Emma vs Subs HQ

Meet Emma, your financial super app ● All your accounts in one place ● Find and track your subscriptions ● Set budgets ● Weekly reports ● Analyze your spending & expenses ● Daily balance notifications ● Overdraft alerts BANK LEVEL SECURITY Worried about sharing your data? We hear you. ● Emma uses SSL 256-bit encryption - the same security protocol that banks use - to ensure that your sensitive, personal information is fully encrypted and securely stored. ● Emma uses biometric security authentication for an added level of protection. CUSTOMER REVIEWS “This app is amazing! I used to manually track my expenses using a notepad or a spreadsheet but always used to make mistakes and never found time to update it. This fixes all my budgeting issues and saves me so much time as well as money!” Sarah “I love the fact that I can do everything within this one app. I mainly use it for tracking my expenses but have also started using it to instantly send/receive payments which makes things super easy. Also, the money I’ve saved from using this app is used to invest in my favorite companies using the investment feature!” Mike OUR MISSION We believe everyone deserves a financial advocate to help with money management and budgeting. Someone who watches our back no matter who we are and where we come from. We provide a great experience, which relies on a basic principle - caring about our customers’ financial well being. This is who we are and what we stand for. We have received amazing feedback from the finance community and have been featured in Forbes, Financial Times, Politico, The Sunday Times and CITY A.M. MORE FEATURES? GO PLUS, PRO OR ULTIMATE We have 3 subscription upgrades available in Emma to power charge your finances. Here’s what is available in each subscription upgrade: Emma Plus True Balance - preemptively see the balance of your bank account after your subscriptions are removed Fraud Detection - find out whether your personal details have been part of a known data breach Bill Reminders - get reminded about your upcoming bills so you never miss a payment Cashback - get cashback from your favorite brands Emma Pro All the features in Emma Plus Custom categories - so you can customize your finances to your heart's content Rename transactions - for easier reference Export data - to understand your finances on excel Create Offline Accounts - to manage your cash expenses and any accounts you can’t link to Emma Create Smart Rules - to automate your Offline Accounts. Look, no hands! Split your transactions - into multiple categories for more flexibility Legendary Pro Icon - because you are a Pro Emma Ultimate All the features in Emma Plus & Pro Spaces - group together different accounts to see separated analytics and budgets Ultimate Icon - so you can show them who's boss ----------------------------------- If you choose to purchase Emma Plus, Emma Pro or Emma Ultimate, payment will be charged to your iTunes account, and your account will be charged for renewal within 24-hours prior to the end of the current period. Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. Subscriptions are managed by the user and auto-renewal may be turned off by going to the user's Apple ID. Emma subscription prices start at $4.99 CAD/USD/month with 1-month and 12-month packages available. Prices are subject to change without notice. No cancellation of the current subscription is allowed during the active subscription period. If you don’t choose to purchase Emma Plus, Emma or Emma Ultimate, you can simply continue using Emma for free. Emma Technologies LTD is registered with the Financial Conduct Authority under the Payment Services Regulations 2017 for the provision of payment services. Reference no. 794952 Company Registration Number: 10578464. Terms and Conditions: https://emma-app.com/terms Privacy Policy: https://emma-app.com/privacy

Know what you pay. Decide what to keep. Get a clear route out of the rest. Subs HQ is a private subscription tracker built to turn recurring spending into practical decisions. Add the services you pay for and see the true monthly and yearly cost, what is due next, and where the biggest savings are. FIND A PLAN TO SAVE Answer a quick set of questions about what you actually use. Subs HQ gives you a light, balanced or deeper savings option, priced per month and per year. Choose one and work through a simple checklist at your own pace. KNOW HOW TO CANCEL For supported services, open a step-by-step cancellation guide with notice periods, common retention tactics and useful warnings. If Apple or Google bills you, Subs HQ points you to the correct route so you do not cancel in the wrong place. SEE THE REAL COST • Monthly and annual totals at a glance • Upcoming renewals and trial reminders • A visual cost map of your biggest subscriptions • Clear monthly and yearly savings for every suggested change • Cancelled subscriptions kept in your history, outside current totals PRIVATE BY DESIGN • No email address and no account • No bank connection • No advertising or tracking • Subscription names, prices, notes and spending stay on your device. • On-device reminders • Exportable backup, controlled by you SIMPLE, HONEST PRICING Track up to 7 active subscriptions free. A single optional purchase unlocks unlimited subscription tracking forever. It is not another subscription. Subs HQ does not cancel services automatically or act on your behalf. Cancellation guides help you complete the process with the service or billing provider. Availability and steps vary by service and region; always check the final confirmation from the provider.