Terms of Service

Last updated: August 12, 2026

By creating an account or accessing SubCada, you agree to be bound by these Terms of Service.

Important Compliance Disclaimer: Always verify your specific insurance and contractual requirements with your insurance professional or legal advisor. SubCada provides software tools to assist in document collection, storage, and automated notification reminders. The software does not provide legal, insurance underwriting, or regulatory compliance advice.

1. Account Registration & Organization Security

You must provide accurate, complete information when creating your account. You are responsible for safeguarding your login credentials and for all activities that occur under your organization account.

2. Subscriptions, Pricing & Merchant of Record

Paid subscription plans are billed on a recurring monthly basis in United States Dollars (USD) as displayed on our pricing page. Polar handles subscription payments as our Merchant of Record, including applicable tax collection and payment receipts. Contact SubCada support for product assistance and refund requests.

Plan limits regarding active trade subcontractor counts (e.g. up to 25 subcontractors for Starter, up to 100 for Professional) are enforced as described on our pricing page.

3. Cancellation & Refund Policy

14-Day Free Trial: All new accounts receive a full 14-day free trial with complete feature access. You will not be charged during your 14-day free trial. You may cancel at any time during the trial with zero cost.

Cancellation: You can cancel your subscription at any time directly through your account dashboard by navigating to Settings > Billing, or through the Polar customer billing portal link provided in your invoice emails. When you cancel, your subscription will remain active until the end of your current paid billing period, and no further recurring charges will be billed.

Refund Policy: Because SubCada offers a 14-day free trial allowing full evaluation of our platform before any payment is processed, subscription fees are generally non-refundable once billed. However, if you were charged in error, experienced persistent technical issues preventing service use, or have statutory refund rights under applicable consumer protection laws, please contact our support team at support@subcada.com or reach out to Polar support within 14 days of the charge. We review refund requests in good faith and aim to resolve them promptly.

4. Document Storage & Subcontractor Content

You retain all ownership rights to the documents, certificates of insurance, endorsements, licenses, and vendor information you and your subcontractors upload to the service. You represent that you have the necessary authorizations to collect and store your subcontractors' certificates and contact information.

5. Limitation of Liability

To the maximum extent permitted by law, SubCada shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits or jobsite claims arising out of the use of our notification and document management platform.

6. Customer Support & Inquiries

If you have any questions regarding these Terms of Service, billing, or subscription management, please contact our support team at support@subcada.com.