Cancellation and refunds
How to stop paying, and what happens when you do.
You can cancel any time. You keep what you've paid for until the end of that period, and nothing you've added is ever deleted because a plan ended.
Updated September 2026. The terms of service say the same thing.
At a glance
- Cancel
- Any time, from Plan and billing in your settings.
- When it stops
- At the end of the period you've paid for. No further charges.
- Refunds
- We don't refund payments already made, on any plan.
- If a payment fails
- We try your card again. If it still can't be paid, your plan moves to Free.
- Your record
- Never deleted by any of this. Download your full item list any time, on any plan.
How to cancel
Open Plan and billing in your settings and choose Cancel plan. You don't need to give a reason, and you can start it again from the same screen any time before your plan ends.
If you share a household, cancelling needs its owner or an admin, the same people who can buy a plan for it.
If you'd rather not, or the screen won't open, write to us from the email address on your account, through the contact form or at hello@indemnia.ai, and we'll do it for you.
What happens when you cancel
Your plan keeps working until the end of the period you've already paid for: the end of the month on a monthly plan, or the end of the year on an annual one. You won't be charged again.
After that, your household moves to Free. Free finds up to 150 items for you from your email and photos, and reads the most recent 12 months of email. If we've already found more than 150, you keep every one of them; we just stop adding new ones that way until you're under the limit or back on Indemnia Home. Anything you type in yourself is never limited.
Refunds
We don't refund payments that have already gone through, on any plan, monthly or annual. That's why cancelling takes effect at the end of your period instead of straight away: you keep what you paid for.
Annual plans renew automatically each year at the price on our pricing page. If you don't want the next year, cancel before the renewal date.
If we've charged you by mistake, such as twice for the same period or after you'd already asked to cancel, write to us and we'll put it right.
If a payment fails
If your card is declined at renewal, your plan stays active while we try the card again over the following weeks. If you'd like to pay with a different card, write to us and we'll help you switch.
If it still can't be paid after the last try, your plan ends and your household moves to Free, exactly as if you'd canceled. Nothing you've added is deleted.
Plans for public adjusters
Firm plans are monthly and work the same way: cancel any time, the plan runs to the end of the month you've paid for, and there are no refunds for months already paid.
Your record stays yours
Whatever plan you're on, you can download your full item list, and nothing you've added is deleted when a plan ends. Ending a plan limits what Indemnia does next. It never takes back what you've already built. What we do with your data covers the rest.
A question about a charge?
Write to us before you go to your bank. A person reads every message, and a charge we got wrong is quicker for us to fix than a dispute is for you.