Cancellation Lunaq: Complete Guide

What is Lunaq

What kind of service Lunaq appears to be

Lunaq is presented as a subscription-based software service focused on liquidity management in decentralised finance. The public site points to a SaaS model, but several basic consumer details are still missing, including a clear cancellation flow, refund wording, support email, and support hours "No cancellation procedure found in Terms of Service" (lunaq.com).

That lack of detail matters if you are paying real money every month or year. In Malaysia, many users get frustrated when a service is easy to join but not senang to leave, especially when the billing date is near and there is no obvious unsubscribe button.

What users are likely paying for

Based on the service description, Lunaq sells access to software tools rather than a one-off product. The value seems to be real-time asset tracking, market insights, and decision support for users active in DeFi, which is why the charges are framed as recurring plans rather than a single licence.

There is no verified statement in the available Terms about a free trial, minimum commitment, or auto-renewal wording "No free trial terms found in Terms of Service" and "No auto-renewal clause found in Terms of Service" (lunaq.com/terms). If you signed up through a mobile app store, your billing rules may come from the store instead of Lunaq's own Terms.

Availability and local relevance in Malaysia

For Malaysia, there is no verified local support line, no live chat, and no local cancellation address. The help article that does exist is hosted on Lunar support, not on a Malaysia-specific Lunaq portal, which suggests support may be centralised rather than localised official help article.

Local pricing in RM is not clearly published as native Malaysian pricing. The available price points come from USD figures converted at 1 USD about RM4.72, so Malaysian users should treat the RM values as estimates, not guaranteed checkout prices.

Business model and what that means before you cancel

Lunaq looks like a recurring subscription service with monthly and annual plans. The practical issue is simple: because the Terms do not clearly explain cancellation timing, refund treatment, or data retention after cancellation, you should assume the safest move is to cancel before the next billing date and keep proof.

If you are already thinking of moving on, alternatives in the wider AI and creation tool market include Seedance, Higgsfield, and Luma AI Dream Machine. They are not direct replacements for every Lunaq feature, but they show there are other paid tools if Lunaq no longer suits your workflow.

How to cancel Lunaq without getting charged again

Checks to do before you touch the cancel button

Many Lunaq users worry about two things at the same time: getting billed again after cancelling, and losing access too early. Start by checking your latest billing date, your subscription channel, and your current plan name. Take screenshots of the account page, current tier, and any page that shows the renewal date.

This step saves a lot of headache if there is a dispute later. One App Store review says, "I subscribed to the 3 days free trial but now I don’t know how to unsubscribe 😭 HELP" (App Store). That is exactly why you should identify whether your payment is through the web, App Store, or Google Play before doing anything else.

• Save screenshots of your plan, renewal date, and payment history.
• Export any data you may need because no data retention policy was found in the Terms.
• Check whether the charge appears on your card statement as direct web billing or as App Store or Google Play billing.
• Set a calendar reminder at least 3 days before the next billing date.

Cancel through the Lunaq website or account area

The hard truth is that Lunaq's Terms do not publish a clear click-by-click web cancellation path. Since no official menu path is stated on lunaq.com, the practical route is to sign in and look for common billing areas such as Settings, Account, Billing, Subscription, Manage Plan, or Cancel Subscription.

If you cannot see a cancel option, use the available support article because it is the only verified help page we have: payment service agreement help. The article title suggests payment agreement handling, so it is worth using when there is no visible cancel button.

• Log in to your Lunaq account on the web.
• Open Settings or Account.
• Open Billing, Subscription, or Manage Plan.
• Use any button labelled Cancel, Stop Renewal, or End Subscription.
• Take a screenshot of the final confirmation page.

If the web account gives no cancellation option, send your cancellation request through the support route on the same day and keep proof of the request time. State your account email, plan, amount charged, last four card digits if relevant, and the date you want renewal to stop.

Cancel through App Store or Google Play if that is where you subscribed

This part catches many people. If Lunaq billed you through Apple or Google, deleting the app is useless lah. You must cancel from the store subscription panel, otherwise the recurring charge can continue.

There is no Lunaq-specific store cancellation wording in the Terms, but for SaaS apps this is a normal billing route. Use the exact store account that made the purchase, especially if your phone has multiple Apple IDs or Google accounts.

• For App Store on iPhone, open Settings, tap your Apple ID, tap Subscriptions, select Lunaq, then tap Cancel Subscription.
• For Google Play on Android, open Google Play, tap your profile icon, tap Payments and subscriptions, tap Subscriptions, select Lunaq, then tap Cancel subscription.
• Take a screenshot showing the expiry date after cancellation.
• Check your email for the store confirmation because that is usually your strongest proof.

One user wrote, "it’s little bit hard for me to unsubscribe" (App Store). In practice, the usual problem is not the last tap itself but finding the correct billing channel and the correct store account.

Support, phone, email, and registered post options

No support phone number is available, no live chat is available, no support email is available, and support hours are not specified in the verified research. That makes Lunaq harder to exit than services that publish direct contact details, because there is less room for quick human escalation.

If you need a paper trail, you can send a cancellation notice by registered mail to any verified business address you are able to identify from your invoices or company records, though no official cancellation address was found in the research. Some consumers now use a certified digital letter service such as Postclic for timestamped proof of sending and receipt when a company does not offer a clean support email trail.

• Phone support: not available in verified data.
• Live chat: not available in verified data.
• Email support: not available in verified data.
• Registered mail: possible as proof method, but no official cancellation address was found.

After you cancel, what actually changes on your account

Access after cancellation

Lunaq does not clearly state in the available Terms whether access ends immediately or continues until the end of the paid billing cycle. For a monthly or annual SaaS plan, the most realistic expectation is continued access until the already-paid period ends, but this is not expressly confirmed in the public Terms.

Because that point is unclear, do not wait until the last hour before renewal. Cancel early, save the confirmation, and log back in after cancellation to see whether the account page shows an end date, expiry date, or downgrade notice.

What happens if you do nothing

The Terms do not show a verified auto-renewal clause, but recurring plan prices strongly suggest a continuing subscription model rather than one-time billing. In plain terms, if your card or app store remains active and the platform treats the plan as recurring, you may be charged again on the next cycle unless cancellation goes through successfully.

That is why your bank statement matters as much as the on-screen message. A cancellation click with no email, no screenshot, and no card check is weak evidence if a dispute happens later.

Your data and saved content

No data retention policy was found in Lunaq's Terms "No data retention policy found in Terms of Service" (lunaq.com/terms). That means you should assume nothing and export whatever you can before cancelling, especially portfolio records, watchlists, settings, and reports.

If there is no export tool, at least capture screenshots of key dashboards and transaction-related screens. This is boring work, but it is faster than trying to recover missing account data after the subscription has ended.

Lunaq refund policy and how Malaysians can push a billing dispute

What the public policy says about refunds

Lunaq does not publish a clear refund rule in the available Terms. The verified research states "No refund policy found in Terms of Service" for general refunds, unused periods, and billing errors (lunaq.com). That is not a good sign for anyone expecting an easy pro-rated refund after mid-cycle cancellation.

Reader frustration here is very real. Some users cancel because they no longer need the software, then get upset when access stays limited or money does not come back. Without a written refund promise, assume refunds are discretionary unless the charge was unauthorised, duplicated, or clearly misleading.

How Malaysian withdrawal rights may apply

In Malaysia, the Consumer Protection Act 1999 does not give a blanket cooling-off right for every online subscription. A 10 working day cooling-off period exists under the Direct Sales and Anti-Pyramid Scheme Act 1993 for certain direct sales contracts, including door-to-door and some mail order arrangements, but that does not automatically cover every SaaS signup.

For Lunaq specifically, the available Terms do not specify a cooling-off period or withdrawal right. So if your purchase was a normal online subscription, your strongest arguments are usually misleading trial wording, unauthorised recurring billing, or failure to provide the promised service.

How to ask for a refund step by step

Use the channel that billed you. If Lunaq charged your card directly on the web, submit a support request through the verified help page and attach proof. If Apple or Google billed you, use the store's own refund route because Lunaq may not control store-side payment reversals.

• Write the transaction date, amount, and plan.
• Attach the invoice, card statement line, and cancellation screenshot.
• State the reason clearly: duplicate billing, charge after cancellation, trial confusion, or service not used.
• Ask for written confirmation of the refund decision.

One review says, "They offer free trial and cancel anytime but didnt give refund even client never use the apps" (App Store). That does not prove every refund will fail, but it does show low user confidence in the process.

When to use a chargeback in Malaysia

If the company ignores you or a recurring charge appears after cancellation, contact your card-issuing bank and say you want to dispute a recurring or unauthorised card transaction. In Malaysia, this is commonly handled as a chargeback, with timelines often around 60 to 120 days from the transaction date or from when you discovered the problem, under bank and card-network rules within Bank Negara Malaysia's complaint-handling framework.

Use chargeback as a last resort after you have gathered proof. Helpful documents include your cancellation screenshot, support request, invoice, and any confirmation showing the subscription should have ended before the charge date.

Terms and subscription conditions that Lunaq does not explain clearly

What the available Terms do and do not say

The public Terms data leaves several important consumer points blank. No auto-renewal clause was found, no minimum commitment was specified, no free trial terms were found, no data retention policy was found, and applicable law and dispute resolution were not specified (lunaq.com/terms).

For a paid software subscription, these are not small details. They affect when you need to cancel, whether a trial flips into paid billing, what happens to your account data, and where a dispute may be handled.

What this means in practical use

When the Terms are this thin, you should behave defensively. Save every payment receipt, every account screenshot, and every support message because the contract wording itself may not answer the key questions if there is a billing problem later.

Also assume there is no guaranteed grace period. If your renewal is on 30 June, try to cancel several days earlier rather than gambling on same-day processing.

Lunaq plans and pricing in Malaysia

Current plan table in RM and USD

These MYR prices are approximate, converted from USD at 1 USD about 4.72 MYR. Please confirm the exact local checkout amount on the official service before paying.

Which plans are cheapest and priciest

The lowest listed price is Basic Annual at $49.00 (RM231)*. The highest listed price is Premium Annual at $149.00 (RM703)*. Among monthly options, Standard Monthly at $99.00 (RM467)* is the most expensive verified monthly figure.

The strange part is the pricing pattern. Basic Monthly at $59.00 (RM278)* costs more than Basic Annual at $49.00 (RM231)*, and Standard Monthly at $99.00 (RM467)* costs more than Standard Annual at $79.00 (RM373)*, which suggests the available pricing data may reflect promotional, legacy, or market-specific listings rather than a neat current global price page.

Billing notes and value check

No cancellation fee was found in the Terms, and no early termination fee was found either. That is good news on paper, but the bigger issue is poor clarity around renewal mechanics and refund treatment.

If your account is on a monthly plan above RM278, review whether you are still using the software enough to justify it. For many Malaysian users, the quickest savings move is simply to stop the recurring charge before the next billing date and downgrade only if Lunaq still has one feature you really need.

Your rights in Malaysia if Lunaq ignores your cancellation or refund request

Malaysian laws that matter here

For Malaysian consumers, the main laws in this area are the Consumer Protection Act 1999 and the Direct Sales and Anti-Pyramid Scheme Act 1993. The CPA covers unfair practices and consumer claims more broadly, while the DSAPSA gives a 10 working day cooling-off period for certain direct sales contracts, not every online SaaS subscription.

For Lunaq, the useful takeaway is simple. If the service charged you after cancellation, misrepresented a trial, or failed to provide promised access, you may have grounds to complain even though Lunaq's Terms do not clearly spell out a withdrawal right.

Cooling-off and withdrawal in plain language

The 10 working day cooling-off rule under the DSAPSA is relevant if your transaction fits that law's direct sales framework. For an ordinary self-serve online software signup, there is no automatic general right in Malaysia to cancel for any reason after purchase just because you changed your mind.

That is why your complaint should focus on facts. Use words like unauthorised recurring charge, misleading free trial presentation, duplicate billing, or service not delivered as described, because these are stronger than saying you simply no longer want the plan.

How to complain to KPDN or file with TTPM

If Lunaq does not respond or refuses a fair billing correction, you can escalate to the Ministry of Domestic Trade and Cost of Living, known as KPDN, and to the Tribunal for Consumer Claims Malaysia, known as TTPM. Prepare a short case file with your invoice, screenshots, cancellation proof, and the disputed statement entry.

With TTPM, the practical goal is compensation or a refund for a consumer dispute. With KPDN, the goal is complaint handling and enforcement visibility. Use both if needed, especially when a recurring digital charge continues after a documented cancellation attempt.

Useful authority contacts

Use the official consumer channels for Malaysia if the company goes silent:

• KPDN official website
• TTPM official website

When you file, refer clearly to the service name Lunaq, the billing channel used, the charge amount in RM, and the exact date you tried to cancel. That makes your complaint easier to process and harder for the merchant to brush aside.

What customer reviews say about Lunaq cancellation

Overall verdict from the available review sample

Overall rating trend: 0 positive and 3 negative reviews in the available cancellation-related sample. Based on that small but consistent sample, cancellation appears difficult rather than smooth. The common theme is not a hidden penalty fee but confusion about how to unsubscribe and frustration about refunds.

No specific user-reported issue unique to Malaysia was identified in the research. Even so, the pain points match what Malaysian users often complain about in subscription disputes: unclear cancellation steps, uncertainty during trial periods, and charges that users feel should have been refunded.

Recurring themes table

Sources summary table

Individual user comments

• "I subscribed to the 3 days free trial but now I don’t know how to unsubscribe 😭 HELP" (App Store)
• "They offer free trial and cancel anytime but didnt give refund even client never use the apps" (App Store)
• "it’s little bit hard for me to unsubscribe" (App Store)

There are no positive cancellation reviews in the provided sample, so it would be misleading to pretend the process is well loved. The balanced point is this: no dark pattern was specifically identified in the research, but poor documentation alone can still make a cancellation feel messy.

Documents to gather before and after you cancel

Before cancellation

Do not start blind. For Lunaq, the most useful file set is your plan page screenshot, renewal date screenshot, invoice or receipt, and a copy of any dashboard data you may lose because no retention policy is published.

• Screenshot of current plan page
• Screenshot of next billing date
• Invoice or store receipt
• Exported data or key screenshots

For a refund or complaint

If you are disputing a charge, you need the transaction date, amount, and billing channel. Add proof of your cancellation attempt, especially the time and date, because that is often the deciding factor when a bank or tribunal reviews a recurring billing dispute.

• Transaction ID or receipt number
• Card statement line or store receipt
• Cancellation confirmation screenshot
• Support request screenshot

After cancellation

Once you finish cancelling, save the final confirmation screen and any email that mentions the expiry date. Then check your statement again on the next billing cycle so you can act quickly if an unexpected charge appears.

• Final confirmation screenshot
• Email confirmation copy
• Calendar reminder for renewal date
• Next statement check screenshot

Common Lunaq cancellation mistakes that cost users time or money

Using the wrong billing channel

A very common mistake is trying to cancel on the web when the charge actually came through App Store or Google Play. If the receipt is from Apple or Google, you must cancel there. Deleting the app or logging out will not stop the subscription.

This mistake matches the review pattern where users know they subscribed but do not know where to unsubscribe. The fix is simple: follow the money, not the app icon.

Waiting until the last minute

Because Lunaq does not publish a precise cancellation timing rule, same-day cancellation is risky. If your renewal is tomorrow and the platform or store processes late, you may still see the next charge hit your card.

Safer practice is to cancel at least a few days before billing and keep proof. This is especially useful for annual plans where a missed cut-off can mean a much larger surprise.

Expecting an automatic refund for unused time

No refund policy was found in the Terms, so do not assume unused days will be paid back automatically. One App Store reviewer explicitly complained about not getting a refund after not using the app, which is a warning sign for anyone cancelling mid-cycle.

The better approach is to request the refund separately and explain the reason with evidence. If the charge was post-cancellation or unauthorised, say that clearly instead of only saying you stopped using the service.

Not saving proof of cancellation

If Lunaq gives you a confirmation page but no email, a screenshot may be your only proof. Many consumers skip this small step, then struggle later when a bank asks for evidence that the recurring service should have ended before the disputed charge date.

Take screenshots of every final page, especially anything showing cancelled, expires on, or renews on. It takes 10 seconds and can save weeks of back and forth.

Ignoring the absence of clear support contacts

No phone, no live chat, and no public support email are available in the verified data. That means you should not assume you can sort everything out later with a quick call.

If there is no immediate support route, escalate faster with proper records. Use the help article, keep your timeline, and go to your bank, KPDN, or TTPM if the issue drags on.

Comparison of Lunaq cancellation methods at a glance

Method comparison table

Key takeaway from the comparison

The fastest route is usually the same place that billed you. Web cancellation is simplest if the button exists. App Store and Google Play are solid when store billing was used. Registered mail is slower but useful when you need a stronger evidence trail.

No single method fits everyone, can or not depends on how you originally subscribed. The smart move is to use the billing channel first, then keep documentary proof in case a later dispute starts.

What to do after cancellation so the charge does not come back

Immediate follow-up steps

Right after cancelling, log out and log back in to see whether your account status changed. Save the confirmation page, note the access end date if shown, and set a reminder for the next expected billing day.

If you used a mobile store, also save the Apple or Google subscription status page. That screen often shows the expiry date more clearly than the app itself.

Bank statement checks and chargeback timing

Monitor your card or bank statement through the next billing cycle. If a new Lunaq charge appears after your saved cancellation date, contact your issuing bank and ask to dispute a recurring or unauthorised transaction. In Malaysia, this is commonly handled as a chargeback, often within about 60 to 120 days depending on bank and card-network rules.

Bring evidence, not just frustration. Use your screenshots, invoice, support request, and statement line so the bank can see the timeline clearly under Bank Negara Malaysia's consumer protection complaint framework.

Alternatives if you are moving on

If you are cancelling because the value no longer feels worth the price, there are other paid tools in adjacent spaces. Seedance focuses on multimodal HD video generation, Higgsfield is known for user-friendly text-to-video creation, and Luma AI Dream Machine is recognised for speed and spatial realism.

These are not one-to-one substitutes for every Lunaq function, but they are worth a look if your broader need is AI-assisted production or advanced digital tooling rather than this specific subscription.

Useful links

• Lunaq official website
• Lunaq payment agreement help
• KPDN official website
• TTPM official website

Lunaq cancellation address and offline contact status

No verified cancellation address was found

No official cancellation address was found in the available research, and the official website does not provide a dedicated postal cancellation location. That means Lunaq currently looks like an online-first cancellation case rather than a company with a published Malaysia mail-in termination desk.

If you still want an offline paper trail, use a verified business address from your invoice or corporate records rather than guessing. A wrongly addressed registered letter is weak evidence and may waste the very deadline you were trying to protect.

Best practical route when no address is published

Use the account billing area if available, or the verified help page if the account offers no visible cancellation path. Save everything on the day you act, then monitor your payment method until the next cycle clears without a new charge.

If Lunaq ignores a documented cancellation and money is still taken, escalate in this order: billing channel proof, bank dispute or chargeback, then KPDN or TTPM. That sequence is usually the most efficient way for a Malaysian consumer to close the issue properly.