Terms of Service

Agreement

By using SubTracker ("the Service"), you agree to these Terms of Service. If you do not agree, do not use the Service. SubTracker is operated from Australia.

The Service

SubTracker is a subscription tracking tool. You upload bank statements (PDF or CSV), our AI extracts recurring subscription charges, and you manage them through a dashboard. We also send email reminders before subscriptions renew.

Payment & Limits

SubTracker costs a one-time payment of $19 AUD. This is not a subscription. You pay once and get lifetime access to the platform for as long as it remains operational. Payment is processed securely by Stripe.

Your account includes 20 AI-powered statement scans in any rolling 12-month period. Free accounts receive 1 scan. You can add unlimited subscriptions manually at any time.

Refunds

If something isn't right — an extraction error, a missed subscription, a bug — contact us at chris@subtracker.com.au first and we will fix it or re-scan your statement. AI-extracted results are estimates that you should review before saving (see the AI Accuracy Disclaimer below), and correcting them is usually faster than a refund.

We also offer a 14-day refund on the one-time unlock. If SubTracker isn't what you expected, email us within 14 days of purchase and we will refund you in full. Where a refund is issued, your account returns to the free plan and the AI-extracted data from your paid scans is removed.

Nothing in these Terms excludes, restricts or modifies your rights under the Australian Consumer Law. If SubTracker fails to do what we describe and that failure cannot be put right, you remain entitled to a remedy as required by law.

Refund cases

SubTracker can act as your authorised agent to ask a merchant to refund a charge. This is a separate, optional service from the one-time dashboard unlock, and it has its own fee and its own refund promise, set out below. Buying the unlock does not commit you to a case, and starting a case does not change the unlock's 14-day refund.

What the case service is. When you start a case, you choose the charges from your own scanned statement, tell us what happened, and we prepare a letter to the merchant asking for a refund. You preview the exact email and sign an authority for us to send it. Once you pay the fee, we email the merchant on your behalf, put you in CC on that email and everything that follows, and track the case for you. We chase a non-reply once, tell you when the merchant responds, and refund the fee if nothing comes back. That is the whole service.

What the case service is not. SubTracker is not a law firm and is not your lawyer. We give no legal advice, form no view on your legal rights, and make no promise that any charge will be refunded or that a merchant has done anything wrong. We correspond, request, forward, and keep records. We do not represent you in a dispute, appear for you, or enforce anything. If you want legal advice or representation, see a lawyer.

The fee, and how it is worked out. The case fee is 10% of the amount you are claiming, with a minimum of $5 and a maximum of $49, in Australian dollars. The claim amount is the total of the specific statement charges you select, so we compute the fee from your own evidence and show it to you before you pay. Because of the minimum, small claims cost more than 10%: a $30 claim carries the $5 minimum. You pay the fee upfront through Stripe when you authorise the letter, and nothing sends until that payment clears, unless the fee is waived: your first case is included with the unlock, and every case under an active Full Cleanup bundle is fee-free. On a waived case your signed authority alone releases the letter, and there is no fee for the guarantee below to refund.

The guarantee, in plain terms. If you have not confirmed that the merchant resolved your claim within 45 days of paying, we refund your fee in full, to your original payment method, automatically, and email you when we do. You do not have to ask. We refund the fee, never the amount you were claiming, because the amount you were claiming was never ours to give. Around day 40 we email to ask whether the refund arrived, so you can mark the case resolved if it did. If a refund from the merchant lands later, it is yours to keep, fee refund or not. Every case is covered on these terms, whatever strength we assessed it at.

Your authority. By signing the authority on the final step, you appoint SubTracker as your agent for one narrow purpose: to correspond with the named merchant about the specific charges attached to that case, to ask for a refund of them, and to receive the merchant's replies. The authority runs until the case closes or you revoke it, whichever comes first. You can revoke it at any time by emailing chris@subtracker.com.au, and we will stop corresponding on that case. We never receive, hold, or handle your money. Any refund is paid by the merchant straight to you.

What you are confirming. When you sign, you confirm two things: that the charges you attached appear in your own bank statement, and that you hold, or held, the account with the merchant that the charges relate to. You confirm the details you give us, including the cancellation date, the account email, and any membership details, are true to the best of your knowledge. We rely on those confirmations. We do not, and cannot, independently verify your bank records, and we present the charges to the merchant as your attested evidence, not as facts we certify.

When the merchant replies, or does not. If the merchant does not reply within seven days, we send one follow-up on the same thread, again with you in CC. When the merchant replies, we record the reply on your case and forward you a copy, and we pause the follow-up. A reply from the merchant does not settle anything by itself: whether to accept an offer, keep pushing, or drop the case is your decision. If the merchant's email address bounces, the case cannot proceed by email, we tell you, and the fee is covered by the same 45-day guarantee.

Charges we cannot pursue by letter. Some charges are billed by Apple or Google, not by the merchant whose name you recognise, and only Apple or Google can refund them. When we detect one of these, we show you the refund path to use directly and we do not open a case or charge a fee, because a letter to the merchant cannot reach that money.

Escalation. If the merchant refuses or ignores the claim, you can dispute the charge with your bank and complain to your state fair-trading body, and the letters tell the merchant you may do so. You can also ask us to refer you to a lawyer. Any legal representation is a separate engagement, on separate terms, between you and that lawyer. We do not share in any fee for it, and referring you is not us giving legal advice.

Service limits. The case service works by email only. It is built for charges from Australian merchants, because the arguments the letters make rest on Australian Consumer Law and state fair-trading regimes. We may decline or close a case that falls outside that scope, that we cannot verify against your statement, or that we judge we cannot pursue by correspondence. Where we decline before sending, you pay nothing; where we have already charged, the 45-day guarantee applies.

Honest use. You must only start a case for charges that are yours and that you have not already had refunded. Starting a case on charges you know are properly payable, or that you have already recovered, or on an account that is not yours, is a misuse of the service. We may refuse or close any case, decline future cases, and where a claim was made dishonestly, we may report it. You are responsible for what you attest.

Your consumer rights. Nothing in these case terms excludes, restricts, or changes any right you have under the Australian Consumer Law that cannot be excluded. If we fail to provide the case service with due care and skill, you keep every remedy the law gives you for that failure. The 45-day fee refund sits on top of those rights, it does not replace them.

Full Cleanup

What the bundle includes. For one payment of $49 AUD (launch price, one-time, no recurring billing), Full Cleanup gives you: a full audit of every statement you upload; cancellation of the active subscriptions you tick, handled by us through the notice channel each merchant accepts and confirmed to your email as each completes; every refund case arising from your audit run under the case terms above with the case fee waived while your bundle is active; and the full tracker unlock. One bundle per account.

How the cancellations work. You authorise us to cancel the subscriptions you tick, and we act on your instruction and on your authority as the account holder. Where a merchant accepts written notice, we lodge it; where only the account holder can cancel (including subscriptions billed through the Apple App Store or Google Play), we send you the exact steps instead, and we tell you which ones these are before you submit. Merchants set their own notice periods and cut-off dates, so we do not guarantee a cancellation takes effect on any particular date; we lodge promptly, confirm the outcome, and if charges keep coming after a valid cancellation we treat them as a refund case. Cancelling a subscription does not, by itself, refund charges already taken.

Cases under the bundle. Refund cases run under the case terms above in full, with the fee waived. Because there is no fee, there is nothing for the 45-day guarantee to refund on those cases, and you have lost nothing on a case either way.

Refunds on the bundle. The bundle is covered by the same 14-day, fix-first refund policy as the unlock: tell us what has gone wrong within 14 days and we fix it first; where we cannot put it right, we refund the $49. Work already performed under the bundle, including cancellations lodged and refund letters sent, is service delivered, and we will tell you exactly what has been done. A bundle refund ends the fee waiver for new cases; cases already sent run to completion unaffected.

AI Accuracy Disclaimer

SubTracker uses AI models from Anthropic and Google to extract subscription information from bank statements. While we strive for accuracy, AI-extracted data may contain errors. You should always review the extracted subscriptions before saving them. SubTracker is not a financial advisor, and the information provided should not be treated as financial advice.

Acceptable Use

You agree to:

• Only upload your own bank statements or statements you are authorised to access
• Not attempt to abuse, overload, or interfere with the Service
• Not use the Service for any unlawful purpose
• Keep your account credentials secure

Your Data

You retain ownership of all data you provide to SubTracker. We store your subscription data to provide the Service. Bank statements are processed in memory and immediately discarded. They are never stored. See our Privacy Policy for full details.

Account Termination

You may stop using SubTracker at any time. We may suspend or terminate accounts that violate these terms. Upon termination, your stored data will be deleted.

Limitation of Liability

SubTracker is provided "as is" without warranty of any kind. To the maximum extent permitted by Australian law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. Our total liability is limited to the total amount you paid for the Service.

Changes to These Terms

We may update these terms from time to time. Changes will be reflected on this page. Continued use of SubTracker after changes constitutes acceptance of the revised terms.

Governing Law

These terms are governed by the laws of Australia. Any disputes arising from these terms or the Service will be resolved in the courts of New South Wales, Australia.

Contact

For questions about these terms, contact us at chris@subtracker.com.au.