Terms of service

1. Defined terms

The terms below have the meaning attributed to them here wherever they appear in this document, singular or plural.

Subscriber

The individual or entity that opens an Account and pays for access, whether acting as a consumer or in a professional capacity.

Account

The password-protected workspace from which the Subscriber performs detections, launches cancellations, downloads Proof Files, and manages billing.

Detection

Automatic identification of recurring withdrawals attributable to a merchant or provider, derived from the information the Subscriber provides or connects.

Optimization report

The ranked list of savings suggestions that CiaoSub returns after Detection, including cheaper plans, duplicates and dormant plans.

Claim

A refund request, credit, or unpaid amount that the Subscriber decides to pursue against a third party with assistance in drafting and sending from CiaoSub.

Letter

The cancellation or complaint notice generated from a template, from the Subscriber's text or with the help of the AI writing agent.

Sending

The moment the Letter leaves CiaoSub to reach the recipient. Sending is electronic.

Proof File

The complete set of proof issued for a Send: timestamp, digital fingerprint of the document, blockchain transaction reference, sender and recipient identity, and where applicable a delivery receipt.

Trial

The 48-hour paid access period at $1.36 including tax that precedes the monthly subscription.

Site

https://www.ciaosub.com and each page, endpoint and interface served from ciaosub.com.

2. Who Operates the Site

• Editor: Ciaosub Solutions Limited (C 116433)
• Registered office:
• VAT Number: MT33130919
• Support: [email protected]
• Billing: [email protected]
• Site: https://www.ciaosub.com

Hosting

• Hoster: OVHcloud (OVH SAS).
• Hoster address: 61 Lordou Vironos Street, 6023 Larnaca, Cyprus
• Hoster site: https://www.ovhcloud.com

3. Scope, Languages, and Acceptance

3.1. This document governs every sale and use of CiaoSub. Opening a page on the Site constitutes full acceptance.

3.2. Access is provided in 180 countries and the interface is provided in 40 languages. If two language versions of these terms diverge, the wording of the English text is the one that applies.

3.3. CiaoSub may modify these terms at any time. The version applying to an order is the one published when that order was placed.

A price change is announced one (1) month before it takes effect. A Subscriber who doesn't want the new price can cancel before the effective date.

4. Detection of Recurring Charges

4.1. CiaoSub analyzes the sources the Subscriber connects or the statements the Subscriber downloads, groups withdrawals by merchant and lists what appears to be an active subscription.

4.2. Detection reads incomplete data. CiaoSub does not guarantee that every active subscription is found, that every listed item is still active, or that the amount and billing date indicated match merchant records. The Subscriber verifies the list before acting on it.

5. Cost Optimization

5.1. An Optimization Report ranks debits by the savings CiaoSub estimates are available on each.

5.2. Estimates are indicative. Merchants modify catalogs, regional prices and eligibility rules without notice, so that a savings figure stated in the Report may already no longer be available. No figure in a Report commits CiaoSub to the Subscriber to pay less.

6. Assistance with money disputes

6.1. When a withdrawal appears recoverable, CiaoSub drafts the request, compiles the evidence files and sends the request on the Subscriber's instruction.

6.2. This function's scope is drafting and sending. CiaoSub is not the Subscriber's representative, does not litigate, and does not guarantee a sum will be recovered in full, in part, or at all.

6.3. The text produced by the AI drafting agent is a starting draft and not legal advice. The content responsibility of a Letter rests entirely with the Subscriber.

7. Cancellation and Transmission

7.1. The Subscriber selects a merchant, CiaoSub builds the cancellation Letter from a template, the Subscriber's text or with the AI agent, and sends it once the Subscriber validates.

7.2. Transmission is electronic only. CiaoSub does not print, envelope, stamp, deliver anything, or provide postal registered mail service in the postal and electronic communications sense.

7.3. Delivery to the recipient is electronic. The dispatch and delivery data shown in the Account, together with the Proof File, are authoritative between the parties.

7.4. The Letter reaches the recipient almost immediately. When opened, if it is answered, and how quickly the merchant then closes the subscription, this is outside the control and guarantee of CiaoSub.

8. Proof Issuance

8.1. Each Send is accompanied by:

1. a cryptographic timestamp fixing the exact date and time the Letter left CiaoSub;
2. a unique SHA-256 digital fingerprint of the document, which fixes its integrity;
3. recording this fingerprint on a public blockchain, so that any third party can verify it and no party can modify it;
4. a digital proof certificate bringing together the timestamp, fingerprint, blockchain transaction identifier, and the identity of the sender and recipient;
5. upon request, an electronic receipt recording that the Letter has been made available to the recipient.

8.2. Certificates, fingerprints, timestamps and sending logs are retained for at least twelve (12) months.

A Proof File is issued by a qualified electronic registered mail service under Regulation (EU) No. 910/2014 (eIDAS). This is not postal registered mail. In court, it benefits from the presumption of Article 43(2) of that Regulation regarding data integrity, sending, receiving, and date and time.

9. Validation Locks the Letter

Validating a Letter is final consent and immediately triggers production. Nothing can be edited or removed after that. Incorrect text, recipient, or address is the Subscriber's error, as is any refusal or return it causes.

10. Indicative delivery time

10.1. A Letter is transmitted electronically and is normally made available to the recipient within minutes of being sent, whatever the recipient's country.

10.2. When the recipient opens the Letter, answers it or acts on it depends on the recipient alone, as set out in 7.4.

10.3. These indications are observations, not commitments, and no contractual guarantee is attached to them.

11. Trial, subscription, and cancellation by the Subscriber

11.1. Access opens with a paid promotional trial of 48 hours at $1.36 including tax, which unlocks the full CiaoSub during this window.

11.2. Validating the order is express and irrevocable acceptance of the following statement:

"I accept the 48-hour promotional offer at $1.36 and authorize automatic debit of $73.99 per month after 48 hours, with no duration commitment and cancelable anytime."

• At the close of 48 hours, the first $73.99 installment is automatically charged.
• The subscription then renews month after month at $73.99 including tax, with no minimum duration.
• Canceling during the 48-hour Trial leaves $1.36 including tax to pay; this is the minimum.
• Cancellation is performed by the Subscriber from the Account, at any time.
• It takes effect at the end of the current billing period, and this period is due in full.
• Sums already withdrawn are not refunded, nor are services already rendered, including document generation and transmission of a Letter.

12. Pricing, taxes, and payment

12.1. Pricing is in euros. Any other currency displayed on the Site is a conversion provided for information only.

12.2. A subscription purchases access to software services.

12.3. Tax follows the Subscriber's location, covering local VAT, the EU single broker regime, and Maltese data protection authority requirements.

12.4. Card is the only accepted instrument, processed via CiaoSub.com. Subscribing requires a standing authorization for recurring charges. If payment is refused or fails, CiaoSub may suspend Account access until it succeeds. Billing questions go to [email protected].

13. Waiver of Right of Withdrawal

Consumers in the EU and EEA

13.1. Before any order validation, the Subscriber declares that performance must begin at the precise moment the subscription is validated, without waiting for the end of the statutory fourteen (14) day period provided in Article L.221-18 of the Consumer Code.

13.2. Checking the dedicated payment box is an express and irrevocable waiver of the right of withdrawal under Article L.221-25 of the Consumer Code, given in exchange for immediate access.

13.3. Since AI document generation and the electronic transmission of a Letter are performed entirely when a file is validated, no refund, partial or complete, can be claimed once this validation occurs.

Professionals

13.4. There is no right of withdrawal.

14. Account Rules

1. An Account is required; nothing can be executed without one.
2. Credentials are strictly personal and confidential, and the Subscriber keeps them confidential.
3. The Subscriber maintains the details kept in the Account accurate and current.
4. CiaoSub may suspend or close an Account in case of fraud, outstanding payments, or violation of these terms.

15. Subscriber obligations and prohibited content

15.1. The Subscriber warrants that the content of each Letter and each recipient address are accurate, and undertakes to observe applicable laws, particularly those regarding data protection and electronic communications.

15.2. The following cannot be transmitted via CiaoSub:

• content that is illegal, defamatory, obscene, hateful or discriminatory;
• documents that are counterfeit, falsified, or fraudulent;
• unsolicited commercial marketing;
• confidential or personal information belonging to a third party, sent without that third party's permission;
• any Letter that would violate an embargo or international sanctions measure.

15.3. Violation of 15.2 immediately suspends the Account.

16. Filtering

CiaoSub performs anti-fraud and compliance checks, including customer due diligence and anti-money laundering procedures. A Letter that is illegal, fraudulent, or subject to international sanctions may be blocked or deleted, and no refund is issued when this occurs.

17. Site availability

The Site is accessible every hour of every day, except during maintenance, technical incidents, and force majeure. CiaoSub may cut access temporarily without notice, and no compensation follows such an interruption.

18. Warranties and Liability Cap

1. Services are provided as-is, without warranty of legal conformity, completeness, or results.
2. CiaoSub's aggregate liability may not exceed the sums paid by the Subscriber in the preceding twelve (12) months, with a minimum of one hundred euros (EUR 100).
3. Indirect losses are excluded, in particular lost profits, moral harm, and data loss.

19. Intellectual Property

The Site, its databases, editorial content, logos, and letter templates are protected works. Reproducing, extracting, or republishing any of them requires the prior written permission of CiaoSub. What the Subscriber receives is a license to use them personally, which cannot be transferred and cannot be exploited commercially.

20. Personal Data

20.1. Processing is described in the Privacy Policy published on the Site, which is the reference document on this subject and applies the GDPR and PDPL.

20.2. CiaoSub maintains security measures appropriate to the risk and retains the Subscriber's documents only for the duration of the subscription. Questions about this section go to [email protected].

21. Cancellation by CiaoSub

Fraud, non-payment, misuse, violation of law, or violation of these terms gives CiaoSub the right to suspend or close the Account. The current period is not refunded.

22. Applicable law and forum

Maltese law governs these terms. Malta courts have exclusive jurisdiction over any dispute arising from these terms, except for any mandatory rule a consumer may invoke.