Terms

Last updated: 23 August 2026

Before launch: replace [LEGAL ENTITY NAME], [REGISTERED ADDRESS], [JURISDICTION] and the placeholder support address below with the operator's real details. This document is not legal advice and has not been reviewed by a lawyer.

These terms are the agreement between you and [LEGAL ENTITY NAME], [REGISTERED ADDRESS] (“we”, “us”) for use of Renewal Radar (“the service”). By creating a workspace you accept them. If you are accepting on behalf of a company, you confirm you are allowed to bind that company.

1. What the service does

You upload CSV exports of card or bank statements. The service parses them, groups charges that repeat, estimates when each subscription will next be billed, and highlights amounts that appear to have changed. Everything it shows is derived from the statement data you provided.

2. Your account

You are responsible for keeping your password secret and for what happens under your account. Tell us promptly if you believe it has been used without your permission. You must be legally able to enter into a contract to use the service, and you may not upload data you have no right to hold.

3. Subscriptions, billing, and cancellation

Paid plans are billed monthly in advance through Stripe. Your subscription renews automatically each month until you cancel. You can cancel at any time through the Stripe customer portal, reachable from Settings → Billing; cancellation takes effect at the end of the period you have already paid for, and your workspace returns to the free plan after that. Except where the law requires otherwise, we do not refund a partial month. Fees are exclusive of taxes unless stated otherwise, and any applicable taxes are added at checkout.

4. Changes to plans and prices

We may change the plans on offer, their limits, or their prices. We will give at least 30 days' notice by email to workspace owners before a change takes effect for an existing paid subscription. If you do not want to continue at the new price, cancel before it applies.

5. Detection is an estimate, not advice

Every figure the service produces is an estimate calculated from your own statement rows — intervals, medians, and differences between charges. Statements are noisy: descriptions change, refunds appear as separate lines, annual charges look like one-offs until they repeat, and a merchant can bill under a name you do not recognise. The service will sometimes group charges that do not belong together, miss a subscription entirely, or predict a renewal date that turns out to be wrong.

Nothing here is accounting, tax, legal, or financial advice, and it must not be treated as a bookkeeping record or as a substitute for one. You are responsible for verifying any figure against the underlying statement or the vendor's own invoice before acting on it — before cancelling a service, disputing a charge, budgeting against a total, or reporting a number to anyone else.

6. Acceptable use

Do not attempt to break into other workspaces, disrupt or overload the service, resell access, or upload malicious files. We may suspend a workspace that is doing any of these.

7. The service is provided as is

The service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that the subscriptions, dates, and price changes it reports are complete or accurate.

8. Limitation of liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, nor for lost profits, lost revenue, or missed savings, arising out of your use of the service. Our total liability for any and all claims is limited to the fees you actually paid us in the 12 months before the event giving rise to the claim. If you are on the free plan, that amount is zero. Nothing in these terms excludes liability that cannot lawfully be excluded.

9. Termination

You may stop using the service and delete your workspace at any time from Settings → Data & privacy. We may suspend or terminate an account that breaches these terms, or discontinue the service entirely, in which case we will give reasonable notice so you can export your data.

10. Changes to these terms

We may update these terms. Material changes will be announced by email to workspace owners and the date at the top of this page will be updated. Continuing to use the service after that date means you accept the revised terms.

11. Governing law

These terms are governed by the laws of [JURISDICTION], and the courts of [JURISDICTION] have exclusive jurisdiction over any dispute, without affecting any mandatory consumer rights you have where you live.

12. Contact

support@example.com (placeholder — replace with the operator's real support address before launch).