Skeptic

Send it any contract, lease, bill, or terms of service and it tells you what's really in it, flags hidden fees and gotchas, and writes the dispute letter.

Watches your inbox and warns you about phishing and scam emails before you fall for them. Stays quiet otherwise.

Helps land this year's hot, hard-to-get holiday gifts at a fair price: suggests toys by age, watches restocks and real price drops, pings only when worth it.