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Cancellation service #1 in New Zealand
ClearScore provides free access to your credit score and report in New Zealand plus optional paid identity and fraud protection called Protect Plus.
The core credit score and standard Protect dark‑web monitoring are free; Protect Plus is a paid upgrade with additional features.
ClearScore displays credit data obtained from third parties and presents it "as is" while offering tools and tips to improve credit health.
Paid services are billed monthly or annually depending on the Protect Plus plan you choose.
If you cancel a paid Protect Plus subscription purchased via the website, access continues until the billing period ends.
For subscriptions through Apple or Google, access typically continues until the term paid for on that platform expires.
Cancelling Protect Plus does not automatically delete your ClearScore account or the free services attached to it.
To remove your account and data, you must use the Delete Account option in My Account; this is permanent.
Protect Plus subscribers in New Zealand are not entitled to refunds after purchase as the local policy does not provide post‑purchase refunds.
This no‑refund rule applies to Protect Plus purchases made in New Zealand.
Key services in New Zealand are free; Protect Plus is a paid upgrade available monthly or annually.
All prices shown are the listed ClearScore NZ prices as of the latest update.
| Plan | Price | Period | Features |
|---|---|---|---|
| Credit Score & Report | NZ$0.00 | One-time / Forever | Access to credit score and report, free forever |
| Protect (standard) | NZ$0.00 | Ongoing | Dark web monitoring (quarterly), free |
| Protect Plus | NZ$9.99 | Monthly | Daily dark web scanning, credit report updates, 24/7 fraud helpline, identity theft & ransomware cover |
| Protect Plus | NZ$79.99 | Annual | Same as monthly Protect Plus plan, 34% discount applied |
Under New Zealand consumer law, you have remedies if there is a substantial failure of service, which can include cancellation or compensation.
For non‑substantial failures, you are entitled to have issues fixed within a reasonable time or cancel and claim reasonable losses.
ClearScore provides its services "as is" and disclaims liability for inaccuracies in third‑party credit data.
That disclaimer does not remove your consumer rights under New Zealand law where a substantial failure has occurred.
Many users find ClearScore easy to use and helpful for understanding their credit score and next steps to improve it.
Reviewers often praise timely customer support and personalised tips for resolving credit issues.
Some users report receiving excessive promotional or alert emails, sometimes continuing after attempts to unsubscribe.
Other complaints include trouble registering, missing address data, or data not appearing correctly in reports.
Users sometimes try to cancel a subscription within the ClearScore app when it was purchased via Apple or Google Play.
If you bought through a store, you must cancel through that store's subscription settings rather than within the ClearScore website.
Some expect refunds after cancelation in New Zealand - Protect Plus does not offer refunds locally, so this causes surprise.
Also, cancelling a subscription does not delete your account unless you explicitly use the Delete Account option.
The table below summarises key practical differences in how cancellations and refunds are handled across purchase channels in NZ.
| Aspect | Apple (iOS/App Store) | Google Play | Website (Stripe / ClearScore) |
|---|---|---|---|
| How to cancel | Cancel in iTunes/App Store subscription settings | Cancel in Google Play subscription settings | Log in → Protect → My Account → Cancel my subscription |
| Refunds in NZ | No refund from ClearScore; request via Apple store policies | No refund from ClearScore; request via Google Play policies | No refund from ClearScore for Protect Plus purchases in NZ |
| Access after cancellation | Access until the App Store term expires | Access until the Play Store term expires | Access until the end of the billing period |
| Account deletion | Separate: use My Account → Delete Account | Separate: use My Account → Delete Account | Use My Account → Delete Account (permanent) |
After you cancel, check your ClearScore account or your Apple/Google subscription page for confirmation of cancellation.
Keep a screenshot or confirmation email in case you need to reference the cancellation later.
ClearScore NZ Limited (registered office and address for service):
Suite 14472, 17b Farnham Street, Parnell, Auckland 1052, New Zealand
No separate postal address for cancellations was found; online cancellation via My Account is preferred and is the fastest method.
If you choose to send cancellation correspondence by post, use the registered office address above and keep proof of posting.
Already sent a letter? Enter its tracking number to see its proof of dispatch and certified timestamp.
Written by Hudson Phillips
Postclic editor · 5 years experience
Editor at Postclic for 5 years, I turn complex registered electronic mail procedures into clear, actionable English.