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Terms of Use

Last updated: September 13, 2026 · Effective: September 13, 2026

These Terms govern the SubTap mobile application, subtapapp.com, our subscription purchase website quiz.subtapapp.com, and related services (the "Service"). Please read them before creating an account or buying a subscription. Our Privacy Policy explains how personal information is handled.

1. Seller and developer

Your contracting party and the seller of subscriptions purchased on our websites is APPTALKS LLC ("SubTap", "we", "us", or "our"), 1007 North Orange Street, Wilmington, DE 19801, United States. APPTALKS LLC is responsible for web purchases, billing, subscription administration, cancellations, applicable refunds, and customer support.

The application is developed by ALLIE LTD, Emmanouil Roidi 44, Kirzis Center, 3031 Limassol, Cyprus (registration number HE 460424). ALLIE LTD's role as developer does not change the identity of the seller of your web subscription.

For billing, access, privacy, or other support, contact support@subtapapp.com. Stripe processes web payments; APPTALKS LLC remains your seller.

2. Eligibility and accounts

You must be at least 18 and legally able to enter into this agreement in your country. SubTap is offered internationally, subject to local availability and applicable restrictions. You must accept these Terms to use the Service. Acknowledging the Privacy Policy does not replace any separate consent required for a particular use of your data.

An account is required to use the app. Sign-in methods available in your version may include email verification, Apple, or Google. Give accurate information, keep access to your sign-in email and credentials secure, and report suspected unauthorized access to support. Do not share activation links or verification codes. Third-party sign-in is also subject to the relevant provider's terms.

3. What SubTap does

SubTap helps you manually record subscriptions, review spending, track renewal dates, set reminders, and use an AI assistant. Descriptions at purchase identify the paid features included in your plan. Device and operating-system requirements are listed in the applicable app store; check compatibility before buying.

Tracking a third-party subscription in SubTap does not connect its billing account to us. We do not access your bank account, automatically discover charges, or cancel third-party services for you. Marking an entry cancelled or deleting it in SubTap only updates your records. Complete and verify cancellation with the relevant provider.

Reminders, spending estimates, exchange-rate conversions, and cancellation guides depend on your entries, device settings, and available information. Check important dates and amounts directly with the provider. We do not guarantee a particular saving or financial outcome.

4. Subscription price and automatic renewal

Paid SubTap plans are recurring subscriptions. They automatically renew until cancelled. We do not offer one-time purchases or lifetime plans under this offering.

Before you pay, checkout displays the amount and currency due, applicable taxes, subscription period, renewal frequency and price, and included features. Any introductory offer must also state its duration and the subsequent recurring charge. Your purchase confirmation records the terms applicable to your subscription.

By completing the purchase with the required subscription authorization, you authorize APPTALKS LLC, through Stripe, to charge the disclosed amount to your chosen payment method for the initial period and each renewal until cancellation. These Terms do not replace a separate checkout authorization where one is required.

Your paid subscription period starts immediately when payment on the website succeeds. Installing the app, opening an activation link, or signing in later does not postpone the start date, extend the paid period, or change the renewal schedule. Not using the app does not stop automatic renewal. This does not limit your rights if we fail to supply paid access.

5. Delivery and activation in the mobile app

After successful web payment, we send a confirmation and activation instructions to the email provided at checkout, including a magic link (app link) for activating access in the mobile application. Follow those instructions to install the app if needed and connect the purchase to your account. Installing a free app download does not itself purchase a second subscription.

If the email does not arrive, the link expires, activation fails, or your app sign-in uses a different email, contact support@subtapapp.com. We may verify purchase ownership before linking access. Do not buy again to resolve an activation problem. Replacing an expired link does not restart the paid period. Your rights to a remedy for a delivery or access failure remain unaffected.

6. Cancelling your SubTap subscription

To stop renewal of a web subscription, email support@subtapapp.com before your next renewal. Sending from the purchase email helps us locate the subscription; if you cannot access it, contact us for another way to verify the purchase. You do not need to sign in to the app to request cancellation. Do not send full card details or passwords.

For an identifiable cancellation request received before renewal, we stop the next renewal and send confirmation with the end date of your paid access. Your right to cancel does not depend on when our support team reads the message. If a renewal is charged after we received a timely, identifiable cancellation request, contact us so we can correct it and refund that charge.

Ordinary cancellation stops future renewals; access remains available until the end of the current paid period. It does not itself refund previous payments. Any rights to immediate termination, withdrawal, or a refund under applicable law take priority. Nothing here restricts a cancellation method or notice period required by the law that applies to you.

Deleting your SubTap account, deleting tracked subscription entries, uninstalling the app, or not activating your purchase does not cancel your paid SubTap subscription. Request cancellation separately. A web subscription is managed by APPTALKS LLC, even when you use the app on an iPhone or Android device; deleting an app or visiting store subscription settings does not cancel a Stripe web purchase.

7. Refunds and optional money-back guarantee

APPTALKS LLC handles refunds for web purchases. An optional money-back guarantee applies only if it was expressly offered at checkout. To qualify for a full refund of the initial purchase under that guarantee, all these conditions must be met:

The guarantee covers the initial purchase, not renewal charges. Personal dissatisfaction alone, or overlooking a clearly disclosed price or automatic renewal, does not qualify. Outside this guarantee, payments are generally non-refundable unless the purchase offer or applicable law provides otherwise.

These voluntary conditions do not limit rights concerning defective or undelivered services, unauthorized charges, misleading disclosures, statutory withdrawal, or other mandatory remedies. No usage evidence is required merely to exercise a statutory right where the law does not require it.

Cancellation, a refund, and termination of paid access are separate actions. When handling a refund, we explain its effect on access and future billing. You may request cancellation and a refund in the same email.

8. Statutory withdrawal and consumer rights

Depending on where you live, you may have a cooling-off period, including a 14-day right to withdraw from an eligible online service contract in the EU/EEA or UK. To exercise it, send a clear statement to support@subtapapp.com identifying the purchase, or use another legally available method. The voluntary guarantee's conditions do not apply to this right.

Starting access immediately does not, by itself, remove statutory withdrawal rights. Where applicable law allows a charge for services supplied before withdrawal, it applies only when its conditions, including a required express request for early performance, are met. Any exception for fully performed services or digital content requires the legally required prior express consent, acknowledgment, and confirmation. Accepting these Terms or simply opening the app does not substitute for those requirements.

Nothing in these Terms waives remedies for services that fail to conform to the contract, mandatory refund rights, or protections available under the law of your place of residence.

9. Price changes and unsuccessful payments

We will notify you of a change to your recurring price before it applies and obtain any consent required by law. A change will not increase the price of an already-paid period. You may cancel renewal before a new price takes effect.

If a payment fails, payment may be retried as permitted by law and the payment authorization. Continued access may be suspended if renewal remains unpaid. Contact support if payment succeeded but access is unavailable. We do not guarantee a particular grace period unless one is stated in the purchase offer or a notice to you.

If an existing purchase was made through Apple, Google, or another app marketplace, its transaction and the marketplace's mandatory billing, cancellation, and refund rules remain applicable. Such purchases are separate from the Stripe web subscriptions described here.

10. AI assistant and privacy

The AI assistant uses OpenAI through OpenRouter. Before the first AI request, the app asks you to confirm the disclosed transfer. You may decline and continue using other features. The Privacy Policy describes the message content and subscription information involved, as well as analytics, diagnostics, and your privacy choices.

AI responses can be inaccurate, incomplete, or outdated. They are informational and do not constitute financial, investment, legal, or tax advice. Verify important information with the provider or an appropriately qualified professional. Do not send passwords, full card details, or information you do not have permission to share.

11. Acceptable use and intellectual property

Do not use SubTap unlawfully, access someone else's account without authorization, interfere with security or availability, distribute malware, impersonate others, or infringe others' rights. Restrictions on copying, scraping, or reverse engineering apply only to the extent permitted by law. These Terms do not restrict honest reviews or lawful consumer complaints.

The software, branding, and other Service materials are protected by intellectual-property laws and belong to their respective owners, including ALLIE LTD and applicable licensors. You receive a limited, personal, non-commercial right to use the Service during your authorized access. A subscription does not transfer intellectual-property ownership.

You retain your rights in the information you enter. You permit us to process it as needed to provide the features you use, including synchronization and requested AI responses, as described in the Privacy Policy. Support correspondence and feedback are handled under that policy; submitting them does not authorize publication of your personal information.

12. Account deletion, suspension, and service closure

You can request account deletion in Settings or by emailing support. See the Privacy Policy's deletion and retention section. Deletion removes access to your account and its app data; automatic subscription charges continue until you separately cancel. Deletion does not automatically entitle you to a refund.

After deletion, you can still contact support about cancellation, refunds, or any remaining paid access. We may need purchase information to verify ownership. Deletion cannot restore previously erased tracking records or chat history.

We may restrict access for a material breach, a security threat, or a legal requirement. Where appropriate, we provide notice and an opportunity to resolve the issue. Urgent action may be necessary to protect users or comply with law. We will explain available review or support options. Suspension does not remove mandatory consumer remedies.

If we permanently discontinue a paid service, we will give reasonable notice, stop future renewals for that service, and provide any refund or other remedy required for the unused paid period. We will not use a general right to change features to remove your mandatory rights.

13. Service standards and liability

We will provide the Service with reasonable care and skill. Availability may be affected by maintenance, third-party outages, or events outside our reasonable control. We do not promise uninterrupted access or error-free information.

To the extent permitted by law, we exclude liability for indirect or consequential losses, and our total liability under these Terms is limited to the greater of the amounts you paid us in the preceding 12 months or EUR 100. These limitations do not exclude liability for fraud, death or personal injury caused by negligence, or any liability or consumer remedy that cannot lawfully be excluded or limited.

14. Complaints and applicable law

Please contact support@subtapapp.com so we can investigate a complaint. Contacting us first is not a condition for exercising a statutory right, disputing an unauthorized charge, or bringing a claim.

Applicable law and competent courts are determined by the rules that apply to your contract and circumstances. These Terms do not impose an exclusive foreign court, mandatory arbitration, or a waiver of consumer protections. Any right to bring proceedings in your home jurisdiction remains unaffected.

15. Changes to these Terms

We may revise these Terms to reflect changes to the Service or legal requirements. The date above identifies this version. We will provide advance notice of material changes where required and obtain any necessary agreement. Changes do not retroactively alter an already-paid period or remove accrued rights. Where a proposed change affects renewal, you may cancel before it takes effect.

16. Contact

Seller and customer support: APPTALKS LLC, 1007 North Orange Street, Wilmington, DE 19801, United States.
Email: support@subtapapp.com.
Developer: ALLIE LTD, Emmanouil Roidi 44, Kirzis Center, 3031 Limassol, Cyprus.