Terms and Conditions

Eligibility

You must be at least 13 years old to use SubIQ. If the law where you live requires a higher age for you to agree to online terms, you may use SubIQ only with the involvement of a parent or legal guardian who accepts these Terms.

What SubIQ Provides

SubIQ is a subscription organization and information tool. Features may include:

• Recording and organizing subscription details that you enter.
• Estimating renewal dates, upcoming charges, and totals across currencies.
• Showing subscription timelines, calendars, categories, and status information.
• Scheduling optional trial-expiration and upcoming-charge reminders.
• Linking to subscription management pages operated by third parties.
• Generating informational cancellation and refund steps for selected companies using AI and web sources.

Features may differ by platform, region, app version, or service availability.

Accounts and Your Data

SubIQ may create an anonymous Firebase account to store and synchronize your subscription records and preferences. You may optionally use Continue with Google to create a persistent, Google-linked SubIQ account and access those records across supported devices. You are responsible for the accuracy of the information you enter and for keeping your devices and account access secure.

You may edit or delete individual subscription records using available in-app controls. You may delete a Google-linked account from Settings > Account > Delete Account or request deletion through the external process described in the SubIQ Privacy Policy.

Estimates and User-Entered Information

Renewal dates, upcoming charges, monthly totals, trial periods, and other calculations are estimates based on the information you provide and SubIQ's calculation rules. Currency conversions use general exchange-rate data that may be delayed or differ from the rate used by your bank, card issuer, app store, or subscription provider.

SubIQ is not a bank, payment processor, accounting service, or financial adviser. You must verify prices, taxes, fees, billing dates, exchange rates, and subscription status with the relevant provider before making a financial decision.

Notifications

Reminders are offered for convenience and are not guaranteed. They may be delayed or prevented by device settings, permissions, operating-system behavior, battery controls, app removal, incorrect subscription data, or technical failures. You remain responsible for monitoring subscriptions and payment dates directly with each provider.

Cancellation and Refund Guidance

SubIQ may use Google Gemini, Google Search, and website sources to generate cancellation or refund instructions for a company you select. This content is informational and may be incomplete, inaccurate, outdated, or inapplicable to your account, location, billing channel, or purchase.

SubIQ does not log in to your provider account, cancel a subscription, submit a refund request, negotiate with a provider, or guarantee any outcome. Opening instructions or a provider link does not complete a cancellation or refund. You must follow the provider's process and verify that the provider has confirmed your request.

SubIQ is not a substitute for legal, financial, tax, or other professional advice. Seek qualified advice when your situation requires it.

Third-Party Services and Links

SubIQ relies on or links to third-party services, which may include Firebase, Google Gemini, Google Search, Logo.dev, ExchangeRate-API, Apple, Google Play, subscription providers, and their websites or account portals.

We do not control third-party services, content, policies, availability, security, or billing decisions. Your use of those services is governed by their own terms and privacy policies. A link, logo, company listing, or reference in SubIQ does not imply that the third party sponsors or endorses SubIQ.

Paid Features and Store Purchases

If SubIQ offers premium features, subscriptions, or in-app purchases in the future, the price, billing period, renewal terms, and included features will be shown before purchase. Purchases made through Apple's App Store or Google Play are billed and managed by that store under the terms associated with your store account.

You must manage cancellation or refund requests for an in-app purchase through the store that processed it, subject to that store's rules and applicable consumer law. Cancelling a paid plan does not necessarily result in a refund for a completed billing period.

Acceptable Use

You agree not to:

• Use SubIQ for unlawful, fraudulent, abusive, or harmful activity.
• Attempt to access another user's data or bypass security or usage controls.
• Disrupt, overload, damage, reverse engineer, or interfere with the service.
• Use automated means to scrape or make excessive requests to SubIQ or its providers.
• Submit malicious code or information you do not have the right to use.
• Misrepresent AI-generated guidance as verified professional advice.

Intellectual Property

SubIQ's software, original design, text, graphics, and branding are owned by or licensed to ANMISOFT and are protected by applicable intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use SubIQ for its intended purpose under these Terms.

Third-party company names, logos, product names, and trademarks belong to their respective owners. Their appearance in SubIQ is for identification and informational purposes only.

Privacy

Our Privacy Policy explains what information SubIQ collects, how it is used, when it is shared, and the choices available to you. By using SubIQ, you acknowledge that processing described in the Privacy Policy.

Service Availability and Changes

We may add, change, suspend, or discontinue features to maintain security, comply with law, respond to provider changes, or improve SubIQ. We do not guarantee uninterrupted or error-free availability. We may restrict access when reasonably necessary to protect the service, users, or third parties from misuse or security risks.

Disclaimer of Warranties

To the fullest extent permitted by law, SubIQ is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory. We do not warrant that estimates, notifications, company data, links, exchange rates, AI guidance, or third-party information will be accurate, complete, current, secure, or suitable for your needs.

Limitation of Liability

To the fullest extent permitted by law, ANMISOFT and its service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss arising from:

• Your use of or inability to use SubIQ.
• Missed, delayed, duplicated, or inaccurate reminders or estimates.
• A subscription renewal, charge, failed cancellation, denied refund, or provider decision.
• Reliance on AI-generated guidance, source links, or third-party information.
• Unauthorized access to, alteration of, or loss of data.
• The availability, conduct, or content of a third-party service.

Nothing in these Terms excludes rights or liability that cannot lawfully be excluded or limited under applicable consumer law.

Changes to These Terms

We may update these Terms to reflect changes to SubIQ, our providers, or legal requirements. Updated Terms will be posted on this page with a revised effective date. Your continued use of SubIQ after an update means you accept the revised Terms to the extent permitted by law.

Applicable Law and Disputes

These Terms are governed by applicable law, without limiting any mandatory consumer protections available where you live. Before starting a formal dispute, you agree to contact us and make a reasonable effort to resolve the issue informally, except where applicable law gives you the right to proceed directly.