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I hereby notify you of my decision to terminate the contract relating to the Empower 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- guarantee the validity of an incorrect or outdated address.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 Empower: Easy Method
What is Empower
Overview
Empower is a personal finance software-as-a-service that provides budgeting, net worth tracking, savings planning and portfolio analysis tools.
The core app offers free access to money-management features, while optional managed-advisory services (investment management) are charged as a percentage of assets under management.
Core features
Key functionality includes budgeting, expense tracking, net worth calculation, savings and retirement planners, and portfolio tools for investment analysis.
Advisory or wealth-management services, if opted into, add personalized advice and portfolio management for an asset-based fee.
How to cancel Empower
In-app cancellation (recommended)
- Open the Empower app or web account and sign in with the account owner credentials.
- Go to Settings or Account -> Subscriptions / Services and locate the managed service or subscription you want to cancel.
- Follow the on-screen steps to cancel; save screenshots of confirmation screens and any cancellation IDs.
Alternate cancellation methods
- If you cannot cancel in-app, contact Empower support through the app’s Help/Support feature and request cancellation in writing.
- As a last resort, send a written cancellation notice to the corporate address (see Address section). Include your account name, email, account ID and a clear cancellation request.
What happens when you cancel
Access and service changes
Core free tools typically remain available if they are separate from paid advisory services.
When you cancel an advisory/managed service, active portfolio management will stop; you may need to arrange transfer of assets or cash-out instructions with the manager or custodian.
Account data and continuity
Your account data (transactions, history, settings) may remain stored by Empower after cancellation unless you request deletion.
Ask support for a copy of your data and for details on data retention policies so you can export important records before deletion.
Will I get a refund?
General policy
The Empower core app is free, so there are no subscription refunds for that functionality.
Investment management charges are typically asset-based (annual percentage of AUM) and may not be refunded pro rata; check your advisory agreement for exact terms.
Exceptions and disputed charges
- If you believe an incorrect or unauthorized charge occurred, contact Empower support immediately and keep evidence (statements, screenshots).
- If the charge violates the written agreement or was a billing error, request a formal dispute and a refund per the provider’s grievance process.
Empower plans and pricing
Summary table
| Plan | Price | Period | Features |
|---|---|---|---|
| Core Empower App (budgeting, net worth tracker, savings planner, portfolio tools) | ₹0.00 | Free access | Budgeting, expense tracking, net worth, savings planner, retirement planning, portfolio analysis |
| Empower Investment Management (if opted in) | 0.89% - 0.49% of AUM (USD-based fee) | Annual percentage of assets | Wealth advisory, financial advising, managed portfolios |
Notes
No India-specific INR subscription pricing or flat monthly fees were found for Empower in 2024/2025.
Core tools are provided free globally; advisory services are charged as a percentage of assets and billed in USD terms per the verified data available.
Your consumer rights in India
Statutory protections
As a consumer in India you have rights under consumer-protection laws to fair treatment, clear terms and redressal for defective or misrepresented services.
You also have the right to receive billing information, copies of agreements and explanations of charges for any paid service you took.
How to raise a dispute
- Contact Empower support first and keep records of all communications.
- If unresolved, escalate through the service’s grievance/redressal channel and retain dated copies of your complaint.
- As a last resort, file a complaint with a consumer forum or appropriate Indian authority; provide documentation and timelines.
Customer experiences
Positive reports
Many users appreciate Empower’s budgeting tools and portfolio analysis for improving financial visibility.
Users who use the free core app commonly cite easy tracking and goal-setting as benefits.
Common complaints
Typical issues raised include billing questions for advisory services, confusion over service scope, and delays in receiving formal cancellation confirmations.
Some users report needing to follow up repeatedly to ensure managed services were fully stopped and assets handled per instructions.
Documentation checklist
Required account information
- Account email and username
- Account ID or client ID (if provided)
- Last four digits of linked payment method or bank details used for payments
Proof and correspondence
- Screenshots of cancellation steps and confirmation messages
- Copies of advisory or service agreements
- Bank or card statements showing disputed or relevant charges
Common mistakes
Cancelling the wrong item
Users sometimes cancel the free app or an unrelated notification instead of the paid advisory service; always confirm the exact service name before cancelling.
Check whether the charge is for Empower-managed advisory or a third-party platform that forwards billing.
Not saving confirmation
Another common error is not saving a cancellation confirmation or transaction ID; do not rely solely on verbal acknowledgements.
Always keep screenshots, emails, or registered-post receipts to prove cancellation timing and terms.
Comparative recap
Quick comparison
| Plan | Cost | Best for | Notes |
|---|---|---|---|
| Core Empower App | Free | Individuals wanting budgeting, expense tracking and basic portfolio analysis | Core features available without subscription; no India-specific fee found |
| Empower Investment Management | 0.89% - 0.49% of AUM (USD-based) | Clients seeking managed portfolios and advisory services | Fees are asset-based; review advisory agreement for billing and termination terms |
How to decide
If you only need budgeting and tracking, the free core app is sufficient and carries no subscription cost.
If you have managed advisory services, review fee structure and termination terms before cancelling to understand implications for your investments.
After cancelling
Next steps
Export and save your financial data, statements and transaction history from the account before requesting deletion.
Check your bank and card statements for any ongoing charges and cancel any associated direct debits or standing instructions.
If you need help
- Keep all cancellation confirmations and correspondence for any dispute or consumer complaint.
- If charges continue after cancellation, contact your bank to dispute unauthorized payments and to block further debits if necessary.
Address
Corporate headquarters
Empower (corporate headquarters):
8515 E. Orchard Road, Greenwood Village, CO 80111, United States
Sending written notice
If you send a written cancellation or dispute by post, use registered or certified mail and include account details, a clear cancellation request, and a return address.
Retain postal receipts and note delivery dates for your records and any future escalation or consumer complaints.