Subcycle helps you track every subscription in one place. To do that we work with a small set of trusted providers — and we believe you should know exactly what they do, what data they touch, and what we never see.
This policy explains what information Subcycle collects, how we use it, who we share it with, and the choices you have. We've written it in plain language and kept the legalese to a minimum.
Subcycle ("we", "us", "our"), operated by Ayub Hussein, provides an app that helps you track and manage your recurring subscriptions. We take the privacy of your financial information seriously, and we collect only what we need to make the product work.
By using Subcycle, you agree to the practices described in this policy. If you don't agree, please don't use the app.
When you sign in with Google or Apple, we receive your name and email address (or Apple's private relay address) to create and secure your account. We do not receive your password.
If you connect a bank account through Plaid, we receive account details and transaction history used to detect recurring charges. You can also add subscriptions manually, in which case we store the name, price, billing cycle, and dates you enter.
If you upgrade to Subcycle Premium, RevenueCat and the app stores provide receipt and entitlement information so we can grant and sync your access. We never receive your full card number.
To keep the app reliable, we collect basic technical data such as device type, operating system version, app version, and crash diagnostics.
We do not use your financial data for advertising, and we do not sell it.
Subcycle relies on the following trusted providers. Each receives only the data needed to perform its function and is contractually required to protect it.
Plaid — securely connects to your bank to retrieve account and transaction data. Your bank login credentials are entered directly with Plaid and your bank; we never see or store them.
Google & Apple — provide sign-in. We receive only your basic profile (name and email). We have no access to your email content, files, or other account data.
RevenueCat — manages subscription purchases and entitlements using receipt data and an anonymous user identifier. Payment is processed by Apple's App Store or Google Play.
Cloud infrastructure providers — host our application, database, and file storage. They store data encrypted on our behalf and do not use it for their own purposes.
No system is perfectly secure, but we work to protect your information using industry-standard practices.
We share your information only in these limited cases:
We never sell your personal or financial data to third parties.
We keep your data while your account is active. When you delete your account, we delete or anonymize your personal data, except where we're required to retain certain records for legal or accounting purposes. Disconnecting a bank account removes the associated connection promptly.
Depending on where you live, you may have additional rights under laws such as the GDPR or CCPA. Contact us to exercise them.
Subcycle is not intended for anyone under 16. We do not knowingly collect data from children. If you believe a child has provided us information, contact us and we'll remove it.
Your data may be processed in countries other than where you live. Where required, we use appropriate safeguards — such as standard contractual clauses — to protect it during these transfers.
We may update this policy from time to time. When we make material changes, we'll update the date above and, where appropriate, notify you in the app.
Questions about your privacy? Email us at privacy@subcycle.app and we'll be glad to help.
These terms govern your use of Subcycle. By using the app, you agree to them. Please read them carefully — they include important information about billing, your responsibilities, and the limits of our liability.
By downloading, accessing, or using Subcycle, you agree to be bound by these Terms of Service and our Privacy Policy. Subcycle is operated by Ayub Hussein ("we", "us", "our"). If you don't agree, do not use the app.
Subcycle is a tool that helps you track recurring subscriptions, view upcoming bills, and understand your spending. It is provided for personal, informational use. Subcycle is not a bank, financial advisor, or payment processor, and it does not provide financial advice.
Subcycle offers a paid Premium membership. Purchases are processed through the Apple App Store or Google Play and managed with RevenueCat.
If you connect a bank account, you do so through Plaid and authorize us to access the account and transaction data needed to detect subscriptions. You can disconnect at any time. Subcycle reads this data to display information to you — it does not move money or make payments on your behalf.
You agree not to:
Subcycle and its content, design, and trademarks are owned by us and protected by law. We grant you a limited, non-exclusive, non-transferable license to use the app for personal purposes. Your data remains yours.
Subcycle relies on third-party services including Plaid, Google, Apple, RevenueCat, and cloud infrastructure providers. Your use of those services may also be subject to their own terms. We're not responsible for the practices of third parties.
Subcycle is provided "as is" and "as available", without warranties of any kind. We don't guarantee that subscription detection will be complete or error-free, or that the app will always be available or uninterrupted. Always verify important financial details with your bank or provider.
To the maximum extent permitted by law, Subcycle and its team will not be liable for any indirect, incidental, or consequential damages, or for any loss arising from your use of (or inability to use) the app. Our total liability is limited to the amount you paid us in the 12 months before the claim.
You may stop using Subcycle and delete your account at any time. We may suspend or terminate access if you violate these terms or if we discontinue the service. On termination, your right to use the app ends, and we handle your data as described in the Privacy Policy.
We may update these terms from time to time. When changes are material, we'll update the date above and notify you where appropriate. Continued use after changes means you accept the updated terms.
These terms are governed by the laws of the jurisdiction in which Subcycle operates, without regard to conflict-of-law rules. Any disputes will be resolved in the courts of that jurisdiction.
Questions about these terms? Email us at support@subcycle.app.