Legal

Terms & Conditions

Effective date: July 28, 2026

Welcome to SubGate (“App”, “Service”, “we”, “our”, or “us”).

These Terms and Conditions (“Terms”) govern your access to and use of the App and all related services provided by us.

By downloading, accessing, creating an account, or using the Service, you agree to be bound by these Terms. If you do not agree, you must not use the Service.

1. Eligibility

You must be at least 18 years old, or the age of majority in your jurisdiction, to use the Service.

By using the Service, you represent and warrant that:

  • you have the legal capacity to enter into these Terms;
  • you are authorized to access the financial accounts you connect to the Service; and
  • all information you provide is accurate and complete.

2. Description of the Service

The Service helps users identify, monitor, organize, and manage recurring subscriptions and other recurring payments.

Features may include:

  • subscription detection;
  • subscription monitoring;
  • renewal reminders;
  • spending insights;
  • subscription cancellation assistance;
  • notifications regarding recurring charges; and
  • account management tools.

We may modify, improve, add, or remove features at any time.

3. User Account

You are responsible for:

  • maintaining the confidentiality of your login credentials;
  • ensuring your account information remains accurate;
  • all activity occurring under your account.

You agree to notify us promptly if you believe your account has been compromised.

4. Connecting Financial Accounts

To provide the Service, you may connect one or more financial accounts.

Connections are generally established using regulated third-party Open Banking or financial connectivity providers.

By connecting a financial account, you authorize us and our authorized service providers to access financial information necessary to provide the Service, including recurring transaction data.

You remain responsible for complying with your agreements with your financial institution.

5. Banking Credentials

Where supported, your banking credentials are entered directly into the secure authentication flow of our financial connectivity provider.

We do not intentionally collect or store your online banking username or password.

You acknowledge that access to your financial information depends upon your financial institution and the third-party connectivity provider.

6. Subscription Cancellation

The Service may provide tools or assistance to help you cancel subscriptions.

However:

  • we cannot guarantee that every subscription provider supports automated cancellation;
  • some cancellations may require additional action by you;
  • cancellation processing times vary by provider; and
  • we cannot guarantee that a cancellation request will prevent future billing if the subscription provider has already processed a renewal or requires additional verification.

You remain responsible for verifying that subscriptions have been successfully cancelled.

7. Financial Information

The Service is intended solely to help you monitor and manage subscriptions.

We are not:

  • a bank;
  • a financial institution;
  • a credit provider;
  • an investment adviser;
  • a broker;
  • a tax adviser; or
  • a financial planner.

Information presented within the App is provided for informational purposes only and should not be relied upon as professional financial advice.

You remain solely responsible for your financial decisions.

8. User Responsibilities

You agree to:

  • use the Service only for lawful purposes;
  • connect only financial accounts that you are authorized to access;
  • maintain accurate account information;
  • promptly disconnect accounts you no longer wish to monitor;
  • comply with all applicable laws.

You agree not to:

  • misuse the Service;
  • interfere with security features;
  • attempt unauthorized access to systems or accounts;
  • reverse engineer the App except where permitted by law;
  • upload malicious software;
  • use automated systems to scrape or abuse the Service.

9. Subscription Fees

Certain features may require a paid subscription.

If purchased through the Apple App Store or Google Play:

  • payment is processed by the applicable app store;
  • subscriptions automatically renew unless cancelled before renewal;
  • subscription management is handled through your Apple or Google account;
  • refunds are subject to the policies of the platform through which the purchase was made.

Prices may change for future billing periods in accordance with applicable law and platform requirements.

10. Intellectual Property

The App, including its software, design, trademarks, logos, graphics, text, databases, and related materials, is owned by us or our licensors and is protected by intellectual property laws.

You receive a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, non-commercial purposes.

11. Privacy

Your use of the Service is also governed by our Privacy Policy.

The Privacy Policy explains how we collect, process, protect, and retain your information.

12. Third-Party Services

The Service may integrate with:

  • financial connectivity providers;
  • banks and financial institutions;
  • subscription providers;
  • cloud infrastructure providers;
  • analytics providers;
  • customer support platforms.

We are not responsible for the availability, accuracy, or policies of third-party services.

Your use of those services may also be governed by their own terms and privacy policies.

13. Availability

We aim to provide a reliable Service but do not guarantee uninterrupted operation.

The Service may occasionally be unavailable because of:

  • maintenance;
  • software updates;
  • banking system outages;
  • failures of third-party providers;
  • internet disruptions; or
  • events beyond our reasonable control.

14. Suspension and Termination

We may suspend or terminate your account if:

  • you violate these Terms;
  • your use presents security risks;
  • fraudulent or unlawful activity is suspected;
  • required by law; or
  • necessary to protect the Service or other users.

You may stop using the Service and delete your account at any time through the App (where available) or by contacting us.

15. Disclaimer of Warranties

The Service is provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

  • every subscription will be detected;
  • every recurring payment will be correctly classified;
  • every cancellation request will succeed;
  • financial information will always be current or complete;
  • the Service will operate without interruption or error.

16. Limitation of Liability

To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, consequential, exemplary, or punitive damages arising out of or relating to your use of the Service.

Our total liability for any claim arising under these Terms shall not exceed the total fees you paid to us during the twelve months preceding the claim.

Nothing in these Terms excludes or limits liability where such limitation is prohibited by applicable law.

17. Indemnification

You agree to indemnify and hold us harmless from claims, losses, damages, liabilities, and expenses arising from:

  • your misuse of the Service;
  • your violation of these Terms;
  • your violation of applicable laws; or
  • your infringement of the rights of another person.

18. Changes to the Service

We reserve the right to update, modify, suspend, or discontinue all or part of the Service at any time.

Where practicable, material changes affecting users will be communicated in advance.

19. Changes to These Terms

We may update these Terms from time to time.

Material changes will be communicated through the App, by email, or by other reasonable means before taking effect.

Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

20. Governing Law

Except for disputes that can be brought in small claims court, all disputes between you and us, including any dispute regarding this Agreement, shall be exclusively settled through binding arbitration through the American Arbitration Association (“AAA”) pursuant to the AAA’s then-current rules for commercial arbitration. Any such arbitration proceeding will be conducted solely in English.

These Terms are governed by the laws of the State of Delaware without regard to conflict of law principles. If the arbitration in this section provision is found unenforceable or not to apply for a given dispute, then the proceeding must be brought exclusively in a court of Delaware jurisdiction.

21. Contact Us

If you have any questions about these Terms, please contact:

Email: support@subgate.app

Website: https://subgate.app

By downloading, installing, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.