Cancelling Your Subscription

Quick Answer

You can cancel any time from Settings > Plans > Manage subscription. Your paid features stay active until the end of the current billing period, then your account drops back to the Free tier. Nothing is deleted.

How to Cancel

Sign in to NivoaFlow
Open Settings
Select Plans
Select Manage subscription — this opens the secure Stripe Customer Portal
Choose Cancel plan and follow the on-screen confirmation

You will receive an email from Stripe confirming the cancellation, including the date your access ends.

What Happens Immediately

Your subscription is marked as cancelled at period end
You keep full access to all paid features until your current_period_end date — this is the date your last payment covers
You will not be charged again
Nothing in your account changes the moment you cancel

If you cancelled by mistake, you can reactivate from the same Stripe portal before the period ends — see below.

What Happens at the End of the Period

When your billing period ends, your account reverts to the Free tier:

Premium features are paused — bank sync, AI categorisation, reports, tax tracking, forecasting, dashboard widgets, household sharing
Existing data is preserved exactly as it was — accounts, transactions, categories, rules, budgets, goals, history
You can keep using the Free-tier features (manual CSV import, categorisation rules, goal tracking, net worth tracking, envelope budgeting)

See Subscription Plans and Pricing for what each tier includes.

Data Retention

Cancelling does not delete anything. We keep your data indefinitely so that resubscribing later picks up exactly where you left off. Bank connections are paused rather than removed; reports and dashboards are preserved but inaccessible until you upgrade again.

If you actually want your data removed, that is a separate process — see Deleting Your Account.

Reactivating

You can resubscribe any time:

Go to Settings > Plans
Select the tier you want
Complete checkout

Everything reconnects automatically — your previous categories, rules, learned patterns, household membership, and history are all still there.

If you reactivate before your current period ends, you can do so directly from the Stripe portal without paying again until your next renewal date.

Cancellation vs. Account Deletion

These are different actions with very different outcomes:

	Cancel Subscription	Delete Account
Affects billing	Yes — no future charges	Yes — no future charges
Premium access	Ends at period end	Ends immediately
Data	Preserved indefinitely	Permanently removed through our PIPEDA-aligned deletion process
Reactivation	Resubscribe any time, no data loss	Cannot be undone

If you only want to stop paying, cancel. If you want your data gone, see Deleting Your Account.

Refunds

We generally do not issue partial-period refunds. If you believe you were charged in error (for example, a duplicate charge), email support@nivoaflow.com with your account email and the charge date and we will review it.

For full policy details, see Cancellation and Refund Policy.