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Cancel FINELO
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I hereby notify you of my decision to terminate the contract relating to the Finelo service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
How to Cancel Finelo: Complete Guide
What is Finelo
Finelo is a subscription-based educational service that offers guided learning and simulated trading tools aimed at retail investors and people learning about markets. The service markets short-term digital membership plans that grant access to lessons, analysis tools and simulated trading environments rather than a brokerage platform.
According to the provider’s support material, Finelo offers recurring subscription cycles based on short-term periods, most notably a 4-week plan and a 12-week plan, each of which automatically renews at the end of the billing period. This billing cadence is central to how charges appear on statements and how renewal disputes arise.
User reviews and feedback indicate the product positioning is educational rather than transactional, and that the ongoing access model is what drives repeat charges when a subscription remains active. Trustpilot and community discussions capture a mix of satisfied learners and frustrated subscribers focused largely on billing and cancellation experience.
Subscription plans and pricing at a glance
| Plan | Billing cycle | Price (AUD) | Renewal behavior |
|---|---|---|---|
| 4-week plan | Every 4 weeks | Varies | Automatic renewal at end of each 4-week period |
| 12-week plan | Every 12 weeks | Varies | Automatic renewal at end of each 12-week period |
The provider’s public guidance states that subscriptions start on first payment and automatically renew at the completion of the plan period. Pricing details visible to users may vary by promotion, region or billing route.
Customer experiences with cancellation
What users report
Public reviews show a pattern of billing-related complaints alongside positive comments about the learning content. Several users report unexpected renewals after trial periods and continuing charges after they believed they had stopped using the product.
Some reviewers describe slow or unhelpful responses when they sought refunds for renewed periods. Other reviews are positive about content quality but note that access ends when a subscription stops, which makes timing of cancellations important.
Recurring issues and practical takeaways
Reports repeatedly point to three practical issues: unclear trial-to-subscription disclosure, renewal timing that surprises users, and friction when attempting to resolve billing disputes. These are consistent with common subscription complaints across digital services.
Practical takeaways from user reports: track initial billing dates closely, check the description of any trial period and renew cycle, and keep records of the product access you actually used during any billed period. These steps strengthen your position if you later seek a remedy.
How cancellations typically affect billing and refunds for Finelo
Because Finelo uses short-term recurring plans, cancellations affect the next renewal rather than past charges in most stated policies. This means a cancellation usually prevents future debits but does not automatically void charges already processed for the active billing period.
Proration and refunds depend on whether the provider treats the subscription as a service supplied over time or a single prepaid access. For a service supplied over a period, a refund for unused time may be available if consumer guarantees or the provider’s own policy allow it; otherwise, charges already processed are often final.
Cooling-off rights for change-of-mind are limited under local consumer law. The right to a refund is strongest where the service has a major fault or was misrepresented. If the subscription was clear, courts and regulators typically treat change-of-mind refunds as discretionary unless the provider’s policy offers them.
Documentation checklist
- Proof of purchase: retain the payment receipt or card statement entry showing the initial charge.
- Billing timeline: note the date you first paid, the trial end (if any), and subsequent renewal dates.
- Usage records: keep screenshots or logs showing whether and how the service was used during a billed period.
- Provider terms: save the version of terms and conditions or purchase confirmation displayed at signup.
- Communication notes: list dates you contacted support and the substance of any replies.
Common pitfalls and how to avoid them
- Hidden renewal windows: not checking the exact renewal cadence before a trial ends can result in unexpected charges. Verify the stated renewal period and mark it on your calendar.
- Assuming uninstall cancels access: removing software or deleting an app may not stop recurring billing; treat billing as separate from installed files or app presence.
- Relying on short-term memory: if you can’t show when you reviewed terms or when you received access, it weakens a dispute; keep contemporaneous notes.
- Missing statute-based remedies: assuming “no refunds” bars statutory remedies can be wrong; consumer guarantees may still apply for faulty or misdescribed services.
How disputes, chargebacks and escalation typically work
If you believe a charge is unauthorised or inconsistent with what was promised, your first step is to gather the documentation in the checklist above and then raise a formal dispute with the payment provider or card issuer if internal resolution fails.
Disputes may be resolved by reversal of the charge, a negotiated refund, or a finding in the provider’s favour. Keep records of all steps because regulators or payment networks will ask for evidence.
If escalation is needed, consumers can bring a complaint to the relevant regulator. Where consumer guarantees are potentially breached, regulators expect businesses to be transparent about renewals and to act fairly when a product fails to meet its description.
Table: plan features and common billing outcomes
| Feature | 4-week plan | 12-week plan |
|---|---|---|
| Renewal frequency | Every 4 weeks | Every 12 weeks |
| Proration on mid-period end | Varies by provider policy | Varies by provider policy |
| Typical refund stance | Charges already processed often final | Charges already processed often final |
| Common user outcome | Unexpected short-cycle renewals reported | Longer coverage but similar renewal complaints |
Short note on consumer rights that matter for Finelo
Australian consumer law gives buyers guarantees that apply to digital subscriptions. If Finelo’s service is faulty, misdescribed or not delivered with due care and skill, a consumer may be entitled to a remedy such as a repair, replacement or refund for the unused portion.
Automatic renewal practices must be clearly disclosed and not misleading. If the provider’s renewal disclosures were hidden or inaccurate, regulators consider that conduct seriously. These legal principles are relevant when assessing whether a disputed charge should be refunded.
Address
- Address: Finelo Limited Georgiou A, 83, Shop 17, Potamos Germasogeias Limassol, Limassol 4047 Cyprus
What to do after cancelling Finelo
Monitor your bank and card statements for at least two billing cycles to confirm no further debits appear. Keep a chronological file of all related documents and dates.
If you see an unexpected renewal after cancellation, use your documentation to raise a dispute with your payment provider and to request a formal review with the provider, citing the relevant consumer guarantees if appropriate. If you are not satisfied with the outcome, file a complaint with consumer protection authorities and provide the evidence you collected.
Consider checking alternative educational services and look for providers that publish clear renewal reminders and pro-rata refund rules. This reduces the practical risk of surprise renewals in future.
Finally, stay factual and organised: detailed evidence and precise timelines materially improve the chance of a successful dispute or regulator intervention.