Skip to content
subfaro
← Back to home

Terms of use

Version 1.1 — effective October 22, 2026

These Terms of use govern your use of Subfaro — the website, the web app, the Android and iOS apps and the AI assistant integration. Subfaro is provided by GZ SEGURANÇA E DEFESA CIBERNÉTICA LTDA, a Brazilian company registered under CNPJ 40.988.106/0001-60, based in Cascavel, Paraná, Brazil ("we"). By creating an account or using Subfaro, you agree to these terms, the Privacy policy and the Cookie policy.

1. What Subfaro is

  • Subfaro is a subscription organizer: you add the services you pay for and it shows totals, the real cost in your currency, reminders, alerts and ways to save.
  • Plan prices, exchange rates, IOF and spread are informational. Plan prices come from public sources and may be out of date or differ from what you're actually billed. The official amount is always the one on your card bill or bank statement.
  • Subfaro does not provide financial advice. Insights and suggestions are informational; the decision is yours.
  • Subfaro does not connect to your bank, make payments, cancel subscriptions or manage your accounts with the services you subscribe to. Cancellation links take you to those services' official websites.

2. Your account

  • You must be 18 or older to use Subfaro.
  • Use accurate information and keep your password secret. You're responsible for what happens in your account.
  • If you notice unauthorized access, tell us right away at contato@subfaro.com.

3. Your obligations and acceptable use

When using Subfaro, you agree not to:

  • use the service for anything illegal or to violate other people's rights;
  • try to access accounts, data or systems that aren't yours, or bypass security measures;
  • overload the service, automate mass access or get around usage limits, except through the official integrations;
  • copy, resell, reverse engineer or commercially exploit Subfaro without permission;
  • add offensive or illegal content, or other people's data without a legal basis.

4. AI assistants

  • Connecting an MCP-compatible AI assistant (like Claude) is a Pro feature, optional, and requires your explicit consent on a Subfaro screen, where you choose read-only or read and edit access.
  • The assistant acts on your instructions. AI assistants can make mistakes: check what was added. Every change an assistant makes is logged in Account, with an option to undo it.
  • The assistant never gets your password, can't delete subscriptions and can't change your account.
  • You can disconnect at any time; access is revoked immediately.
  • The assistant is provided by a third party under its own terms and policies. We're not responsible for how the assistant works or for how its provider handles data.

5. Third-party trademarks and content

Service names, trademarks, logos and icons (such as Netflix, Spotify and others) belong to their owners and appear in Subfaro only to identify the subscriptions you add (nominative use). Subfaro is not affiliated with, sponsored or endorsed by those services.

6. Plans and payments

  • Plans: Subfaro has a Free plan (up to 10 subscriptions, no time limit) and a Pro plan, billed monthly or yearly. What each plan includes and current prices are on the pricing page.
  • Payment: payments are processed by Stripe. Card details are entered directly with Stripe; Subfaro never receives or stores them. Taxes may apply under applicable law.
  • Automatic renewal: Pro renews automatically at the end of each period (month or year) until you cancel.
  • Cancellation: you can cancel at any time in Account → "Manage subscription" (Stripe's portal). Pro access continues until the end of the period you've paid for, and there are no partial refunds, except as below.
  • Right of withdrawal (Brazil): under article 49 of Brazil's Consumer Protection Code, if you cancel within 7 days of your first purchase, we refund the full amount. Just ask at contato@subfaro.com. Any other mandatory refund rights under the consumer law where you live also apply.
  • Price changes: we'll email you at least 30 days in advance. The new price applies from the next billing cycle, and you can cancel before then.
  • Failed payment: if a charge isn't approved, there's a short grace period; after that the account goes back to Free. No data is deleted: subscriptions over the limit stay visible, but adding new ones requires Pro.
  • In-app purchases: in the future, purchases made inside the iOS and Android apps may be processed by Apple or Google, under those stores' terms.

7. Intellectual property and your data

Subfaro's software, brand, design and text are ours or licensed to us. The information you add remains yours: you allow us to use it only to provide the service, as described in the Privacy policy, and you can export it as CSV at any time.

8. Availability and changes to the service

We work to keep Subfaro available at all times, but there may be interruptions for maintenance or third-party failures. Alerts and notifications depend on your device, your connection and the permissions you grant. We may improve, change or retire features; if we ever shut the service down, we'll give you reasonable notice so you can export your data.

9. Limitation of liability

To the fullest extent permitted by law, we're not liable for charges made by the services you subscribe to, for differences between Subfaro's informational amounts and what you're actually billed, for decisions made based on the app's information, for actions of third-party AI assistants, for failures of payment processors or for indirect damages. Nothing in these terms limits rights you have as a consumer under applicable law, including Brazil's Consumer Protection Code.

10. Termination

You can delete your account at any time from the app or the web. We may suspend or close accounts that break these terms or the law, notifying you when possible. On termination, your data is handled as described in the Privacy policy.

11. Changes to these terms

If we change anything important, we'll let you know in the app or by email before it takes effect. If you keep using Subfaro afterwards, the new version applies to you. The version and effective date are at the top of this page.

12. Governing law and jurisdiction

These terms are governed by the laws of the Federative Republic of Brazil. The courts of Cascavel, Paraná, Brazil have jurisdiction, without prejudice to a consumer's right to bring a claim in the courts of their own place of residence, as provided by the Brazilian Consumer Protection Code and by mandatory consumer laws where you live.

13. Contact

GZ SEGURANÇA E DEFESA CIBERNÉTICA LTDA — CNPJ 40.988.106/0001-60 — Cascavel, Paraná, Brazil. Questions about these terms: contato@subfaro.com.

This English version is provided for convenience. For users in Brazil, the Portuguese version prevails.