Consumer Protection Intelligence.
Built on FTC Rulings and Consumer Law.
Powered by ShieldEngine™ — built exclusively for financial protection, not general conversation.
What Warnvo Does
Upload any bill, contract, or suspicious message. We find every violation, cite the exact law, and hand you a dispute letter ready to send — in 60 seconds.
Upload Bill
Your Bill
PDF, image, or email forward
Analyzing every line item...
Dispute letter ready
Cites FTC Act §5 · Ready to send
MEDICAL BILLS
Maria got a $4,200 hospital bill.
ShieldEngine found 3 illegal charges.
She disputed $1,840.
No Surprises Act §2799B-2
Real situations. Real laws. Real results.
Your guide to 20+ ShieldEngine™ specialists
+ 16 more specialists available
Americans overpay $300 billion every year on bills they never question.
You finally have someone on your side.
We read your bills, catch what's wrong, cite the exact law, and draft your dispute letter — while you do nothing.
Your situation will be matched to the right specialist immediately.
Not a law firm · Results are informational only · Not legal advice
One Engine. Two Paths.
Whether you're disputing a $47 cable charge or protecting 200 clients a month — ShieldEngine™ works the same way. You just choose your level.
For You & Your Family
- Forward any bill to [email protected] — law-citing dispute letter in 60 seconds
- ReplyShield™ — Forward any threatening letter to [email protected]. ShieldEngine™ reads it, asks clarifying questions, and drafts a law-citing response. No lawyer. No waiting.
- 50 scans + 15 ReplyShield™ responses per month
- Works in 95+ languages
For Professionals Who Protect Others
- Branded client portal — your logo, your clients, your results
- Unlimited scans + unlimited ReplyShield™ — protect every client without counting responses
- Client folders, bulk analysis, audit log, team seats
- Built for: Attorneys · Billing Advocates · Property Managers · Insurance Adjusters · CPAs · HR
Every scan. Every letter. Every reply — built on FTC rulings and consumer law. Not AI guesses.
How It Works in 3 Steps
01
Upload your bill
Photo, PDF, screenshot, or paste the text. Any bill. Any language.
02
ShieldEngine™ analyzes every line
20+ specialized detection agents check for overcharges, violations, and scam patterns — in about 60 seconds.
03
Dispute letter ready to send
Your letter cites the exact FTC, FDCPA, and CFPB rulings that protect you. Copy, send, or email it directly.
No credit card required
Stop paying charges you never agreed to.
AMA CPT Guidelines
No Surprises Act §112
- Flags overcharges with cited statutes
- 20+ bill types covered
- Dispute letters in 60 seconds
+ 17 more specialists covering every bill type you face
In 47 countries. 95 languages. ShieldEngine™ travels with you.
≈ $63.00
≈ $27.00
≈ $414.00
- Dispute letters in the bill's original language
- Live currency conversion on every line item
- Flags resort fees, DCC scams, and surcharges
Covering hotels, airlines, restaurants, currency exchange, and tour operators
Your clients don't know what they signed. Now you do.
Cites UCC §2-719, IL Consumer Fraud Act
- Contract red flag detection with cited case law
- Client Folders + bulk upload + CSV export
- White-label dispute letters ready to send
- All 20+ ShieldEngine™ specialists
+ attorneys, property managers, HR professionals, and billing advocates
20+ specialists · 95+ languages · 40+ countries · Not a law firm · Built on real consumer protection law · No credit card required to start
Right now, someone is overpaying. It might be you.
These are real violations ShieldEngine™ catches every day.
Every flag is grounded in federal and state consumer protection law.
$5,078 flagged so far today
0%
of medical bills contain at least one error
— AAFP / Medical Billing Advocates of America
$0
average overcharge on hospital bills over $10,000
— NerdWallet Health Study
0 sec
average ShieldEngine™ analysis time
Upload any bill or document — or just forward an email to [email protected] — and get a plain-english breakdown of what's wrong, what law covers it, and what to do next — in about 60 seconds.
No credit card required. No account needed for your first scan.
How Warnvo works
Upload any bill or document and let ShieldEngine™ handle the hard part.
Powered by ShieldEngine™ — built on FTC Rulings and Consumer Law.
Upload your bill or document
Snap a photo, upload a PDF or screenshot, or paste the text. Warnvo supports bills, contracts, receipts, statements, and offers in 95+ languages.
ShieldEngine™ analyzes every line
34 specialized detection agents check for overcharges, junk fees, scams, and risky clauses, routing each document to the right modules based on content and type.
See every issue in plain language
Get a clear breakdown of each flag and the specific legal or pricing basis behind it — no legal background required.
Send ready-to-go dispute filings
ShieldEngine™ generates dispute letters and filings that cite the exact statutes, regulations, and consumer-protection rules that apply, ready to email or download as PDF.
Upload photos, PDFs, screenshots, or text · Works on desktop and mobile
What Warnvo can scan and catch
34 ShieldEngine™ detection agents built for real-world bills, scams, and contracts.
Bills & Everyday Charges
Everyday bills hide line-item errors, mystery fees, and charges you never agreed to. Warnvo's core agents and bill analyzers help you catch them before or after you pay.
Fee Forensics Engine
Line-item overcharge detection across all bill types
Utility Bill Analyzer
Billing errors, illegal assessments, and unexplained usage spikes
Contractor Invoice Fraud Detector
Bid padding, change order games, and materials markup
HOA Fine & Assessment Analyzer
Improper fines, illegal assessments, CC&R overreach
Government Fee & Fine Checker
Improper government fees, fine violations, overpayment recovery
Works across all bill types and industries
Who it's for
Built for people who are tired of feeling outgunned by fine print
Warnvo is for anyone who's ever looked at a bill, contract, or scammy message and thought, "Is this even legal?"
Everyday Consumers
Check medical bills, utilities, restaurant receipts, repair invoices, and subscriptions. Stop paying for charges you never agreed to.
For Consumers →Travelers
Protection against hotel junk fees, airline cancellations, luggage issues, and foreign payment tricks. Know your rights before and after every trip.
For Travelers →Families
Use one account to keep an eye on bills and scams for your whole household.
See Plans →Pros & Firms
Attorneys, advisors, and agencies that review many client documents and want faster, more consistent screening and dispute drafts.
For Professionals →No legal background required · Plain-language results you can actually act on
Why people trust ShieldEngine™
Warnvo is not a law firm. ShieldEngine™ is built on the same rules and patterns regulators care about.
Use Warnvo to understand your bills and support your own disputes and professional advice.
Built on real consumer-protection law
ShieldEngine™ detection agents are designed around consumer-protection rules, regulatory guidance, and real-world patterns of junk fees, scams, and billing abuse.
Every flag has a clear basis
Every flag links back to a clear basis: a statute, regulation, or pricing benchmark — not just a vague 'this looks wrong.'
Your documents are not stored
Warnvo does not store your bills or financial documents after analysis.
95+ languages, any country
Works in 95+ languages, any country, any currency, adapting to local consumer-protection standards where applicable.
Supports your process
Results are informational and meant to support your own disputes or conversations with professionals.
Transparent about what it is
ShieldEngine™ is not a substitute for legal advice. Use results to ask better questions and file stronger disputes.
ShieldEngine™ is not a substitute for legal advice · Use results to ask better questions and file stronger disputes
HOW WARNVO COMPARES
Why people switch to Warnvo
Most services cover one problem. Warnvo covers all of them.
| Feature | Warnvo | DoNotPay | AirHelp | SoloSuit | LegalShield |
|---|---|---|---|---|---|
| Medical bill analysis | |||||
| Debt collection defense | |||||
| Travel & hotel disputes | |||||
| Contract red flag review | |||||
| Scam detection | |||||
| 95+ languages | |||||
| Dispute letters included | |||||
| Starts free | |||||
| No law firm required | |||||
| Named specialist agents |
Competitor feature comparison based on publicly available information. Features may vary.
Start free — no credit card required →Pricing
Simple plans for individuals and pros.
Start free, then upgrade only if you need more volume and workflow features.
Free
Occasional bill checks
- ✓Occasional bill checks
- ✓1 ReplyShield™ per month
- ✓Access to core ShieldEngine™ agents
- ✓Instant access, no credit card required
- ✓Access to Agent Sunny for triage
Traveler
For trips where you want ShieldEngine™ checking your hotel folios, airline and train tickets, and short-term rental invoices.
- ✓Hotel folio review — resort fees, surcharges, duplicates
- ✓Airline, train, and short-term rental invoice checks
- ✓Currency conversion overcharge detection
- ✓Dispute letters for travel charges in 95+ languages
- ✓ReplyShield™ included
- ✓Marco, Jordan + travel specialists included
Pro
Unlimited scans for one user
- ✓Unlimited scans for one user
- ✓Full dispute filings with cited rules
- ✓Priority analysis and email delivery
- ✓95+ languages, any country
- ✓ReplyShield™ included
- ✓Full access to all 20+ ShieldEngine™ specialists
Family
One subscription for the whole household
- ✓One subscription for the whole household
- ✓Multiple family members under one account
- ✓Shared view of bills, results, and dispute letters
- ✓ReplyShield™ included
- ✓All specialists available for every family member
Pro Business
Built for attorneys, advisors, and agencies
- ✓Built for attorneys, advisors, and agencies
- ✓Bulk document review, higher volume limits
- ✓Client Folders, bulk upload, bulk email
- ✓CSV export and access to all 20+ specialists
- ✓ReplyShield™ included
Free
Occasional bill checks
- ✓Occasional bill checks
- ✓1 ReplyShield™ per month
- ✓Access to core ShieldEngine™ agents
- ✓Instant access, no credit card required
- ✓Access to Agent Sunny for triage
Traveler
For trips where you want ShieldEngine™ checking your hotel folios, airline and train tickets, and short-term rental invoices.
- ✓Hotel folio review — resort fees, surcharges, duplicates
- ✓Airline, train, and short-term rental invoice checks
- ✓Currency conversion overcharge detection
- ✓Dispute letters for travel charges in 95+ languages
- ✓ReplyShield™ included
- ✓Marco, Jordan + travel specialists included
Pro
Unlimited scans for one user
- ✓Unlimited scans for one user
- ✓Full dispute filings with cited rules
- ✓Priority analysis and email delivery
- ✓95+ languages, any country
- ✓ReplyShield™ included
- ✓Full access to all 20+ ShieldEngine™ specialists
Family
One subscription for the whole household
- ✓One subscription for the whole household
- ✓Multiple family members under one account
- ✓Shared view of bills, results, and dispute letters
- ✓ReplyShield™ included
- ✓All specialists available for every family member
Pro Business
Built for attorneys, advisors, and agencies
- ✓Built for attorneys, advisors, and agencies
- ✓Bulk document review, higher volume limits
- ✓Client Folders, bulk upload, bulk email
- ✓CSV export and access to all 20+ specialists
- ✓ReplyShield™ included
Upgrade or downgrade anytime · No long-term contracts
Scan any bill in seconds
Upload a bill, let ShieldEngine™ analyze it, and see in plain language what looks wrong and why.
Forward your first bill. Free. Right now.
Built on FTC Rulings and Consumer Law. Not AI guesswork.
- ✓Works on desktop and mobile.
- ✓Photo, PDF, screenshot, or pasted text.
- ✓Dispute filings ready to send from inside Warnvo.
No credit card required · Works on desktop and mobile
Worried an offer or bill might be a scam?
Before you send money or accept the charge, run it through Warnvo. ShieldEngine™ checks for scam patterns, junk fees, and unfair terms so you can decide with more confidence.
- →Works for crypto offers, fake invoices, suspicious emails, texts, and QR codes.
- →Also analyzes traditional bills and contracts.
Scan is free to start · Results in under a minute for most documents
How ShieldEngine™ works under the hood
34 specialized detection agents, one clear result you can act on.
You upload
ShieldEngine™ Orchestrator receives your bill, contract, or message and determines its type and content.
Agents are routed
The right detection agents are activated based on document type — up to 34 agents working in parallel.
Rules are applied
Core agents look for line-item overcharges, junk fees, scam patterns, and risky clauses using consumer-protection rules and real-world case patterns.
Issues are explained
Each issue is explained in plain language and linked to the statute, regulation, or pricing benchmark it appears to violate.
Dispute filing generated
ShieldEngine™ generates a dispute filing or letter that you can send directly from Warnvo as a professional PDF email attachment.
Bills and financial documents are not stored after analysis. Results are meant to support your own decision-making and conversations with professionals.
Informational tool only · Not a law firm · Not a substitute for legal advice