Cancel Topstep: Your Complete Guide

How to cancel Topstep and reclaim control of your trading account in new zealand

Understanding Topstep and why traders decide to leave

Topstep is an online futures trading evaluation platform that invites you to prove your trading skills through a simulated challenge before gaining access to a funded trading account. The service provides real-time market data, structured risk-management rules, educational resources, and one-to-one coaching to help you qualify for live capital.

You may have signed up for the Topstep Trading Combine subscription with genuine intent, only to discover that the platform, the evaluation process, or the trading lifestyle itself no longer aligns with your goals. Whether you've realised trading isn't your path, found a competitor better suited to your needs, or simply need to pause your commitment, cancelling your subscription is a straightforward right you hold as a New Zealand consumer. Tocancel understands that deciding to leave a service takes clarity-and acting on that decision should be just as clear.

What Topstep services include

Topstep operates a web-based dashboard where you manage your account, track your progress through the evaluation, review billing, and handle payment methods. The platform also delivers educational content via TopstepTV, provides personalised coaching sessions, and supplies live trading tools alongside risk-control safeguards designed to protect your capital during evaluation.

When you cancel, you lose access to live market data feeds, the Trading Combine evaluation pathway, and the dashboard itself. Your evaluation history and account records typically remain stored in Topstep's system unless you formally request complete account deletion-a choice you control independently from subscription cancellation.

Core reasons traders cancel in new zealand

New Zealand traders most commonly cancel Topstep when evaluation fees accumulate faster than expected, when they fail to meet the evaluation targets within their timeframe, when they decide to switch to a different futures broker, or when personal circumstances shift and trading moves down their priority list. Some traders also cancel because they've already qualified for a funded account and no longer need the evaluation service.

Understanding your specific reason helps you choose the right cancellation method and ensures you don't lose access to features you may still need-or fail to recover funds you're entitled to claim.

Your consumer rights under new zealand law

Before you cancel, know what legal protections you hold as a New Zealand consumer using Topstep's service.

Consumer guarantees act and your legal position

The Consumer Guarantees Act 1993 is your foundational legal safeguard whenever you purchase goods or services in New Zealand. Under this Act, you have the right to expect that any service you pay for is supplied with due care and skill, is fit for purpose, and is safe to use. If Topstep fails to meet any of these guarantees-for example, if the platform crashes during a critical trading session, if the data feed malfunctions, or if promised coaching never materialises-you have grounds to request a remedy, refund, or replacement service even if Topstep's own cancellation terms say otherwise.

Your legal position is strong: Topstep cannot hide behind their terms and conditions if they breach a consumer guarantee. If you believe Topstep has failed to supply the service as advertised or with reasonable care, document the failure and escalate to the Commerce Commission if the company refuses to act. Tocancel recommends photographing error messages, saving email confirmations, and recording the dates and times of any service interruptions-this evidence becomes crucial if you need to lodge a formal complaint.

Refund rights and dispute resolution

New Zealand law does not require online service providers to offer refunds simply because you've changed your mind. However, Topstep advertises a 14-day Satisfaction Guarantee, which strengthens your position significantly. If you cancel within 14 days of purchase and Topstep refuses to refund your subscription fee, you can lodge a dispute with the Commerce Commission or, depending on the nature of the service, with the Financial Markets Authority (FMA).

Keep records of all transactions, communications with Topstep support, and any evidence of service failures. These documents transform a weak refund request into a credible claim. If Topstep blocks your refund without justification, Tocancel advises you to escalate formally-the Commerce Commission takes seriously any breaches of advertised guarantees.

Cancellation methods available to you

Topstep offers multiple ways to cancel your subscription, each with distinct outcomes and timelines. Choosing the right method prevents accidental continued billing and ensures you keep access to your account data if you choose.

Cancel via the web dashboard (the fastest method)

If you access Topstep through their web interface, you can cancel your Trading Combine subscription directly from your billing page in under five minutes.

1. Log into your Topstep account
   • Visit the Topstep login page and enter your email address and password.
   • Navigate to the home dashboard once authenticated.
2. Open your profile menu
   • Click "My Profile" in the main navigation bar at the top of the dashboard.
   • A dropdown menu appears with several options.
3. Select the Billing section
   • Click "Billing" from the dropdown menu.
   • Your subscription overview loads, showing all active subscriptions and their renewal dates.
4. Find your Trading Combine subscription
   • Locate your active Trading Combine subscription in the list.
   • Hover your mouse over the subscription row-three vertical dots (a menu icon) appear on the right.
5. Open the cancellation menu
   • Click the three vertical dots to reveal your options.
   • Two choices appear: "Cancel Subscription" and "Pause Subscription".
6. Choose your cancellation type
   • Select "Cancel Subscription" to end your subscription at the end of your current billing cycle (you retain access until that date).
   • Alternatively, select "Pause Subscription" if you want to suspend billing temporarily without losing your account or evaluation progress.
7. Confirm your cancellation
   • Topstep displays a confirmation screen summarising your choice and the effective cancellation date.
   • Click "Confirm" to finalise the cancellation.
8. Receive confirmation email
   • Topstep sends a confirmation email to your registered address within minutes.
   • Save this email as your proof of cancellation.

This method is instant, leaves a digital trail, and requires no back-and-forth with customer support. Your dashboard access continues until your billing cycle ends, allowing you to download any records or evaluation results you need before losing access.

Cancel via email support

If you encounter technical difficulties with the dashboard or prefer written confirmation, you can request cancellation via email.

1. Compose a cancellation email
   • Open your email client and address the message to Topstep's support team.
   • Include your full name, registered email address, and account ID (visible on your dashboard).
   • State clearly: "I request immediate cancellation of my Trading Combine subscription effective [today's date or your preferred date]".
2. Request confirmation
   • Ask Topstep to confirm cancellation in writing and specify the date your access will end.
   • Ask for confirmation that no future charges will be applied.
3. Send and retain a copy
   • Send the email and keep a copy for your records.
   • Note the date and time you sent it.
4. Wait for written confirmation
   • Topstep typically responds within 24 to 48 hours.
   • Once you receive a cancellation confirmation email from Topstep, your subscription is formally cancelled.

Email cancellation creates a documented chain of communication, which is valuable if Topstep later disputes whether you cancelled or claims they never received your request. This method takes slightly longer than the dashboard method but offers stronger legal protection.

Postal cancellation (the formal backup)

If Topstep does not respond to your email or dashboard cancellation within 14 days, or if you believe the company is ignoring your cancellation request, you may send a formal written cancellation notice by post to their registered corporate address in the United States. Although Topstep does not maintain a dedicated New Zealand postal address, you can use their U.S. mailing address for important legal correspondence.

Topstep's registered U.S. address is as follows:

Topstep
Corporate Headquarters
Address: [To be confirmed via official Topstep website or support contact]

When you send a postal cancellation, include:

• Your full legal name and registered Topstep email address.
• Your account ID (available from your dashboard).
• The date you wish cancellation to take effect.
• A clear statement: "I formally cancel my Trading Combine subscription effective immediately" or your preferred date.
• A request for written confirmation of cancellation and confirmation that no future charges will occur.
• Send the letter via registered post or a courier service that provides proof of delivery (such as DHL or FedEx).

Keep your proof of posting. Postal cancellation is your formal safety net-if Topstep later claims you never cancelled, you have evidence that you did. This method is slower (typically 7 to 14 days for international mail) but creates an irrefutable legal record.

Refunds and what you can claim

Your refund rights depend on your cancellation timing, Topstep's advertised guarantee, and whether you can demonstrate a service failure.

Refunds within the 14-day satisfaction guarantee

Topstep advertises a 14-day Satisfaction Guarantee. If you cancel your subscription within 14 days of purchase and have not yet used the platform substantially, you are entitled to a full refund of your subscription fee. To claim this refund, you must contact Topstep support and explicitly state that you are claiming the satisfaction guarantee. Do not simply cancel-request the refund in writing (via email or post) with the date of your original purchase clearly stated.

Topstep will process your refund to your original payment method within 5 to 10 business days. If the refund does not appear within 10 business days, contact your bank or credit card provider and initiate a chargeback or dispute if necessary. Tocancel advises taking a screenshot of your Topstep account showing the cancellation and the original charge date-this strengthens your position with your financial institution.

Refunds after 14 days

After 14 days, Topstep's standard terms do not require a refund. However, if you can demonstrate that Topstep failed to deliver the service as promised-for example, if the platform was unavailable for extended periods, if the trading tools malfunctioned, or if coaching was not provided as advertised-you have grounds to request a partial or full refund under the Consumer Guarantees Act. Document all service failures with screenshots, error logs, and emails to support, then submit a formal dispute with evidence to Topstep management or the Commerce Commission.

If Topstep refuses, escalate to the Commerce Commission, which has the power to compel refunds and impose penalties on companies that breach consumer guarantees.

Pricing and what you are paying for

Understanding Topstep's costs helps you decide whether cancellation is the right choice and what refund you might claim.

Your actual costs depend on which products you subscribed to and how long you held your subscription. Review your most recent billing statement to confirm exactly what you are being charged for, then cross-reference it with what Topstep delivered. If there is a mismatch, you have grounds for a dispute or partial refund claim.

What happens after you cancel

Cancellation does not happen instantly-understanding the timeline prevents confusion and unwanted charges.

Immediate effects of cancellation

The moment you confirm your cancellation (via dashboard, email, or post), Topstep logs the request in their system. However, your access to the platform continues until the end of your current billing cycle. This means you can still log in, review your trading history, download evaluation records, and use the dashboard tools until your final billing date passes. This grace period is valuable-use it to export any data you need.

No further charges are applied after your cancellation date, provided you cancelled before your next billing cycle began. If you see a charge after your cancellation confirmation date, contact Topstep immediately or dispute the charge with your bank.

Access loss and data retention

On the day after your final billing cycle ends, Topstep disables your account access. You can no longer log in, download records, or trade. Your account data (evaluation history, trading results, account statements) remains stored on Topstep's servers, but you cannot retrieve it via the dashboard. If you need any account data after cancellation, download it before your access expires or request an export from Topstep support before your access ends.

If you want Topstep to permanently delete all your personal data (name, email, payment information, trading records), you can submit a formal data deletion request under the Privacy Act 2020. Topstep is required to delete personal data upon request unless they have a legal reason to retain it. Make this request in writing (email or post) and ask for written confirmation once deletion is complete. Tocancel recommends keeping this confirmation for your privacy records.

Common mistakes when cancelling and how to avoid them

Cancelling a trading platform feels straightforward, but missteps can lock you into unwanted charges or cost you a refund you were entitled to claim. Here are the pitfalls most traders encounter-and how to sidestep them.

Mistake 1: cancelling without first requesting a refund

Many traders cancel their subscription without realising they can claim a refund under the 14-day satisfaction guarantee. Once you click "Cancel", you lose your chance to invoke the guarantee. Always contact Topstep support first, state your reason for leaving, and explicitly ask whether you qualify for a refund before you cancel. If they refuse, then proceed with cancellation. This sequence protects your financial interests.

Mistake 2: confusing "Pause" with "Cancel"

Topstep's dashboard offers two options: "Pause Subscription" and "Cancel Subscription". If you click "Pause", your subscription is suspended but not ended-you are still liable for charges when the pause period expires (typically 30 days). If your intention is to leave permanently, always select "Cancel Subscription", not "Pause". Tocancel has helped thousands of consumers avoid unwanted charges by understanding this distinction before they click.

Mistake 3: cancelling via the dashboard but not keeping proof

When you cancel via the Topstep dashboard, a confirmation screen appears and an email is sent to you. If you close the browser without screenshotting the confirmation and you miss or delete the confirmation email, you have no proof you cancelled if Topstep later disputes it. Always screenshot the cancellation confirmation screen and save the confirmation email in a dedicated folder. This proof is essential if you need to escalate a dispute.

Mistake 4: waiting until after the billing cycle renews

Topstep renews your subscription automatically at the start of each billing cycle. If you wait until after the renewal charge posts, you have already paid for another cycle and will need to request a refund rather than simply avoiding the charge. Cancel as soon as you decide to leave-do not procrastinate. Tocancel recommends setting a phone reminder the moment you decide to cancel, so you act before the next billing date arrives.

Mistake 5: not downloading your data before access expires

After cancellation, your dashboard access ends on your final billing date. Once that date passes, you cannot retrieve your evaluation records, trading results, or account statements. If you need these for tax purposes, to provide evidence to another trader, or for your records, download them immediately after you cancel. Topstep may provide an export function in your settings-use it. If no export function exists, take screenshots of your trading history and save them as PDFs before your access expires.

Cancellation checklist for new zealand traders

Use this checklist to ensure you cancel correctly and protect your rights throughout the process.

• Step 1: Review your billing statement to confirm the cost of your subscription and the renewal date.
• Step 2: Check whether you are within 14 days of purchase; if so, note that you qualify for the satisfaction guarantee refund.
• Step 3: Contact Topstep support and request a refund, citing the 14-day guarantee if applicable.
• Step 4: If Topstep refuses a justified refund, note the date, time, and the support agent's name for escalation.
• Step 5: Log into your Topstep dashboard and navigate to Billing > My Profile.
• Step 6: Locate your Trading Combine subscription, click the three vertical dots, and select "Cancel Subscription".
• Step 7: Screenshot the cancellation confirmation screen before closing your browser.
• Step 8: Save the cancellation confirmation email that Topstep sends you within minutes.
• Step 9: Download any trading records, evaluation history, or account data you need before your access expires.
• Step 10: Verify that no charge appears on your next billing date; if one does, contact your bank immediately.
• Step 11: If Topstep does not honour your cancellation or refund, file a complaint with the Commerce Commission at www.comcom.govt.nz.

Following this checklist from start to finish protects your money, documents your cancellation, and prepares you for escalation if Topstep refuses to comply.

Should you cancel or pause instead

Cancellation is not always the best choice-sometimes pausing is wiser. Use this table to decide what fits your situation.

If you are genuinely uncertain, pause for 30 days. This decision is reversible and costs you only the pause period. Once a subscription is cancelled, reactivating it requires a fresh purchase. Choose pause when doubt remains; choose cancel only when you are certain.

Escalation: what to do if Topstep refuses to cancel or refund

Topstep's customer support is usually responsive, but occasionally a trader encounters resistance, delayed responses, or refusal to honour a valid cancellation or refund request. If that happens to you, escalate formally.

Step 1: request management review

Send a formal email to Topstep's management team (not the frontline support agent) stating that you are requesting an escalation and management review of your cancellation and refund request. Include all previous correspondence, screenshots of your proof of cancellation, your billing dates, and a clear explanation of why you believe your refund request is valid. Set a 7-day deadline for Topstep to respond. This formal approach often triggers a rapid resolution because companies take documented escalation requests seriously.

Step 2: lodge a complaint with the commerce commission

If Topstep does not resolve your complaint within 7 days of your escalation email, file a formal complaint with the Commerce Commission of New Zealand. The Commerce Commission enforces consumer protection law and has the power to investigate breaches of the Consumer Guarantees Act, compel refunds, and impose financial penalties on companies. You can file a complaint free of charge via www.comcom.govt.nz. Tocancel recommends including copies of all communications, screenshots, and your timeline-the Commission will review your case and may contact Topstep on your behalf.

Step 3: dispute the charge with your bank

If Topstep continues to charge you after you have cancelled, or if they refuse to refund a justified claim, you can dispute the charge directly with your bank or credit card provider. This is called a "chargeback" or "payment dispute". Your bank will investigate and may reverse the charge or contact Topstep to demand justification. To succeed in a chargeback, provide your bank with proof of cancellation (email confirmation, screenshot), proof of the charge, and evidence that Topstep refused your valid refund request. Most banks rule in your favour if you have documented evidence.

Do not skip the first two steps-only initiate a chargeback if Topstep ignores the Commerce Commission or your own escalation attempts. However, know that it is available to you and your bank will support you if your case is strong.

Final comparison: Topstep cancellation methods side by side

To help you choose the fastest, safest, and most effective cancellation method, review this side-by-side comparison.

Most New Zealand traders benefit from cancelling via the web dashboard-it is instant, leaves a clear digital trail, and requires no waiting. Reserve email and postal methods for situations where the dashboard method fails or you need stronger legal documentation.

How to contact Topstep if dashboard cancellation fails

If you cannot access the Topstep dashboard, encounter a technical error during cancellation, or need to speak directly with support, use these contact methods:

Email support

Send your cancellation request to Topstep's support email address (check your account welcome email or the Topstep website for the current address). Include your full name, registered email address, and account ID. Request a written confirmation of cancellation and the effective date.

Postal address for formal correspondence

If email support does not respond within 48 hours, or if you require formal cancellation documentation, send a registered letter to Topstep's corporate headquarters in the United States. Although Topstep does not maintain a dedicated New Zealand postal address, their U.S. headquarters is the official address for legal correspondence and formal cancellations:

Topstep Inc.
Corporate Offices
[Confirm current address via Topstep website or recent account statement-postal addresses change occasionally]

Include your full name, email address, account ID, and a clear statement requesting immediate cancellation of your Trading Combine subscription. Ask for written confirmation that no further charges will be applied. Send via registered post or international courier (DHL, FedEx) and retain your proof of posting.

Your path forward: take action now

Cancelling Topstep is straightforward if you know your rights, choose the right method, and follow the steps in order. You hold the power here-Topstep cannot force you to remain a subscriber, and New Zealand's Consumer Guarantees Act protects you if the service fails to meet its promises.

The fastest path forward is to log into your Topstep dashboard now, navigate to Billing, and click "Cancel Subscription" alongside your Trading Combine plan. Screenshot your confirmation, save the confirmation email Topstep sends, and download any records you need before your access expires. If Topstep refuses a valid refund or disputes your cancellation, escalate to the Commerce Commission-they exist to enforce your rights.

Tocancel has helped thousands of consumers cancel trading platforms, SaaS subscriptions, and online services by standing firmly on their legal rights and following a clear, documented process. You are not locked in, and you are not powerless. Take action today, and you will be free from Topstep's charges within days.