Terms of Service
Effective date: 2026-09-09
These terms apply when you use Whatspaying at strategyisland.shop. Whatspaying is a service of STRATEGY ISLAND LTD. Statutory company disclosures are on the legal information page.
The service
Whatspaying produces a checklist. From a short description of your own setup — devices, household, whether you have moved, and similar — it returns a list of the kinds of place a recurring payment can sit in, what tends to hide in each, roughly what shape such a payment takes when it appears on a statement, and where you would go to stop one once you have found it.
What the service is not
- It is not a bank and not a payment service.
- It does not connect to any bank or payment account and holds no account aggregation, open banking or statement parsing capability. Those routes do not exist in the product; they have not been switched off.
- It accepts no file, document or screenshot upload of any kind.
- It processes no amount, transaction, balance or card number. There is no field anywhere on the site that takes one.
- It is not financial advice, debt advice, credit counselling, credit monitoring, credit repair, debt settlement or budgeting software, and it is not a regulated financial service.
- It names no merchant, platform, bank or payment processor and maintains no table matching any company to how it appears on a statement.
- It cancels nothing on your behalf, asks for and stores no account credentials for any other service, and logs into nothing for you.
The full position is set out in the AI notice, which forms part of these terms.
Your account
- You must be 13 or older. If you are 13 to 17 you need a parent or guardian’s consent.
- You are responsible for keeping your sign-in details to yourself.
- One account per person. Accounts are not for sharing or resale.
Acceptable use
The acceptable use policy forms part of these terms.
Plans, allowances and credits
- There is a permanently free plan. It is not a trial and it does not become a paid plan on its own.
- Paid plans renew automatically at the end of each period until you cancel.
- A monthly allowance resets each period and does not roll over.
Credits are units of service usage. They are not money, not stored value, not redeemable for cash, and not transferable. A monthly allowance resets each period and does not roll over. There are no credit packs and nothing can be topped up — if an allowance runs out, the only route is a higher plan or the following month.
Prices include VAT at 20%. Prices are in US dollars.
Payment and renewal
Before you first pay anything you are shown a separate screen setting out the amount, the billing period, the date of the next payment and how to cancel. By subscribing you authorise the payments described on that screen to recur until you cancel.
Ahead of each renewal we send a separate email — not mixed into any marketing message — restating what the subscription is, what it costs, when the payment falls due and how to stop it. On a yearly plan that email comes once a year.
Cancellation, cooling off and refunds
Cancelling takes one action in your billing settings, without contacting anybody, and is at least as easy as subscribing was. The full position — including the statutory 14-day right to cancel, the further 14 days after every renewal, and the statutory cancellation form — is on the cancellation and refunds page, which forms part of these terms.
Promotions
There are none. This site runs no discounts, no introductory rates, no referral schemes, no countdowns and no scarcity claims. Nothing here is a reduced-price trial and nothing converts from free to paid without you choosing it. If that ever changes, the terms of any promotion will be published here before it begins.
Intellectual property
- We own the service, the branding and the underlying technology.
- You own what you write into it.
- You own the lists it produces for you, subject to the acceptable use policy. You may print them, keep them and share them.
What you write is not used to train any model. See the privacy policy.
Accuracy and reliance
The list is a set of places worth checking. It is not a statement of fact about you and cannot be, because the service does not know what you pay, who you pay it to or how much. Some compartments will be empty. Others may hold something the list did not think to mention.
You should not rely on the list as though it were complete or authoritative, and you should not use it as a substitute for professional advice where professional advice is what a situation calls for. This does not limit any right the law gives you.
Your statutory rights
Under Chapter 3 of Part 1 of the Consumer Rights Act 2015, digital content supplied to a consumer must be of satisfactory quality (section 34), fit for any particular purpose you made known to us (section 35), and as described (section 36). If it is not, you have the right to a repair or replacement, and after that to a price reduction (section 40).
Section 47 provides that those rights cannot be excluded or restricted by a contract term. No term in these terms attempts to do so, and any term that had that effect would not apply.
Limitation of liability
Nothing here limits liability for death or personal injury caused by negligence, for fraud, or for anything else that the law does not permit to be limited — including the statutory rights described above.
Subject to that, we are not liable for loss that was not reasonably foreseeable at the time you began using the service, and our total liability in connection with the service is limited to the amount you paid us in the twelve months before the claim arose.
Ending it
You may cancel at any time from your billing settings. We may suspend or close an account that breaches the acceptable use policy, and where we do we will say why and what can be done about it.
Changes to these terms
We will tell registered users about any material change at least 14 days before it takes effect, and you may cancel before it does.
Governing law
Governing law These terms are governed by the law of Scotland. You and we agree to the non-exclusive jurisdiction of the Scottish courts. Nothing in this clause removes any right you have to bring proceedings in the country where you live.
Nothing in that clause affects your right to rely on the mandatory consumer-protection rules of the country you live in.
Time limits for court action
Time limits Under the Prescription and Limitation (Scotland) Act 1973, a claim arising from these terms must generally be brought within five years. In England and Wales the equivalent period is six years. This is the period in which you can bring a claim. It is not a warranty period, and it is not a limit on how long we are responsible for the service.
If something goes wrong
Please write to support@strategyisland.shop first. Most things are settled that way, and we would rather settle it than argue about it.
Court
If you live in Scotland and your claim is for £5,000 or less, you may be able to use Simple Procedure in the Sheriff Court. It is designed to be used without a solicitor.
We are not a member of any alternative dispute resolution scheme, and there is no requirement in the United Kingdom that we join one. You can go to court whether or not you have contacted us first.
Consumer help
If you live in Scotland, free advice is available from Advice Direct Scotland at consumeradvice.scot, funded by the Scottish Government. That service is available to Scottish residents only.
If you live outside Scotland, contact the consumer advice body in your own country. Wherever you live, the mandatory consumer-protection rules of your country of residence continue to apply to you.
Consumer Scotland is the statutory consumer body for Scotland. Enforcement of consumer law in Scotland is carried out by Trading Standards Scotland alongside local trading standards services. The Competition and Markets Authority operates across the United Kingdom.