Cancellation and Frozen State

The Client Impact

When your account freezes, every seat you've assigned ends at the same moment. Each client:

• Receives a seat-loss email with a 20% off coupon (ADVISOR_TRANSITION) for self-pay annual Builder Pro
• Sees a billing notice on next login walking them through the change
• Keeps Builder Pro for seven days, then continues on Starter if no self-pay subscription or other seat takes over
• Keeps all of their data — every policy, snapshot, asset, goal is preserved

Connections are not affected. Clients remain connected to your advisor account even during the frozen state — you can still view their data in read-only mode (subject to their data-sharing consent).

Payment Failure Specifically

If your account freezes due to a payment failure, Policy Stack retries the charge on standard intervals before freezing. You receive email notifications at each retry attempt.

If you update your payment method before all retries are exhausted, the charge succeeds and your account never enters the frozen state. Update your payment method in Settings > Billing.

Returning After a Freeze

If you resubscribe, your connections are intact and you can reassign seats immediately. A client still inside the transition window keeps Builder Pro; a client already on Starter keeps all data and returns to Builder Pro when a new seat is assigned, without another connection flow.

See Resubscribing After Cancellation for the full process.

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.