Manage Moby

How to cancel your moby subscription in australia and claim your refund

Understanding what moby is and why you might want to cancel

Moby is a subscription-based investment research platform that delivers stock picks, cryptocurrency analysis, model portfolios and daily market briefings to retail investors across Australia. The service operates on a premium membership model with monthly and annual billing options, marketed with a 30-day money-back guarantee for new members. If you've signed up and realised the research doesn't match your investment style, or you're being charged for a service you no longer use, Stopee is here to guide you through cancellation step by step.

Whether you purchased your Moby subscription directly through their website or via Apple App Store, each pathway involves different cancellation mechanics and refund rules. This guide will walk you through both, help you understand your consumer rights under Australian law, and ensure you don't lose money to missed refund windows or forgotten auto-renewals.

Why australian consumers cancel moby

The most common reasons Stopee users report for cancelling Moby include: the research quality didn't justify the ongoing cost, auto-renewal happened without reminder, refund claims took longer than promised, or the daily alerts became overwhelming noise rather than actionable insight. Understanding your cancellation pathway now helps you avoid these friction points.

What happens to your access after cancellation

Once you cancel, your access to premium research, market alerts and the members community will cease at the end of your current billing cycle. You will not be charged for the next renewal period if cancellation is processed before the renewal date. Any refund you've earned depends on whether you're within the 30-day money-back window and which payment method you used.

Your consumer rights under australian law

Australian Consumer Law (ACL) grants you specific protections when you purchase digital services like Moby subscriptions. Stopee emphasises these rights because they're your strongest lever if the company resists cancellation or delays a refund.

The 30-day cooling-off period and beyond

Moby advertises a 30-day money-back guarantee for new members. Under Australian Consumer Law, you also have the right to a refund if the service you received was not of acceptable quality, not fit for purpose, or not as described. This right exists independently of Moby's stated policy and applies to all subscription purchases, not just new ones. Keep your receipts and any communications in which Moby made claims about the research quality or market performance.

When to escalate a dispute

If Moby refuses to cancel your subscription or denies a refund you believe you're entitled to, you can lodge a complaint with the Australian Competition and Consumer Commission (ACCC) or your state or territory consumer protection agency. The ACCC's online portal allows you to report misleading billing or subscription traps. Most companies comply once they see formal escalation, so document your cancellation request and any delay or refusal before escalating.

Moby subscription plans and australian pricing

Understanding your plan helps you calculate the refund you're owed and identify the correct cancellation pathway. Moby's pricing varies depending on whether you subscribed via their website or through an app store, and whether you chose monthly or annual billing.

Why app store pricing differs from the website

When you subscribe via Apple App Store or Google Play, the platform applies local Australian tax and handling fees on top of Moby's base price. This is why the same annual plan costs A$299.90 on the web but A$299.99 on the App Store. Both amounts auto-renew unless you cancel before the renewal date, so tracking where you subscribed is essential for stopping the charges.

How to cancel your moby subscription step by step

Your cancellation method depends on where you purchased the subscription. Stopee advises checking your email confirmation first to identify whether you bought directly from Moby or through an app platform; this determines which set of steps you follow. Both pathways are straightforward if you know where to look.

Cancelling a web-based moby subscription

If you purchased your Moby subscription directly from the Moby website, you manage cancellation through your account dashboard or by contacting Moby's support team directly.

1. Log in to your Moby account using your registered email and password.
   • If you've forgotten your password, use the "Forgot password" link on the login page and follow the reset email.
   • Check the inbox associated with the email you used at signup, including spam or promotions folders.
2. Navigate to your account settings or subscription management section.
   • This is typically labelled "Account", "Settings", "Subscription", or "Billing".
   • If you cannot find it, scroll to the footer of the Moby website and click "Contact support" or look for a help link.
3. Locate the active subscription and select the cancel or downgrade option.
   • Read any prompted message asking why you're cancelling; this feedback helps Moby improve, but you can skip it.
   • Confirm the cancellation when prompted.
4. Take a screenshot of the cancellation confirmation page or email.
   • This is your proof of cancellation; save it or forward it to yourself immediately.
   • Note the date and time of cancellation for your records.
5. If the dashboard does not offer a self-service cancellation option, email Moby's support team with your account email, full name, and a clear statement: "I request cancellation of my Moby subscription effective immediately. Please confirm in writing."
   • Pro tip: Send this email from the same address you used to register; include the date you signed up if you recall it.
   • Keep a copy of your email and wait for a written reply before assuming cancellation is complete.
6. Verify that you are not charged on your next renewal date.
   • Check your credit or debit card statement 5-7 days after the original renewal date.
   • If you were charged despite cancellation, file a dispute with your bank and forward your cancellation confirmation to Stopee or the relevant consumer authority.

Cancelling via apple app store (iOS)

If you subscribed to Moby through the Apple App Store on your iPhone or iPad, Apple controls the cancellation and refund process, not Moby. This is why you must cancel through Apple's systems rather than asking Moby directly.

1. Open the Apple App Store app on your iPhone or iPad.
   • Do not open the Moby app itself; you must use the App Store app.
2. Tap your profile icon in the top right corner, then select "Subscriptions".
   • You may be asked to authenticate with Face ID, Touch ID, or your Apple ID password.
3. Find the Moby subscription in the list and tap on it.
   • You will see the renewal date and price for your next billing cycle.
4. Tap "Cancel subscription" or "Cancel" and confirm when prompted.
   • Warning: Do not tap "Remove" or "Delete"; use only the cancel option.
   • Apple will often offer you a discounted plan as a retention option; ignore this unless you genuinely want to stay.
5. Take a screenshot of the confirmation showing your subscription is now marked "Expires on [date]".
   • This is your proof of cancellation; send it to yourself via email or save it to your phone's photo library.
6. Check your email for an Apple confirmation receipt within a few minutes.
   • If you don't receive one, repeat steps 1-4 to verify the cancellation went through.

Cancelling via google play (Android)

If you subscribed through Google Play on an Android device, Google manages the cancellation and refund, similar to Apple's process.

1. Open Google Play on your Android device or visit play.google.com on a computer.
   • On a computer, you must be logged in to the Google account associated with the subscription.
2. Navigate to "Account" or "Manage your Google Account", then select "Subscriptions" or "Payments and subscriptions".
   • On a phone, tap the profile icon, then "Payments and subscriptions", then "Subscriptions".
3. Tap or click on the Moby subscription to open its details page.
   • You will see the renewal date and the amount you'll be charged next.
4. Select "Cancel subscription" and confirm your choice.
   • Google will ask why you're cancelling; you can skip this or provide feedback.
   • Pro tip: If Google offers a temporary pause instead of cancellation, choose "Cancel" unless you genuinely want to reactivate later.
5. Look for a confirmation message stating "Subscription cancelled. Your access will end on [date]".
   • Take a screenshot immediately; this is your proof.
6. Monitor your Google Play account and card statement to ensure you are not charged after the cancellation date.
   • If a charge appears after cancellation, file a dispute with your bank and escalate to Google Play support.

Claiming your refund within the 30-day window

Moby's advertised 30-day money-back guarantee applies to new members, but your eligibility depends on the date you signed up and the date you request a refund. Stopee recommends submitting your refund request as soon as possible to avoid disputes about timing.

Refund eligibility and timelines

You are eligible for a full refund if: you purchased within the last 30 days and have not received the service or are unhappy with its quality; or you subscribed via App Store or Google Play and cancelled within their refund window (usually 14-15 days). For web purchases, Moby controls the refund window and typically honours the stated 30-day policy. For app-store purchases, the platform's refund window is shorter and more restrictive than Moby's own policy, so act quickly if you used an app.

How to request your refund

1. Gather your proof of purchase: your order confirmation email, receipt, or screenshot of the App Store transaction.
   • App Store and Google Play receipts appear in your email after purchase; check all inboxes including spam.
   • If you cannot find the email, retrieve your transaction history directly from Apple or Google.
2. If you purchased via app store, request the refund through that platform first.
   • On Apple App Store: open the receipt email, tap "Report a problem", select "I would like a refund", and choose "Unsatisfied with this purchase".
   • On Google Play: open Play Store, tap your profile icon, go to "Manage subscriptions", tap Moby, and select "Report a problem".
   • Both platforms process refunds within 5-10 business days if approved.
3. If you purchased via web and are within 30 days, email Moby's support team with your refund request.
   • Use the subject line: "Refund request for Moby subscription - Order [your order number]".
   • Include your full name, account email, purchase date, amount paid, and a brief reason (e.g., "Research did not meet my expectations").
   • Remain professional but clear: "I am requesting a full refund under your advertised 30-day money-back guarantee."
4. Keep a record of your refund request email and the date you sent it.
   • Forward a copy to yourself or Stopee for safekeeping.
5. Wait for a response within 10 business days.
   • Moby should confirm receipt and provide a timeline for refund processing.
   • Refunds typically appear in your bank account within 5-10 business days after approval.
6. If Moby declines your refund or does not respond within 10 days, escalate to your bank or credit card company.
   • File a dispute or chargeback claiming "Service not as described" or "Unauthorised charge".
   • Provide your cancellation confirmation and refund request email as evidence.

App store refund differences

Warning: Apple and Google have stricter refund windows than Moby's stated 30 days. Apple typically honours refund requests up to 15 days after purchase; Google allows 48 hours in some cases. If you subscribed via an app and want a refund, request it immediately rather than waiting until day 25. If the platform declines, Moby may still honour the 30-day promise on the web, so contact them separately.

Common mistakes that delay or lose your refund

Cancelling a subscription can feel stressful, especially when money is on the line and processes feel opaque. Here are the pitfalls Stopee sees most often, so you can avoid them.

Mistake one: cancelling from the wrong platform

The most expensive error is asking Moby to cancel an App Store subscription, or vice versa. If you bought via Apple, only Apple can cancel and refund; Moby's support team cannot override the App Store system. Confirm your purchase method by checking your confirmation email or bank statement, then use the exact cancellation pathway that matches.

Mistake two: missing the refund window

The 30-day clock starts from your purchase date, not from your first login or first use. If you bought on 1 January, your refund window closes on 31 January, regardless of when you first accessed the research. Once you pass day 30, you forfeit the money-back guarantee unless you can prove the service was faulty or misleading. Stopee advises requesting a refund as soon as you decide to cancel, not when you notice the next charge.

Mistake three: not saving cancellation proof

If you delete your cancellation confirmation email or screenshot, you have no evidence that you requested a cancellation. If Moby or your bank later disputes your claim, you cannot prove you acted in time. Screenshot or forward every confirmation to yourself the moment you see it.

Mistake four: assuming cancellation prevents the next charge

Cancellation does not always take effect immediately. If your renewal date is in 2 days and you cancel today, you may still be charged because the system has already processed the auto-renewal. Check your bank statement 7-10 days after the renewal date, and file a chargeback if you were charged after cancellation.

Mistake five: not escalating when support ignores you

If Moby's support team does not reply within 10 business days, do not wait longer. Contact your bank, dispute the charge, and report Moby to the ACCC. Inaction signals acceptance and weakens your claim. Stopee recommends escalating early to consumer authorities if you sense resistance.

What to do after cancellation

Cancelling a subscription is not the end of the process; the weeks after cancellation are when problems often surface. Staying vigilant now protects your refund and prevents unwanted charges.

Track your bank statement and verify no further charges

Set a calendar reminder for 7-10 days after your renewal date and check your bank statement carefully. Search for any transaction from Moby, Apple, or Google. If a charge appears, take a screenshot, note the date and amount, and immediately file a dispute with your bank. Provide your cancellation proof as evidence. Most banks reverse unauthorised charges within 15-30 days if you act quickly.

Save all receipts and correspondence

Keep your cancellation confirmation, refund request email, and any replies from Moby or the app platforms for at least one year. If a dispute arises later, these documents are your strongest evidence. Store them in a folder on your computer or in a cloud service like Google Drive.

Monitor your email for refund notifications

Moby and the app platforms will send email confirmations when your refund is processed. Check your inbox and spam folder daily for the first two weeks after requesting a refund. If you don't receive a refund notification within 15 business days, contact support again or escalate to your bank.

Comparison of cancellation methods and timelines

The pathway you take affects how quickly your cancellation is processed and how soon your refund appears. This table summarises the key differences so you can choose the fastest option.

Why web cancellation is often faster

If you purchased on Moby's website, cancelling via your account dashboard takes effect immediately and gives you the full 30-day refund window. App store cancellations are instant too, but Apple and Google's refund windows are shorter (15 days), so timing is more critical. If speed and refund eligibility matter, Stopee advises using the web platform for future subscriptions.

Escalating if moby refuses to cancel or refund

Most cancellations and refunds go smoothly, but if Moby resists or delays, you have formal remedies under Australian Consumer Law. Stopee emphasises that you have rights; companies rely on customers not knowing them.

Document everything before escalating

Before contacting regulators, gather: your cancellation request email and confirmation, your refund request and Moby's response (or lack of one), screenshots of your account settings, and your bank or app store receipt. Send one final formal email to Moby with the subject "Final notice: cancellation and refund request" stating that you are escalating to consumer authorities unless they respond within 5 business days. Keep this email in your records.

Lodging a complaint with the ACCC

If Moby does not cancel or refund within a reasonable timeframe, lodge a complaint with the Australian Competition and Consumer Commission via their online portal at accc.gov.au. Provide your name, contact details, Moby's details, a summary of the issue, and copies of your evidence. The ACCC does not handle individual cases directly, but reports help identify patterns of misconduct and support enforcement action.

Contacting your state or territory consumer protection agency

Your state consumer protection authority (e.g., Fair Work Ombudsman in some states, Consumer Affairs Victoria, Consumer Protection New South Wales) can also investigate. Contact details are available on your government's website. Provide the same documentation and explain what resolution you seek (cancellation, refund, or both).

Filing a chargeback with your bank

If Moby or the app platform charged you and you have a valid reason to dispute the charge (e.g., non-delivery, service not as described, or charge after cancellation), contact your bank or credit card company and request a chargeback. Provide your cancellation proof and any refund request correspondence. Banks typically investigate within 15-30 days and usually side with the consumer if evidence is clear.

Key takeaways and your action plan

Cancelling your Moby subscription is straightforward if you follow the steps that match your purchase method. Whether you bought on the web or via an app, the process takes minutes, and refunds typically arrive within two weeks. Stopee has helped thousands of consumers cancel subscriptions and claim refunds they were owed, and you now have all the information and tools to do the same.

Your immediate action plan: identify where you bought your subscription (check your confirmation email), follow the corresponding cancellation steps above, take a screenshot of the confirmation, and monitor your bank statement for the next 10 days to ensure no further charges appear. If you are within 30 days and want a refund, submit your request immediately. If Moby or the app platform refuses, contact your bank or the ACCC-you have consumer protection on your side.

For support navigating this process or if you encounter resistance from Moby, Stopee (stopee.com) offers guides, templates, and escalation advice for Australian consumers.