Terma is a subscription, contract, and warranty tracker that never asks for your bank login — everything stays on your device by default. Photograph a bill and it reads out the amount, dates, and notice period, citing the source text. It works out your country's real legal cancellation deadline (not just the renewal date) and can add it to your calendar, flags cheaper plans for things you already pay for, and writes cancellation letters for you. Free to start, on Android now.