1. The Service

SubSSwitch is a subscription management tool that helps you:

• Detect recurring subscription payments by analyzing bank transactions and/or inbox content (with your explicit consent)
• Visualize your active subscriptions and upcoming renewals
• Receive recommendations for alternative services that may better suit your needs
• Manage, rotate, or cancel subscriptions

The Service is offered on a freemium basis. There is no paid tier. We earn revenue exclusively through affiliate commissions when you choose to switch to or sign up for a recommended service through links provided in the Service. See Section 5 below.

2. Eligibility

You must be at least 18 years old to use the Service. By creating an account, you represent that you meet this requirement and that all information you provide is accurate and current.

3. Account Creation

You can create an account using one of three methods:

• Sign in with Google
• Sign in with Apple
• Email address and password

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately at support@subsswitch.app if you suspect unauthorized access.

4. Bank Account Connection and Statement Uploads

4.1 Connecting via Plaid or TrueLayer

If you choose to connect your bank account, the connection is provided by either Plaid Financial Ltd. or TrueLayer Limited (depending on your region), under their own terms. We receive read-only access (Account Information Services) to your transaction data and use it solely to identify subscription charges. We do not initiate payments on your behalf.

4.2 Bank Statement Uploads

If you upload a bank statement file (CSV, Excel, OFX, QFX, or PDF), you grant us the right to process it to extract subscription-related transactions. The file is stored securely (see our Privacy Policy for details) and deleted 90 days after upload.

You are responsible for the accuracy of any data you upload. You confirm that you have the right to upload and process the data contained in the file.

5. Affiliate Recommendations

SubSSwitch displays recommendations for alternative subscription services. When you click on a recommendation link and sign up for that service, we may receive an affiliate commission from the merchant.

• Affiliate commissions do not increase the price you pay
• We disclose affiliate relationships transparently within the Service
• Our recommendations are based on a combination of factors (price, features, user reviews, market relevance) and are not exclusively determined by commission rates
• You are under no obligation to use any recommended service

We are not responsible for the products, services, terms, pricing, or conduct of third-party merchants whose offerings appear in the Service.

6. Email Inbox Scanning

Email inbox scanning is an optional feature that requires your separate, explicit consent in addition to your acceptance of these Terms.

6.1 What This Feature Does

If you enable inbox scanning, you grant SubSSwitch read-only access to one or more of your email accounts (Gmail, Outlook, iCloud Mail) for the limited purpose of detecting subscription-related emails (confirmations, billing receipts, renewal notices).

6.2 What This Feature Does Not Do

• We do not store the content of your emails in our database
• We do not read or analyze personal correspondence
• We do not use email data for advertising
• We do not use email data to train AI or machine learning models
• We do not transfer email-derived data to third parties, except to our AI processor (Anthropic) under strict content limits as described in our Privacy Policy

6.3 Acknowledgment

Your inbox may contain personal communications, including messages from healthcare providers, financial institutions, contacts, colleagues, and other third parties. By enabling inbox scanning, you acknowledge that:

• You have the right to grant SubSSwitch access to your inbox
• Inbox scanning is performed automatically and is limited to detecting subscription information
• You can revoke this access at any time via your email provider's account settings (links provided in our Privacy Policy)

6.4 Provider-Specific Terms

• Gmail access is governed by the Google API Services User Data Policy, including Limited Use requirements
• Outlook access is governed by Microsoft's terms for the Microsoft Graph API
• iCloud Mail access is governed by Apple's terms for app-specific passwords and IMAP

7. Third-Party Services

The Service relies on the following third parties. Your use of features that depend on these services is also subject to their respective terms:

• Railway Corporation — hosting infrastructure
• Plaid Financial Ltd. and TrueLayer Limited — bank account connection
• Anthropic PBC — AI-based content analysis
• Google — Sign in with Google, Gmail scanning
• Microsoft — Outlook scanning
• Apple — Sign in with Apple, iCloud Mail scanning
• Resend — transactional email delivery

We are not responsible for the availability, terms, or conduct of these third parties.

8. User Obligations

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to access accounts, data, or systems you are not authorized to access
• Reverse engineer, decompile, or attempt to extract source code from the Service
• Interfere with or disrupt the Service or its servers
• Upload malicious code or content
• Use automated systems (bots, scrapers) to access the Service without our prior written consent
• Impersonate any person or entity
• Upload data you do not have the right to upload

9. Intellectual Property

All content, software, design, logos, and trademarks in the Service are owned by Q-CONSULT MARKETING LTD or our licensors and are protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works from the Service without our prior written consent.

You retain all rights to data you provide (subscription information, uploaded files). By using the Service, you grant us a limited license to process this data solely to provide the Service to you.

10. Account Deletion

You may delete your account at any time via Settings → Delete Account, or by emailing support@subsswitch.app.

When you delete your account, we:

• Delete all associated data from our database via cascade deletion
• Revoke connections to third-party services (Plaid, TrueLayer, Google, Gmail scanning)
• Delete uploaded files (bank statements, profile photos)

Please note that Microsoft does not provide a programmatic OAuth revocation endpoint — if you connected an Outlook account, you should also manually revoke SubSSwitch's access at https://account.live.com/consent/Manage. Deletion is processed immediately, subject to backup retention as described in our Privacy Policy.

11. Disclaimers

The Service is provided "as is" and "as available". We make no warranties, express or implied, about the accuracy, completeness, reliability, or availability of the Service.

In particular:

• Subscription detection (whether via bank data, statement uploads, or email scanning) is best-effort and may miss subscriptions or misclassify transactions. You are responsible for reviewing detected subscriptions before taking action.
• Affiliate recommendations are based on our own analysis and are not financial, legal, or consumer advice. You are responsible for evaluating any alternative service before signing up.
• We do not guarantee that the Service will be uninterrupted, error-free, or secure against unauthorized access.

12. Limitation of Liability

To the maximum extent permitted by law, Q-CONSULT MARKETING LTD shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

Our total aggregate liability for any claim related to the Service shall not exceed €50 or the amount you have paid to us in the past 12 months (whichever is greater). As the Service is provided free of charge, our liability is generally limited to €50.

Nothing in these Terms limits liability that cannot be limited by law (such as liability for gross negligence, intentional misconduct, or personal injury caused by us).

13. Termination

We may suspend or terminate your account if you breach these Terms, if your use of the Service exposes us to legal risk, or if we are required to do so by law. Where possible, we will provide reasonable notice.

14. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated via email at least 30 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

15. Governing Law

These Terms are governed by the laws of Malta. Any dispute arising from or relating to the Service shall be subject to the exclusive jurisdiction of the courts of Malta, without prejudice to any mandatory consumer protection rights you may have in your country of residence.

16. Contact

Q-CONSULT MARKETING LTD
2 Ta' Ninu Triq Laqxija
Birkirkara BKR 4032, Malta
VAT MT28140713

Email: support@subsswitch.app. Privacy matters: privacy@subsswitch.app.