Usługa rozwiązania Nr 1 w Canada
Szanowni Państwo,
Niniejszym powiadamiam o mojej decyzji zakończenia umowy dotyczącej usługi Questrade.
To powiadomienie stanowi zdecydowaną, jasną i jednoznaczną wolę rozwiązania umowy, ze skutkiem w najbliższym możliwym terminie lub zgodnie z obowiązującym terminem umownym.
Proszę o podjęcie wszelkich niezbędnych działań w celu:
– zaprzestania wszelkich rozliczeń od daty skutecznego rozwiązania;
– pisemnego potwierdzenia prawidłowego przyjęcia niniejszego wniosku;
– oraz, w razie potrzeby, przesłania końcowego rozliczenia lub potwierdzenia salda.
Niniejsze rozwiązanie jest Państwu przesłane certyfikowanym e-listem. Wysyłka, oznaczenie znacznikiem czasu i integralność treści są ustalone, co czyni go dowodem pisemnym spełniającym wymogi dowodu elektronicznego. Mają Państwo zatem wszystkie niezbędne elementy do regularnego przetworzenia tego rozwiązania, zgodnie z obowiązującymi zasadami dotyczącymi pisemnego powiadomienia i swobody umów.
Zgodnie z zasadami dotyczącymi ochrony danych osobowych, proszę również o:
– usunięcie wszystkich moich danych niepotrzebnych do Państwa zobowiązań prawnych lub księgowych;
– zamknięcie wszelkich powiązanych paneli osobistych;
– oraz potwierdzenie skutecznego usunięcia danych zgodnie z obowiązującymi prawami dotyczącymi ochrony prywatności.
Zachowuję pełną kopię tego powiadomienia oraz dowód wysyłki.
Cancellation Questrade: Easy Method
What is Questrade
Questrade is a Canadian online brokerage that offers self-directed investing, managed investing, and trading services for retail clients. It provides account types such as registered plans (RRSP, TFSA), margin, and cash accounts, along with digital subscriptions (e.g., Questrade Plus), order execution, and funding options through bank transfers and Pre‑Authorized Deposits (PADs).
How to cancel Questrade
- Cancel Questrade Plus (web): Log in to your Questrade account → Select Questrade Plus from the top navigation → Manage access → Cancel access. You will keep benefits until the end of the current month; Questrade does not issue prorated refunds. See the Questrade Plus FAQ: Questrade Plus FAQ.
- Cancel a free Questrade Plus trial (30 days): Cancel anytime during the 30‑day trial from the same Questrade Plus settings. If cancelled before renewal you won’t be charged and access continues until the trial ends. Note: the same trial cannot be re‑activated. See: Questrade Plus FAQ.
- Subscriptions purchased via mobile app: If you subscribed through an app, cancel via the app store rather than Questrade. On Android: open Google Play → Manage Subscriptions → cancel. On iOS: open Apple Settings → Subscriptions → cancel. Follow the store prompts; a confirmation email is typically sent. Guidance: How to cancel (app purchases).
- Close your entire Questrade account (web): Submit an account closure request under the Requests tab in your Questrade web account. You can also contact support by phone or live chat to request closure. Account closure is processed in a few business days and you will receive an email confirmation. See: Closing your Questrade account.
- Cancel a Pre‑Authorized Deposit (PAD): PADs may be hidden in the interface. Go to Funding → Pre‑Authorized Deposit → Request History and expand the date range back to the PAD setup date to reveal and cancel. Many users report this workaround; community thread: PAD cancellation discussion.
What happens when you cancel
When you cancel a subscription like Questrade Plus, you retain the subscription benefits until the end of the current billing period or the end of a free trial if cancelled during trial. For account closures, Questrade will process the closure request (typically 2 - 3 business days), complete any required transfer‑out or liquidation instructions, and send email confirmation once finished. Your historical account data and statements will remain available per Questrade’s data retention policies; however, access to platform features tied to an active subscription or account stops once the billing period or account is closed. If you stop a PAD, future deposits are halted but past transactions remain on record.
Will I get a refund?
Questrade’s published policy states that there are no refunds or prorated rebates for the unused portion of a monthly Questrade Plus subscription; you retain access until the end of the paid period but are not refunded. The free 30‑day trial avoids billing if cancelled before renewal. Refunds are otherwise limited: for example, an automated rebate program refunds part of the $0.99 USD options contract fee on a tiered basis and those rebates are processed monthly. There is no explicit 14‑day cooling‑off or automatic consumer refund right stated for digital brokerage subscriptions in Questrade’s help pages; disputes beyond Questrade’s published policies may need escalation to external complaint channels.
Questrade plans and pricing
| Plan / Item | Price / Fee | Notes |
|---|---|---|
| Questrade Plus (subscription) | Varies | Monthly subscription fee; free 30‑day trial available. No prorated refunds. |
| Options contract fee | $0.99 USD (per contract) | Portion of this fee may be refunded on a tiered basis; rebates processed on the second business day of the month following the trades. |
| Account closure fee | Varies | Questrade does not charge for basic account closure itself; deregistration or transfer‑out fees (e.g., for RRSP) may apply depending on the transfer or registrar. |
Your consumer rights in Canada
Canadian consumer protection statutes vary by province and by product type. Questrade’s publicly stated terms do not provide a general 14‑day cooling‑off period for brokerage subscriptions; the principal refund mechanisms are those outlined in Questrade’s help pages (free trial cancellation, specific fee rebates). If you believe Questrade has breached its published terms or applicable consumer laws, you can escalate the matter to the relevant regulatory or dispute‑resolution authorities (for example, the Canadian Investment Regulatory Organization (CIRO) or provincial financial ombuds services) or seek advice from your provincial consumer protection office. Keep copies of all correspondence and confirmations when escalating a dispute.
Customer experiences
Public reviews show a mixed picture. Positive commentary and industry awards cite Questrade for competitive pricing, good user experience, regulatory oversight, and security features such as two‑factor authentication and CIPF protection. Negative feedback in review sites and forums highlights slow or difficult customer service interactions, delays with transfers or withdrawals, occasional account or onboarding glitches, and challenges cancelling PADs or certain services. These patterns suggest many users find the platform cost‑effective and feature‑rich while others encounter service or operational issues that require persistence to resolve.
Documentation checklist
- Account number and full legal name registered with Questrade
- Government photo ID (driver’s licence, passport)
- Recent proof of address (utility bill or bank statement)
- Signed account closure request or completed closure form (if required)
- PAD details or original PAD setup date (to locate and cancel PADs)
- Evidence of any outstanding transfer instructions, unsettled trades, or withdrawal requests
- Printed copies of confirmation emails or screenshots showing cancellation requests
Common mistakes
A few recurring mistakes to avoid: cancelling too close to your billing cycle end without allowing the recommended 24‑hour buffer (users should cancel at least 24 hours before month‑end to ensure processing before renewal); assuming a mid‑period refund will be issued for subscription services (Questrade does not prorate Questrade Plus); attempting to cancel an app‑store subscription through Questrade when the purchase was made via Apple or Google (you must cancel via the store); overlooking hidden PAD entries because the date range needs to be extended to reveal the original setup; and failing to retain confirmation emails or proof of cancellation - keep records in case you need to escalate.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Questrade Plus (web cancellation) | No prorated refund; access remains until period end | Low - manage from Questrade Plus settings |
| Free trial cancellation (30 days) | No charge if cancelled before renewal | Low - cancel from Questrade Plus settings |
| App Store / Google Play subscription | Depends on app store policy | Low to moderate - must cancel through the store |
| Close entire account (web/request) | No refund for closure; deregistration or transfer fees may apply | Moderate - requires request, possible transfers or liquidation |
| Cancel Pre‑Authorized Deposit (PAD) | Stops future debits; not a refund mechanism | Moderate to high - PADs may be hidden; date‑range workaround often needed |
After cancelling
After you cancel, watch for an email confirmation and retain it for your records. If you cancelled a subscription, you will usually keep access until the end of the paid period or trial. If you submitted an account closure, allow a few business days for processing and check for any outstanding transfer or deregistration fees that must be settled. For further help and official guidance, consult Questrade’s help pages: Questrade Plus FAQ (link), closing an account (link), and pricing/commissions (link). For mobile‑store subscription cancellations see guidance at: app cancellation guide. If issues remain unresolved, document communications and consider contacting the appropriate regulator or ombuds service for escalation.
Address
Questrade Inc., North American Centre, 5700 Yonge Street, Unit G1 - Ground Floor, North York, ON M2M 4K2, Canada