Terms of Service

Effective October 8, 2026

The short version. It's a tool that organizes the subscriptions on your statements and helps you cancel the ones you don't use. It makes its best guess and tells you when it's guessing. You decide what to cancel. The full version costs $4.99 a month or $39 a year, renews until you cancel, and cancels with one tap.

1. Who's agreeing

These terms are between you and Fancy's Apps ("we", "us"), the maker of Sneaky Subscriptions at sneakysubscriptions.com. By using the app you agree to them. If you don't agree, don't use it.

2. What the app is

Sneaky Subscriptions reads bank and card statements you give it, on your own device, finds charges that repeat, puts them on a list, and helps you review, track and cancel them. It also keeps bills on a separate list and shows totals, trends and reminders.

It is a personal-finance organizer. It is not a bank, not a financial adviser, not an accountant, and not a fraud-detection service. Nothing in the app is financial, legal or tax advice.

3. It guesses, and it says so

The app works out what repeats from the statement lines it can read. Banks format statements differently, and one or two months isn't always enough to be sure. So:

Anything the app isn't sure about is marked "needs review" with the reason. Check it.
Prices, next-charge dates and billing cycles are estimates until you confirm them.
The app may miss a charge, or list something that isn't a subscription. You are responsible for checking your own list and your own accounts.

4. Cancelling things is your call

The app never cancels anything for you and never contacts a company on your behalf. It shows you the service's site, steps we've written, the best day to cancel, and a reminder. You do the cancelling, with the company directly. Whether a company lets you cancel, refunds you, or keeps charging is between you and that company.

5. Your statements and your data

Your statement is read on your device and is never uploaded to us. What we keep and why is in the Privacy Policy, which is part of these terms. You own your data. You give us permission to store and sync your list for the sole purpose of running the app for you.

6. Accounts

You sign in with your email and a one-time code. Keep your email account secure; anyone who can read your email can sign in as you. You must be 18 or older. One account per person. Tell us at [email protected] if you think someone else has used your account.

7. Free and full versions

The free version shows how much the app found and the categories, with the names hidden, plus a full sample list. The full version shows your own names and unlocks the rest of the tools and syncing between devices. We may change what's in each version; if we take something out of the full version that you're paying for, you can cancel and we'll refund the unused part of the current period.

8. Price, billing and cancelling

The full version is $4.99 a month or $39 a year, in US dollars, plus any tax the law requires.
Payment is taken by Stripe on its own page. We don't see or store your card number.
Your plan renews automatically at the end of each period until you cancel. We'll email a receipt each time.
Cancel any time: in the app, open the Sneaky Subscriptions row in your own list, tap Bust it, then Cancel my plan. You keep the full version until the end of the period you've paid for, then it ends. There's no fee and no phone call.
Refunds: we don't refund the days already used in a period. If something on our side was broken and you couldn't use what you paid for, email us and we'll make it right.
If we change the price, we'll tell you by email at least 30 days before it applies to you, and you can cancel before then.
A referral credit (one month for a friend whose first payment goes through) is applied to your next charge and has no cash value.

9. Fair use

Don't try to break the app, get around the free/full split, use someone else's account, scrape the service, or use it for anything illegal. Don't upload a statement that isn't yours to use. We can close accounts that do these things.

10. Other companies' names

Names of banks, cards and services appear in the app only because they appear on your own statement, or because you typed them. They belong to their owners. Sneaky Subscriptions isn't affiliated with, endorsed by, or connected to any of them.

11. What we own

The app, its design, its text, and the Sneaky Subscriptions name are ours. Your list and your data are yours. You get a personal, non-transferable licence to use the app while these terms apply.

12. No guarantees

The app is provided as is. We work hard to make it accurate and available, but we don't guarantee it will find every charge, that every date or price will be right, or that it will be available at all times. To the fullest extent the law allows, we disclaim all warranties, express or implied.

13. Limits on what we owe

To the fullest extent the law allows, we aren't liable for money you paid to other companies, charges you didn't cancel in time, or any indirect, incidental or consequential loss. For anything we are liable for, our total liability is limited to what you paid us in the twelve months before the claim. Some places don't allow some of these limits; where that's the case, they apply only as far as the law permits.

14. Ending things

You can stop using the app at any time and delete your account by email. We can suspend or close an account that breaks these terms. If we ever shut the service down, we'll give at least 30 days' notice by email and refund any unused part of a paid period.

15. Changes to these terms

If we change these terms in a way that matters, the date at the top changes and the app shows a note the next time you open it. Using the app after that means you accept the change. The current version always lives at sneakysubscriptions.com/terms.

16. Law and disputes

These terms are governed by the laws of the State of New York, USA. If we have a dispute, let's talk first: [email protected]. If that doesn't settle it, the courts of New York have jurisdiction, unless the law where you live gives you the right to go to court there.