Terms and Conditions of Use — SubsTrackerPro

DRAFT v2.0 — Requires review by professional legal counsel before publication. This text does not constitute legal advice.

Version: 2.0 Last updated: July 13, 2026 Source language: Spanish (this English version and the Portuguese version are faithful translations of the Spanish source; in case of an interpretation conflict, the Spanish version prevails unless applicable law provides otherwise).

1. Acceptance of terms

By creating an account or using the SubsTrackerPro app (iPhone, iPad, Mac, Apple Watch, widgets, and Live Activities) or the website substrackerpro.com (together, the "Service"), you agree to these Terms and Conditions ("Terms") and our Privacy Policy. If you do not agree, you must not use the Service.

These Terms are accepted in versioned form within the app; each acceptance is recorded with a date and version number.

2. Minimum age and eligibility

The Service is intended exclusively for people 18 years of age or older with legal capacity to enter into contracts. By accepting these Terms, you represent that you meet this requirement.

3. Description of the Service

SubsTrackerPro is an application for managing and tracking recurring subscriptions and services, with personal financial organization features, a billing calendar, savings goals, and AI-based assistance (recommendations and screenshot-based data import), available across the Apple ecosystem (iPhone, iPad, Mac, Apple Watch) and on the web. The Service is not a financial institution, does not process payments for the third-party subscriptions you record, and does not provide financial, tax, or investment advice. It is an organization and visualization tool for information that you enter or authorize for import yourself.

4. User accounts

You are responsible for keeping your login credentials confidential and for all activity under your account. You must provide accurate and up-to-date information when registering. You may delete your account at any time from Settings → Privacy and Data; this action is irreversible and deletes your data as described in the Privacy Policy (retention in backups for up to 30 days).

5. Cryptocurrency payments

This section specifically governs the purchase of paid plans within the Service. The only available payment method is cryptocurrency, processed through a checkout hosted by our third-party provider NOWPayments. We do not offer or process payments by credit/debit card or other traditional means.

5.1. Nature of the hosted checkout. When choosing to pay, you will be redirected to a payment page operated by NOWPayments, outside our infrastructure. You are responsible for verifying the payment address, the correct blockchain network, and the exact amount before confirming any transaction. We are not responsible for funds sent to an incorrect address, an incompatible network, or due to user errors in operating their wallet or exchange.

5.2. Irreversibility. Cryptocurrency transactions are, by their technological nature, irreversible once confirmed on the corresponding blockchain. Neither we nor NOWPayments can reverse, cancel, or modify a transaction that has already been confirmed.

5.3. Volatility and confirmation. The value of cryptocurrencies may fluctuate significantly between the time a payment order is generated and the time the transaction is confirmed on the blockchain. The amount credited to your plan is the amount corresponding to the effective confirmation of the transaction by NOWPayments, in accordance with the exchange rate and rules in effect for that provider at the time of confirmation. We do not guarantee or control the exchange rate applied by NOWPayments.

5.4. Network minimum amounts. Each supported blockchain network imposes a minimum transaction amount below which a payment may not be processed, credited, or refunded. It is the user's responsibility to verify the applicable minimum amount before sending payment.

5.5. No-refund policy. Given the irreversible nature of cryptocurrency transactions, refunds are not offered, except in two cases: (a) where there is a legal obligation to refund under consumer protection law applicable to your jurisdiction; or (b) where a material failure of the Service attributable to us is established (for example, a duplicate charge confirmed to result from an internal technical error, or the total inability to access the paid plan's features for a prolonged period due to causes exclusively attributable to us). The following do not constitute a material failure: cryptocurrency price volatility, user errors in operating their wallet, third-party network (gas) fees, or subjective dissatisfaction with the Service. Any refund request must be submitted through the contact channel in Section 14 with supporting evidence.

5.6. Taxes and network fees. Any tax, network fee, or charge applied by the payment provider, exchange, or the user's wallet is the user's sole responsibility and is not included in the published price of the Service unless expressly stated otherwise.

6. Creator and referral program

The Service may offer a creator/referral program that grants benefits based on an automated scoring system based on activity metrics and verified referrals.

6.1. The general scoring criteria are communicated within the program; we reserve the right to adjust these criteria to prevent abuse or fraud, notifying active participants of material changes.

6.2. Every participant has the right to request human review of an automated program decision affecting them, by directing the request to the contact channel in Section 14. Human review does not guarantee a different outcome, but it does guarantee that the final decision is not based solely on automated processing.

6.3. We reserve the right to suspend the participation of any user who engages in fraud, referral manipulation, or breach of these Terms.

7. Intellectual property

The Service, its code, design, brand, logos, and content (excluding the data you enter) are owned by us or our licensors and are protected by intellectual property laws. You are granted a limited, personal, non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms. You retain ownership of the data you enter (e.g., your subscriptions and goals), and you grant us a limited license to process it solely to provide you with the Service.

8. Acceptable use

You agree not to: (a) use the Service for unlawful or fraudulent purposes; (b) attempt unauthorized access to systems, other users' accounts, or the Service's infrastructure; (c) reverse engineer, decompile, or attempt to extract source code except to the extent permitted by law; (d) use bots, scraping, or unauthorized automation against the Service; (e) manipulate the creator/referral program through fake accounts or fraudulent referrals; (f) upload illegal, defamatory content, or content that infringes third-party rights through the screenshot import feature.

9. Service availability and changes

We strive to keep the Service continuously available, but we do not guarantee uninterrupted or error-free availability. We may modify, suspend, or discontinue features of the Service, providing reasonable advance notice of material changes when possible.

10. Termination

10.1. You may end your relationship with the Service at any time by deleting your account from the app.

10.2. We may suspend or terminate your access to the Service, with prior notice when reasonably possible, in the event of a material breach of these Terms, fraudulent use, or a legal requirement. In cases of serious breach (fraud, illegal activity, security risk), suspension may be immediate.

10.3. Termination does not release you from obligations already accrued (for example, payments already processed and not eligible for a refund under Section 5.5).

11. Limitation of liability

To the maximum extent permitted by applicable law, our total liability to you for any claim arising from use of the Service is limited to the amount you actually paid for the Service during the 12 months preceding the event giving rise to the claim, or USD 100 if you have made no payments, whichever is greater. We will not be liable for indirect, incidental, special, punitive, or consequential damages, including data loss, loss of cryptocurrency value due to market volatility, or lost profits, except where applicable law does not permit such limitation (for example, in cases of willful misconduct, gross negligence, or harm to life or physical integrity, where applicable). This limitation is proportional to the nature of the Service, which is a personal financial organization tool and not a regulated financial service.

12. Indemnification

You agree to indemnify and hold us harmless against third-party claims arising from: your breach of these Terms, your misuse of the Service, or your violation of third-party rights through content you enter or import.

13. Changes to these Terms

We may update these Terms periodically. When a change is material, we will actively notify you — via an in-app notice and/or email to your registered address — stating the effective date and a summary of what changed, with reasonable advance notice before it takes effect. You have the right to terminate your account before the effective date if you disagree with the changes; continued use of the Service after that date constitutes acceptance of the updated Terms. Each acceptance is recorded with a version number and date on your profile.

14. Governing law and jurisdiction

[PENDING LEGAL REVIEW — LAUNCH BLOCKER: define the legal name, registered address, and jurisdiction of the responsible entity before publishing these Terms; requires validation by legal counsel. See also Section 7 of the Privacy Policy regarding the Venezuelan regulatory framework and the subprocessors that require a DPA.]

15. General provisions

15.1. Severability: if any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

15.2. Entire agreement: these Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the Service, and supersede any prior agreement on the same subject matter.

15.3. No waiver: failure to exercise a right under these Terms does not constitute a waiver of that right.

15.4. Assignment: you may not assign your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets, notifying you as described in Section 13.

16. Contact

For questions about these Terms, including refund requests or human review of automated decisions: [PENDING — legal contact email address].