Cancellation service N°1 in Italy
Contract number:
To the attention of:
Cancellation Department – Emma
via Gino Capponi 6
50121 Firenze
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Emma 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 notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
17/01/2026
Cancellation Emma: Easy Method
What is Emma
Emma is a personal finance app that connects to your bank accounts and cards to track spending, budgets, savings and subscriptions. In Canada Emma offers tiered paid plans (Plus, Pro, Ultimate) with features such as fraud detection, bill reminders, custom categories and shared "Spaces".
How to cancel Emma
- App Store (iOS): Open the Settings app → tap your name → Subscriptions → select Emma subscription → tap "Cancel Subscription" (see Apple support).
- Google Play (Android): Open the Google Play app → tap your profile icon → Payments & subscriptions → Subscriptions → select Emma subscription → tap "Cancel subscription" (see Google Play support).
- Emma App (Web or direct billing): In the Emma app go to Feed → tap your profile → tap the plan tile → Manage → Change Plan → select the Basic plan (direct billing cancellation flow via Emma; see Emma Help Center).
What happens when you cancel
When you cancel a paid Emma subscription it will not renew at the next billing date. You generally retain access to paid features until the end of the current paid period. Cancelling a subscription is separate from deleting your Emma account: deleting the account does not guarantee cancellation of subscriptions billed through Apple, Google Play or other platforms, so you must cancel through the same platform you used to subscribe.
Will I get a refund?
Emma’s published policy: refunds for Emma Plus/Pro/Ultimate are available within 14 days of purchase, or within 21 days if you used a 7‑day trial. To request a refund follow the cancellation and refund instructions in the app or contact Emma support as directed by the in‑app flow. Purchases made through the App Store or Google Play remain subject to those platform refund policies, so refunds may need to be requested from Apple or Google depending on how you subscribed. After Emma’s stated refund window (14 or 21 days) refunds are not routinely offered except at Emma’s discretion.
Emma plans and pricing
| Plan | Price (CAD) | Period | Features (summary) |
|---|---|---|---|
| Emma Plus | C$4.99 | Monthly | True Balance, Fraud Detection, Bill Reminders, Cashback |
| Emma Plus | C$41.99 | Annual | All Plus features (approx. 30% discount) |
| Emma Pro | C$9.99 | Monthly | All Plus features, Custom Categories, Rename Transactions, Export Data, Offline Accounts, Smart Rules, Split Transactions |
| Emma Pro | C$83.99 | Annual | All Pro features (approx. 30% discount) |
| Emma Ultimate | C$14.99 | Monthly | All Plus & Pro features, Spaces, group analytics |
| Emma Ultimate | C$124.99 | Annual | All Ultimate features (approx. 30% discount) |
Your consumer rights in Canada
Canada does not have a single federal “cooling‑off” rule that universally guarantees a 14‑day cancellation period for digital subscriptions; protections vary by contract terms and provincial consumer laws. Emma’s stated refund policy provides a 14‑day refund window (extended to 21 days where a 7‑day trial was used). Outside these windows refunds are generally not available unless granted by Emma or required under specific provincial consumer protection rules. If you believe you have been charged unfairly, you can contact Emma support, request a refund through the platform used to purchase, and if necessary consult provincial consumer protection authorities for guidance.
Customer experiences
Users commonly praise Emma for consolidating accounts and giving clear spending and budgeting views, plus useful features such as personalized categories, emojis and Spaces. Some reviewers also report positive and prompt support when over‑charging issues were resolved. On the other hand, complaints often focus on unexpected renewals, unclear trial end notices, perceived difficulties cancelling (particularly when subscriptions are managed through App Store or Google Play), occasional login or syncing problems, and frustration when charges continue after account deletion. Experiences are mixed; many issues relate to where the subscription was purchased and how cancellation was executed.
Documentation checklist
- Receipt or proof of purchase (App Store/Google Play/Emma billing), subscription start date, screenshots of subscription status, confirmation emails, and any correspondence with support.
Common mistakes
Many problems arise because people cancel or delete the Emma account but forget the subscription remains active in the App Store or Google Play - leaving the platform subscription untouched. Another frequent mistake is requesting a refund after Emma’s or the platform’s refund window has closed. Users also sometimes assume a trial will not auto‑renew and miss the trial end date; keep calendar reminders or cancel before the trial ends if you don’t intend to continue.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| App Store (iOS) | Subject to Apple’s and Emma’s policies; refunds may be requested via Apple; Emma’s 14/21‑day window applies where relevant. | Medium - must manage through Apple settings and Apple refund process. |
| Google Play (Android) | Subject to Google’s and Emma’s policies; refunds may be requested via Google Play; Emma’s 14/21‑day window applies where relevant. | Medium - manage through Google Play and Google refund flow. |
| Emma App (Web / direct billing) | Emma-issued refunds available within stated 14/21‑day window; cancel in the app to request refund. | Low - cancel directly in the app’s plan/manage flow. |
After cancelling
After cancelling, keep copies of cancellation confirmations, receipts and any replies from Emma or the platform. If you need a refund, follow the in‑app refund steps or the platform refund process promptly within the refund window. For App Store and Google Play purchases, use the links above to start the platform refund request. For direct billing contact Emma Support through the app or Help Center (see Emma Help Center). If Emma’s terms require formal notice by registered mail, send correspondence by registered letter with return receipt to the address below and retain proof of mailing.
Address
Inviare con raccomandata A/R (raccomandata con avviso di ricevimento), come indicato nelle Condizioni Generali di Vendita.
EMMA Firenze, via Gino Capponi 6, 50121 Firenze, Italia