estimate.
• Insurance shopping & customer-service advocacy: often complimentary; any fee will be disclosed in advance in writing.

All fees are in USD. Sales tax will be added where required by New York law.

5. Payment, invoices & auto-charge

Invoices are due on receipt unless otherwise stated. We use Stripe to process payments; you agree to Stripe's terms. You may enroll in recurring auto-charges for monthly business subscriptions; you can cancel auto-charge at any time from your dashboard, and cancellation takes effect at the end of the then-current billing period. Late invoices accrue 1.5% per month or the maximum permitted by New York law, whichever is less.

6. Refunds

Bill-negotiation fees are refundable if the promised savings do not materialize within the first billing cycle after the change. Hourly IT work is billed for time actually spent and is not refundable once performed, but we will make it right if a mistake is on us. Contact us within 14 days of an invoice to dispute a charge.

7. Acceptable use

You will not use the service to (a) violate any law, (b) infringe intellectual-property rights, (c) upload malware, (d) attempt to gain unauthorized access to any account, system, or data, (e) scrape or overload our systems, or (f) misrepresent your identity or authority. We may suspend or terminate accounts that violate these Terms.

8. Third-party services

Our service integrates with, or interacts with, third parties (e.g., your carriers, Stripe, Google/Apple sign-in). We are not responsible for the availability, terms, pricing, or conduct of those third parties.

9. Confidentiality & privacy

We protect your information per our Privacy Policy and Data Retention Policy, which are incorporated by reference into these Terms.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE ANY SPECIFIC AMOUNT OF SAVINGS, ANY PARTICULAR INSURANCE QUOTE, OR THAT THIRD-PARTY PROVIDERS WILL AGREE TO OUR REQUESTS.

11. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ROCHESTER CONCIERGE'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE SIX MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) $500. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW (INCLUDING GROSS NEGLIGENCE OR WILLFUL MISCONDUCT).

12. Indemnification

You will indemnify and hold harmless Rochester Concierge and Ben Murray from any third-party claim arising from (a) inaccurate information you provided, (b) your misuse of the service, or (c) your violation of these Terms or applicable law.

13. Termination

You may close your account at any time from your profile page. We may suspend or terminate the service for violations of these Terms, for non-payment, or if we discontinue the service. Sections that by their nature should survive (fees owed, disclaimers, limitations, indemnity, governing law) will survive termination.

14. Governing law & venue

These Terms are governed by the laws of the State of New York, without regard to conflict-of-laws principles. Exclusive venue for any dispute is the state or federal courts located in Monroe County, New York, and each party consents to personal jurisdiction there. This does not deprive New York residents of any protection under mandatory consumer-protection laws.

15. Changes

We may update these Terms. We will post the new effective date and, for material changes, notify you in-app or by email. Continued use after the effective date constitutes acceptance.

16. Contact

Rochester Concierge · Rochester, NY · hello@rochesterconcierge.com · (585) 371-8188