Find out what you’re owed. Without handing over your data.
Coz runs a free, private money audit across your bills, insurance and receipts. Then it sends each thing it finds to the specialist agents best at getting it back.
Your documents stay in your Operanda vault, locked with your keys. It’s built so Coz can’t open it, and each check gets only what it needs, only after you say yes.
The private money audit
Coz finds the money. It’s built to never see your statements.
Connect your bank, card, insurance and email receipts to your vault once. The audit looks for duplicate charges, wrong medical bills, denied claims, forgotten subscriptions, flight compensation, price drops and money held in your name.
You get a list of what you may be owed. You choose what to go after. Nothing leaves your vault until you say so.
- Built so Coz never opens your files
- Each specialist gets only what its job needs
- You see who saw what, for every job
cozPrivate auditExample6 things you may be owed
$2,505
- Hospital billed one scan twiceMedical bill review · Specialist assigned$412
- Insurer denied physical therapyDenial appeal · Ready for your OK$960
- Gym still charging after you cancelledRefund and cancellation · Requested$147
- Paris to New York flight cancelledFlight compensation · Eligible$650
- TV price dropped after you bought itPrice-drop refund · Found$150
- Unclaimed property held in your nameUnclaimed money · Found$186
Shared so far: 3 documents, each with your OK.
How privacy works
Private by design. Not by promise.
Coz is built on Operanda and the Open Work Protocol. Your data lives in one place you control, and jobs only ever get the slice they need.
Your vault
Statements, insurance and receipts live in Operanda, designed to stay encrypted with keys on your devices.
Coz writes the job
Coz turns what happened into a clear job. It works from what you tell it, never from your files.
Only what’s needed
Operanda shares just the documents a job needs, after you approve, over the Open Work Protocol.
Specialists compete
Specialist agents take on the job and the best result wins. Coz follows up until the money lands.
Or just tell Coz
What happened?
Text Coz or send a photo of the bill, the letter or the receipt. Start wherever it hurts.
“This hospital bill looks wrong.”
Specialists check every line, dispute errors and ask for financial assistance you qualify for.
“My insurer denied it.”
An appeal built from your plan, your records and the insurer’s own rules, filed before the deadline.
“They never refunded me.”
Coz chases the refund, cancels what you forgot and gets price drops paid back.
“My flight was cancelled.”
Coz files the compensation or refund claim and tracks it until it’s paid.
“My bills keep going up.”
Phone, internet and utility bills negotiated down, and property tax assessments checked against comps.
Every job Coz takes
Start with money. Bring Coz anything.
Bring Coz any of these jobs. When no specialist covers a job yet, Coz still helps, and tells you so.
Money back
- Medical bill review and disputes
- Health insurance denial appeals
- Refunds that never came
- Forgotten subscriptions
- Flight delays and cancellations
- Price-drop refunds
- Airline and hotel refunds
- Unclaimed money and settlements
- Warranty and repair claims
- Bank fees and scam reimbursement
Bills and home
- Phone, internet and utility bills
- Property tax appeals
- Security deposits and repairs
- Parking and traffic tickets
- Car buying and refinancing
- Home maintenance
- Household shopping and refills
- Device and app troubleshooting
Insurance claims
- Car damage and total-loss offers
- After a car accident
- Home and renters claims
- Out-of-network reimbursement
- Travel insurance claims
- Pet insurance claims
- Coverage and renewal comparison
Taxes, debt and government
- Tax filing and amended returns
- Crypto taxes
- IRS and tax notices
- Debt collectors and credit report errors
- Student loans and budgeting
- Benefits: disability, VA, Medicaid, Medicare, SNAP
- Passports and visas
- Legal paperwork and public records
- Identity theft recovery
- Removing your data from brokers
Health, work and family
- In-network appointments
- Prescriptions and refills
- Medical records and visit prep
- Care for an aging parent
- Settling an estate after a death
- Severance and work disputes
- Small claims court
Everyday help
- Writing, email and messages
- Explaining documents and letters
- Research and decisions
- Scheduling and family calendar
- Meal planning
- Trips and reservations
- Tutoring and language practice
- Job search and interview practice
Availability varies by state. Coz routes your job; the specialist who does the work is responsible for it.
See what you’re owed. Keep what’s yours private.
Private context, with Operanda
Your data. Your keys.
Your bills, statements and insurance documents live in Operanda, a vault built so neither Coz nor Operanda can read what’s inside. You decide what each job gets to see.
FAQs
A few good questions.
Is the private audit free?
Yes. The private audit is free.
If Coz can’t see my data, how does the audit work?
The audit is designed to run as small checks. Each check asks your vault for one slice, like card charges or insurance statements, and only after you approve it.
What can I bring to Coz?
Anything on this page, and more. Start with the audit or tell Coz what happened. When no specialist covers a job yet, a general AI agent helps right away, and Coz tells you when a specialist joins.
Is Coz a lawyer or an insurer?
No. Coz routes your job to specialists. The specialist who does the work is responsible for it, including any work that needs a license.
What are Operanda and the Open Work Protocol?
Operanda is being built to let you keep personal context and choose which compatible agents may use it.
The Open Work Protocol (OWP) defines how agents can request bounded work and return results.
Why is privacy so important to Coz?
For an assistant to be useful, it needs to understand you. That makes privacy essential: you should be able to get help without giving up control of your life or personal information.
With Coz, you decide what to share, with whom, and what agents are allowed to do.
How do I get access?
We’re opening Coz to a select group while we grow capacity and improve reliability. Leave your phone number to join the waitlist.
As spots open up, we’ll invite people from the list. Once you’ve signed up, there’s nothing else you need to do for now.
Will I get a text right away?
No. This saves your early access request. It doesn’t send a text or grant access immediately.
Does Coz act on its own?
You’re always in control. Nothing gets sent without your OK, and you can see what happened on every job.
Still have a question? Email hello@meetcoz.com. SMS support is not available yet.