SubHome — Terms of Service

These Terms of Service ("Terms") govern your use of SubHome ("SubHome", "we", "us", "our"), a subscription management and savings optimisation application operated as an Einzelfirma under Swiss law.

By accessing or using SubHome, you agree to these Terms. If you do not agree, you may not use the service.

SubHome provides tools to:

• Track subscriptions and recurring expenses
• Receive renewal reminders
• Analyse spending
• Generate AI-assisted cancellation, negotiation, and optimisation suggestions
• Send communications to third-party providers on your behalf (with your explicit per-action authorisation)
• Manage subscriptions individually or within a household

SubHome is provided as a software-as-a-service (SaaS) application, accessible via web (subhome.app), iOS, and Android.

You must:

• Be at least 16 years old (users under 18 require parental or guardian consent)
• Have the legal capacity to enter into binding agreements, or have authorisation from a parent or legal guardian

You are responsible for:

• Maintaining the confidentiality of your account credentials
• Providing accurate and up-to-date information
• All activity under your account

You agree not to:

• Use the service for unlawful purposes
• Attempt to reverse-engineer, decompile, or exploit the system
• Use automated tools to scrape, copy, or replicate SubHome's features or data
• Abuse AI features or automated systems
• Share your account credentials with third parties

The free plan includes limitations such as:

• Maximum of 10 tracked subscriptions
• Up to 2 household members
• No access to AI-powered features (cancellation coach, negotiation, insights)
• No access to price increase alerts

We reserve the right to modify free plan features and limits. Existing free plan users will be notified of material changes.

SubHome provides AI-powered features including:

• Interactive cancellation guidance
• Bill negotiation strategies and email drafting
• Savings recommendations and alternative suggestions
• Subscription parsing and categorisation

Statements such as "SubHome pays for itself" or estimated savings figures are illustrative. They:

• Reflect typical or estimated outcomes based on aggregated user data
• Do not guarantee individual results
• Should not be relied upon as financial projections

You are responsible for:

• Verifying all information before acting on it
• Ensuring compliance with your existing contractual obligations to third-party providers
• Managing communications and relationships with third-party providers
• Obtaining any necessary permissions before adding other people's data to your account

SubHome only acts on your behalf when you provide explicit, per-action authorisation (such as approving an email before it is sent).

If you use shared household features:

• The account owner is responsible for managing access and invitations
• Shared data (subscriptions, spending) is visible to all household members
• You must obtain consent from all household members before adding them
• Each household member must meet the eligibility requirements in Section 3
• The account owner is responsible for ensuring parental consent is obtained for members under 18

All content, software, designs, trademarks, and features of SubHome are owned by SubHome or its licensors and protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to use the service for its intended personal or household purpose.

You may not:

• Copy, distribute, sublicense, or resell the service or its content
• Reverse-engineer, decompile, or disassemble the software
• Remove or alter any proprietary notices or marks
• Use SubHome's name, logo, or branding without written permission

Your use of SubHome is subject to our Privacy Policy.

We process data in accordance with:

• The Swiss Federal Act on Data Protection (revDSG)
• The EU General Data Protection Regulation (GDPR), where applicable to users in the EU/EEA
• Applicable international data protection regulations

You may request access to, correction of, or deletion of your personal data at any time as described in our Privacy Policy.

By creating an account, you consent to receiving:

• Service-related communications (renewal reminders, security alerts, account notifications)
• Product updates related to features you use

Marketing communications require separate opt-in consent and can be unsubscribed from at any time via the link in each email or through your account settings.

SubHome may offer beta or experimental features. These are:

• Clearly marked as "Beta" or "Experimental"
• Provided without warranty of any kind
• Subject to modification, limitation, or removal without notice
• Not guaranteed to be included in future versions of the service

We aim to provide a reliable service but do not guarantee:

• Uninterrupted availability
• Error-free operation
• Compatibility with all devices or operating systems

We may:

• Modify, update, or discontinue features with reasonable notice
• Perform scheduled and emergency maintenance
• Limit functionality during periods of high demand

To the maximum extent permitted by applicable law:

• SubHome is provided "as is" and "as available"
• We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement

We are not liable for:

• Indirect, incidental, special, or consequential damages
• Loss of profits, savings, data, or business opportunities
• Failed cancellations or negotiations with third-party providers
• Decisions or actions taken based on AI outputs
• Actions or omissions of third-party service providers
• Service interruptions or data loss

Our total aggregate liability for any claims arising from or related to these Terms or your use of SubHome is limited to the amount paid by you to SubHome in the 12 months preceding the claim, or CHF 100, whichever is greater.

Nothing in these Terms excludes or limits liability for fraud, gross negligence, wilful misconduct, or death or personal injury caused by our negligence, to the extent such exclusion is prohibited by applicable law.

You agree to indemnify, defend, and hold SubHome harmless from any claims, damages, losses, or expenses (including reasonable legal fees) arising from:

• Your use of the service
• Your violation of these Terms
• Your interactions with third-party providers
• Communications sent through SubHome on your behalf
• Content you provide or share through the service

Before initiating legal proceedings, both parties agree to attempt to resolve any dispute through direct communication within 30 days of the dispute arising. Notices should be sent to the contact address in Section 22.

If the dispute cannot be resolved amicably, it shall be submitted to the competent courts as set out in Section 20.

These Terms are governed by and construed in accordance with the substantive laws of Switzerland, excluding the United Nations Convention on Contracts for the International Sale of Goods (CISG) and conflict-of-laws provisions.

The place of jurisdiction is Zürich, Switzerland.

For consumers domiciled in Switzerland, the mandatory forums under Swiss law (ZPO Art. 32) remain reserved. For consumers domiciled in the EU/EEA, mandatory consumer protection provisions of their country of residence apply to the extent required by applicable law.

We may update these Terms from time to time. We will notify users of material changes at least 14 days in advance via email or in-app notification.

If you do not agree with the revised Terms, you may terminate your account before the changes take effect. Continued use of the service after the effective date of changes constitutes acceptance of the revised Terms.

For questions regarding these Terms:

If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a competent court, the remaining provisions remain in full force and effect. The invalid provision shall be replaced by a valid provision that most closely reflects the original intent.

These Terms, together with the Privacy Policy and any applicable Paddle Buyer Terms or app store terms, constitute the entire agreement between you and SubHome regarding use of the service and supersede all prior agreements or understandings.

No failure or delay by SubHome to exercise any right or remedy shall constitute a waiver of that right or remedy.