Vocations · Job Skills

Know the last day
to cancel, before it passes

Enter the price, the billing cycle, the next renewal date and the notice the terms ask for, then paste the terms. The page pulls out the sentences about automatic renewal, cancelling, refunds and fees, checks the day counts they mention against what you entered, and works out the yearly cost and the real cancel-by date.

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Subscriptions

The worked example is made up: a yearly learning app with 14 days’ notice, a gym membership that wants 30 days in writing (the record says 10) and a weekly meal kit with a trial ending. The terms you paste stay on this page.

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What you get

Vocations · Job SkillsFree

What you finish with
A record per subscription: the service, price, cycle, renewal date, notice, trial end and how to cancel; the pasted terms; what you did, the confirmation and the date cancelled, with six checks. The key sentences pulled from the terms, the day counts they mention, the yearly cost, the cancel-by date and the days left; a printed page of key terms.
Who it is for
Students, young adults managing their first bills, families and anyone keeping track of subscriptions and memberships.
Format
Free browser tool with a saved record per subscription. Prints the key terms, the record, every subscription in a table or a blank form; downloads a spreadsheet (.csv); exports and imports a file.
Access
Free. No account, no sign-in and nothing to install. Everything you type stays in this browser; nothing is sent to Caveat.
Where it lives
The Job Skills space in Caveat Vocations.
Support
Questions about access, an order or a correction: team@caveatacademic.com.

How to use it

  1. Enter the price, billing cycle and next renewal date.
  2. Paste the renewal and cancellation part of the terms.
  3. Check the notice period against the day counts found.
  4. Cancel before the cancel-by date and keep proof.
  5. Check your next statement.

Add a subscription

Reading renewal terms

Working out the last day to cancel1Renewal dateThe day the next charge ismade2Notice periodDays the terms say you mustgive3Cancel-by dateRenewal minus notice: the realdeadline4MethodOnline, phone, mail or inperson5ProofConfirmation number, email ormailing receipt6StatementCheck the next one for achargeWorking out the last day to cancel1Renewal dateThe day the next charge is made2Notice periodDays the terms say you must give3Cancel-by dateRenewal minus notice: the real deadline4MethodOnline, phone, mail or in person5ProofConfirmation number, email or mailingreceipt6StatementCheck the next one for a charge
The deadline that matters is not the renewal date but the renewal date minus the notice the terms require.

What to look for

Automatic renewal (the charge repeats until you stop it), the notice period (how many days before renewal you must cancel), how you must cancel (online, by phone, in writing), cancellation or early termination fees, refunds for unused time and when a free trial turns into a paid plan. Price increases at renewal are common too: look for “then-current price”.

Your rights, in general terms

Under the federal Restore Online Shoppers’ Confidence Act, a business selling a subscription online must clearly disclose its terms before taking payment, get your consent to the charges and give you a simple way to stop them. Rules on notice and cancellation can also come from where you live, so if a business will not let you cancel, your state attorney general’s consumer office or the Federal Trade Commission can take a complaint.

Sources

  1. Federal Trade Commission. Restore Online Shoppers’ Confidence Act (ROSCA), 15 U.S.C. 8401–8405, and business guidance on negative option marketing (ftc.gov).
  2. Federal Trade Commission. Consumer advice: Free trial offers and subscriptions (consumer.ftc.gov).
  3. Consumer Financial Protection Bureau. Disputing a charge on your credit or debit card (consumerfinance.gov).
  4. Federal Trade Commission. ReportFraud.ftc.gov: how to report a business practice.

The worked example is made up, including the services and terms. The page finds sentences by keywords and works out dates from what you enter; the terms you agreed to are what count. It is not legal advice. Nothing you paste is sent to Caveat. Support: team@caveatacademic.com.