Terms of Service

Last updated: 2026-10-02

1. Acceptance

By registering for or using Otto you agree to these terms and our privacy policy. If you don't agree with any of them, don't use the service. These terms form a legal agreement between you and Insyder LLC (Wyoming, USA). Questions to support@ottopocket.com.

2. What Otto is

Otto detects your recurring subscriptions by reading (with your permission) your Gmail inbox, displays the information on a dashboard and — if you turn them on — helps you cancel them and negotiate a better price on the ones you keep. A detailed description of each function and the permissions it requires is in the privacy policy. You can also ask Otto to negotiate from a third-party AI assistant connected to it (section 6.9).

3. Your account

• You must be at least 18 years old (or have guardian consent) and have legal capacity to contract.
• You need an active Google account to connect Gmail.
• You are responsible for keeping your credentials secure. Notify us of any unauthorized use.
• An Otto account is tied to a single person; sharing credentials is not allowed.

4. What you agree to

• Use Otto only for your own data. Don't connect Gmail accounts that aren't yours or that you don't have explicit authorization to connect.
• Don't try to access other users' data or parts of the system that don't belong to you.
• No reverse engineering, mass scraping, or attempts to break the service's security.
• Don't use Otto to send spam, phishing, or any illegal communication via the cancellation or negotiation functions.
• For cancellations, Otto shows you the draft before it sends and you are responsible for reviewing it. For negotiations you activate on autopilot, you authorize Otto to contact your providers — by email from your mailbox or by phone — without previewing each contact; see the authorization in section 6.6. Either way, you are responsible for having authorized the action.
• Don't use Otto for illegal activities or activities that violate Google's terms.

5. What we agree to

• Keep the service running with reasonable availability (99.5% target, no contractual guarantee while the service is in its current version).
• Handle your data according to our privacy policy.
• Notify you by email of substantive changes to the service or to these terms at least 30 days in advance when applicable.
• Keep the subprocessor list in the privacy policy current.

6. Pricing: free service and success fee

6.1. Free core service

Otto's core service — the inbox scan, the subscriptions dashboard and assisted cancellations — is provided free of charge. There is no subscription price for these functions.

6.2. Success fee on negotiations

When you ask Otto to negotiate the price of one of your subscriptions or services, the following applies: if, and only if, Otto obtains a verified saving — a lower price confirmed on your subsequent bill from the provider — Otto charges a service fee of 25% of the verified monthly saving, every month while that saving is in force (sections 6.3 and 6.4). If Otto does not obtain a saving, there is no fee — ever.

6.3. The fee is a subscription proportional to your saving

Before a negotiation starts, you authorize a payment method through our payment processor. That authorization includes a one-time verification charge (currently ARS 15) whose purpose is to confirm that the payment method works.

If Otto does not obtain a saving for you, that verification charge is refunded — you do not have to request it — once that is known: when the subscription is paused because no saving was obtained (about 29 days after you activate it), or if you cancel before Otto obtains a saving. If Otto does obtain a saving, the verification charge counts toward your first fee. While there is no saving the subscription stays paused, charging nothing, with your payment method still on file so that a saving obtained later does not require you to authorize again. Apart from the verification charge, the subscription charges nothing until Otto has obtained and verified a saving for you.

When a saving is verified, the subscription becomes active at 25% of the monthly saving in force, calculated as set out in section 6.4. Because the fee tracks your saving, the amount is not fixed and is not known in advance: it goes up if Otto later obtains a larger saving, it goes down if the saving shrinks, and it is paused when the saving disappears — for example when a promotion lapses — without you having to ask. The fee will never exceed 25% of the saving in force.

You give your explicit confirmation once, when you authorize the payment method. After that, Otto notifies you by email before the amount goes up, and when the subscription starts charging, is paused or is cancelled; your payment processor separately notifies you of every change, including reductions. You can cancel the subscription at any time, from Otto or directly from your payment processor.

6.4. How the fee is calculated

The fee is calculated on the real difference you pay: the actual monthly amount on your bill before the negotiation minus the actual monthly amount after it. Each month the fee is 25% of that monthly difference, for as long as it lasts. It is never calculated on the "% off" or list-price figures a provider advertises, which are frequently inflated. Otto emails you the amount and how it was calculated before the subscription starts charging and before it goes up.

6.5. Refunds and disputes

Success-fee charges are governed by our refund policy, which covers the statutory cooling-off rights of consumers in Argentina, the EU and the UK, plus what happens if a provider reverts a negotiated discount. If you believe a fee was charged on a saving that was not actually applied, write to support@ottopocket.com.

6.6. Autopilot authorization (acting on your behalf)

When you activate a negotiation, you authorize Otto to act as your limited agent for that purpose: to contact the relevant provider and negotiate a better price on your behalf. Depending on the provider, that contact happens by email sent from your connected mailbox or by phone calls that Otto places to the provider's customer-service lines, interacting with both automated systems and human representatives — using automated, AI-generated voice, or through a person on Otto's team. Under the autopilot model Otto does this without showing you each message or call first — the authorization you give when you activate the negotiation stands in for per-message approval.

Providers only discuss an account with its holder. You therefore expressly authorize Otto, during these contacts, to validate the account using the account holder's data that you provided — such as the holder's name, national ID number, customer number or line number — exclusively for the limited purpose of obtaining better conditions on that account, and always lawfully.

On the phone, Otto calls on the holder's behalf and with the holder's authorization, and never claims to be the holder; when the call is made by Otto's AI voice, it introduces itself as the holder's virtual assistant. Emails are sent from your own connected mailbox, as messages from you.

Three limits protect you: Otto acts only within the scope you authorized (negotiating your own subscriptions and services, nothing else); it only pursues changes that reduce what you pay without degrading the service you have; and it will not accept on your behalf any offer that binds you to a new commitment — such as a minimum-term, a permanence clause or a plan change — without checking with you first. You can withdraw this authorization at any time by writing to support@ottopocket.com or, if you gave it through an AI assistant connected to Otto, yourself at ottopocket.com/vincular/permisos. Withdrawing it stops Otto from contacting providers on your behalf, including for pending negotiations, until you authorize it again. Discounts already obtained remain in place; the fee on them ends when you cancel the subscription (section 6.3). You remain responsible for having authorized Otto to act.

6.7. Your accounts with your providers

By asking Otto to negotiate a service, you declare that you are the holder of that account, or that you have the holder's express permission to manage it (for example, a plan in a family member's name). If that declaration is false, you — not Otto — are responsible for the consequences of the negotiation, as set out in section 12.

Some providers may additionally require the holder to confirm the request — for example by answering a verification call, confirming in the provider's app, or sharing a verification code the provider sends to the holder. You agree to cooperate with these confirmations when Otto asks for them; without them, a negotiation may fail through no fault of Otto's.

Otto never asks for the passwords of your provider accounts and does not log into those providers' portals with your credentials. Everything Otto needs, it reads from your bills and from the information you give it.

6.8. Legacy paid plans

If you purchased a legacy Otto Pro subscription before the success-fee model launched, the subscription terms in force at the time of your purchase (including auto-renewal, proration and cancellation rules) continue to apply to that plan until you cancel it or migrate to the current model.

6.9. Using Otto from an AI assistant

You can connect Otto to a third-party AI assistant — for example Meta's Muse, Anthropic's Claude or OpenAI's ChatGPT — and ask it to check whether a bill can be negotiated, to request a negotiation, or to follow one. When you do:

• You link the assistant on Otto's own page, signed in to your Otto account, and you see what it will be able to do. The authorization in section 6.6 and the fee in section 6.2 are accepted separately, also on Otto's pages, and each acceptance is recorded with the version of its text.
• The assistant only passes on to Otto the bill data you choose to share. ID numbers and payment details never go through the assistant: you enter them only on Otto's pages, and nothing is paid inside the assistant.
• A negotiation is requested only with your explicit confirmation in the assistant, and these terms apply to it exactly as if you had requested it in Otto.
• The assistant is provided by a third party under its own terms. Otto is not responsible for the assistant or for what it says, and that third party is not a party to these terms.
• You can disconnect the assistant at any time, from Otto's settings or from the assistant. Its access ends immediately and Otto deletes the copy of the data that assistant sent; your Otto account and what is already in it remain until you delete them, as described in the privacy policy.

7. Cancellation and account deletion

You can delete your Otto account at any time from Settings → Account or from the deletion page. When you delete your account, all your data is removed within 30 days and any paid subscription is cancelled with no further renewals.

Otto reserves the right to suspend or cancel accounts that violate these terms, with prior notice when possible. For serious violations (fraud, abuse, illegal activity) suspension may be immediate.

8. Artificial intelligence and limitations

Otto uses AI models to detect subscriptions, draft cancellation and negotiation emails and classify replies. Outputs are approximations: they may contain errors, miss subscriptions, misidentify a charge or draft an email with inaccuracies. For cancellations, Otto shows you the draft so you can review it before it sends. For negotiations you run on autopilot, you have authorized Otto (section 6.6) to send messages and place calls on your behalf without previewing each one; by activating autopilot you accept that what Otto writes and says — which may contain the inaccuracies above — goes out without your per-message review. Otto still will not, on your behalf, accept an offer that binds you to a new commitment without checking with you first.

9. Intellectual property

Otto (software, brand, design, content) is owned by Insyder LLC. You retain all rights to your data: what Otto detects, what you manually add, your notes, your cancellations — it's all yours. Otto only processes it to provide the service.

10. Disclaimers

Otto is offered "as is". We do our best to make subscription detection accurate, but we do not guarantee detection of 100% of your subscriptions nor that cancellation emails will be accepted by all providers. You remain responsible for reviewing your expenses and cancelling subscriptions you don't want.

Otto is not a financial, legal or accounting advisor. The information we display is informational only and does not constitute professional advice.

11. Limitation of liability

To the maximum extent permitted by applicable law, neither Insyder LLC nor its officers, employees, subprocessors or affiliates are liable for indirect damages, lost profits, lost data, incidental or consequential damages arising from use of the service. Otto's maximum cumulative liability, on any cause, is limited to the greater of: (a) the amount you have paid Otto in the 12 months preceding the event giving rise to liability, or (b) USD 100.

12. Indemnification

You agree to indemnify and hold Otto harmless against third-party claims arising from your breach of these terms, your improper use of the service (including emails sent through the cancellation function, and actions you asked Otto to take on accounts you were not authorized to manage) or your violation of third-party rights.

13. Force majeure

Otto is not responsible for failures or interruptions caused by events outside our reasonable control: outages of Google APIs, Composio, Stripe, Vercel, Firebase, AI providers, denial-of-service attacks, internet infrastructure failures or similar events.

14. Changes to these terms

We may update these terms. For substantive changes we notify you by email at least 30 days in advance. Continued use after notification means acceptance.

15. Governing law and jurisdiction

These terms are governed by the laws of the State of Wyoming, United States, without regard to conflict-of-laws rules. Any dispute we cannot resolve in good faith will be submitted to the courts of the State of Wyoming. This does not deprive consumers of any rights they may have under mandatory legislation in their place of residence.

16. Contact

Questions or complaints to support@ottopocket.com.