Last updated August 10, 2026 · Operated by 5AM Group LLC, California
Only what we need to negotiate your bill:
We never ask for your Social Security number. Your provider may ask you to confirm the last four digits, a security code, or a PIN as part of verifying your identity — you give that to them, directly, and it's between you and them. We don't record it and we don't keep it.
To prepare for and run your negotiation call, to schedule that call, to charge our fee if we save you money, and to follow up afterward to confirm the savings posted.
That's the whole list.
We do not sell your personal information, and we do not share it with third parties for their own marketing. We never have.
Your card is collected when you submit the intake form and stored securely by Stripe. It is not charged at that time.
It's charged only after a rate reduction is confirmed live on your call and you approve it. Full card numbers are held by Stripe and never stored on our systems.
We don't record calls. You're on the line for the entire negotiation and hear every offer as it's made.
We keep your intake and outcome records as long as needed to run the service and meet tax and record-keeping obligations — generally seven years.
You can ask us to delete yours sooner. See Your California rights.
If you're a California resident, you have the right to know what personal information we've collected about you, to have it deleted, to have it corrected, and to not be treated differently for exercising those rights.
Because we don't sell or share personal information for cross-context behavioral advertising, there's nothing to opt out of on that front — but you're welcome to confirm that with us.
To make a request, email hello@trimmyrate.com. We'll verify your identity first and respond within 45 days.
This service is for adults who pay their own utility bills. It isn't directed to anyone under 18, and we don't knowingly collect information from children.
We use encrypted connections throughout, and payment data is handled entirely by Stripe. No system is perfectly secure, so we keep the amount of sensitive information we hold deliberately small.
If we change this policy, we'll update the date at the top of this page.
Questions about privacy: hello@trimmyrate.com