Terms of Service
Draft — pending legal review. Awaiting sign-off by our Cyprus counsel before public launch.
These terms form the agreement between you and Millennials Group Limited (company number HE 396314, Arch. Makariou III, 1, Mitsi Building 3, Floor 2, Flat/Office 202, 1065 Nicosia, Cyprus), the operator of StillPaying. By using the service you accept them.
1. What StillPaying does
You connect a mailbox. We read billing mail only, identify recurring charges, and show you what they cost per year. For each charge we try to give you the merchant's own cancellation page, an unsubscribe link found in the receipt, store-specific instructions, or a ready-to-send cancellation message.
2. What StillPaying does not do
- We do not cancel anything for you. We show you where to cancel and can prepare a message, but you complete the cancellation yourself. Marking an item as “cancel started” in our app records your intention — it does not cancel the subscription.
- We do not move money. We are not a bank, payment institution, money transmitter, or agent for your bills. We never touch your bank account or card.
- We do not negotiate on your behalf and we do not contact merchants for you.
- We do not give financial advice. Everything we show is information about charges we found in your email.
3. Accuracy — what we can and cannot promise
StillPaying finds subscriptions by reading email. If a merchant never emails you, or a receipt is in a format we cannot read, we will not find that charge. We may also occasionally show something that is not a subscription. We flag results we are less certain about, and you can tell us when we are wrong.
You should treat our results as a helpful list, not a complete or authoritative record of your finances. Always check your own bank or card statement before relying on any number we show. We do not guarantee that any specific charge will be found, or that a cancellation you start will succeed.
4. Your account
- You must be at least 16 years old.
- Connect only mailboxes you own or are authorised to access.
- You are responsible for activity in your account.
- You may disconnect at any time, from our settings or directly from your Google account.
5. Free scan and paid subscription
Your first 12-month scan is free. Continuous monitoring — new-charge alerts, price-rise alerts, trial-conversion alerts, unlimited rescans and additional inboxes — requires a paid subscription:
- $9.99 per month, billed monthly, or
- $79 per year, billed annually
Prices are in US dollars and exclude VAT, which is added where applicable based on your location. Payments are processed by Stripe; we never receive your full card details. Subscriptions renew automatically until cancelled.
6. Cancelling and refunds
You can cancel at any time from your account, in two clicks, through the billing portal. There are no cancellation fees, no phone calls, and no retention flow. Your subscription remains active until the end of the period you have already paid for, and is not renewed after that.
EU and UK consumers: you have a 14-day right of withdrawal from the start of your subscription. Because the service is delivered immediately, by subscribing you request that we begin at once and acknowledge that you lose the withdrawal right once the service is fully performed; where it is not fully performed, we refund the unused portion. Outside that window, we will still consider fair refund requests — email support@stillpaying.io.
7. Acceptable use
Do not use StillPaying to:
- Access a mailbox you do not own or have permission to use
- Break the law, or infringe anyone's rights
- Attack, overload, reverse-engineer or probe the service, or attempt to bypass its security
- Resell or redistribute the service without our written agreement
8. Availability and changes
We aim to keep the service running but do not guarantee uninterrupted availability. We may change or discontinue features. If we make a material adverse change to a paid feature, we will tell you in advance and you may cancel for a pro-rata refund of the unused period.
9. Our liability
The service is provided “as is”. To the fullest extent permitted by law, we are not liable for indirect or consequential losses, for money you continue to be charged by a merchant, for a cancellation that fails, or for a subscription we did not find. Our total liability in any 12-month period is limited to the amount you paid us in that period.
Nothing in these terms limits liability that cannot lawfully be limited, including for death or personal injury caused by negligence, fraud, or your statutory rights as a consumer.
10. Ending the agreement
You may stop using StillPaying and delete your account at any time. We may suspend or close an account that breaches these terms, or that we reasonably believe is being used unlawfully. If we close your account without cause, we refund any unused paid period.
11. Governing law
These terms are governed by the law of the Republic of Cyprus, and the courts of Cyprus have jurisdiction. If you are a consumer resident elsewhere in the EU, you keep the protection of the mandatory consumer law of your country of residence and may bring proceedings there.