Terms of Service

1. Acceptance of Terms

By accessing or using SubSavvy (subsavvy.ca), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you may not use our service.

SubSavvy is an information service designed to help Canadian consumers identify recurring subscription charges and access cancellation guides. We are not a financial advisor, legal counsel, or cancellation agent.

2. Description of Service

Free Scan: Upload a bank or credit card statement (PDF or CSV) to automatically detect recurring subscriptions. Summary results are displayed at no charge.

Full Report ($4.99 CAD, one-time): Unlock all detected subscriptions, cancel guides, alternative service comparisons, and province-specific consumer rights information.

Pro Monthly ($7.99/mo CAD/month) or Pro Yearly ($79.00/yr CAD/year): Includes all Full Report features plus billing reminders. These are recurring subscriptions that can be cancelled at any time. Service continues until the end of the current billing period after cancellation.

The Full Report is a one-time payment. Pro subscriptions are billed monthly or yearly until cancelled.

All prices are shown before tax. Applicable Canadian sales taxes (GST/HST, QST, or PST) are calculated at checkout based on the billing address you provide, and are added to the amounts above.

3. Disclaimer of Warranties

SubSavvy is provided "as is" without warranties of any kind, express or implied. We do not warrant that the service will be error-free, that subscription detection will be 100% accurate, or that cancel guide information will always be current.

Cancel guide information (steps, URLs, phone numbers) is provided as a convenience and may not reflect real-time changes made by subscription services. Always verify current cancellation procedures directly with the service provider.

Province-specific consumer rights information is provided for general educational purposes only and does not constitute legal advice. Consult a qualified legal professional for advice on your specific situation.

4. Limitation of Liability

To the maximum extent permitted by applicable law, SubSavvy and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, loss of revenue, or inability to cancel a subscription.

Our total liability to you for any claim arising out of or relating to these Terms or the service shall not exceed the amount you paid for the service in the 12 months preceding the claim.

5. User Responsibilities

You are responsible for ensuring you have the legal right to upload any file you submit to SubSavvy.

You agree not to upload files containing confidential information belonging to others without authorization.

You agree not to use the service for any unlawful purpose or in any manner that could damage, disable, or impair the service.

6. Intellectual Property

All content on SubSavvy, including cancel guide data, the platform design, and underlying code, is the property of SubSavvy and is protected by applicable intellectual property laws.

You may not copy, reproduce, or distribute any content from SubSavvy without our express written permission.

7. Payments and Refunds

All prices are in Canadian dollars (CAD) and include applicable taxes.

Payments are processed by Stripe and are non-refundable once the full report has been unlocked and accessed. Pro Monthly subscriptions can be cancelled at any time; no refunds are issued for the current billing period.

If you experience a technical issue that prevents you from accessing purchased content, contact us at [email protected] within 7 days for a full refund.

8. Changes to the Service

We reserve the right to modify, suspend, or discontinue any part of the service at any time. We will provide reasonable notice of material changes where possible.

9. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario.

10. Contact

For questions about these Terms of Service, contact us at [email protected].