TERMS OF USE

Last updated on 23 Jun 2026

These Terms of Use ("Terms") constitute a legally binding agreement between You and Applabtech Limited, Myrtiotissis, 13 AQUA MANSIONS, Flat/Office 1, Germasogeia, 4041, Limassol, Cyprus ("Company," "we," "our," or "us") governing Your access to and use of the SubTracker application, including its mobile application, software, website, and all related features, technologies, content, and services (collectively, the "Services").

By accessing or using the Services, creating an account, or otherwise affirmatively accepting these Terms, You acknowledge that You have read, understood, and agree to be bound by them. If You do not agree to these Terms, You must not access or use the Services.

You represent and warrant that You are at least the age of legal majority in Your jurisdiction and have the legal capacity to enter into a binding agreement.

DESCRIPTION OF THE SERVICES

SubTracker is a subscription management and financial organization tool designed to help users identify, monitor, and manage recurring subscriptions and payments.

The Services may allow users to connect financial accounts through third-party financial data providers, review recurring transactions, identify potential subscription charges, receive information regarding recurring payments, and access tools intended to assist with subscription management.

The Services may also provide features intended to facilitate or assist with subscription cancellation requests. The availability, scope, and functionality of such features may vary and may be modified, suspended, or discontinued at any time.

SubTracker is provided solely as an informational and administrative tool. The Services do not provide banking services, payment services, debt management services, financial advisory services, investment services, legal services, or any other regulated professional services.

The Company does not guarantee that all subscriptions, recurring charges, memberships, or payment obligations will be identified, categorized, monitored, displayed, modified, or cancelled through the Services.

ELIGIBILITY

You may use the Services only if You are legally capable of entering into a binding contract under applicable law.

By using the Services, You represent and warrant that:

all information provided by You is accurate, current, and complete
You are the authorized owner or authorized user of any financial account connected to the Services
Your use of the Services complies with all applicable laws and regulations; and

You will maintain and promptly update Your information as necessary to keep it accurate and complete.

The Company reserves the right to suspend or terminate access to the Services if any information provided by You is inaccurate, misleading, or incomplete.

The Services are intended solely for individuals who are at least eighteen (18) years old.

By accessing or using the Services, You represent and warrant that You are at least eighteen (18) years of age.

If You are under the age of eighteen (18), You may not access, use, or register for the Services.

The Company does not knowingly collect information from individuals under the age of eighteen (18). If the Company becomes aware that a person under eighteen (18) has accessed or used the Services, the Company reserves the right to suspend or terminate the applicable account and delete associated information in accordance with applicable law.

FINANCIAL ACCOUNT CONNECTIONS

Certain features of the Services require You to connect financial accounts maintained by third-party financial institutions.

By connecting a financial account, You authorize the Company and its service providers to access, retrieve, and process account information, transaction data, and related financial information necessary to provide the Services.

You represent and warrant that You have all rights, permissions, and authority necessary to connect such accounts and authorize such access.

You acknowledge that the Company does not maintain financial accounts and does not control the systems of financial institutions. Access to financial data may be delayed, interrupted, incomplete, unavailable, or inaccurate due to circumstances beyond the Company's control.

The Company is not responsible for any errors, omissions, interruptions, delays, or inaccuracies in information received from financial institutions or third-party service providers.

You may disconnect Your financial accounts at any time through the settings of the Services or by revoking authorization through the applicable third-party provider, where available.

THIRD-PARTY SERVICES

The Services may integrate with or rely upon third-party service providers, financial institutions, payment processors, mobile platform operators, and other third parties in order to provide certain features and functionality.

In particular, the Services may utilize financial data connectivity services provided by Plaid Inc. ("Plaid") or other similar providers. By using features that require financial account connectivity, You acknowledge and agree that certain information may be collected, transmitted, processed, and maintained by such third-party providers in accordance with their own terms, privacy policies, and practices.

The Company does not own, operate, or control any third-party services and is not responsible for the availability, accuracy, security, performance, acts, omissions, products, services, or policies of any third party.

Your use of third-party services may be subject to separate agreements between You and the applicable third party. The Company encourages You to review such terms and policies before using any third-party service.

The Company makes no representations or warranties regarding any third-party services and disclaims all liability arising from or relating to Your use of such services.

SUBSCRIPTION AND BILLING

Certain features of the Services require a paid subscription.

By purchasing a subscription, You agree to pay all applicable fees and charges associated with the subscription plan selected by You.

Subscriptions automatically renew at the end of each billing period unless cancelled prior to renewal in accordance with the applicable cancellation procedures.

Subscription fees, billing cycles, payment methods, cancellation procedures, refund eligibility, and other payment-related terms are governed by the Payment Policy and Refund Policy, which are incorporated into these Terms by reference and form an integral part of these Terms.

If payment cannot be successfully processed for any reason, the Company may suspend, restrict, or terminate access to paid features until payment is successfully completed.

The Company reserves the right to modify subscription fees or pricing structures at any time. Any such changes will become effective after reasonable notice and will apply to future billing periods to the extent permitted by applicable law.

SUBSCRIPTION CANCELLATION ASSISTANCE

The Services may provide tools, information, recommendations, workflows, or other functionality intended to assist users in identifying, managing, modifying, or cancelling subscriptions maintained by third parties.

Any cancellation assistance provided through the Services is offered solely as a convenience feature.

The Company does not operate, control, or manage third-party subscription providers and cannot guarantee that any subscription, recurring payment, membership, or service will be successfully cancelled, modified, paused, refunded, or otherwise affected through the use of the Services.

The effectiveness, timing, and outcome of any cancellation request may depend on the policies, procedures, technical systems, processing times, and actions of third parties that are outside of the Company's control.

You remain solely responsible for reviewing Your financial accounts, monitoring recurring charges, confirming the status of any subscription, and taking any additional actions required by the applicable subscription provider.

The Company shall not be liable for any recurring charges, fees, penalties, renewals, billing disputes, service interruptions, or other consequences resulting from a failure to successfully cancel, modify, or manage any third-party subscription.

USER RESPONSIBILITIES

You are solely responsible for Your use of the Services and for all activities conducted through Your account.

You agree to:

provide accurate, current, and complete information
maintain the confidentiality and security of Your account credentials
promptly notify the Company of any unauthorized access to or use of Your account
use the Services only for lawful purposes and in compliance with applicable laws and regulations
cooperate with any reasonable requests necessary to facilitate subscription management or cancellation assistance features

You are solely responsible for verifying the accuracy of information presented through the Services and for making independent decisions regarding Your subscriptions, finances, and financial accounts.

PROHIBITED ACTIVITIES

You agree not to:

use the Services in violation of any applicable law, regulation, or third-party right
use the Services for any fraudulent, deceptive, unlawful, or unauthorized purpose
impersonate any person or entity or misrepresent Your identity or authority
access or attempt to access financial accounts, information, or data that You are not authorized to access
interfere with, disrupt, compromise, or attempt to gain unauthorized access to the Services, servers, networks, or systems used to provide the Services
reverse engineer, decompile, disassemble, copy, modify, create derivative works from, or otherwise attempt to discover the source code or underlying technology of the Services
use automated systems, bots, scrapers, crawlers, or similar technologies to access or interact with the Services except as expressly authorized by the Company
use the Services in a manner that could damage, disable, overburden, or impair the operation of the Services

The Company reserves the right to investigate violations of this Section and take any action it deems appropriate, including suspension or termination of access to the Services.

INTELLECTUAL PROPERTY RIGHTS

The Services, including all software, technology, designs, interfaces, text, graphics, logos, trademarks, content, and other materials made available through the Services, are owned by or licensed to the Company and are protected by applicable intellectual property laws.

Subject to Your compliance with these Terms, the Company grants You a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Services solely for Your personal, non-commercial use.

Except as expressly permitted under these Terms, no right, title, or interest in the Services or any intellectual property rights is transferred to You.

DISCLAIMER OF WARRANTIES

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, OR UNINTERRUPTED OPERATION.

THE COMPANY DOES NOT WARRANT THAT:

(a) THE SERVICES WILL BE AVAILABLE AT ALL TIMES
(b) THE SERVICES WILL BE ERROR-FREE OR UNINTERRUPTED
(c) ANY INFORMATION PRESENTED THROUGH THE SERVICES WILL BE COMPLETE, ACCURATE, CURRENT, OR RELIABLE
(d) ALL SUBSCRIPTIONS, RECURRING CHARGES, OR BILLING ARRANGEMENTS WILL BE IDENTIFIED, TRACKED, OR DISPLAYED
(e) ANY SUBSCRIPTION, MEMBERSHIP, OR RECURRING PAYMENT WILL BE SUCCESSFULLY CANCELLED, MODIFIED, OR REFUNDED

YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.

FINANCIAL SERVICES DISCLAIMER

SUBTRACKER IS A TECHNOLOGY PLATFORM THAT ASSISTS USERS WITH SUBSCRIPTION MONITORING AND MANAGEMENT.

THE COMPANY IS NOT A BANK, FINANCIAL INSTITUTION, MONEY TRANSMITTER, LENDER, DEBT SETTLEMENT COMPANY, CREDIT REPAIR ORGANIZATION, BROKER, INVESTMENT ADVISER, FINANCIAL ADVISER, ACCOUNTANT, TAX ADVISER, ATTORNEY, OR OTHER REGULATED PROFESSIONAL SERVICE PROVIDER.

THE SERVICES DO NOT PROVIDE FINANCIAL, INVESTMENT, ACCOUNTING, TAX, LEGAL, OR OTHER PROFESSIONAL ADVICE.

ANY INFORMATION, NOTIFICATIONS, ANALYSES, INSIGHTS, CATEGORIZATIONS, RECOMMENDATIONS, ESTIMATES, OR OTHER CONTENT PROVIDED THROUGH THE SERVICES ARE FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON AS PROFESSIONAL ADVICE.

YOU ARE SOLELY RESPONSIBLE FOR EVALUATING ANY INFORMATION PROVIDED THROUGH THE SERVICES AND FOR MAKING YOUR OWN FINANCIAL DECISIONS.

THE COMPANY DOES NOT RECOMMEND, ENDORSE, OR GUARANTEE ANY PARTICULAR FINANCIAL DECISION, COURSE OF ACTION, SUBSCRIPTION CANCELLATION, OR FINANCIAL OUTCOME.

LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF SAVINGS, LOSS OF BUSINESS OPPORTUNITIES, LOSS OF GOODWILL, LOSS OF DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, THE COMPANY SHALL NOT BE LIABLE FOR:

ANY ERRORS, INACCURACIES, OMISSIONS, OR DELAYS IN FINANCIAL DATA, ACCOUNT INFORMATION, TRANSACTION DATA, OR SUBSCRIPTION INFORMATION
ANY FAILURE TO IDENTIFY, TRACK, MONITOR, MODIFY, OR CANCEL A SUBSCRIPTION, MEMBERSHIP, OR RECURRING PAYMENT
ANY ACTIONS, OMISSIONS, DELAYS, OR DECISIONS OF FINANCIAL INSTITUTIONS, SUBSCRIPTION PROVIDERS, PAYMENT PROCESSORS, PLAID, OR OTHER THIRD PARTIES
ANY UNAUTHORIZED ACCESS TO OR USE OF YOUR ACCOUNT CAUSED BY YOUR FAILURE TO MAINTAIN ADEQUATE ACCOUNT SECURITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF:

THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY DURING THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR

ONE THOUSAND UNITED STATES DOLLARS (USD 1,000).

NOTHING IN THESE TERMS SHALL EXCLUDE OR LIMIT LIABILITY TO THE EXTENT SUCH LIABILITY CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Company, its affiliates, directors, officers, employees, contractors, agents, licensors, and service providers from and against any claims, actions, liabilities, damages, losses, judgments, settlements, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to:

Your use of the Services
Your violation of these Terms
Your violation of any applicable law or regulation
Your infringement of any third-party rights
any information, content, or data submitted by You through the Services

SUSPENSION AND TERMINATION

The Company may suspend, restrict, or terminate Your access to the Services at any time if:

You violate these Terms
Your use of the Services creates legal, regulatory, security, or operational risks
the Company is required to do so by law or by a competent authority; or

the Company discontinues the Services or any portion thereof

You may stop using the Services at any time.

Termination of Your account or access to the Services shall not affect any rights or obligations accrued prior to termination.

Sections that by their nature should survive termination shall survive, including provisions relating to intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution.

GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and construed in accordance with the laws of the Republic of Cyprus, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts of Cyprus.

CHANGES TO THESE TERMS

The Company reserves the right to modify or update these Terms at any time.

Where required by applicable law, the Company will provide notice of material changes through the Services or by other reasonable means.

Your continued use of the Services following the effective date of any revised Terms constitutes Your acceptance of the updated Terms.

CONTACT INFORMATION

If You have any questions regarding these Terms or the Services, please contact us at:

Applabtech Limited
Myrtiotissis, 13 AQUA MANSIONS, Flat/Office 1
Germasogeia, 4041
Limassol, Cyprus

Email: support@mysubtracker.app