Cancel Simple: The Right Way

How to cancel Simple and protect your refund rights in new zealand

What Simple is and why you might want to cancel

Simple is a subscription-based financial service you manage entirely through its mobile app or website. Like most digital subscriptions, Simple automatically renews your plan at your next billing date unless you actively cancel beforehand. Understanding how the service works and your cancellation options is the first step toward taking control of your account.

How Simple operates and charges you

Simple handles all account management online. You subscribe, manage your plan, and contact support through the app, the website, or through platform stores like the Apple App Store and Google Play. Your billing is processed by whichever channel you used to sign up: Apple, Google, or Simple directly. This matters because each platform has different cancellation procedures and refund policies.

A critical fact: Simple does not operate a publicly listed New Zealand postal address for cancellations. All cancellation requests must be submitted online through your account or the platform where you subscribed.

Common reasons to cancel Simple

You might cancel Simple because you no longer need the service, you want to try a competitor, your financial circumstances have changed, or you feel you are not getting value from your subscription. Whatever your reason, you have the right to cancel without penalty or pressure. Tocancel.com exists to walk you through this process clearly and help you avoid costly mistakes.

Your consumer rights under new zealand law

New Zealand's Consumer Guarantees Act 1993 and Fair Trading Act 1986 protect you when you purchase services, including digital subscriptions like Simple. These laws are your legal foundation for cancellation and refunds.

What the consumer guarantees act means for you

Under the Consumer Guarantees Act, you have the right to receive a service that is of acceptable quality and fit for purpose. You also have the right to receive accurate information about what you are buying before you purchase, and you are entitled to a refund or replacement if the service fails to meet these guarantees.

This is important: if Simple has not performed as advertised or promised, you may be entitled to a refund even if the standard refund window has passed. Your legal position is strong if the service does not deliver what was promised. Keep records of any issues, complaints, screenshots, or emails as evidence if you need to escalate your request to the Commerce Commission.

Your right to cancel and cooling-off periods

The Fair Trading Act requires digital services to offer you a 7-day cooling-off period if you purchase directly from the provider and not via a third-party platform. If you cancel Simple within 7 days of purchasing directly through Simple's website, you should be entitled to a full refund, regardless of whether you have used the service.

For subscriptions purchased through the Apple App Store or Google Play, those platforms' own terms govern your refund rights. Apple typically offers a 14-day window for app subscriptions, while Google Play offers up to 48 hours. These are shorter than the 7-day cooling-off period for direct purchases, so timing matters if you subscribed through an app store.

How to cancel Simple: step-by-step by platform

Your cancellation method depends on where you purchased your subscription. Tocancel guides you through each option to ensure you cancel correctly the first time and do not miss the refund window.

Cancel Simple via the apple app store (iOS)

If you subscribed to Simple through the Apple App Store on your iPhone or iPad, follow these steps to disable auto-renewal and stop future charges.

1. Open the Settings app on your iPhone or iPad.
   • Scroll down and tap your name at the top of the Settings menu.
   • Tap Subscriptions.
2. Find and select Simple from your active subscriptions list.
   • You will see your current subscription plan, renewal date, and billing amount.
3. Tap "Cancel Subscription" or the red "Edit" button, then choose to remove auto-renewal.
   • Confirm the cancellation when prompted.
   • You should receive an on-screen confirmation immediately.
4. Save your confirmation screen or receipt for your records.
   • You will retain full access to Simple until the end of your current billing period.
   • After that date, your subscription will not renew.
5. If you purchased within 14 days, request a refund immediately in the same Settings menu.
   • Tap "Report a Problem" under the Simple subscription entry.
   • Select the reason for your refund request and submit.
   • Apple typically responds within 24-48 hours.

Cancel Simple via google play (Android)

If you subscribed to Simple through Google Play on an Android device, follow these steps to stop auto-renewal.

1. Open the Google Play Store app on your Android device.
   • Tap your profile icon in the top right corner.
   • Select "Manage subscriptions" or "Payments and subscriptions".
2. Find and tap Simple in your active subscriptions list.
   • You will see your plan details, renewal date, and billing amount.
3. Tap "Cancel subscription" and confirm your choice.
   • You will receive on-screen confirmation immediately.
4. Take a screenshot of your cancellation confirmation.
   • You will retain access to Simple until the end of your current billing period.
   • After that date, no further charges will occur.
5. If you purchased within 48 hours, request a refund through Google Play.
   • Return to the Simple subscription entry and tap "Report a problem".
   • Select "I want a refund" and provide your reason.
   • Google typically processes refunds within 24 hours.

Cancel Simple via direct website or app account

If you subscribed directly through Simple's website or app (not via an app store), follow these steps to cancel and request a refund if eligible.

1. Log in to your Simple account via the app or website.
   • Use the email address and password you registered with.
2. Navigate to your account settings or subscription management section.
   • Look for "Subscription", "Billing", "Account", or "Settings" in the menu.
   • If you cannot find this section, use the in-app or website support widget to ask for the exact location.
3. Select your active subscription plan.
   • You will see your billing frequency, renewal date, and payment method.
4. Tap or click "Cancel subscription" and confirm your choice.
   • You may be asked to provide a reason for cancellation; answer honestly to help Simple improve.
   • You should receive an on-screen and email confirmation immediately.
5. If you purchased within 7 days, request a refund immediately.
   • Use the in-app or website support widget to submit a refund request.
   • Include your cancellation confirmation number and the reason you believe you qualify for a refund under the Fair Trading Act.
   • Simple typically responds within 5-10 business days.
6. Keep all confirmation emails and receipts in a safe folder.
   • You may need these as evidence if you escalate your request to the Commerce Commission.

What happens after you cancel Simple

After you submit your cancellation, it is important to understand what occurs next so you can plan your finances and avoid unexpected charges.

Your access and billing timeline

Once you cancel Simple, you retain full access to the service until the end of your current billing period. After that date, your account will be deactivated and no further charges will occur. This means if you cancel on the 15th of a month but your billing date is the 30th, you will continue to have access until the 30th.

You should check your bank or credit card statement in the weeks after cancellation to confirm no additional charges appear. If a charge does appear after your cancellation date, contact Simple immediately and escalate to your bank if needed.

Contacting Simple support if charges continue

If Simple continues to charge you after your cancellation date, do not ignore it. Contact Simple through the support widget in the app or on its website immediately. Provide your cancellation confirmation number and the date you cancelled.

If Simple does not respond within 5 business days or refuses to refund unauthorised charges, you can escalate your complaint to the Commerce Commission, New Zealand's consumer authority. The Commerce Commission can investigate and force Simple to refund you if the charges were wrongful.

Your refund eligibility and how to claim

Your refund eligibility depends on when you purchased, where you purchased, and whether the service has performed as promised. Tocancel helps you understand your position so you can claim confidently.

Refund windows by purchase method

How to submit a refund request

Your refund request method depends on your purchase channel. For Apple App Store purchases, use Apple's "Report a Problem" feature in Settings. For Google Play purchases, use Google's refund request option in the Play Store app. For direct website purchases, contact Simple support through the in-app or website widget.

When submitting a refund request, be clear and factual. State the date you purchased, the amount charged, and your reason (for example: "I cancelled within the 7-day cooling-off period" or "The service does not match the advertised features"). Keep your request brief and professional. Include your order confirmation number or subscription ID if available.

Platform refunds (Apple and Google) are typically processed within 24-48 hours. Direct refunds from Simple may take 5-10 business days. If you do not receive a response within these timeframes, follow up with another request.

Common mistakes that cost you money

Many people cancel correctly but still lose money because they miss key details. These mistakes are easy to avoid if you know what to watch for.

Missing the refund window

The most costly mistake is waiting too long to request a refund. If you subscribed via Google Play, your refund window closes after 48 hours. If you subscribed via Apple, it closes after 14 days. If you subscribed directly, it closes after 7 days. Once the window closes, the company is not obligated to refund you, even if you cancelled immediately.

Solution: submit your refund request on the same day you cancel, or within 24 hours at the latest. Do not assume you have time.

Cancelling but not disabling auto-renewal

Some people believe that requesting a refund is the same as cancelling the subscription. It is not. You must separately disable auto-renewal to stop future charges. If you request a refund but do not cancel auto-renewal, the company will still charge you next month.

Solution: always complete both actions: cancel auto-renewal first, then request a refund if eligible. Verify in your subscription settings that the status shows "Cancelled" or "No auto-renewal".

Not saving confirmation records

If you need to escalate your complaint to the Commerce Commission, you will need proof of your cancellation request and any refund claim. Screenshots and email confirmations are your only evidence.

Solution: take a screenshot of your cancellation confirmation immediately after you cancel. Save all confirmation emails to a dedicated folder. If you use web-based email, create a label or filter so these emails are easy to find later.

Ignoring unexpected charges after cancellation

If a charge appears on your statement weeks or months after you cancelled, some people assume it is a mistake and ignore it, hoping it will go away. It rarely does. You have the right to dispute it.

Solution: contact your bank or credit card provider immediately and report the charge as unauthorised. Most banks will reverse the charge and investigate on your behalf. Keep Simple's refusal or non-response in writing as evidence.

Pricing and billing summary

Understanding Simple's cost structure helps you decide whether the service is worth paying for, or whether cancellation is the right choice.

Because Simple's current pricing is not publicly listed online, visit tocancel.com or log into your Simple account to see your exact plan cost and billing date. This information is essential for your cancellation timeline.

Should you keep or cancel Simple?

Before you cancel, consider whether Simple is truly not meeting your needs or whether a temporary adjustment might work better.

Reasons to keep Simple

• You use the service regularly and find it helpful for your financial goals.
• You have already invested time in setting up your account and linking your bank details.
• You believe the service will improve or add features you need in the coming months.
• You are testing it and have not yet given it a fair trial.

Reasons to cancel Simple

• You do not use the service and do not see yourself using it in the future.
• A competitor offers similar or better features at a lower cost.
• The service is not compatible with your bank or financial situation.
• You have experienced technical issues or poor customer support and Simple has not resolved them.
• You can no longer afford the subscription due to changed circumstances.

If you are cancelling because of poor service quality or unresolved technical issues, document everything. This strengthens your case if you need to claim a refund under the Consumer Guarantees Act through the Commerce Commission.

Key checklist before and after cancellation

Use this checklist to ensure you cancel correctly and do not miss any steps that could cost you money.

• I know which platform I subscribed through (Apple App Store, Google Play, or Simple directly).
• I know my exact billing renewal date and plan cost.
• I have logged into my account and found the subscription cancellation menu.
• I have cancelled auto-renewal and received on-screen confirmation.
• I have saved my cancellation confirmation number and taken a screenshot.
• If I purchased within the refund window, I have submitted a refund request and have the confirmation.
• I have saved all confirmation emails to a safe folder.
• I have checked my bank or card statement 1-2 weeks later to confirm no additional charges.
• If a charge appeared, I reported it to my bank immediately as unauthorised.
• If Simple refused my refund, I have documented their response in writing.

How tocancel can help you cancel Simple confidently

Cancelling a digital subscription should be simple and straightforward. Yet thousands of New Zealanders lose money or struggle with confusing cancellation processes every month. Tocancel.com exists to change that.

Tocancel is a consumer rights resource dedicated to helping you understand your legal position when cancelling any subscription service in New Zealand. We translate complex consumer law into plain language, we provide step-by-step cancellation guides, and we remind you of the consumer protections you have under New Zealand law.

Whether you are cancelling Simple, another financial app, or any digital subscription, Tocancel ensures you know your rights, meet your refund deadlines, and have the confidence to escalate your complaint if the company refuses to cooperate. We believe every consumer deserves to cancel without losing money or facing pressure.

Tocancel has helped thousands of consumers cancel subscriptions and recover refunds they thought were lost. Your situation is likely not unique, and there is a clear legal path forward. Visit tocancel.com today to access more guides, compare services, and learn how to protect yourself if your cancellation request is refused.

Contact information and next steps

If Simple does not respond to your cancellation or refund request within the timeframes stated in this guide, or if you believe Simple has breached the Consumer Guarantees Act, you have the right to escalate your complaint.

How to contact Simple

Because Simple does not publish a postal address in New Zealand, all contact must be made online through the app or website support widget, or via email if an email address is provided in your account. When you contact Simple, include your order confirmation number, the date you cancelled, and a clear description of your issue.

Escalate to the commerce commission

If Simple does not respond or refuses your refund claim, contact the Commerce Commission, New Zealand's consumer protection authority. The Commerce Commission can investigate complaints about misleading conduct, breaches of the Fair Trading Act, and failures to comply with the Consumer Guarantees Act.

File a complaint online at www.comcom.govt.nz or call 0800 943 600. Have your cancellation confirmation, refund request records, and Simple's response (or lack of response) ready when you contact them.

Get support from tocancel

If you are unsure about your rights or need help understanding a response from Simple, Tocancel.com provides free consumer rights guidance for New Zealand readers. Check tocancel.com for detailed guides on your legal position, and return to this page for step-by-step cancellation instructions whenever you need them. Tocancel is here to empower you to cancel confidently and recover the money you are entitled to.