Cancellation service #1 in Canada
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Smartcredit 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 Smartcredit: Easy Method
What is Smartcredit
SmartCredit is a subscription-based credit monitoring and credit-improvement service that provides score tracking, reports, alerts and tools designed to help users monitor and (in some cases) improve their credit profile. It is offered as a web service and as apps on mobile platforms; billing and support terms vary by delivery channel (web account, phone, Apple App Store, Google Play).
How to cancel Smartcredit
- Cancel online: sign in to your SmartCredit account and use the account/membership settings to cancel. Cancellation takes effect at the end of the current paid term (no prorated refund).
- Cancel by phone: call customer service at (877) 372-3895 and request cancellation. As with online cancellations, the service normally remains active until the end of the paid period and no partial refund is provided.
- Cancel in-app (iOS): if you subscribed through Apple, you must cancel via your Apple ID subscriptions in the App Store; Apple handles billing and refund requests for App Store purchases.
- Cancel in-app (Android): if you subscribed through Google Play, cancel via Google Play > Payments & subscriptions > Subscriptions in your Google account; Google Play governs refunds and subscription management for that channel.
What happens when you cancel
When you cancel a SmartCredit subscription through the web or by phone, cancellation typically takes effect at the end of your current paid billing term. You will generally retain access to the service until that date but will not be billed again after the term ends. For subscriptions purchased through Apple or Google Play, cancellation and access timing are governed by the respective stores' rules.
SmartCredit’s terms state that refunds or prorated credits are not provided when a subscription is cancelled mid-cycle. Account data and reports may be retained according to SmartCredit’s privacy and data retention policies; if you want your account or personal data removed, request account deletion explicitly and keep written confirmation of that request.
Will I get a refund?
SmartCredit’s published terms state that payments for subscriptions and features are non-refundable and that no prorated refunds or credits will be given if you cancel before the end of a paid period. The terms explicitly disallow typical “cooling-off” refunds in their service agreement.
Exceptions depend on the purchase channel: for Apple App purchases, refunds and certain warranty claims are handled by Apple (Apple may refund the purchase price if the app fails to conform to warranty). For Google Play purchases, Google’s refund and subscription policies apply. If you believe you were charged in error or fraudulently, contact the merchant and your payment provider (bank or card issuer) to explore a chargeback or dispute.
Smartcredit plans and pricing
| Plan | Price | Billing period | Key features |
|---|---|---|---|
| SmartCredit Subscription | Varies | Varies | Score tracking, alerts, reports, score-building tools (features may vary by channel) |
Your consumer rights in Canada
Canadian consumer protection is governed by federal and provincial laws and can vary by province or territory. SmartCredit’s terms assert a no-refund policy for subscriptions; however, statutory consumer rights and protections may still apply in certain situations (for example, misrepresentation, unfair practices, or unauthorized charges). There is no explicit 14-day “cooling-off” right mentioned in SmartCredit’s terms.
If you believe your rights under provincial consumer protection law have been violated, you can contact your provincial consumer protection office for guidance. You may also contact your card issuer to dispute unauthorized or incorrect charges and consider filing a formal complaint with relevant consumer protection authorities if you cannot resolve the issue directly with the merchant.
Customer experiences
Users often praise SmartCredit for its user-friendly dashboard, ScoreTracker and ScoreBuilder tools, comprehensive reports and responsive customer service. Many customers find the alerts and progress tracking helpful in managing their credit.
Negative feedback commonly focuses on ongoing charges without perceived benefit, slow or unclear credit-score changes (some customers attribute score improvement to their own credit actions rather than the service), and frustration about being billed even after canceling if confirmation or process steps were missed. A number of complaints relate specifically to in-app billing where users needed to manage subscriptions through Apple or Google rather than SmartCredit’s website.
Documentation checklist
- Account holder full name and email used for the SmartCredit account
- Account ID or membership/subscription number (if available)
- Date(s) of subscription sign-up and most recent charge (billing statement or receipt)
- Screenshot or PDF of the subscription page and any cancellation confirmation(s)
- Phone call details (date, time, agent name) or written correspondence; proof of registered mail (tracking/receipt) if sent
Common mistakes
Common errors include assuming cancellation on the website also cancels an in-app subscription - App Store and Google Play subscriptions must be cancelled via their respective accounts; otherwise charges may continue. Another frequent mistake is expecting a prorated refund after mid-cycle cancellation despite SmartCredit’s explicit no-refund policy. Users sometimes fail to obtain or save cancellation confirmation, making disputes harder to resolve later. Finally, not checking which payment method was used (card, PayPal, app-store billing) can delay stopping future charges.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Web (account) | No prorated refund; subscription remains until end of paid term | Easy - cancel in account settings |
| Customer Service (phone) | No prorated refund; cancellation effective end of current term | Moderate - requires calling and confirming |
| App Store (iOS) | Refunds handled by Apple per App Store policy; SmartCredit terms do not provide refunds for Apple purchases | Moderate - must use Apple ID subscriptions and Apple support for refunds |
| Google Play Store (Android) | Use Google Play’s refund process; SmartCredit refers users to Google Play for Android subscriptions | Moderate - manage via Google Play account and support |
After cancelling
After you cancel, save confirmation (screenshot, email, or call notes) and monitor your payment method for any unexpected charges. If you see charges after the cancellation effective date, contact SmartCredit support with your cancellation proof and, if necessary, your payment provider to dispute the charge. For App Store or Google Play purchases, use Apple or Google’s subscription and refund support channels first.
Helpful resources: SmartCredit support pages for account and billing, Apple subscriptions and refunds, Google Play subscriptions & refunds, and general Canadian consumer information at Government of Canada - Consumer Protection.
Address
For written notices or to send cancellation requests by tracked/registered mail (recommended to retain proof of delivery):
ConsumerDirect®
2983 Michelson Dr.
Irvine, CA 92612
United States
FAQ
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.