Cancellation service #1 in United States
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Cleo 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.
Cancellation Cleo: Easy Method
What is Cleo
Cleo is a fintech company and app that provides AI‑driven financial advice, budgeting tools, cash advances, and savings features, along with subscription tiers that add features such as AI tools, debt planning and a Cleo Card for credit building. Cleo operates web subscriptions and mobile subscriptions through the Apple App Store and Google Play, and also sells retail items through Cleo.ca.
How to cancel Cleo
- Web subscription (Members Area): Sign in at the Cleo website, go to My Subscriptions → More Actions → Cancel Subscription. Your access remains until the end of the current billing period; cancellation via the web does not automatically trigger a refund. For details see the Cleo cancellation policy: cleoarts.com/cancellationpolicy.
- Apple App Store subscription: Open your iTunes/App Store account settings and manage automatic renewal under Subscriptions to cancel. See Cleo’s terms for App Store guidance: cleoarts.com/terms.
- Google Play subscription: Open the Google Play app, go to Subscriptions and cancel using Google Play’s process. (Google Play manages billing for subscriptions purchased there.)
- Important: Simply deleting or uninstalling the Cleo app does not cancel a subscription. You must unsubscribe through Cleo’s Members Area or your app‑store subscription settings. For Builder‑specific steps and the in‑app policy see the Builder FAQ: web.meetcleo.com/faqs.
- If you prefer a written notice, consider sending a cancellation letter via registered mail with return receipt to ensure traceability; Cleo’s postal address is provided below.
What happens when you cancel
When you cancel a Cleo subscription it typically remains active until the end of your paid billing period; you will retain access to the paid features through that date. Cancellation stops future recurring charges but does not always remove access immediately or automatically issue refunds - refunds depend on Cleo’s policy and how you subscribed.
Data associated with your Cleo account (profile, settings, conversation history) is managed according to Cleo’s privacy and terms; cancelling a subscription does not necessarily delete your account or personal data. If you need account deletion or data removal, follow Cleo’s account‑management or support guidance and keep records of any requests.
Will I get a refund?
Cleo’s general policy is that purchases and subscriptions outside of any stated free trial are non‑refundable. Cleo offers free trials on some products; charges made after the free trial are typically not refundable under their standard cancellation policy.
There are limited exceptions: within the app, Cleo Builder subscriptions canceled within 30 days of signup may qualify for a refund of the subscription payment (refunds typically take around four business days), unless you requested a physical Cleo Card as part of the signup. For retail purchases through Cleo.ca, Cleo’s return policy allows returns within 30 days with the original receipt and items in resalable condition; refunds are issued to the original payment method. Holiday returns are accepted through January 10, 2026. Shipping fees and duties are non‑refundable. Always check the specific policy page for the product or subscription you purchased: cleoarts.com/cancellationpolicy and cleo.ca/returns.
Cleo plans and pricing
| Plan | Price (approx) | Period | Features |
|---|---|---|---|
| Plus | US$5.99 (~C$8.10) | Monthly | Cash advances, budgeting, saving features |
| Plus (Annual) | US$44.99 (~C$60.74/year ≈C$5.06/month) | Annual | Same as Plus, billed annually |
| Pro | US$8.99 (~C$12.14) | Monthly | Includes Plus features + AI tools, debt plan, saving goals, voice chat |
| Builder | US$14.99 (~C$20.24) | Monthly | Includes Pro and Plus features + Cleo Card for credit building |
| Builder (Quarterly) | US$38.25 (~C$51.64/quarter ≈C$17.21/month) | Every 3 months | Same as Builder, billed quarterly |
| Grow | US$2.99 (~C$4.04) | Monthly | High‑yield savings account |
Your consumer rights in Canada
In Canada, retail consumers are generally entitled to refunds for defective or unsatisfactory items within a retailer’s stated return period; Cleo.ca’s 30‑day return policy (with receipt and resalable condition required) aligns with common consumer protection expectations. For retail returns, refunds are normally issued to the original payment method and shipping fees/duties are not refundable.
There is no pan‑Canadian statutory 14‑day cooling‑off period for digital subscriptions comparable to the EU rule; refunds for digital goods and subscriptions depend on the provider’s policy. Where unauthorized charges or billing disputes occur, Canadian consumers may consider contacting their payment provider or card issuer to dispute charges, and can seek assistance from provincial consumer protection offices if necessary.
Customer experiences
User reviews are mixed. Positive feedback on Cleo’s app (meetcleo.com) highlights useful AI‑driven guidance, approachable money‑management features, and motivational tone that helped users budget and save. Users appreciate features that automate saving and provide accountability.
Negative reports across review sites cite issues with customer support responsiveness, difficulties getting refunds or resolving billing problems, delayed or incomplete retail orders, and complaints about repeated or unauthorized charges. Some users report trouble cancelling or deleting accounts and problematic cash advance handling. There has been regulatory attention and documented complaints about billing and cancellation processes in the past.
Documentation checklist
- Account email/username and subscription confirmation (screenshots or emails)
- Order number or receipt for retail purchases (required for Cleo.ca returns)
- Date(s) of charges and screenshots of billing or bank/card statements showing Cleo transactions
- Records of cancellation attempts (screenshots of Members Area cancellation, App Store/Google Play cancellation screens, or copies of sent emails/letters)
- Any correspondence with Cleo support (emails, chat transcripts) and dates
Common mistakes
Frequently people assume deleting the app cancels the subscription; it does not - subscriptions billed through Apple or Google Play continue until cancelled through the appropriate store or the web Members Area. Another common error is expecting an automatic refund after cancellation; Cleo’s policy generally does not provide refunds except in stated cases (free trials, Builder 30‑day in‑app exception, or Cleo.ca returns with receipt).
Other mistakes include not checking which platform processed the payment (so cancelling the wrong place), failing to keep receipts or screenshots needed for a retail return or dispute, and not cancelling before the next billing date which can result in another charge.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Web (Members Area) | Typically no automatic refund; refunds depend on Cleo policy (see cancellation policy) | Easy - cancel via My Subscriptions → More Actions → Cancel Subscription |
| Apple App Store | Refunds managed per App Store/App‑specific policies; Cleo’s terms point to managing automatic renewal in iTunes account | Medium - cancel via your Apple ID Subscriptions settings |
| Google Play Store | Refunds follow Google Play policies and Cleo’s terms; check Google Play subscriptions for refund eligibility | Medium - cancel via Subscriptions in the Google Play app |
| Deleting the app | No refund and does not cancel subscription | High - does not stop billing; leads to continued charges unless store or web cancellation is completed |
After cancelling
After you cancel, keep copies of your cancellation confirmation (screenshots or emails) and monitor your bank or card statements for any further charges. If a charge posts after cancellation, contact Cleo support and the app store that billed you (Apple or Google) and, if necessary, your card issuer to dispute unauthorized or recurring charges. For Cleo’s official policies and details, consult the cancellation policy and terms: cleoarts.com/cancellationpolicy, cleoarts.com/terms, and the Builder FAQ: web.meetcleo.com/faqs. For retail returns and timing see Cleo.ca returns: cleo.ca/returns.
Address
Cleo (postal contact): 225 Binney St, Cambridge, Massachusetts 02142, United States.