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I hereby notify you of my decision to terminate the contract relating to the Vitality 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- guarantee the validity of an incorrect or outdated address.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.
Cancellation Vitality: Easy Method
What is Vitality
Vitality refers to two distinct offerings in Canada: vitality.ca, an e-commerce site selling health-related products, and Manulife Vitality, an insurance‑linked wellness program offered by Manulife that ties rewards and potential premium savings to healthy behaviours. They operate under different policies and customer‑service channels.
Because these are separate services, cancellation and refund rules differ: product orders from vitality.ca follow the retailer's returns policy, while Manulife Vitality membership or program status is handled through the insurer's customer service and insurance contract terms.
How to cancel Vitality
Follow the set of steps that matches what you purchased (a product from the retailer, an insurance program, or if you suspect a fraudulent/unofficial site). For written proof of cancellation, registered mail (raccomandata A/R) is recommended; use the address in the “Address” section below if you need to send physical notice.
- If you bought a product from vitality.ca and want to cancel or return the order, start the retailer return process within 30 days of purchase via their website or customer service. Request a return authorization and follow the provided instructions for shipping and refund.
- If you are enrolled in Manulife Vitality (insurance program) and want to cancel participation, contact Manulife customer service by phone or email to request cancellation; if required or for a written record, send a written cancellation by registered mail to the address below. After contact, confirm the effective date and obtain written confirmation.
- If you purchased from a site that appears unofficial (for example reviews reference myvitality.store), stop further payments, gather documentation, contact your payment provider for a chargeback if appropriate, and report the site to Canadian anti‑fraud authorities. Do not rely on third‑party promises of guaranteed refunds without written terms.
What happens when you cancel
If you cancel a retail order return through vitality.ca, the normal outcome is that you return the product and the retailer processes a refund to the original payment method per their returns policy. For Manulife Vitality, cancelling participation typically ends any program benefits immediately and stops further program charges or enrollment actions; your underlying insurance contract (if any) remains governed by your policy terms unless you cancel the insurance itself.
Cancellation may affect ongoing rewards, discounts or premium savings. Manulife has indicated premium savings cease when Vitality participation ends. Keep a copy of any written confirmation of cancellation and note the effective date - these are important if there is a dispute about access, renewals or benefits after cancellation.
Will I get a refund?
For product orders placed at vitality.ca and shipped within Canada, the company offers full refunds within 30 days of purchase subject to their policy: opened or expired products are generally not refundable, shipping fees are non‑refundable, and refunds are issued to the original payment method. There is no specific 14‑day cooling‑off right stated; instead vitality.ca publishes a 30‑day satisfaction/return window.
For Manulife Vitality (insurance program), cancellation does not typically trigger refunds of past insurance premiums or retrospective rewards; premium savings earned through the program stop immediately on cancellation and Manulife’s support documentation indicates no refunds of past premiums. If you believe you are due a refund, request written confirmation from the company and, if refused, consider a dispute via your payment provider or regulatory complaint channels.
Vitality plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Manulife Vitality Plus (life insurance) | C$6.00/month for health plan; C$6 - $15/month depending on life insurance term | Monthly | More rewards, insurance premium savings, ability to earn Apple Watch free, gift cards, Vitality Wheel spins |
| Manulife Vitality Plus with health & dental insurance | C$5.00/month | Monthly | Same as Plus but lower charge, up to 10% insurance premium savings |
| Manulife Par with Vitality Plus (life insurance) | C$15/month (10‑year premiums); C$10/month (20‑year); C$6/month (pay‑to‑age‑90); C$4/month (pay‑to‑age‑100) | Monthly | Vitality rewards plus par dividends potential; varies by premium term |
| Vitality Go | Free | N/A | Free version available with eligible insurance plans |
Your consumer rights in Canada
Canadian consumers are entitled to accurate product representations, clear refund and return terms, and reasonable customer service. For purchases from a retailer, the merchant’s posted return policy (for vitality.ca a 30‑day refund window) governs refunds unless broader statutory consumer protection rules apply in your province.
If you suspect fraud, bought from an unofficial site, or the merchant refuses a promised refund, you may pursue a chargeback through your bank or card issuer, file a complaint with federal or provincial consumer protection authorities, and report fraud to the Canadian Anti‑Fraud Centre. There is no automatic federal 14‑day cooling‑off period for most e‑commerce purchases - rely on the seller’s stated policy and applicable provincial rules.
Customer experiences
Reported experiences are mixed. Some customers note prompt and helpful customer service for retailer issues, and vitality.ca appears to offer a standard 30‑day satisfaction guarantee for product orders. Overall verified reviews for vitality.ca are limited and not strongly positive.
Many strongly negative reviews and allegations (poor product quality, no refunds, requests for positive reviews in exchange for refunds) appear tied to third‑party sites such as myvitality.store rather than the official vitality.ca domain; these reports often describe behaviour consistent with scams. Distinguish official channels (vitality.ca, Manulife) from unverified vendors and act cautiously.
Documentation checklist
- Order confirmation / invoice and payment receipt
- Shipping tracking number and proof of return shipment (if applicable)
- Photos of the product condition (unopened, damaged, expired as applicable)
- Copies of all email correspondence or chat logs with customer service
- Policy number or member ID for Manulife Vitality, and any written confirmation of program terms
- Screenshot of the merchant’s returns or cancellation policy and timestamps
Common mistakes
Assuming all “Vitality” references are the same - customers sometimes conflate vitality.ca retail orders with Manulife Vitality insurance. This leads to approaching the wrong support channel and delays. Always verify the domain and the party you contracted with before requesting cancellation or refunds.
Another common error is not keeping written proof of cancellation or not sending written notice when requested; if a company requires written cancellation, use registered mail for proof of delivery and keep copies. Also, relying on informal promises (phone) without follow up in writing can hamper disputes later.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Retail purchase at vitality.ca | Full refund within 30 days for eligible, unopened products; shipping non‑refundable; refunds to original payment method | Low to Medium - follow return process and provide proof |
| Manulife Vitality (insurance program) | No retroactive refund of past premiums; program savings stop on cancellation; check policy for any exceptions | Medium - requires insurer contact and written confirmation |
| Purchases from unofficial/third‑party sites (e.g., myvitality.store) | Uncertain; many reports of no refund - may require chargeback or fraud report | High - may require bank intervention and reporting to authorities |
After cancelling
After you cancel, keep copies of confirmation (email or written) and monitor your bank/card statements to ensure no further charges. If you sought a retailer refund, allow the merchant’s stated processing time and follow up if the refund does not appear.
If you do not receive an expected refund or suspect fraud, contact your card issuer for a chargeback, file a report with the Canadian Anti‑Fraud Centre (antifraudcentre‑centreantifraude.ca), and get advice from the Financial Consumer Agency of Canada (canada.ca/financial‑consumer‑agency). For the official retailer or program pages, start at the merchant site (vitality.ca) or Manulife Vitality information (Manulife Vitality).
Address
Send written cancellation or correspondence (registered mail recommended for proof of delivery):
PO Box 670, Stn Waterloo, Waterloo, Ontario N2J 4B8, Canada