Serviço de cancelamento N.º 1 em India
Senhora, Senhor,
Notifico através desta a minha decisão de pôr termo ao contrato relativo ao serviço Ubomi.
Esta notificação constitui uma vontade firme, clara e inequívoca de cancelar o contrato, com efeito na primeira data possível ou de acordo com o prazo contratual aplicável.
Solicito que tome todas as medidas úteis para:
– cessar toda a faturação a partir da data efetiva de cancelamento;
– confirmar-me por escrito a boa tomada em conta deste pedido;
– e, se for o caso, transmitir-me o extrato final ou a confirmação de saldo.
Este cancelamento é-lhe dirigido por correio eletrónico certificado. O envio, a datação e a integridade do conteúdo estão estabelecidos, o que faz dele um escrito comprovativo que responde às exigências da prova eletrónica. Dispõe portanto de todos os elementos necessários para proceder ao tratamento regular deste cancelamento, de acordo com os princípios aplicáveis em matéria de notificação escrita e de liberdade contratual.
De acordo com as regras relativas à proteção de dados pessoais, solicito também:
– que elimine todos os meus dados não necessários às suas obrigações legais ou contabilísticas;
– que encerre qualquer espaço pessoal associado;
– e que me confirme a eliminação efetiva dos dados segundo os direitos aplicáveis em matéria de proteção da vida privada.
Conservo uma cópia integral desta notificação assim como a prova de envio.
How to Cancel Ubomi: Step-by-Step Guide
What is Ubomi
Ubomi is a financial wellness platform run by MoMa Technologies Pty Ltd that bundles budgeting tools, discounts and short-term finance features into tiered memberships. The service offers core budget analytics for free and paid tiers that unlock additional features such as access to UCASH, UPAY and exclusive deals. The public site lists four membership tiers: Bronze, Silver, Gold and Platinum, with a mix of annual and recurring billing rhythms and published weekly/fortnightly equivalents for some plans.
From a financial perspective, Ubomi combines a subscription charge with optional lending and payment services; those two streams interact because membership fees are presented as covering ongoing access and loan-related costs. This billing structure matters when assessing total cost of borrowing or ongoing digital membership expense.
Customer experiences with cancellation
What users report
Public reviews and forum posts show a pattern where members describe difficulty stopping recurring charges and frustration about perceived lack of responsiveness. Several reviewers explicitly stated they were still being charged after notifying the service that they wanted to stop membership. Review entries reference ongoing fortnightly or weekly debits and dissatisfaction with the claimed value relative to fees.
Some members also reported an effective high cost when combining membership fees with small emergency advances, noting a high annualised cost if membership is paid weekly while loan repayment is outstanding. These comments help explain why many users decide to cancel: to reduce recurring outflows and avoid magnified effective interest when combined with short-term funding.
Recurring issues and practical takeaways
Several recurring issues in reports align with the service terms: automatic renewals, non-refundable language for subscription fees in the premium terms, and a requirement to provide written notice to terminate. Users should therefore expect automatic renewals and contractual wording that limits refunds except at the company’s discretion.
From a practical perspective, the combination of direct-debit arrangements and an active subscription can lead to continued debits unless contractual termination is completed and systems updated; dispute windows for debits are time-limited under standard direct-debit arrangements. These are the operational friction points seen in customer feedback.
How cancellations typically work for Ubomi subscriptions
The Terms of Use state that premium services auto-renew at the end of each subscription period and that subscription fees are typically non-refundable though Ubomi may refund unused portions at its discretion. This means that, from a contract perspective, membership will continue to bill until the contract is validly terminated and the automatic renewal is not allowed to run.
The Terms also require that termination be given as notice in writing. The direct-debit materials used by the service make a further distinction: cancelling a direct-debit authority does not by itself terminate the membership contract or remove the underlying payment obligation. In short: stop billing requires both contractual termination and a billing/invoicing update.
Notice periods and proration: Ubomi’s published material presents fixed subscription periods and renewal rules; the Terms reserve the right to treat subscription payments as final and non-refundable, while also noting potential discretionary refunds. Expect limited proration in standard cases and confirm whether a paid-for period remains accessible after termination.
Billing cycles, fees and sample pricing details for Ubomi
Ubomi’s membership pages list multiple cadence options (weekly, fortnightly, monthly, annual) and show representative weekly equivalents for paid tiers. The site also shows a Platinum fortnightly example of A$19.99 in some places. Use these published numbers when modelling ongoing cost.
| Plan | Published cadence / example | Published weekly equivalent (as shown) |
|---|---|---|
| Free | Free access tier | Free |
| Bronze | Billed annually (multiple cadence options noted) | A$1.52/week (billed annually as shown) |
| Silver | Billed annually (multiple cadence options noted) | A$6.71/week (billed annually as shown) |
| Gold | Billed annually (multiple cadence options noted) | A$9.59/week (billed annually as shown) |
| Platinum | Fortnightly example | A$19.99/fortnight (published example) |
Plan features comparison
| Feature | Bronze | Silver | Gold | Platinum |
|---|---|---|---|---|
| Core budgeting tools | Included | Included | Included | Included |
| Deals and discounts | Limited | Expanded | Expanded | Unlimited |
| UCASH / finance access | Restricted | Restricted | Available | Full access |
| Typical published cost indicator | A$1.52/wk | A$6.71/wk | A$9.59/wk | A$19.99/fortnight |
Cooling-off, refunds and legal constraints related to Ubomi
Terms indicate that payment of subscription fees is final and non-refundable to the extent permitted by law, but the company may refund unused periods at its discretion. That discretionary language is significant because consumer law may still provide statutory remedies in certain cases.
From a consumer-rights perspective, statutory protections under consumer law can intersect with contract terms where fees are unfair or misleading. If a fee structure effectively increases the cost of short-term credit, that interaction is relevant to any affordability or unfair-contract assessment. For disputes, documentation and exact dates are the strongest evidence.
Documentation checklist
- Membership records: keep the plan name and the date you joined, as shown in account records or transaction memos.
- Payment evidence: bank statements showing periodic A$ debits and the merchant descriptor.
- Terms snapshot: a dated copy or screenshot of the Terms of Use and membership pages that were live when you joined.
- Dispute notes: any written correspondence you generated and the dates you sought a cancellation or refund.
- Loan or UCASH records: repayment schedule and amounts if you used UCASH or related services while a member.
How to evaluate whether to cancel Ubomi
From a financial perspective, quantify the total monthly and annual cost of membership and combine that with any loan charges or missed savings to see the net impact on your cashflow. Compare the membership fee to concrete benefits used over the last 3 months to assess marginal value.
If the membership is a significant percentage of discretionary income, prioritise eliminating the recurring outflow. A practical metric: if membership plus any loan fees exceed A$30 - A$50 per week and yield limited measurable benefit, cancellation is often the efficient choice.
Disputes, chargebacks and escalation for Ubomi-related charges
If you believe debits are unauthorised or continued after you validly ended contractual obligations, there are two financial levers to consider: bank dispute processes and consumer-protection escalation. Direct-debit arrangements often include specific timelines for disputing debits and for the direct-debit provider to investigate.
In parallel, if a resolution with the merchant is not achieved, you can consider lodging a formal complaint with the relevant industry or consumer bodies that handle payment and fintech disputes. Keep in mind that many dispute mechanisms have time limits for lodging claims, so act promptly and keep evidence.
What to expect after cancelling Ubomi
Expect at least one billing cycle to be processed depending on timing and whether the termination takes effect before a scheduled charge. According to the Terms, membership access and billing may not prorate automatically, and refunds are at the company’s discretion.
Monitor bank statements for 60 - 90 days after notice to ensure recurring debits stop and be prepared to escalate with payment-provider dispute channels if debits continue. Document each debit date, amount and the merchant descriptor for clarity.
Next steps and resources
From a budget optimisation point of view, treat the membership as a recurring liability when reworking a cashflow plan. Reallocate the freed amount into an emergency buffer or lower-cost alternatives for budgeting and short-term liquidity.
If you need external help to resolve a billing dispute, consider consumer-protection or financial-ombudsman bodies that supervise payment services and fintech. Keep all documentation ready to accelerate any referral.
Address
- Address: 42, Sri Lakshmi Venkateswara Nilaya, Kithaganur Main Road, Bangalore Rural, Karnataka 560049, India
Key references used: Ubomi membership and pricing pages and Help Centre, Terms of Use (termination, auto-renewal, refund policy), direct-debit authority details and public review platforms summarising member experiences.