1. Definitions

• "Account" means the user account created by or for a user to access the Service.
• "Affiliate Recommendation" means a recommendation, comparison, link, button, sponsored placement or offer displayed in the Service for which Q Consult may receive a commission, referral fee or commercial benefit if the user clicks, subscribes, purchases or otherwise acts through the link.
• "Connected Account" means a bank, payment, email, Apple, Google, Microsoft, Plaid, or other third-party account connected by the user to the Service.
• "Extracted Subscription Data" means subscription-related information detected from manual entries, bank transactions, bank statements, email messages, screenshots or other user-authorised sources, including merchant name, amount, billing date, renewal date, billing cycle, category and subscription status.
• "Raw Source Data" means bank transactions, uploaded statements, email content, screenshots, metadata, tokens and other source material accessed or processed for extraction before minimisation, deletion, pseudonymisation or anonymisation.
• "User" or "you" means any natural person who uses the Service.

2. The Service

SubSSwitch is a subscription management tool intended to help users detect recurring subscriptions, visualise recurring payments, track renewal dates, and identify alternative services that may be relevant to the user.

The Service may allow users to add subscriptions manually, connect a supported bank account, upload bank statement files, connect email inboxes for optional subscription detection, upload screenshots or lists of subscriptions, receive subscription insights, receive reminders, and view affiliate recommendations.

The Service is a decision-support and organisational tool only. It does not provide financial advice, legal advice, tax advice, investment advice, regulated insurance advice, credit advice, or personalised professional advice. Users remain responsible for verifying the accuracy of detected subscriptions, renewal dates, merchant names, prices, cancellation steps and recommendations before taking action.

We may improve, suspend, replace, restrict or discontinue features where reasonably necessary for security, legal compliance, operational reasons, vendor availability, or product development. We will not materially reduce core functionality without reasonable notice where practicable.

3. Eligibility and User Status

You must be at least 18 years old to use the Service.

By using the Service, you represent that you are acting in your personal capacity or, if you use the Service for a business, that you are authorised to do so and to provide or connect the relevant data sources.

You must provide accurate, current and complete information and keep it updated. You must not use the Service on behalf of another person unless you are authorised to do so.

4. Account Creation and Security

You may create an Account by signing in with Google, signing in with Apple, or using an email address and password, depending on the options made available in the Service.

You are responsible for maintaining the confidentiality and security of your login credentials, devices and email account. You must notify us promptly at support@subsswitch.app if you suspect unauthorised access or misuse of your Account.

We may require additional verification before acting on account deletion requests, data protection rights requests, security-sensitive changes or support requests where reasonably necessary to protect the Account and personal data.

5. Manual Subscription Data

You may manually add, edit or delete subscription information. You are responsible for ensuring that manually entered information is accurate and that you have the right to enter it into the Service.

Manual subscription records are used to provide the Service to you, including dashboards, reminders, insights and recommendations. They may also be used in anonymised or aggregated form to improve the Service and produce internal analytics, provided that individuals are not identifiable from such data.

6. Bank Account Connection

Bank connection is optional and requires a separate user action and authorisation. If you choose to connect a bank account, the connection will be provided through Plaid Financial Ltd.

Bank account connections are read-only. We do not initiate payments, transfers or withdrawals on your behalf. We do not provide payment initiation services.

When you connect a bank account, you authorise Plaid to retrieve account and transaction data and make relevant read-only data available to us for the limited purpose of detecting recurring subscriptions and providing the Service.

You remain responsible for complying with your bank's terms and for ensuring that you are authorised to connect the account. You may disconnect a bank account through the Service or through Plaid where available.

7. Bank Statement Uploads

Bank statement upload is optional. If you upload a bank statement file, including CSV, Excel, OFX, QFX, PDF or another supported format, you authorise us to process the file to extract subscription-related transactions.

Uploaded bank statements may contain personal data beyond subscription information, including account holder details, account numbers, balances, non-subscription transactions and references to third parties. You must not upload statements unless you are authorised to do so and have considered whether the statement contains personal data of other persons.

We process uploaded files for extraction, filtering and subscription detection. We do not use uploaded statements to make payment decisions or credit decisions. We retain uploaded statement files only for the period stated in the Privacy Policy, unless earlier deletion is requested or required.

The Service may produce false positives or false negatives when processing statements. You must review detected subscriptions before relying on them.

8. Optional Email Inbox Scanning

Inbox scanning is optional and requires separate, explicit user consent inside the Service. Accepting these Terms does not by itself enable inbox scanning.

If you enable inbox scanning, you authorise SubSSwitch to access the relevant email account for the limited purpose of identifying subscription confirmations, renewal notices, receipts, cancellation confirmations and related subscription records. SubSSwitch uses this access only to read relevant emails and does not send, delete or move emails or change their read/unread status.

Supported integrations may include Gmail via Google OAuth, Outlook or Microsoft 365 via Microsoft Graph API, and iCloud Mail via app-specific password / IMAP, depending on availability. For iCloud Mail, the App-Specific Password/IMAP connection provides technical access to all emails in the connected mailbox. SubSSwitch does not process every email; it uses automated filtering to identify and process only emails relevant to subscription detection.

Your inbox may contain sensitive or confidential information, including communications from healthcare providers, financial institutions, family members, employers, colleagues, legal advisers, public authorities and other third parties. You acknowledge this and agree to enable inbox scanning only where you are comfortable with automated subscription-detection processing for that account.

We do not use email data for advertising, do not sell email data, do not use email data to train AI or machine-learning models, and do not permit routine human review of email content. Limited human access may occur only where strictly necessary for security, support requested by the user, legal compliance, abuse prevention, or incident investigation, as described in the Privacy Policy.

You may revoke inbox access at any time through the Service where available and/or through the account settings of the relevant email provider.

9. AI-Assisted Processing

The Service may use AI-assisted processing to improve subscription detection from emails, statements, screenshots and transaction text. AI processing is limited to extraction, classification and structuring of subscription-related data.

Before any personal data is transmitted to Anthropic PBC or another disclosed third-party AI provider, we will inform you of the provider, the purpose of the processing and the categories of data to be shared, and obtain your separate explicit permission. Accepting these Terms does not by itself authorise the sharing of your personal data with a third-party AI provider.

We apply data minimisation before AI processing where technically feasible. This means we aim to transmit only the data necessary for subscription detection, such as relevant sender, subject, merchant, date, amount and limited body or transaction excerpts, and not entire inboxes or unnecessary account information.

AI outputs may be inaccurate. They must be treated as automated suggestions and not as confirmed facts unless verified by the user.

AI processing does not produce legal effects concerning you and is not intended to make decisions of comparable significant effect. You remain in control of whether to act on detected subscriptions or recommendations.

10. Affiliate Recommendations and Commercial Disclosure

The Service is offered on a free or freemium basis unless otherwise stated. Q Consult may earn revenue through affiliate commissions, referral fees, sponsorships or commercial arrangements when users interact with or sign up for recommended third-party services.

Affiliate relationships will be disclosed in the Service in a clear and reasonably prominent manner. Affiliate commissions do not increase the price you pay unless expressly disclosed by the third-party merchant.

Recommendations may be influenced by price, features, availability, user reviews, market relevance, merchant information, user-entered preferences, manually entered subscription information and commercial relationships. Data derived from Gmail, Outlook, iCloud Mail, bank connections or bank statements is not used to personalise affiliate recommendations.

You are under no obligation to click, subscribe, purchase, switch or cancel through any recommendation. Third-party services are provided under their own terms, pricing, privacy notices, cancellation rules and customer support processes.

11. Third-Party Services and Integrations

The Service depends on third-party providers for hosting, authentication, open banking connections, AI extraction, email integrations, analytics where consented, transactional email and other functionality. These providers may include Railway Corporation, Plaid Financial Ltd., Anthropic PBC, Google, Microsoft, Apple, Resend and other providers listed in the Privacy Policy.

Third-party integrations may be unavailable, delayed, restricted, inaccurate, withdrawn or modified by the relevant provider. We are not responsible for the terms, availability, pricing, content, conduct, security practices or performance of third-party services, except to the extent required by applicable law.

Where a third-party service is subject to its own terms, you are responsible for reviewing and complying with those terms.

12. User Obligations and Acceptable Use

• You must not use the Service unlawfully, fraudulently, abusively or in a manner that infringes the rights of others.
• You must not upload, connect or process data unless you have the right and authority to do so.
• You must not attempt to gain unauthorised access to accounts, data, code, systems, security controls, tokens or infrastructure.
• You must not reverse engineer, decompile, scrape, overload, probe, scan, interfere with, disrupt or circumvent the Service except where mandatory law gives you a non-excludable right to do so.
• You must not upload malware, malicious code, corrupted files, unlawful content, confidential third-party information without authority, or data that you know or ought reasonably to know you have no right to process.
• You must not impersonate any person or misrepresent your affiliation with any person or entity.

13. Intellectual Property

The Service, including software, design, text, databases, interface elements, logos, trade names, analytics, algorithms, documentation and other materials, is owned by Q Consult or its licensors and is protected by intellectual property laws.

We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Service for its intended purpose, subject to these Terms.

You retain rights in data that you provide or authorise us to access. You grant us a limited licence to host, process, transmit, display, analyse and otherwise use such data solely as necessary to provide, secure, maintain, improve and comply with legal obligations relating to the Service, as further explained in the Privacy Policy.

14. Privacy, Consent and Data Protection

Our processing of personal data is governed by the Privacy Policy. The Privacy Policy forms an integral part of the user-facing legal framework for the Service.

Certain processing activities require separate user consent or authorisation inside the Service, including optional bank connection, inbox scanning, AI-assisted processing involving transmission of personal data to a third-party AI provider, analytics cookies where applicable, and other optional features notified to the user.

Accepting these Terms does not by itself constitute consent to inbox scanning or to the transmission of personal data to a third-party AI provider.

You may withdraw consent for optional processing as described in the Privacy Policy. Withdrawal of consent may disable or limit the relevant feature but does not affect the lawfulness of processing already carried out before withdrawal.

Where data is anonymised or aggregated so that individuals are no longer identifiable, we may use it for analytics, product improvement, fraud prevention, service monitoring and business reporting. Where data remains pseudonymised or capable of re-identification, it remains subject to data protection controls.

15. Account Deletion, Disconnection and Data Export

You may delete your Account through the Service settings where available or by contacting support@subsswitch.app. You may also request access, deletion, portability or other data protection rights through privacy@subsswitch.app.

Account deletion removes active account data and associated records from our production systems, subject to verification, fraud prevention, legal obligations, security logs, backup rotation and any retention periods stated in the Privacy Policy.

Where supported, we will revoke connected service access and delete stored tokens and credentials on our side. Some providers may require you to revoke access manually through their own account settings. We will explain known limitations in the Privacy Policy and/or account deletion flow.

Before deleting your Account, you should export or save any subscription information that you wish to keep.

16. Availability, Accuracy and Beta Features

The Service is provided on a best-efforts basis. We do not guarantee uninterrupted availability, permanent availability of features, or detection of every subscription.

Detected subscriptions, billing cycles, renewal dates, merchant names, categories, cancellation links, prices and recommendations may be incomplete, outdated, wrong or unavailable. You must verify information directly with your bank, merchant or service provider before cancelling, switching, relying on a renewal date or making a purchase.

Some features may be labelled or treated as beta, experimental, pilot or preview features. Such features may be less reliable and may be changed or withdrawn.

17. Disclaimers

To the maximum extent permitted by applicable law, the Service is provided "as is" and "as available" without warranties of any kind, whether express, implied or statutory.

We do not warrant that the Service will be error-free, secure, uninterrupted, accurate, complete, suitable for your specific circumstances, or compatible with all banks, email providers, merchants or devices.

Nothing in these Terms excludes or limits rights that cannot be excluded or limited under applicable consumer protection, data protection or other mandatory law.

18. Limitation of Liability

To the maximum extent permitted by applicable law, Q Consult shall not be liable for indirect, incidental, special, consequential, exemplary or punitive damages, loss of profit, loss of business, loss of opportunity, loss of goodwill, loss of data, or losses arising from third-party services, inaccurate detections, failed reminders, unavailable integrations, user decisions or unauthorised use of your Account caused by your failure to secure credentials.

Subject to mandatory law, Q Consult's total aggregate liability arising out of or in connection with the Service shall not exceed the greater of: (a) EUR 50; or (b) the amount actually paid by you to Q Consult for the Service in the 12 months before the event giving rise to liability.

Nothing in these Terms limits liability for fraud, wilful misconduct, gross negligence, death or personal injury caused by negligence, breach of non-excludable statutory rights, or any liability that cannot lawfully be limited.

19. Suspension and Termination

We may suspend or terminate access to the Service if you breach these Terms, create legal or security risk, misuse the Service, provide false information, infringe third-party rights, or where required by law, court order, regulator instruction, bank/provider requirement or security necessity.

Where practicable and lawful, we will provide notice and an opportunity to remedy the breach. Immediate suspension may occur where necessary to protect users, data, systems, providers, Q Consult or third parties.

You may stop using the Service at any time and may delete your Account as described above.

20. Changes to these Terms

We may update these Terms from time to time. Material changes will be communicated to registered users by email or in-app notice at least 30 days before they take effect, unless earlier changes are required for security, legal compliance, provider requirements or urgent operational reasons.

Continued use of the Service after the effective date of updated Terms constitutes acceptance of the updated Terms. If you do not accept updated Terms, you must stop using the Service and may delete your Account.

21. Governing Law and Jurisdiction

These Terms are governed by the laws of Malta.

Subject to any mandatory consumer protection rights you may have in your country of residence, the courts of Malta shall have exclusive jurisdiction over disputes arising out of or in connection with these Terms or the Service.

Nothing in this clause deprives a consumer of mandatory rights that apply under applicable law.

22. Contact

Q-CONSULT MARKETING LTD
187, Office 1, Level 3, Triq Nazju Ellul, Gzira, Malta

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