Cancellation service #1 in Nigeria
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Qapital 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.
Cancel Qapital: Easy Method
What is Qapital
Overview
Qapital is a US-based personal finance app that automates savings and offers budgeting tools and a linked debit card. It helps users set rules to save toward goals and manage spending.
How it operates
Qapital connects to a user's funding bank account to move funds into goals based on automated rules. Memberships are billed on a recurring cycle according to the plan you choose.
How to cancel Qapital
Cancel from the mobile app (recommended)
- Open the Qapital app and go to the Home tab.
- Tap the top-left corner to open your profile.
- Select "Membership".
- Scroll down and tap "Close my account". This schedules account closure at the end of the billing cycle.
Cancel via web or email (if you cannot access the app)
- If you cannot access the app, send an explicit cancellation request to the support email indicated by Qapital (the guidance references the explicit cancellation request address used by Qapital).
- Do not rely on deleting the app; deleting the app alone does not cancel your membership.
What happens when you cancel
Access and account status
When you schedule account closure in the app, Qapital typically sets the closure to occur at the end of the current billing cycle.
You should be able to access your account until the scheduled closure date to move or withdraw funds.
Renewal, data and linked accounts
Cancelling prevents further membership renewals after the current billing cycle ends, provided cancellation is completed in time.
You remain responsible for unlinking funding accounts and withdrawing remaining balances before closure, or for contacting support to arrange transfers.
Will I get a refund?
General refund policy
Qapital's Terms and Conditions state they have no general obligation to provide refunds or credits, except to correct errors or where expressly stated.
Refunds are therefore not guaranteed and are issued at Qapital's sole discretion in most cases.
Trial period and timing
- Qapital offers a 30-day trial period; cancelling within this period is recommended to avoid charges.
- If you request cancellation after a billing cycle has started, refunds for that cycle are generally not available.
Qapital plans and pricing
Available pricing information
Pricing information specific to Nigeria or in euros (EUR) for Nigeria was not found in available sources.
Listed prices are generally presented in US dollars (USD) on Qapital's official site.
Summary table
| Plan name | Price | Notes |
|---|---|---|
| Qapital plans | Varies | No Nigeria-specific EUR pricing found; primary pricing is in USD. |
Your consumer rights in Nigeria
Key rights and responsibilities
Deleting the phone app does not cancel a Qapital membership; you must explicitly cancel via the app or by contacting support.
Ensure cancellation is completed before the next billing cycle starts to avoid further charges.
Where to seek help locally
If you cannot resolve a billing or service dispute with Qapital, you may consider contacting Nigeria's consumer protection authority for guidance.
Keep records of cancellation requests and communications in case you need to escalate a complaint locally.
Customer experiences
Positive feedback
- Users praise Qapital for automated savings rules that build good habits.
- The interface and goal-driven approach are appreciated for joint savings and simple use.
- Some users find the integrated debit card convenient for everyday use.
Negative feedback
- Reports of slow money transfers and delays when moving funds.
- Difficulty reconnecting bank accounts or linking funding sources.
- Complaints about unexpected membership charges and limited customer support options.
Documentation checklist
What to prepare before cancelling
- Screenshot or proof of your membership page showing plan and billing cycle.
- Transaction records for recent charges you may dispute.
- Bank account details to which you want any remaining balance returned.
What to keep after cancelling
- Confirmation of cancellation (screenshot or email) and the scheduled closure date.
- Copies of any correspondence with Qapital support.
Common mistakes
Assuming app deletion is cancellation
Many users mistakenly delete the app thinking this ends the subscription. That does not cancel the membership and can result in continued charges.
Failing to withdraw funds or check billing cycle
Another common error is not withdrawing funds before closure or not confirming cancellation timing, which can lead to lingering balances or unexpected billing.
Comparative recap
Quick comparison overview
The table below summarizes commonly reported strengths and weaknesses of Qapital versus a generic alternative savings app.
Comparison table
| Feature | Qapital | Generic alternative |
|---|---|---|
| Automated savings rules | Strong - designed around rules to automate habits | Varies - some alternatives offer similar automation |
| Speed of transfers | Reports of slow transfers and delays | Depends - some alternatives offer faster processing |
| Customer support | Mostly email-based; slow responses reported | Some alternatives offer phone/chat support |
| Pricing transparency | Pricing generally listed in USD; no Nigeria/EUR specifics found | Varies by provider and region |
After cancelling
Immediate steps
- Confirm the scheduled closure date in the app or in your cancellation confirmation.
- Withdraw or transfer any remaining funds before the account closes.
Useful links and contacts
- Qapital official website
- Qapital Terms & Conditions
- Send explicit cancellation requests or support queries to the email address indicated by Qapital for cancellations.
Address
Primary company address
Qapital, LLC - 122 E 42nd St, 18th Floor, New York, NY, 10168.
Notes on correspondence
For account-specific issues, use in-app support or the official support channels listed on Qapital's website. Keep copies of any written correspondence for records.
Similar cancellation services
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.