eLowerBills help well-known banks, insurance companies and personal financial institutes minimize their marketing and advertising budget and connect them to target prospects via our email channel.

Meanwhile, we also help subscribers to lower their monthly expenses on bills and financial services, including credit cards, loans, mortgage and insurance.

For above parties that have new products or better offers to promote and want to lower their cost to the maximum please contact us at sales (at) eLowerbills (dot) com and we will work things out.

We have targeted prospects that are hungry for your service. eLowerbills has been doing this for 6 years since 2006, our clients and subscribers are satisfied with what we have done so far.

Services are broken down into different categories and listed as below:

Credit Cards

• Credit card
• Debit card
• Credit Card Debt Consultation
• And more...

Loans

• Instant payday loan
• Car loan
• Business loan
• Personal loan
• Debt consolidate loan
• And more...

Mortgage

• New home loan plan
• Fixed rate refinance plan
• Low rate refinance plan
• And more...

Insurance

• Life insurance
• Term life insurance
• Health insurance
• Senior health insurance
• Car insurance
• Car warranty insurance
• Extended car warranty insurance
• Home insurance
• Home warranty insurance
• And more...

Other financial services

• Tax deduction consultation
• Credit card debt consultation
• Bankruptcy Solution Help
• And more...

You'll be able to lower your bills online thru responding to our email newsletter recommended offers. Find the right services or plans that best suits your need.

For an example, if you have a term life insurance of $250k coverage right now that cost you more than $16 per month, you can response to one of our newsletter which offers $6 per month on term life with the same coverage provided by one of the leading insurance company.

From there you can approximately save $10 per month which is $120 yearly.

You'll find the right offers that personally suit your individual needs and financial situation from our daily newsletter.

And you could probably cut down your monthly expenses bills and get huge savings. Lower bills results you lesser stress, and you will not have to pay off all your salary just for the bills, better still, you can build a good reputation on credit score.

And also, lower bills means that you will have more money left for saving, and cash for emergency usage.

Therefore, we assure that eLowerBills bring you the best offers.

We may collect and store the following personal information:

• email address and physical contact information;
• transactional information based on your activities on the Site
• community discussions, chats, dispute resolution, correspondence through the Site, and correspondence sent to us;
• computer sign-on data, statistics on page views, traffic to and from the Site, and ad data;
• other information, including IP address and standard web log information: and
• supplemental information from third parties

• provide the services and customer support you request;
• prevent potentially prohibited or illegal activities, and enforce our User Agreement;
• customize, measure, and improve our services and the Site's content and layout;
• tell you about targeted marketing, service updates, and promotional offers based on your communication preferences; and
• compare information for accuracy, and verify it with third parties

We may also share your personal information with:

• service providers under contract who help with our business operations; (such as fraud investigations, bill collection, affiliate and rewards programs and co-branded credit cards)
• other third parties to whom you explicitly ask us to send your information; (or about whom you are otherwise explicitly notified and consent to when using a specific service)
• law enforcement or other governmental officials, in response to a verified request relating to a criminal investigation or alleged illegal activity; (In such events we will disclose name, city, state, telephone number, email address, User ID history, fraud complaints, and bidding and listing history.)
• other business entities, should we plan to merge with, or be acquired by that business entity. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information will be used contrary to this policy, you will receive prior notice.)

Without limiting the above, in an effort to respect your privacy and our ability to keep the community free from bad actors, we will not otherwise disclose your personal information to law enforcement, other government officials, or other third parties without a subpoena, court order or substantially similar legal procedure, except when we believe in good faith that the disclosure of information is necessary to prevent imminent physical harm or financial loss or to report suspected illegal activity.

A few important things you should know about cookies are that:

• We offer certain features that are only available through the use of cookies
• We use cookies to help identify you and maintain your signed-in status
• Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session
• You are always free to decline our cookies if your browser permits, although doing so may interfere with your use of the Site
• You may encounter cookies from third parties on certain pages of the Site that we do not control. (For example, if you view a web page created by another user, there may be a "cookie" placed by that web page.)

Besides sending promotional emails, eLowerBills.com will also send you

• Application process, services, enquiries or feedback
• Service surveys
• Billings or payments
• Public notices

If you would like to contact us for further details, we are contactable at:

eLowerBills LLC
14781 Memorial Drive,
Box # 938
Houston, TX 77079
abuse (at) eLowerBills (dot) com

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• Our email newsletter services for you are free of charge. However, please note that we may receive commission from some of the third parties who advertise on or are linked inside the email newsletter we send or as a result you having responded plans and or services from a Third Party Website. All such commission and fees shall be retained in full by us.
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• We take your privacy very seriously and aim to comply with the relevant provisions of US data protection legislation. We will use any information given to us by you or collected by us during your use of the Website only in accordance with the terms and conditions of our Privacy Policy.

We do not warrant that any of the information provided to you on or in connection with the Website is correct, accurate, complete, error free or up-to-date.

Trademarks, service marks, logos, and/or domain names (including, without limitation, the individual names of products and retailers) are the property of their respective owners.

Should you have any question with regards of the service/product, kindly contact the respective company as of which contact instructions in the redirected website.

We do warrant that the Website is free from viruses or harmful code.

Or, if you encountered any unethical services provided by any third party please let us knows and we will not deal with them anymore.

We provide these services for subscribers to lower their bills and improve financial situation. Our clients and users are satisfied with what we are doing so far. We cannot be so successful without the help from our reliable teammates. Therefore, our biggest asset is our employees and we treasure them. Working with us we ensure you will get better benefits and a brighter future.

eLowerBills are now expanding, we are looking for highly motivated, team players and creative thinkers to join our team. Please look at the current available positions below and send your resume to careers (at) elowerbills (dot) com

Open Positions

Web Designer/Developer

The Web Application Developer will be responsible for supporting the existing infrastructure as well as develop new technologies.

The ideal candidate must show good written and oral skills with demonstrated interpersonal and organization abilities.

Candidate must be able to work in a varied, fast paced environment. Flexibility and tolerance is a necessity.

Duties and Responsibilities:

Include the following. Other duties may be assigned as required.

• Create new Web applications as identified by supervisor and management through packaged and customized applications
• Create a company-wide Intranet, allowing data manipulation for each internal staff member.
• Maintain and enhance existing Web applications and all internal systems are integrated.
• Perform complete testing of Web applications unit and system, engaging users as necessary.
• Conduct all user acceptances testing, and report results
• Design and implement user-driven templates, databases and interfaces for ease of use
• Develop database-driven Web interfaces for rapid, real-time information sharing
• Develop external Web portals allowing users to input and retrieve accurate information
• Candidate must be a team player and willing to teach and to learn.

The Ideal candidate will also possess the following skills:

• Able to work independently and efficiently to meet deadlines.
• Able to promptly answer support related email, phone calls and other electronic communications.
• Self-motivated, detail-oriented and organized.
• Experience with hardware and software issues.
• Skillful in Internet related applications such as E-Mail clients, FTP clients and Web Browsers.
• Excellent communication (oral and written), interpersonal, organizational, and presentation skills.
• Typing proficiency: 30-50 wpm.

Qualification Requirement:

• Bachelor’s degree in computer science, MIS, or related experience.
• Must possess superior skills in ColdFusion 7 +.
• Must possess superior skills in SQL.
• Must possess strong skills in Object Oriented ColdFusion Development.
• Must possess strong skills in Microsoft SQL Server 2005.
• Minimum of two years of ColdFusion experience
• Experience in structured environment with increasing levels of responsibility and complexity
• The ability to communicate and teach non-technical users a must/li>
• Previous experience with ticketing, merchandise, Point-Of-Sale systems a plus
• Excellent written and oral communications skills.

Financial Consultant

The Financial Consultant help users accomplish financial objectives by evaluating financial situation; developing and presenting financial strategies and plans; monitoring changes in financial status and life circumstances. Meanwhile, writing advices on helping clients how to lower bills on different categories such as credit cards, loans, mortgages and insurance.

Duties and Responsibilities:

• Markets services by asking for referrals from current clients via email or other online communication services; responding to inquiries; developing promotions; creates financial planning presentation.
• Assesses clients' financial situation by gathering information regarding investments, asset allocation, savings, tax planning, retirement planning, and estate planning; evaluating risk tolerance.
• Develops financial strategies by guiding client to establish financial goals; matching goals to situation with appropriate financial plans.
• Obtains clients' commitment by explaining proposed financial plans and options; explaining advantages and risks; providing explanations; alleviating concerns; answering questions.
• Monitors clients' financial situation by tracking changes in wealth and life circumstances; analyzing financial plan results; identifying and evaluating new financial strategies; recommending changes in goals and plans.
• Provides financial management information by preparing financial status analyses and reports.
• Updates job knowledge by tracking financial markets, general economic conditions, and new financial products; participating in educational opportunities; reading professional and technical publications; maintaining personal networks; participating in professional organizations.
• Accomplishes organization goals by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments

Qualification Requirement:

• Bachelor’s degree in Financial Consultation
• Must hold a CFP Certificate
• Minimum of three years’ experience
• Excellent written and oral communications skills
• Knowledge and experience with Corporate Finance, Financial Diagnosis, Financial Operations, Financial Planning and Strategy, Financial Skills, Financial Software, Selling to Customer Needs, Informing Others, Financial Licenses, Analyzing Information , Business Knowledge a plus.