Terms of Service

The operating rules of tocancel: what each function does, what it does not warrant, and the trial, subscription and cancellation terms that apply.

1. Defined terms

The terms below carry the meaning given here wherever they appear in this document, in the singular or the 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 runs detections, launches cancellations, downloads Proof Files and manages billing.
Detection: The automated identification of recurring charges attributable to a merchant or provider, derived from the information the Subscriber supplies or connects.
Optimisation Report: The ranked list of savings suggestions tocancel returns after a Detection, including cheaper tiers, duplicates and dormant plans.
Claim: A request for reimbursement, credit or unpaid sum that the Subscriber decides to pursue against a third party with the drafting and dispatch help of tocancel.
Letter: The termination or claim notice generated from a template, from the Subscriber's own text, or with assistance from the AI drafting agent.
Dispatch: The moment the Letter leaves tocancel for the recipient. Dispatch is electronic.
Proof File: The evidence bundle issued for a Dispatch: timestamp, document fingerprint, blockchain transaction reference, sender and recipient identity, and where applicable a delivery receipt.
Postal Operator: Any third-party carrier, domestic or international, involved in routing a Letter to its recipient.
Trial: The paid 48-hour access period at RM 4.19 incl. VAT that precedes the monthly subscription.
Site: https://www.tocancel.com and every page, endpoint and interface served from tocancel.com.

2. Who operates the Site

Publisher: Tocancel Limited (C 116018)
Registered office:
VAT number: MT3288-7409
Support: [email protected]
Billing: [email protected]
Site: https://www.tocancel.com

Hosting

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

3. Scope, languages and acceptance

3.1. This document governs every sale and every use of tocancel. Opening a page of the Site is acceptance of it in full.

3.2. Access is offered in 180 countries and the interface is issued in 40 languages. Where two language versions of these terms diverge, the wording of the English text is the one that governs.

3.3. tocancel may amend these terms at any moment. The version that binds an order is the one published when that order was placed.

A tariff change is announced one (1) month before it applies. A Subscriber who does not want the new tariff may terminate before the effective date.

4. Detection of recurring charges

4.1. tocancel scans the sources the Subscriber connects or the statements the Subscriber uploads, groups charges by merchant, and lists what appears to be an active subscription.

4.2. Detection reads incomplete data. tocancel does not warrant that every live subscription is found, that every item listed is still active, or that the amount and billing date shown match the merchant's records. The Subscriber verifies the list before acting on it.

5. Cost optimisation

5.1. An Optimisation Report ranks the charges by the saving tocancel estimates is available on each.

5.2. Estimates are indicative. Merchants change catalogues, regional pricing and eligibility rules without notice, so a saving shown in the Report may already be unavailable. No figure in a Report commits tocancel to the Subscriber paying less.

6. Assistance with money claims

6.1. Where a charge looks recoverable, tocancel drafts the demand, assembles the supporting Proof Files and sends the demand on the Subscriber's instruction.

6.2. The scope of this function is drafting and dispatch. tocancel is not the Subscriber's representative, does not litigate, and does not warrant that a sum will be recovered in whole, in part or at all.

6.3. Text produced by the AI drafting agent is a starting draft and not legal advice. Responsibility for what a Letter says rests with the Subscriber alone.

7. Cancellation and transmission

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

7.2. Transmission is electronic and only electronic. tocancel does not print, envelope, frank or deliver anything, and performs no postal registered mail service within the meaning of the postal and electronic communications codes.

7.3. Where a Postal Operator routes a Letter, delivery rests with that operator alone and any indemnity is limited to what the operator itself grants. Proof of posting and of receipt then comes from the partner operators, and the tracking data shown in the Account is authoritative between the parties.

7.4. The Letter reaches the recipient almost immediately. When it is opened, whether it is answered, and how fast the merchant then closes the subscription, sit outside tocancel's control and its warranty.

8. Proof issuance

8.1. Every Dispatch is accompanied by:

a cryptographic timestamp fixing the exact date and hour the Letter left tocancel;
a unique SHA-256 fingerprint of the document, which fixes its integrity;
the writing of that fingerprint to a public blockchain, so that any third party can verify it and no party can alter it;
a digital proof certificate assembling the timestamp, the fingerprint, the blockchain transaction identifier and the identity of sender and recipient;
on request, an electronic delivery receipt recording that the Letter was made available to the recipient.

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

A Proof File is issued by a qualified electronic registered delivery service under Regulation (EU) No 910/2014 (eIDAS). It is not postal registered mail. Before a court it carries the presumption of Article 43(2) of that Regulation as to the integrity of the data, the sending, the receipt and the date and time.

9. Validation locks the Letter

Validating a Letter is the final consent and starts production at once. Nothing can be edited or withdrawn afterwards. A wrong text, recipient or address is the Subscriber's error, as is any refusal or return it causes.

10. Indicative delivery windows

10.1. Seven (7) business days is the average observed for Letters addressed to France, Germany, Spain, Italy, Portugal, Belgium, Switzerland, Austria, Netherlands, Luxembourg, Ireland, United Kingdom, United States, Canada, Australia, Japan, South Korea, Singapore, Hong Kong, Malta, Qatar and Saudi Arabia, and more broadly across Europe, North America, the Middle East and Asia.

10.2. Elsewhere the window follows the local postal network and can run past fifteen (15) days.

10.3. Both figures are observations, not undertakings, and no contractual guarantee attaches to either.

11. Trial, subscription and termination by the Subscriber

11.1. Access opens with a 48-hour promotional Trial at RM 4.19 incl. VAT, which unlocks the whole of tocancel for that window.

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

"I accept the 48-hour promotional offer at RM 4.19 and authorize automatic debit of RM 228.34 per month at the end of 48hours, with no duration commitment and cancelable at any time."

At the close of the 48 hours the first monthly instalment of RM 228.34 incl. VAT is debited automatically.
The subscription then renews month by month at RM 228.34 incl. VAT, with no minimum term.
Terminating during the 48-hour Trial still leaves RM 4.19 incl. VAT payable; that is the floor.
Termination is done by the Subscriber from the Account, at any time.
It bites at the end of the billing period under way, and that period is owed in full.
Sums already debited are not returned, and neither are services already rendered, including document generation, printing, postage and transmission of a Letter.

12. Prices, tax and payment

12.1. Prices are set in euros. Any other currency shown on the Site is a conversion given for guidance.

12.2. A subscription buys access to the software services. Postage costs sit outside it.

12.3. Tax follows the Subscriber's location, covering local VAT, the EU One Stop Shop regime and the requirements of the Malta Data Protection Authority.

12.4. Card is the only accepted instrument, processed through Tocancel.com. Subscribing requires a standing authorisation for the recurring debit. Should a debit be refused or fail, tocancel may suspend access to the Account until it succeeds. Billing questions go to [email protected].

13. Waiver of the right of withdrawal

Consumers in the EU and EEA

13.1. Before any order is validated, the Subscriber states that performance is to begin the instant the subscription is validated, without awaiting the end of the fourteen (14) day statutory period set out in Article L.221-18 of the Consumer Code.

13.2. Ticking the dedicated box at checkout 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 printing, postage and AI document generation are carried out in full the moment a file is validated, no refund, partial or total, can be claimed once that validation has occurred.

Professionals

13.4. There is no right of withdrawal.

14. Account rules

An Account is required; nothing can be run without one.
Credentials are strictly personal and confidential, and the Subscriber keeps them so.
The Subscriber keeps the details held in the Account correct and current.
tocancel may suspend or close an Account where there is fraud, unpaid sums or breach of these terms.

15. Subscriber undertakings and prohibited content

15.1. The Subscriber warrants that the content of each Letter and each recipient address is accurate, and undertakes to observe the laws that apply to them, in particular those on personal data and on electronic communications.

15.2. The following may not be transmitted through tocancel:

content that is unlawful, defamatory, obscene, hateful or discriminatory;
documents that are forged, falsified or counterfeit;
unsolicited commercial messaging;
confidential or personal information belonging to a third party, sent without that party's authorisation;
any Letter that would breach an embargo or an international sanctions measure.

15.3. Breach of 15.2 suspends the Account immediately.

16. Screening

tocancel runs anti-fraud and compliance checks, including KYC and AML procedures. A Letter that is unlawful, fraudulent or contrary to international sanctions can be blocked or deleted, and no sum is returned when it is.

17. Availability of the Site

The Site is reachable at every hour of every day, save during maintenance, technical incidents and force majeure. tocancel may cut access temporarily without warning, and no compensation follows such an interruption.

18. Warranties and ceiling on liability

The services are furnished in the state they are in, without warranty of legal conformity, of exhaustiveness or of result.
The aggregate liability of tocancel cannot exceed the sums the Subscriber paid over the preceding twelve (12) months, with a floor of one hundred euros (EUR 100).
Indirect loss is excluded, in particular lost turnover, harm to reputation and loss of data.

19. Intellectual property

The Site, its databases, its editorial content, its logos and its letter templates are protected works. Reproducing, extracting or republishing any of them requires the prior written authorisation of tocancel. What the Subscriber receives is a licence 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 forms the reference document for this subject and applies the GDPR and the PDPL.

20.2. tocancel maintains security measures appropriate to the risk and keeps the Subscriber's documents only while the subscription lasts. Questions on this section go to [email protected].

21. Termination by tocancel

Fraud, non-payment, abusive use, a breach of law or a breach of these terms entitles tocancel to suspend or close the Account. The period in progress is not refunded.

22. Governing law and forum

Maltese law governs these terms. The courts of Malta have exclusive jurisdiction over any dispute arising from them, subject to any mandatory rule that a consumer may invoke.