Terms of Service
Last updated: January 2025
What This Service Does
Why Are You Paying? analyzes your CSV/PDF bank statements to identify recurring subscriptions and provides links to help you cancel them. We use AI to detect subscription patterns and match them to known services.
Payment
- The service costs $15 USD (one-time payment)
- Payment is processed securely by Stripe
- You get immediate access to your full subscription report after payment
Refunds
If the service doesn't work for you (e.g., we couldn't identify any subscriptions from your statements), email hello@whyareyoupaying.com within 7 days for a full refund. No questions asked.
What We Don't Guarantee
- Accuracy: AI analysis may miss subscriptions or misidentify transactions. Always verify against your actual statements.
- Cancel Links: We provide links to cancellation pages, but we can't guarantee they'll work or that services haven't changed their process.
- Savings: We show what you're spending, not what you'll save. Actual savings depend on what you choose to cancel.
Your Responsibilities
- Upload only your own statements
- Verify subscription information before taking action
- Don't abuse the service (rate limits apply)
Limitation of Liability
Why Are You Paying? is provided "as is" without warranties. We're not responsible for any actions you take based on our analysis, including canceling services you didn't mean to cancel. Our liability is limited to the amount you paid for the service ($15).
Changes to Terms
We may update these terms. Continued use after changes means you accept the new terms.
Contact
Questions? Email hello@whyareyoupaying.com