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Lunar is a financial app and subscription service offering personal and business banking-related features and digital services. It operates via direct subscriptions (including Stripe), in-app purchases through the Apple App Store and Google Play, and by other payment agreements such as direct debit arrangements. The provider’s published Terms of Use set the default rules for cancellations, refunds and delivery of digital benefits.
When you cancel a paid subscription, access to paid features typically continues until the end of the current paid billing period; the cancellation prevents the next automatic renewal but does not immediately revoke access for the time you paid. Lunar’s published terms state that cancellations take effect at the next renewal and that no prorated refunds are provided for the unused portion of a billing period.
If you request account closure beyond subscription cancellation, data-handling and deletion will follow Lunar’s privacy and account policies - contact support to request deletion or to learn retention periods. For precise details about data retention or account deletion steps, ask support or review the provider’s privacy information.
Lunar’s Terms of Use state that purchases are generally final and non-refundable, including unused periods or credits, except where required by applicable law. Refunds may be granted in limited circumstances - for example, if a technical failure prevented delivery of promised benefits; in such cases Lunar may choose to deliver the missing benefits or issue store credit at its discretion.
For purchases made through the Apple App Store or Google Play, refunds must normally be requested through those platforms’ refund processes; Lunar has limited ability to process refunds for store transactions. A related variant of Lunar’s terms (LunarLinc) notes that refunds are generally not issued but may be considered if requested within 14 days or as required by law.
| Plan | Price (CAD) |
|---|---|
| Free / Basic | Varies |
| Personal / Premium | Varies |
| Business | Varies |
No official Canadian-dollar (CAD) pricing was found in the provider’s public materials for 2024 - 2025; Lunar’s public plans are listed in Danish kroner (DKK) and no direct CAD equivalents are published. If you need exact CAD pricing for your account, contact Lunar support or check the billing screen in the app for charges shown in your payment currency.
Canadian consumer protection varies by province and by the type of purchase. There is no single federal automatic 14-day “cooling-off” right that universally applies to digital subscriptions - rights depend on the province and on whether the purchase was made remotely. Where provincial law requires cancellation or refund rights for certain distance or door-to-door sales, those rules may apply; Lunar’s own terms do not advertise a standard 14‑day cooling-off period (except a possible 14‑day exception noted in LunarLinc’s terms).
If you bought via Apple or Google, use their refund processes first. If you paid by credit card, your card issuer may offer dispute or chargeback options for unauthorised or materially misrepresented charges. If you believe the provider is failing to comply with applicable consumer law, contact your provincial consumer protection agency for guidance and to learn about next steps.
Public reviews show many users praise Lunar for being easy to use and intuitive, reporting a smooth buying and selling experience and a generally pleasant app experience. These positive comments are commonly highlighted in reviews on consumer platforms.
However, some users report negative experiences: a minority of reviews are one-star and reflect dissatisfaction with service or support in certain cases. The available review summaries indicate occasional negative experiences but do not detail a single recurring issue in the summary data; individual experiences vary.
Users often try to cancel from the Lunar app when the subscription was placed through the App Store or Google Play; those subscriptions must be cancelled in the store account settings, otherwise the store will continue billing. Another frequent mistake is expecting a prorated refund when cancelling mid-period; Lunar’s published terms state access continues to the end of that period and that refunds for unused time are not provided in general.
Other common issues include failing to keep records of cancellation attempts (no screenshots or confirmation), and not checking the payment method: subscriptions billed through a platform (Apple/Google) require platform refund/dispute channels, while direct debit mandates (PBS) require rejecting the scheduled debit during the specified window or cancelling the mandate through the app.
| Method | Refund | Difficulty |
|---|---|---|
| Website / Stripe / In-app direct subscription | Generally no; exceptions for technical failures or if required by law | Easy to cancel in app; refunds rarely granted |
| Apple App Store / Google Play | Use platform refund process; Lunar has limited control | Moderate - must use store subscription settings/refund request |
| Direct debit (Betalingsservice / PBS) | No prorated refund; you can reject individual debits to avoid a month’s payment | Moderate - must reject within the payment window or cancel mandate |
After you cancel, keep copies of your cancellation confirmation, receipts and any support correspondence. If you paid by App Store/Google Play and need a refund, submit the request via the store’s refund flow. For problems with non-delivery or technical failures, contact Lunar support and provide the documentation checklist items above; Lunar’s Terms indicate the provider may offer missing items or store credit at its discretion in some technical-failure cases. Lunar’s public Terms: lunarguideapp.com/terms. For PBS details: support.lunar.app - PBS.
Lunar, att: Klageansvarlig, Hack Kampmanns Plads 10, 8000 Aarhus C, Denmark
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Written by Evelyn Wright
Former postal advisor · 5 years experience
Former postal-services advisor and e-signature specialist, I have been writing for Postclic for 5 years to demystify legally binding mail for everyday users.