Faced with a dense, multi-page terms and conditions document for a new financial service, an XDA writer uploaded it to NotebookLM instead of clicking 'I agree'. They asked direct questions about fees, refunds, termination and early-withdrawal penalties, and did the same with their home loan documents to get a clear picture of what they were signing up to.
Using only this document, answer each question and quote the exact clause: 1) What fees will I pay, and when? 2) How can I cancel, and what does it cost? 3) Is there a refund policy? 4) Are there penalties for [EARLY REPAYMENT / EARLY WITHDRAWAL]? 5) What can the provider change without asking me? 6) Anything unusual a typical customer might miss? Say clearly if something isn't covered.
Replace the [PLACEHOLDERS] with your own details before you send it.
How to try it
- Upload the full terms or loan document to a new NotebookLM notebook.
- Ask your questions one by one and click through to the quoted clauses.
- For big commitments, take anything worrying to the provider or an independent adviser before signing.
More money use cases
Spot a wrong charge on a medical bill with ChatGPT
A friend of the poster uploaded her hospital bill to ChatGPT, which picked out an incorrect charge and drafted a dispute letter. The hospital removed the $4,200 charge and marked the account as paid in full.
Here is an itemised bill I've received: [PASTE THE LINE ITEMS, WITH PERSONAL DETAILS REMOVED]. Please 1) explain each line in plain English, 2) flag anything that looks duplicated, unusually priced or inconsistent with [WHAT I WAS ACTUALLY TREATED FOR], and 3) draft a polite letter asking the billing department to review the items you've flagged and send a corrected bill.
Get your broadband bill lowered with ChatGPT
One customer used ChatGPT to help lower his internet bill and came away with $15 a month off and a one-off $25 credit.
I pay [PROVIDER] [MONTHLY PRICE] for [SPEED/PACKAGE] and I've been a customer for [TIME]. Competitors near me offer [DEALS]. Write me a short, friendly phone script to ask for a better deal, including what to say if they first say no, and a line asking for a one-off credit for [ANY PROBLEM, E.G. OUTAGES].
Audit a huge hospital bill line by line with Claude
After a relative's death, a family used Claude to go through a $195,000 itemised hospital bill. It flagged charges billed both as a whole procedure and again as components, plus coding problems, and their letters helped bring the bill down to about $33,000.
I've been sent an itemised bill with billing codes: [PASTE CODES, DESCRIPTIONS AND AMOUNTS]. Go through it line by line. Group the charges, explain what each code normally covers, and flag possible duplicates (for example a main procedure billed again as separate parts), codes that don't match [THE TYPE OF VISIT, E.G. EMERGENCY], and anything you'd question. Then draft a calm, factual letter requesting a review of each flagged line.
Reference: XDA Developers