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Cancellation service #1 in Canada
Self (Self Financial, Inc.) is a service that offers credit‑building products and savings/loan combinations designed to help users build or rebuild credit. It operates subscription features and accounts through its own platform and also distributes services via app stores for mobile users.
When you cancel a Self subscription, the service typically remains active until the end of the current billing cycle; you will not be billed after that cycle. Access to subscription features may end when the paid period expires. Self’s policies also cover data retention and account records - cancelling a subscription does not necessarily delete your account or associated data; check account settings or the terms for data‑deletion options.
Self Financial’s published terms state that subscription fees are non‑refundable; there are no refunds for partial months or unused services under their standard policy. If you subscribed through Apple or Google Play, refund requests must be made through those platform operators, which have their own refund procedures and may grant refunds at their discretion. In Canada, a general 14‑day cooling‑off period applies to some purchases, but it typically does not create an automatic right to a refund for digital subscriptions unless a vendor or applicable provincial rule provides otherwise. Self Canada’s terms similarly indicate refunds are only provided in specific circumstances determined by them.
| Plan | Price (CAD) | Period | Features |
|---|---|---|---|
| Free | C$ - (not published; equivalent to US$0) | Monthly | Lifetime free, basic integrations |
| Premium | C$ - (not published; equivalent to US$9/month) | Monthly | Online data backup, unlimited trackers, wearable tracker integration (USD pricing) |
Canadian consumer protection is primarily provincial; laws may provide remedies for unfair business practices, misrepresentation, or failure to deliver promised services. Although Self’s own terms state subscription fees are non‑refundable, provincial consumer protection agencies can investigate possible violations and may offer remedies in specific cases. If you were charged through Apple or Google Play, those platforms handle refunds for in‑app purchases and have dispute processes. If Self is unresponsive or you believe charges are unauthorized, you can also contact your financial institution to dispute charges or file a claim, and you may contact your provincial consumer protection office for guidance.
Public reviews are mixed. Positive reports praise the app’s credit‑building tools, ease of use, and helpful features. Negative reviews on sites such as Trustpilot, Sitejabber and WalletHub cite issues including unexpected or continuing charges, difficulty cancelling, fees that reduced balances on account closure, unexplained accounting errors, and slow or unhelpful customer service responses. These mixed experiences suggest most cancellations proceed normally through account settings or app store management, but some customers have needed to escalate or use dispute channels when problems occurred.
Common errors include assuming uninstalling the app cancels a subscription (this does not cancel Google Play or App Store subscriptions), waiting to cancel until after a renewal date, not saving confirmation of cancellation, or contacting the wrong support channel (Self support vs. the app store where the charge was billed). Another frequent mistake is relying on vendor policy statements without keeping proof; having receipts, screenshots, and dates avoids most disputes.
| Method | Refund | Difficulty |
|---|---|---|
| Cancel in Self account settings | No - Self’s published policy states subscription fees are non‑refundable; exceptions rare | Low - Medium (direct in‑account cancellation; some users report occasional problems) |
| Cancel via Apple App Store | Managed by Apple - Apple may grant refunds through its process | Low - Medium (cancel via device/Apple ID; request refunds from Apple Support) |
| Cancel via Google Play | Managed by Google - Google may grant refunds through its process | Low - Medium (cancel via Play Store; uninstalling app does not stop billing) |
| Registered mail to Subscriptions Dept. | Unlikely to change refund outcome (Self policy applies); used for formal records | High (slow; useful for formal evidence and escalation) |
After cancellation, keep confirmation screenshots, email confirmations, and billing statements showing the last charge. If billing continues after cancellation, contact Self support and, if subscribed through Apple or Google Play, contact their support or refund process pages. If charges appear unauthorized and vendor support is unresponsive, contact your bank or card issuer to dispute the charge and consider filing a complaint with your provincial consumer protection agency. Helpful links: Self Terms (https://www.self.app/terms), Apple subscription help (https://support.apple.com/en-ca/118428), Google Play cancellation guidance (Google Play help), and Self Canada terms (Self Canada Terms).
Send registered mail with return receipt to:
Self Financial, Inc. c/o Subscriptions Dept.
PO Box 11
Southlake, TX 76092‑9998
United States
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Written by Lucas Lee
Former postal advisor · 3 years experience
Former postal-services advisor and e-signature specialist, I have been writing for Postclic for 3 years to demystify legally binding mail for everyday users.