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I hereby notify you of my decision to terminate the contract relating to the Cleo 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- guarantee the validity of an incorrect or outdated address.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 Cleo: Complete Guide
What is Cleo
Overview
Cleo is a budgeting and personal finance app that uses AI to help users track spending, set goals, and receive budgeting advice.
The service offers subscription tiers with added features such as cash advances and a credit-builder card option.
Core features
Key features include automated spending insights, savings pots, and short-term cash advances up to plan limits.
Some features (credit-builder card, higher advance limits) are available only on higher-tier subscriptions.
How to cancel Cleo
Cancel via mobile app (iOS / Android)
- Open the Cleo app on your device and go to your account or subscription settings.
- Find the active subscription (Cleo Plus or Cleo Builder) and follow the in-app cancellation prompts.
- If you subscribed through the App Store or Google Play, cancel from your Apple/Google subscription settings to stop future charges.
Cancel via web or support
- If you manage a subscription on the web, sign in to your Cleo account and go to subscription settings to cancel.
- For refunds or subscription questions, review Cleo’s official refund info or contact support using the Cleo help pages.
- Useful links: Cleo Builder refund FAQ and Cleo Terms.
What happens when you cancel
Access and features
When you cancel, you generally retain access until the end of the current billing period paid at cancellation.
After the period ends, premium features tied to the subscription will no longer be available.
Data and account status
Cleo may retain account data per its terms for operational or legal reasons; see the terms for specifics.
If you want data removed, request account deletion according to the procedures in Cleo’s terms and support pages.
Will I get a refund?
Standard refund policy
Refunds are handled per Cleo’s refund policy and terms of service; standard subscriptions are often non-refundable after use.
For specific cases such as Cleo Builder, Cleo provides guidance on refunds in their FAQ and refund pages.
Exceptions and how to request a refund
- Exceptional circumstances (billing errors, unauthorized charges) may be eligible for refund review.
- To request a refund for Cleo Builder, follow the instructions in the official FAQ: Cleo Builder refund FAQ.
- Full refund and chargeback policies are described in Cleo’s refund policy and Terms of Service: Refund policy, Terms.
Cleo plans and pricing
Available plans
The main consumer plans listed by Cleo include Cleo Plus and Cleo Builder, billed monthly in USD with localized pricing available in app stores.
Estimated SGD conversions are shown for reference; check the App Store or Play Store for exact Singapore pricing.
Notes on pricing
Prices shown are in USD; exact S$ pricing is localized and may vary by platform and taxes.
For the most current plan details, refer to Cleo’s official terms and product pages.
| Plan | Price | = period | Features |
|---|---|---|---|
| Cleo Plus | US$5.99 (~S$8.10 est.) | monthly | Cash advances up to US$250, Equifax credit score tracking, budgeting tools |
| Cleo Builder | US$14.99 (~S$20.25 est.) | monthly | Includes all Plus features plus secured credit-builder card, higher cash advance limit (~US$500) |
Your consumer rights in Singapore
Relevant protections
Singapore consumers are protected against unfair trading practices under local laws such as the Consumer Protection (Fair Trading) Act.
These protections cover misleading representations, unfair contract terms, and certain unfair practices.
Next steps if you have a dispute
- Document charges, screenshots, and communications with Cleo before escalating.
- Contact the service first and request a resolution or refund per Cleo’s terms.
- If unresolved, consider contacting local consumer support such as the Consumers Association of Singapore (CASE) for guidance.
Customer experiences
Positive feedback
Many users praise Cleo for easy budgeting, helpful AI insights, and the convenience of cash advances on higher tiers.
Users also report that the app’s automated savings features can be effective for short-term goals.
Common complaints
Common issues reported include billing disputes, difficulty cancelling when subscribed via app stores, and mixed experiences with customer support response times.
Review platforms show a mix of positive and critical reviews; review details before subscribing.
Where to read reviews
You can view aggregated user reviews on public review sites to help set expectations.
Example review collection: Trustpilot Cleo reviews.
Documentation checklist
What to prepare before cancelling
- Account email and username used for the Cleo subscription.
- Proof of purchase (receipt from App Store / Google Play or Cleo confirmation email).
- Dates of billing and screenshots of the subscription page or charge on your bank statement.
Where to send requests
- Use in-app support or the email/contact method listed in Cleo’s Terms of Service for account issues: Cleo Terms.
- For Cleo Builder refund-specific queries, follow the FAQ guidance: Cleo Builder refund FAQ.
Common mistakes
Cancelling the wrong subscription
Users sometimes cancel the in-app Cleo account but forget to cancel the subscription through Apple or Google, which continues billing.
Always check your App Store / Google Play subscriptions page if you subscribed through those stores.
Not saving confirmation
Another common error is not saving the cancellation confirmation or failure reference; this complicates disputes later.
Always keep screenshots or email confirmations after cancelling and record dates and support reference numbers.
Comparative recap
Quick comparison
Below is a concise comparison of the consumer plans and their key differences to help with decisions.
Choose the plan that matches your need for cash advance limits, credit-builder features, and budget tools.
| Plan | Price | = period | Key differences |
|---|---|---|---|
| Cleo Free / Basic | Free | monthly | Basic budgeting and insights (no cash advances or credit-builder card) |
| Cleo Plus | US$5.99 (~S$8.10 est.) | monthly | Cash advances up to US$250, credit score tracking, enhanced budgeting tools |
| Cleo Builder | US$14.99 (~S$20.25 est.) | monthly | Includes Plus features plus secured credit-builder card and higher advance limit (~US$500) |
After cancelling
Confirmations to expect
Expect an email or in-app confirmation of cancellation and the date when your access will end (end of paid period).
If you do not receive confirmation, follow up with support and retain evidence of the request.
Useful links
- Terms of service and account procedures: Cleo Terms
- Refund information and policy: Refund policy
- Specific Cleo Builder refund FAQ: Cleo Builder refund FAQ
Address
Registered address
Cleo Singapore Pte Ltd
30 Mandai Estate, #02-08 Mandai Industrial Building, Singapore 729918
For service or legal notices
Use the registered address above for formal notices or refer to Cleo’s Terms for contact procedures: Cleo Terms.