Terms of Service

Section 01About these terms and who we are

These Terms of Service (the "Terms") are a legally binding agreement between you ("you", "your") and [CATCHER LEGAL ENTITY NAME] ("Catcher", "we", "us", "our"), a company registered in Ireland under company number [CRO NUMBER] with its registered office at [REGISTERED ADDRESS].

They govern your access to and use of the Catcher mobile application, the website at catcher.ie, and all related features and services (together, the "Service").

By creating an account, connecting a bank account, or otherwise using the Service, you confirm that you have read, understood and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, you must not use the Service.

Section 02Eligibility and your account

To use Catcher you must:

• Be at least 18 years old;
• Be a resident of Ireland or another country we support at the relevant time;
• Have the legal capacity to enter into a binding contract; and
• Be the genuine holder of, or be authorised to access, any bank account you connect to the Service.

You are responsible for keeping your login credentials secure and for all activity that takes place under your account. You must notify us immediately at security@catcher.ie if you suspect any unauthorised use of your account. You may not transfer your account to anyone else.

You must provide accurate, current and complete information when you register, and keep it up to date.

Section 03What Catcher is — and is not

Catcher is a consumer advocacy and information tool. It analyses your bank transaction data to identify potential overcharges — such as insurance loyalty penalties, duplicate charges, price increases, unused subscriptions you may wish to review, free-trial conversions and hidden financing costs — and helps you generate correspondence to challenge them.

The information, suggestions, legal references and draft letters provided by Catcher are general in nature, generated with the assistance of automated tools, and may not be accurate or suitable for your particular situation. You are responsible for reviewing everything before you act on it.

Section 04How the Service works

In summary, the Service operates as follows:

1. You connect a bank account through our regulated Open Banking provider (see Section 5).
2. Catcher analyses your transactions to detect potential overcharges and other findings.
3. We present findings to you, each with an estimated amount and a suggested action. Estimates are not guarantees.
4. You choose what to act on. Where you decide to challenge a charge, Catcher generates a draft complaint or negotiation letter for your review.
5. You review, edit and approve each letter, then send it or instruct us to make it available for sending.
6. You track the outcome in the app. Where a refund is paid into your connected bank account and we can verify it, we record it as a confirmed saving.

We do not act as your agent or representative in any dispute with a merchant, bank or other organisation. Any correspondence is sent in your own name, on your own behalf.

Section 05Connecting your bank (Open Banking)

To analyse your transactions, you connect one or more bank accounts using TrueLayer, a regulated Account Information Service Provider (AISP). When you connect an account:

• You authenticate directly with your bank. Catcher never sees or stores your online banking password, PIN or security credentials.
• You grant read-only access to the accounts you select. Catcher cannot move money, make payments or change your banking details.
• Your consent is governed by TrueLayer's own terms and privacy policy in addition to ours. By connecting an account you also agree to TrueLayer's Terms of Service and TrueLayer's Privacy Policy.
• Under PSD2, your consent lasts up to 180 days and must then be renewed. You can withdraw it at any time from within the app, via TrueLayer, or directly with your bank.

You confirm that you are entitled to connect each account you add and to share its data with us for the purposes described in these Terms and our Privacy Policy.

Section 06Letters and your authorisation

Catcher generates draft complaint and negotiation letters using automated tools, including artificial intelligence. These drafts cite consumer-protection principles and reference relevant regulators, but:

• They are drafts for your consideration, not legal documents prepared by a lawyer;
• You are solely responsible for reviewing each letter for accuracy and suitability before it is used;
• You decide whether, when and how to send each letter, and to whom; and
• You are responsible for the content of any letter you send, including any factual claims it contains.

We do not warrant that any letter will achieve a refund, a particular outcome, or any response at all. Sending a complaint does not guarantee that it is well-founded or that the recipient will agree with it.

Section 07Fees, success fees and subscriptions

Free tier and success fees

Catcher is free to download and use to discover findings. We charge a success fee only when you actually recover money as a result of using the Service, calculated as a percentage of the verified refund credited to your connected bank account:

A "verified refund" means a refund, credit, goodwill payment or saving that we are able to identify and confirm in the transaction data of a connected bank account, and that is reasonably attributable to a claim you pursued using the Service. We do not charge a success fee on amounts we cannot verify, or on findings you do not act on.

Success fees are collected through our payment processor, Stripe, using a payment method you provide. You authorise us to charge the applicable success fee when a verified refund is recorded. Because success fees relate to a real-world service delivered and consumed outside the app, they are processed outside the Apple App Store and Google Play in-app purchasing systems, in accordance with applicable platform rules.

Catcher Pro subscription

Catcher Pro is an optional paid subscription that reduces your success fee and unlocks additional features, for €7.99 per month or €69.99 per year (or such price as we display at the time of purchase, inclusive of VAT where applicable).

• Where you purchase Pro through the Apple App Store or Google Play, the subscription is billed through that platform's in-app purchase system and is subject to that platform's terms. The platform — not Catcher — manages billing, renewals and refunds for such purchases.
• Subscriptions renew automatically at the end of each billing period unless cancelled beforehand. You can manage or cancel your subscription in your platform account settings (App Store or Google Play) or, where applicable, in the app.
• We will tell you what Pro includes before you subscribe.

Changes to fees

We may change our fees from time to time. We will give you reasonable advance notice of any change, and changes will not apply retroactively to refunds already verified. If you do not agree to a change, you may stop using the Service and, where relevant, cancel your subscription.

Section 08App Store and platform terms

If you download the App from the Apple App Store, the following additional terms apply, and you acknowledge that:

• These Terms are between you and Catcher only, not with Apple. Apple is not responsible for the App or its content.
• Apple has no obligation to provide any maintenance or support for the App.
• To the maximum extent permitted by law, Apple has no warranty obligation with respect to the App, and any claims relating to failure to conform to a warranty are our responsibility, not Apple's.
• Apple is not responsible for addressing any claims by you or a third party relating to the App, including product liability, regulatory, or intellectual-property claims.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
• You confirm you are not located in a country subject to a US Government embargo and are not on any US Government restricted-parties list.

If you download the App from Google Play, your use is also subject to the Google Play Terms of Service. Where a platform's rules conflict with these Terms in respect of purchases made through that platform, the platform's rules prevail for those purchases.

Section 09Your responsibilities

When using Catcher, you agree that you will:

• Provide accurate information and only connect accounts you are entitled to access;
• Review every finding and every letter before acting on it;
• Make your own decisions about whether to pursue a claim, and take your own advice where appropriate;
• Deal honestly with any merchant, bank or organisation you contact, and not make false or misleading statements;
• Keep your device and login credentials secure; and
• Comply with all laws that apply to your use of the Service.

Section 10Acceptable use

You must not:

• Use the Service for any unlawful, fraudulent or deceptive purpose, including submitting complaints you know to be false;
• Connect a bank account you are not authorised to access;
• Attempt to gain unauthorised access to the Service, other users' data, or our systems;
• Reverse-engineer, decompile, scrape, or copy any part of the Service except as permitted by law;
• Interfere with or disrupt the Service, or introduce malware or harmful code;
• Resell, sublicense or commercially exploit the Service without our written permission; or
• Use the Service in a way that could damage, disable or impair it, or that breaches these Terms.

We may investigate and take action — including suspending or terminating your account — if we reasonably believe you have breached this section.

Section 11Intellectual property

The Service, including its software, design, text, graphics, logos and the "Catcher" name and branding, is owned by us or our licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your own personal, non-commercial purposes, in accordance with these Terms.

The letters and other content Catcher generates for you are yours to use for the purpose of pursuing your own claims. You grant us a licence to process the data you provide and the content we generate for you, only as needed to provide and improve the Service and as described in our Privacy Policy.

If you send us feedback or suggestions, we may use them without any obligation to you.

Section 12Third-party services

The Service relies on third-party providers, including TrueLayer (Open Banking), Stripe (payments), Anthropic (AI processing) and others described in our Privacy Policy. Your use of those services may be subject to their own terms. We are not responsible for the acts, omissions, content or availability of third parties, and any dealings you have with a merchant or organisation you contact through Catcher are solely between you and them.

Section 13Disclaimers

Estimated amounts shown in the app are indicative only and are not a promise of any sum you will recover. Actual outcomes depend on the merchant, the facts of your case, and matters outside our control.

Section 14Limitation of liability

Nothing in these Terms excludes or limits our liability where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot be excluded or limited under Irish or EU law — including your mandatory rights as a consumer.

Subject to the paragraph above, and to the fullest extent permitted by law:

• We will not be liable for any loss that was not reasonably foreseeable, for loss of profits, revenue, or anticipated savings, or for any indirect or consequential loss;
• We will not be liable for any decision you make, or action you take, based on a finding, estimate or letter provided by the Service;
• We will not be liable for the acts or omissions of any merchant, bank, or third-party provider; and
• Our total aggregate liability to you arising out of or in connection with the Service in any 12-month period will not exceed the greater of (a) the total fees you paid us in that period, or (b) €100.

This section will survive termination of these Terms.

Section 15Indemnity

You agree to indemnify and hold us harmless from any claims, losses, liabilities and reasonable costs arising from: (a) your breach of these Terms; (b) your misuse of the Service; (c) any false, misleading or unlawful statement you make in correspondence generated through the Service; or (d) your infringement of any third-party right. This does not apply to the extent a claim arises from our own breach, negligence or wrongdoing, and it does not affect your statutory consumer rights.

Section 16Suspension and termination

You may stop using the Service and close your account at any time, using the in-app account-deletion function or by contacting us. Closing your account does not cancel a Pro subscription purchased through an app store — you must cancel that through the relevant platform.

We may suspend or terminate your access to the Service, with or without notice, if: (a) you breach these Terms; (b) we are required to do so by law or by a regulator; (c) we reasonably suspect fraud or misuse; or (d) we cease to offer the Service. Where reasonable and lawful, we will give you notice.

On termination, your right to use the Service ends. Sections that by their nature should survive — including Sections 7 (in respect of fees already due), 11, 13, 14, 15, 20 and 21 — will continue to apply. We will handle your data after termination as described in our Privacy Policy.

Section 17Changes to the Service and these terms

We may update the Service and these Terms from time to time — for example, to reflect new features, legal or regulatory changes, or improvements. If we make a material change to these Terms, we will give you reasonable notice (for example, in the app or by email) before it takes effect.

If you continue to use the Service after a change takes effect, you accept the updated Terms. If you do not agree, you should stop using the Service and may close your account.

Section 18Your consumer rights

If you are a consumer, you have legal rights that these Terms do not affect, including under the European Union (Consumer Information, Cancellation and Other Rights) Regulations 2013 and the Consumer Rights Act 2022 (Ireland).

Because the Service is supplied digitally, you may have a right to cancel within 14 days of entering into the contract. However, by connecting a bank account and asking us to begin analysing your data immediately, you request that we start performing the Service during the cancellation period, and you acknowledge that you may lose the right to cancel once the Service has been fully performed. This does not affect any other statutory right you have.

You can find independent information about your consumer rights from the Competition and Consumer Protection Commission (CCPC) at ccpc.ie.

Section 19Complaints

If you are unhappy with the Service, please contact us at support@catcher.ie and we will do our best to put things right. If we cannot resolve your complaint, you may be able to use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr, or refer the matter to the CCPC. Complaints about how we handle your personal data can also be made to the Data Protection Commission, as set out in our Privacy Policy.

Section 20General

• Entire agreement. These Terms and our Privacy Policy are the entire agreement between you and us about the Service.
• Severability. If any part of these Terms is found to be unenforceable, the rest will continue to apply.
• No waiver. If we do not enforce a right, that is not a waiver of it.
• Assignment. You may not transfer your rights under these Terms. We may transfer ours to a successor (for example, on a sale of the business), provided your rights are not adversely affected.
• Third parties. Except for Apple where stated in Section 8, no one other than you and us has any right to enforce these Terms.
• Notices. We may give you notice through the app, by email, or on our website.

Section 21Governing law and jurisdiction

These Terms, and any dispute arising out of or in connection with them or the Service, are governed by the laws of Ireland. If you are a consumer, you benefit from any mandatory protections of the law of the country where you live, and you and we agree that the courts of Ireland will have non-exclusive jurisdiction — meaning you may also bring proceedings in the courts of your own country of residence where the law allows.

Section 22How to contact us

For any question about these Terms or the Service, please get in touch.