Terms of Service

1 Acceptance of Terms

By accessing or using Substacker ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

2 Description of Service

Substacker is an AI cost intelligence platform that:

• Analyzes AI API usage data you provide
• Generates cost breakdowns by team, provider, and model
• Identifies optimization opportunities and waste patterns
• Provides budget tracking and forecasting tools

3 User Accounts

3.1 Registration

You may need to create an account to access certain features. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

3.2 Account Termination

We may suspend or terminate your account if you violate these Terms or engage in harmful conduct.

4 User Responsibilities

You agree to:

• Provide accurate data for analysis
• Not upload malicious files or content
• Not attempt to reverse engineer, hack, or disrupt the Service
• Not use the Service for any illegal purpose
• Not exceed rate limits or abuse the API
• Comply with all applicable laws and regulations

5 Payment Terms

5.1 Pricing

Current pricing tiers are displayed on our website. Prices may change with 30 days notice.

5.2 Billing

• Paid plans are billed monthly or annually in advance
• Payments are processed securely through Stripe
• All fees are non-refundable unless otherwise stated

5.3 Refund Policy

5.4 Cancellation

You may cancel your subscription at any time. Access continues until the end of your current billing period.

6 Intellectual Property

6.1 Our Property

The Service, including its code, design, algorithms, and documentation, is owned by Substacker and protected by intellectual property laws.

6.2 Your Data

You retain all rights to the data you upload. By uploading data, you grant us a limited license to process it for providing the Service.

6.3 Feedback

Any feedback or suggestions you provide may be used by us without obligation to you.

7 Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

8 Disclaimers

8.1 "As Is" Service

8.2 Accuracy

Cost calculations and recommendations are estimates based on publicly available pricing data. We do not guarantee their accuracy. Always verify with your AI providers.

8.3 Availability

We strive for high availability but do not guarantee uninterrupted access to the Service.

9 Limitation of Liability

10 Indemnification

You agree to indemnify and hold harmless Substacker and its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights

11 Third-Party Services

The Service may integrate with third-party services (OpenAI, Anthropic, Google, etc.). Your use of those services is governed by their respective terms.

12 Changes to Terms

We may modify these Terms at any time. Material changes will be communicated via email or in-app notification at least 30 days in advance. Continued use after changes constitutes acceptance.

13 Governing Law

These Terms are governed by the laws of [Your Jurisdiction], without regard to conflict of law principles.

14 Dispute Resolution

Any disputes shall be resolved through:

1. Good faith negotiation (30 days)
2. Mediation (if negotiation fails)
3. Binding arbitration (as a last resort)

Class action waiver: You agree to resolve disputes individually, not as part of a class action.

15 Contact