Treated articles, and the preservative exemption
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Almost every water-based cleaner contains a preservative, which is an antimicrobial substance, and that does not make the product a pesticide.
A preservative is not a claim
A preservative protects the product in the bottle from microbial spoilage. That is a function of the formulation, not a benefit offered to the user.
A water-based cleaner without one grows things, which is a real failure with its own page in this property.
So the preservative is necessary, and it is not the thing that makes a product a pesticide.
The treated articles exemption
EPA's treated articles and substances exemption covers products treated with a registered pesticide to protect the article itself, provided the claims are limited to protecting the article.
The conditions matter: the pesticide used must itself be registered for that use, and the claims must not extend beyond protection of the treated article.
That last condition is the whole of it. Protecting the bottle's contents is inside the exemption. Telling the customer the product will protect them is outside it.
Where makers get it wrong
By promoting the preservative as a benefit. "Contains an antibacterial agent" reads as a claim about what the product does for the user, not about what keeps it stable.
By naming a known biocide prominently on the front of the label.
By describing a surface as "protected" after use, which is a residual antimicrobial claim and a demanding one to support.
And by reasoning from the ingredient: "there is a biocide in it, so I can say it kills germs." The formulation has not been tested and the product is not registered, so the claim is unsupported as well as unregistered.
What you may say
Name the preservative in the ingredient list, where it belongs.
Describe it, if asked, as what it is: a preservative that keeps the product stable in the bottle.
And keep it off the front panel and out of the marketing, because the moment it appears as a benefit it has stopped being a preservative and started being a claim.