Terms of Service

These Terms of Service (the “Terms”) govern your use of the renewreminder.com website, the Renew Reminder web app, the Renew Reminder apps for iPhone, iPad and Android, the Renew Reminder browser extension, the Renew Reminder public API, and every feature, tool and piece of content we make available through them (together, the “Services”). “Renew Reminder”, “we”, “us” and “our” mean the operator of the Services.

By creating an account, clicking “I agree” or a similar button, installing one of our apps, or otherwise using the Services, you accept these Terms and our Privacy Policy, which is incorporated into them. If you do not agree, do not use the Services.

Anyone who visits the website without an account is a “Visitor”. Anyone who registers is a “Member”. These Terms apply to both, but the sections about accounts, plans and billing apply only to Members.

You may use the Services only if you are at least 18 years old (or the age of majority where you live, if higher) and can form a binding contract with us. If you use the Services on behalf of a company or other organisation — for example through a Business workspace — you confirm that you have authority to bind that organisation, and “you” in these Terms includes it.

The Services are designed for personal and small-business use. Features that depend on third parties — bank connections, app store billing, SMS delivery — are available only in the countries those third parties support, and we say so in the product where it matters.

How we collect, use and protect your personal information is described in our Privacy Policy, and the technical measures behind it are described on our Security page. Three commitments from those documents belong here too, because they are part of the deal:

• We do not sell your personal data, and we do not share it with advertisers or data brokers. There are no ads in the app.
• We never see your bank login. If you connect a bank, your credentials go to Plaid, not to us (section 6).
• You can export or delete everything from your account settings at any time (section 20).

Renew Reminder helps you keep track of recurring charges — subscriptions, bills, free trials, memberships and similar commitments — and reminds you before they renew. Depending on your plan and platform, the Services let you record subscriptions by hand or from a statement, import them from a connected bank account, receive reminders by email, SMS and push notification, see upcoming renewals in a calendar, share the cost of a subscription with other people, read our guides to cancelling common services, and ask Remi, our in-app assistant, about your subscriptions.

We are a reminder and organisation tool. We do not hold, move or have access to your money, we do not cancel or negotiate subscriptions with merchants on your behalf, and we are not a bank, payment institution, broker or adviser.

4.1Reminders and alerts

Reminders are sent according to the rules and lead times you set. We work hard to send them on time, but delivery depends on email providers, mobile carriers, app-store notification services and your device settings, none of which we control. Reminders may be delayed, filtered or not delivered, and the information in a reminder reflects what was in your account when it was generated. A reminder does not cancel anything. You remain responsible for cancelling, changing or paying for your subscriptions with the merchant.

4.2Remi, our in-app assistant

Remi uses third-party AI models to read what you send it — messages, photos, receipts, statements — and to suggest subscriptions, answer questions and draft records for you. AI output can be wrong: an amount misread, a renewal date guessed, a merchant confused with a similar one. Anything Remi saves to your account is yours to check and correct, and you should not rely on Remi's output for any decision without verifying it. Using Remi is optional. We do not use your conversations, documents or financial data to train AI models.

4.3Email, SMS and push messages

When you turn on a reminder channel and, for SMS, verify your phone number, you consent to receive the service messages you asked for on that channel: renewal reminders, verification codes, invitations you've sent, and notices about your account. We do not use your phone number for marketing calls or texts. Message and data rates from your carrier may apply. You can turn any channel off in your alert settings, and reply STOP to end SMS reminders.

4.4Changes to the Services

We improve the Services continually, which means features are added, changed and occasionally retired. We may modify, suspend or discontinue any part of the Services at any time. Where a change materially reduces what your plan includes, free or paid, we will tell you in advance as section 5.7 describes.

Renew Reminder has a free plan and paid plans. The free plan needs no payment method; paid plans add features and are billed as described below. Current plans and prices, what each plan includes, and its limits (for example, how many Remi messages or statement imports it allows a month) are shown on our pricing page and inside the apps. Prices are stated in the currency shown at checkout and include taxes only where we say so.

5.1Free trial

Members may be offered a free trial of a paid plan. Starting a trial needs a payment method: your Apple ID or Google Play account in the apps, or a card at checkout on the web. We tell you the trial length and the price you will be charged before you start it, and remind you before it ends. Unless you cancel before the trial ends, your paid plan starts automatically and the payment method you provided is charged. If you cancel before then, you are not charged and your account stays on the free plan. One trial per person; we may decline a trial to anyone who has had one before.

5.2Automatic renewal

Paid plans renew automatically at the end of each billing period (monthly or yearly) at the then-current price, until you cancel. You can cancel at any time; cancellation takes effect at the end of the period you have already paid for, and you keep your paid features until then. On the web you can instead choose to cancel immediately; your paid features then end at once and the unused part of the period is not refunded. Either way, when your paid features end, your account carries on with the free plan (section 5.6). Yes, we are a subscription that reminds you about subscriptions — add us to your list, and we'll warn you about ourselves too.

5.3How you are billed

• Purchased in the iPhone or iPad app: billed by Apple through your Apple ID. Manage or cancel in your Apple subscription settings. Refunds are handled by Apple under its policies.
• Purchased in the Android app: billed by Google through Google Play. Manage or cancel in Google Play. Refunds are handled by Google under its policies.
• Purchased on the web: billed by our payment processor, Stripe. We do not see or store your full card number. Manage or cancel from your account settings.

A plan bought on one platform works on all of them; your plan is synced to your account, not to a device. Except as sections 5.7, 20.2 and 22 provide, or where the law or an app store's policy requires otherwise, payments are non-refundable and we do not give credit for partly used periods. The one exception is a switch between monthly and yearly billing on the web: it takes effect straight away, and the unused part of the period you already paid for is credited toward the new one.

5.4Price changes

We may change prices. A price change applies to your next renewal only after we have given you notice — at least 30 days by email or in the app — so that you can cancel before it takes effect. If you keep using the Services after the change, you accept the new price.

5.5Business workspaces

Business plans are billed per workspace according to the plan you choose. The person who creates a workspace is its owner and is responsible for its fees and for the people they invite to it. Members of a workspace can see the subscriptions in that workspace, so invite only people who should.

5.6When a paid plan ends

When a paid plan ends, your account carries on with the free plan and keeps everything the free plan includes. Features that need a paid plan stop — your bank accounts stop syncing, and text-message reminders stop — and the free plan's limits apply. After a paid plan ends, we may also disconnect your linked bank accounts, after emailing you in advance; the subscriptions and transactions already imported from them stay in your account.

5.7Changes to plans, features and limits

We may change what the free plan and our paid plans include, and their limits — for example, by adding or retiring a feature, moving a feature from the free plan to a paid plan, or changing how many Remi messages or custom rules a plan allows. When a change materially reduces what your plan includes, we will tell you at least 14 days before it takes effect, in the same way section 22 describes for material changes to these Terms: by email to your account address, by a notice in the app, or both. If it reduces a paid plan you are on, you may cancel; for a plan bought on our website we will refund the unused part of the current period, and for a plan bought through Apple or Google you can ask them for a refund under their policies (section 5.3). If a change has to happen sooner — because the law requires it, a provider we rely on changes or ends its service, or to stop abuse — we will tell you as soon as we reasonably can. Changes that add features or raise limits can take effect straight away. Price changes follow section 5.4.

Connecting a bank account is optional and needs a paid plan. Everything else in Renew Reminder works without a bank connection. If you choose to connect one, the connection is made through Plaid, a service used by thousands of financial apps.

• Your credentials go to Plaid, not to us. You sign in to your bank inside Plaid's interface. We never see, receive or store your bank username or password.
• Access is read-only. Plaid gives us a token that lets us read account and transaction information. It does not let us, or anyone, move money or change anything at your bank.
• One purpose. We use transaction data to find recurring charges so we can suggest subscriptions to track and warn you before they renew. That is all.
• You can disconnect at any time from the Accounts screen. Doing so revokes our access at Plaid and removes the connection; you keep the subscriptions and transactions already imported from it. If your paid plan ends, we may disconnect it after emailing you first, as section 5.6 explains.

Bank data arrives from your bank via Plaid, and we show it to you as we receive it. We do not review it for accuracy or completeness and cannot guarantee that it is current. Merchants describe charges in their own ways, so a detected subscription may be mis-named, mis-dated or missed entirely; treat detections as suggestions to confirm. Your relationship with your bank, and Plaid's handling of your data, are governed by their terms and privacy policies, not these Terms.

By connecting a bank account, you authorise us, and Plaid acting on our behalf, to retrieve your account and transaction information from your bank for the purpose described in section 6, and you confirm that you are entitled to grant that access. You can revoke it at any time by disconnecting the account.

You keep ownership of everything you add to Renew Reminder — the subscriptions you record, statements and receipts you upload, notes, photos and conversations with Remi (your “Content”). You give us a limited licence to store, process, display and transmit your Content solely to provide the Services to you and the people you choose to share with. That licence ends when you delete the Content or your account, except for copies in routine backups, which are removed on their normal cycle. We do not use your Content to train AI models, and we do not use it for anything other than running the Services.

To become a Member you provide an email address and choose a password, and you verify the email address with a code we send to it. You agree to give us accurate information and to keep it current — in particular the email address and phone number we send reminders to, because a reminder sent to an address you no longer read is no reminder at all.

• You are responsible for keeping your password confidential and for everything that happens under your account.
• Tell us straight away at support@renewreminder.com if you believe your account has been accessed without your permission.
• One account per person. Do not share your account or let someone else use it; use the sharing features instead.
• We may refuse, suspend or reclaim an account name or email that impersonates someone or breaches these Terms.

We give you a personal, limited, non-exclusive, non-transferable, revocable licence to use the Services in line with these Terms. In return you agree not to, and not to help anyone else to:

• use the Services for anything unlawful, or in breach of a contract you have with someone else;
• connect a bank account, or add another person's details, without the right to do so;
• access the Services by any automated means — scraping, crawling, bots — other than our public API used under section 13;
• probe, scan or test the vulnerability of the Services, or bypass any security or rate-limiting measure, except through responsible disclosure to us;
• reverse-engineer, decompile or try to extract the source code of our apps, except where the law expressly allows it;
• upload malicious code, or anything that infringes someone else's rights or that you do not have the right to share;
• resell, sublicense or offer the Services to third parties, or use them to build a competing product;
• send invitations or messages through the Services to people who have not agreed to receive them;
• interfere with the Services, other Members, or the infrastructure the Services run on.

The Services may be unavailable from time to time for maintenance, updates or reasons outside our control. We are not liable for downtime, but we will keep it short and tell you when we can.

Renew Reminder organises information about your recurring spending and helps you act on it. Nothing in the Services — totals, budgets, detected subscriptions, Remi's answers, cancellation guides or anything else — is financial, investment, tax, accounting or legal advice, and none of it is tailored to your circumstances. Before making a financial decision, consider getting advice from a qualified professional. We are not a fiduciary, and we do not act as your agent with any merchant, bank or other party.

Our cancellation guides explain how to cancel common services, step by step. They are written from public information and from Members' experience, and merchants change their processes without telling us. A guide may therefore be out of date or not match your account. Guides are information, not a service we perform: we do not cancel, negotiate or contact merchants on your behalf, and we are not responsible for charges, fees or terms that a merchant applies to you.

Where the Services link to a merchant or other third-party site, we do not endorse it and are not responsible for its content, products or practices. We do not receive payment from merchants for listing them.

You can split the cost of a subscription with other people and invite them by link, email or SMS. When you do, the people you invite can see the subscription's name, cost, renewal date and their share, and you are responsible for having their agreement to receive the invitation. We use their contact details only to deliver it.

Notes and images you add to a shared record, such as a receipt or payment screenshot attached to “I've paid my share”, are your Content under section 7: you keep ownership, you let us store them and show them to the people on that record (and to our moderators if one is reported), and they must not contain anything unlawful or anything you do not have the right to share.

Renew Reminder tracks who owes what; it does not collect, hold or transfer money between people. Settling up is between you and the people you share with, and we are not party to any arrangement between you.

Depending on your plan, you can generate API keys, install our browser extension, and connect third-party services such as Google Calendar. API keys and extension pairings act as you: keep them secret, do not embed them in public code, and revoke any key you no longer use. You are responsible for everything done with a key issued to your account. We may apply rate limits and may suspend keys that are abused or that put the Services at risk.

Integrations with third-party services are subject to those services' terms, and depend on their continued availability. You can disconnect an integration at any time from your settings, which revokes the access you granted.

Using our apps requires a compatible device and internet access, both of which are your responsibility, as are any charges from your carrier or provider. We do not warrant that the Services will work on every device or operating-system version, and we may stop supporting older versions.

Home-screen widgets and lock-screen information are conveniences: they show a snapshot of your data as of the last refresh and may lag behind the app. Do not rely on a widget alone for a renewal date.

The Services — the software, design, text, graphics, logos, brand names and the Remi assistant — are owned by Renew Reminder or its licensors and are protected by copyright, trademark and other laws. Except for the licence in section 9, nothing in these Terms gives you any right in them. “Renew Reminder” and our logos are our trademarks; do not use them without written permission.

Merchant names and logos shown in the Services belong to their respective owners and appear only to identify the subscription you are tracking. Their appearance does not imply any affiliation with, or endorsement by, those merchants.

If you send us ideas, suggestions or bug reports, we may use them without any obligation to you. Now and then we release features as beta, preview or early access. They are provided as-is, may change or disappear, and may have bugs; treat data in a preview feature as less durable than the rest of your account.

Nothing in these Terms affects rights you have as a consumer that cannot be waived or limited under the law where you live.

You agree to defend, indemnify and hold harmless Renew Reminder and its owners, employees and contractors from any claim, loss, liability or expense (including reasonable legal fees) arising from your breach of these Terms, your Content, your misuse of the Services, or your violation of any law or of someone else's rights. We will tell you promptly of any such claim and may take over its defence, in which case you will cooperate with us.

20.1You can leave whenever you like

You can delete your account from Settings in the app or on the web, or by following the steps on our account deletion page. Deleting your account removes your subscriptions, transactions, bank connections, conversations with Remi and profile from our systems, and revokes our access at Plaid. Before you do, you can export your data from Settings. Deleting your account does not cancel a plan billed through Apple or Google; cancel that in your app-store subscription settings as well.

20.2When we may end or suspend access

We may suspend or terminate your access to all or part of the Services, with notice where we reasonably can, if you breach these Terms, if we are required to by law, if your use creates risk or legal exposure for us or for other Members, or if the Services are discontinued. If we terminate a paid plan for a reason other than your breach, we will refund the unused part of the period you have paid for if you bought the plan on our website; if you bought it through Apple or Google, you can ask them for a refund under their policies (section 5.3).

20.3What survives

Sections that by their nature should survive — including 7 (as to backups), 15, 17, 18, 19, 21 and 24 — continue after your account is closed.

These Terms and any dispute arising out of them or the Services are governed by the laws of the jurisdiction in which Renew Reminder is established, without regard to its conflict-of-law rules, except where the mandatory consumer-protection law of the country you live in gives you additional rights.

21.1Talk to us first

Most problems are misunderstandings, and we would much rather fix one than litigate it. Before starting any formal proceeding, you agree to email us at support@renewreminder.com with a description of the issue and what you would like us to do, and to give us 30 days to resolve it. We commit to the same before bringing a claim against you.

21.2Where claims are heard

If we cannot resolve a dispute informally, it will be brought in the courts of the jurisdiction whose law governs these Terms, and you and we each submit to those courts — except that you may bring a claim in the courts of the country where you live if consumer law gives you that right, and either of us may bring an eligible claim in a small-claims court. To the extent permitted by law, any claim must be brought within one year of the event giving rise to it, and claims may be brought only on an individual basis, not as a plaintiff or class member in any class or representative proceeding.

We may update these Terms as the Services and the law change. When we make a material change, we will tell you at least 14 days before it takes effect — by email to your account address, by a notice in the app, or both — and update the effective date at the top of this page. If you keep using the Services after a change takes effect, you accept the updated Terms. If you do not accept them, you should stop using the Services and may delete your account. If a material change reduces a paid plan, you may cancel; for a plan bought on our website we will refund the unused part of the current period, and for a plan bought through Apple or Google you can ask them for a refund under their policies (section 5.3).

Latest change, effective October 4, 2026. Section 5 introduces the free plan and says where its limits are published, makes clear that a free trial is a trial of a paid plan and needs a payment method, explains what happens when a paid plan ends — including that we may disconnect linked bank accounts after emailing you, keeping what was already imported (section 5.6) — and sets out how we may change what each plan includes (section 5.7); section 6 notes that connecting a bank needs a paid plan; and section 12 covers the notes and images you add to a shared record.

If you use the Services through an app downloaded from the Apple App Store or Google Play, the following also applies:

• These Terms are between you and Renew Reminder only, not Apple or Google. Renew Reminder, not Apple or Google, is responsible for the app and its content, for maintenance and support, for any product warranties (to the extent not disclaimed), and for addressing any claim that the app infringes a third party's intellectual property rights.
• Your licence to the iOS app is limited to a non-transferable licence to use it on Apple devices you own or control, as permitted by the Usage Rules in Apple's Media Services Terms.
• Apple has no obligation to provide maintenance or support for the app. If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price to you; Apple has no other warranty obligation.
• You confirm that you are not located in a country subject to a US government embargo or designated as “terrorist supporting”, and that you are not on any US government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these Terms as they relate to the iOS app and may enforce them against you. You must also comply with any third-party terms that apply when using the app.

• Entire agreement. These Terms, the Privacy Policy and any plan-specific terms we show you at purchase are the whole agreement between you and us about the Services, and replace any earlier agreement.
• Severability. If any part of these Terms is found unenforceable, it will be enforced to the maximum extent permitted and the rest will remain in full effect.
• No waiver. If we do not enforce a provision, that is not a waiver of our right to enforce it later.
• Assignment. You may not transfer these Terms or your account to anyone else. We may transfer them to a successor that takes over the Services, and will tell you if we do.
• Electronic communications. You agree that we may send notices, disclosures and other communications to you electronically — by email, in the app, or on the website — and that they satisfy any legal requirement that they be in writing.
• Force majeure. Neither of us is liable for a failure or delay caused by events beyond our reasonable control.
• Language. These Terms are written in English. If we provide a translation, the English version governs in case of conflict.

Questions about these Terms, a billing problem, or something you think we got wrong — write to us at support@renewreminder.com or through our contact page. We reply within 24 hours on working days.