Terms of Service

Last updated: July 5, 2026 · DRAFT — pending attorney review

Note to counsel: skeleton prepared without legal advice. The single most important open question is Section 4 (Authorization to act on your behalf): what instrument a third party needs to cancel a consumer subscription on a user's behalf (limited agency clause here vs. per-request consent vs. a separate limited power of attorney). Our deep research on the FTC Negative Option / Click-to-Cancel rule's 2026 status did not produce verified conclusions — please advise on ROSCA and state automatic-renewal law exposure as well. Standard-form sections (liability, arbitration, indemnity) are placeholders for your language.

1. Agreement

These terms are a contract between you and MySubscriptions [COUNSEL: legal entity]. By creating an account you accept them. If you don't agree, don't use the service.

2. The service

MySubscriptions detects recurring charges on financial accounts you connect and, at your request, assists in cancelling subscriptions — either by giving you self-serve instructions or by contacting the merchant on your behalf. You must be 18 or older and reside in the United States.

3. Your bank connections

Connections are made through Plaid; by linking an account you also agree to Plaid's End User Privacy Policy.
You authorize us to receive read-only account and transaction data from the accounts you link, for the purposes described in our Privacy Policy.
You may only link accounts you own or are authorized to use.

4. Authorization to act on your behalf

[COUNSEL: this section is the core of the product — please draft to the appropriate standard (limited agent appointment? LPOA? per-request consent records?). Below is the intent in plain words.]

When you submit a cancellation request, you appoint MySubscriptions as your limited agent, authorized to contact the merchant, identify itself as acting for you, share the account details you provided for that request, and instruct the merchant to cancel the subscription. This authority is limited to the specific request, lasts until the request is completed, failed, or withdrawn, and does not permit us to make purchases, move money, or take any other action.

5. What we don't promise

Detection is best-effort. We may miss subscriptions or occasionally flag something that isn't one. Always review before acting.
Cancellation outcomes aren't guaranteed. Some merchants require the account holder to act personally; a typical request takes 2–10 business days. Until a merchant confirms cancellation, you remain responsible for charges, contractual minimums, and early-termination fees you owe that merchant.
We are not a financial, legal, or tax advisor. Information in the app is not advice.

6. Fees

The service is free during our beta. We may introduce paid plans (for example, concierge cancellation as a premium feature) with prior notice; continued use of paid features after pricing takes effect constitutes acceptance. [COUNSEL: revisit alongside billing launch; auto-renewal disclosure obligations (ROSCA / state ARL) will apply to OUR subscription too.]

7. Acceptable use

No unlawful use, no accessing others' accounts without authority, no interfering with the service, no reverse engineering, no false cancellation requests.

8. Termination

You can delete your account at any time (Profile → Delete Account), which revokes our bank access and purges your data per the Privacy Policy. We may suspend or terminate accounts that violate these terms.

9. Disclaimers and limitation of liability

[COUNSEL: standard warranty disclaimer ("AS IS"), cap on liability, exclusion of consequential damages, carve-outs required by law.]

10. Indemnification

[COUNSEL: standard clause.]

11. Disputes

[COUNSEL: arbitration clause + class-action waiver decision, opt-out mechanics, small-claims carve-out; governing law and venue.]

12. Changes

We may update these terms; material changes will be emailed and take effect no sooner than 14 days after notice, except changes required by law.

13. Contact

legal@mysubscriptions.com · [COUNSEL: mailing address]