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I hereby notify you of my decision to terminate the contract relating to the Borrowell 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.
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- guarantee the validity of an incorrect or outdated address.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.
Cancellation Borrowell: Easy Method
What is Borrowell
Overview
Borrowell is a Canadian fintech company that provides free credit scores, personalized financial recommendations, and optional paid services such as credit-building and rent-reporting products.
The service is primarily Canada-focused; Borrowell’s public policies and pricing are oriented to Canadian customers and platforms.
Paid services and scope
Paid offerings include products like Credit Builder and Rent Advantage/Rent Reporting Combo that may be billed through Borrowell’s Stripe portal or through app stores.
Borrowell’s official materials do not describe India-specific pricing or support practices, so cancellation and billing behavior follows the channel used at sign-up.
How to cancel Borrowell
Cancel paid Borrowell services via Borrowell account
- Sign in to your Borrowell account on the website or app.
- Go to Settings and follow the link to the Stripe portal to cancel eligible subscriptions.
- For Rent Advantage, cancel via Settings → Stripe portal; cancellation may take up to 3 business days and service continues until the end of the current billing cycle. More on cancelling Rent Advantage.
Cancel subscriptions purchased via Apple or Google
- If you subscribed through the Apple App Store or Google Play, you must cancel through that store - Borrowell cannot cancel those subscriptions for you.
- Follow Apple/Google standard procedures to stop future billing. General guidance for cancelling app-store subscriptions is available here: Cancel via App Store / Play Store.
What happens when you cancel
Access and service continuation
When you cancel a paid plan, service typically continues until the end of the current billing cycle.
For Rent Advantage, cancellation processing can take up to 3 business days but access remains until the billing period ends. See Rent Advantage cancellation details.
Account deactivation vs. subscription cancellation
Deactivating or deleting your Borrowell account does not automatically terminate paid subscriptions billed through the App Store or Stripe.
Cancel any active paid plans separately before deactivating or deleting your account. More on deactivating or deleting an account.
Will I get a refund?
General refund stance
Borrowell does not publish a universal 14‑day refund policy for its paid services in public materials.
Refunds are not guaranteed as a standard practice and outcomes may vary by case and payment channel.
Exceptions and Money‑Back Guarantee
- Rent Reporting Combo has a conditional Money‑Back Guarantee: if you report at least 12 of the past 24 months of rent and the credit score stayed the same or declined, you may request a refund within 60 days of the updated credit report.
- Requests under that guarantee must be made by emailing Borrowell; processing can take up to 60 days. Money‑Back Guarantee details.
- Some users have reported receiving refunds in particular situations; other users have reported unsuccessful refund attempts. Outcomes can vary. User reports and experiences.
Borrowell plans and pricing
Pricing availability
Borrowell’s publicly documented pricing is Canadian‑centric and does not list India or INR pricing.
If you need current pricing for your country or billing channel, contact Borrowell support from your account.
Contact for pricing table
| Plan | Price | Notes |
|---|---|---|
| Paid Borrowell services | Contact for pricing | Official pricing is Canada‑focused; confirm in your account or with support. |
Your consumer rights in India
Applicable Indian protections
Borrowell’s published policies are Canada‑centric and do not explicitly describe India‑specific cancellation or refund rules.
Indian consumers may have protections under Indian consumer law, such as the Consumer Protection Act, 2019 and related rules for digital payments and e‑commerce.
Practical steps if you are in India
- Document your purchase and cancellation attempts (receipts, emails, screenshots).
- If Borrowell does not resolve a dispute, consider seeking advice from Indian consumer protection authorities or filing a complaint under applicable Indian consumer law.
Customer experiences
Positive feedback
- Many users praise Borrowell’s customer support responsiveness and helpful account assistance.
- Users report effective credit monitoring and successful rent reporting that aided credit improvement.
Negative feedback
- Some users report serious concerns about identity issues, phishing, and delays in resolving fraud cases.
- There are complaints alleging misleading product suggestions, denied refunds, or unmet promises in some cases.
- For a range of user reviews, see: Borrowell on Trustpilot.
Documentation checklist
Essential items to prepare
- Account email and username used with Borrowell.
- Receipt or billing statement showing the subscription charge.
- Subscription ID or Stripe/App Store transaction ID if available.
Supporting evidence for disputes or refunds
- Screenshots of subscription settings and cancellation attempts.
- Email correspondence with Borrowell support and timestamps.
- If claiming the Rent Reporting guarantee: proof that at least 12 of 24 months were reported and the updated credit report showing no improvement.
Common mistakes
Assuming account deletion cancels payments
Many users mistakenly delete or deactivate their Borrowell account without cancelling paid subscriptions separately.
Deleting the account does not automatically stop App Store or Stripe billing; cancel subscriptions first via the proper channel.
Using the wrong cancellation route
Users who subscribed through Apple or Google must cancel via that store - contacting Borrowell alone will not stop Apple/Google charges.
Also, failing to follow the Stripe portal flow in Settings can delay cancellation for Stripe‑billed services like Rent Advantage.
Comparative recap
Cancellation methods compared
| Method | Where to cancel | Processing time | Refund likelihood |
|---|---|---|---|
| Borrowell (Stripe‑billed) | Borrowell account → Settings → Stripe portal | Up to 3 business days for Rent Advantage; may vary for other plans | Refunds not guaranteed; conditional policies (e.g., Rent Reporting guarantee) may apply |
| Apple App Store | Cancel via Apple ID / App Store subscription settings | Immediate stop of renewals after cancellation by store rules | Handled by Apple; Borrowell cannot directly refund App Store charges |
| Google Play Store | Cancel via Google Play Subscriptions | Immediate stop of renewals after cancellation by store rules | Handled by Google; Borrowell cannot directly refund Play Store charges |
Key takeaway
Always cancel via the channel you used to subscribe - Borrowell (Stripe), Apple, or Google - to prevent future billing and to preserve refund options.
After cancelling
Follow-up actions
- Keep copies of cancellation confirmation and any email replies from support.
- Monitor your bank or card statements for any unexpected charges after cancellation.
Helpful links
- How to deactivate or delete my Borrowell account
- How to cancel Rent Advantage
- Borrowell Money‑Back Guarantee terms
- Guide: cancel subscriptions purchased via Apple or Google Play
Address
Head office
Borrowell Inc., 33 Yonge Street, Suite 1301, Toronto, Ontario M5E 1G4, Canada.
Contact note
Use in‑app support or the help centre pages linked above for account and billing inquiries; postal mail may have longer response times.