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You can cancel your advisor subscription at any time. This article covers the cancellation process, what happens to your practice data and client connections, and Policy Stack's refund policy.
Cancellation does not take effect immediately. You retain full access to your advisor account until the end of your current billing period. No further charges are made after cancellation is confirmed.
After you confirm cancellation but before the billing period ends:
When the billing period expires, your account enters a Frozen state:
| Capability | Status |
|---|---|
| Advisor dashboard | Read-only |
| Client data | Viewable but not editable |
| New client invitations | Disabled |
| Public directory profile | Hidden |
| AI Insights | Disabled |
Your clients are not locked out of Policy Stack when you cancel:
Cancelling your advisor subscription does not delete or modify any client data. Clients who were connected to your practice keep every policy, snapshot, deployment, and loan repayment schedule they recorded.
After cancellation, your practice data — client notes, pipeline records, workflow templates, and practice settings — is retained for 90 days. During this window, you can reactivate your subscription and restore everything.
After 90 days, practice-level data is permanently deleted. This does not affect client-owned data, which remains in their accounts indefinitely.
Refund eligibility depends on your billing cycle:
| Billing Type | Refund Policy |
|---|---|
| Monthly | No refunds — access continues through the end of the billing period |
| Annual | Prorated refund for unused full months remaining on the annual term |
Annual refunds are calculated based on the number of full months remaining after the current month. Partial months are not refunded.
If you decide to return after cancelling, you can reactivate from the Frozen state:
If you reactivate within 90 days of cancellation, all your practice data — client notes, pipeline records, and settings — is fully restored. After 90 days, you start with a fresh practice while previously connected clients can be re-invited.
Policy Stack is a tracking and visualization tool. It does not provide financial advice, recommendations, or opinions on what you should do with your banking system.
Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute.
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