The agreement, in plain English.

SubCut is a financial-data analysis tool. It identifies recurring charges and subscriptions in the accounts you connect and surfaces the right cancellation route for each one.

The service is delivered as a web application accessible at subcut.co.uk.

To be unambiguous:

• We cannot move money. SubCut has read-only access to your accounts. We cannot make, authorise, or initiate payments.
• We do not cancel subscriptions automatically. SubCut surfaces the relevant cancellation steps and provides ready-to-send messages — you complete cancellations directly with each merchant.
• We do not provide regulated financial advice. SubCut is an informational tool. Nothing on the service constitutes a personal recommendation under FCA rules.
• We are not your bank. We do not hold your money or operate payment accounts.

By using SubCut you agree to:

• Only connect bank accounts you own or are authorised to access.
• Keep your account credentials (including any SubCut login) confidential and secure.
• Use the service only for lawful purposes and not in any way that would damage, disable, or impair its operation.
• Take responsibility for the cancellation decisions you make. SubCut surfaces information; the decision to cancel any service is yours.

SubCut is currently free to use. Access may be limited, changed or withdrawn as we continue to develop the service.

We do not take payments today. If we introduce paid plans, pricing, cancellation and consumer-rights information will be published before billing begins.

We aim to keep SubCut available at all times, but we do not guarantee uninterrupted service. We may pause the service for maintenance, security, or to release new features.

We rely on third parties (notably our open banking provider and your bank) for parts of the service. If those upstream providers are unavailable, parts of SubCut may be temporarily unavailable too.

SubCut is provided “as is”. To the maximum extent permitted by law, we are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the service.

We are not responsible for losses caused by inaccurate, incomplete, or stale data received from your bank or our open banking provider, or for any actions you take on the basis of information surfaced in the app.

Nothing in these terms limits or excludes our liability for fraud, gross negligence, death or personal injury caused by our negligence, or any other liability that cannot be limited under English law.

We may update these terms from time to time. If we make material changes we will notify active users by email or via an in-app notice where required. Continued use after the effective date constitutes acceptance, subject to rights that law does not let us limit.

These terms are governed by the laws of England and Wales. Any disputes will be resolved in the courts of England and Wales.

Questions about these terms? Email hello@subcut.co.uk.