Manage Unison

How to cancel your unison subscription and get your refund

What is unison and why you might cancel

Unison offers home-loan and equity-sharing solutions to Canadian homeowners, along with related services through different product lines like Unison Windows & Doors. You may have signed up for one of these services through the App Store, Google Play, or directly via Unison's website. Understanding what you've actually subscribed to is the first step toward canceling it cleanly.

The challenge with Unison is that cancellation isn't straightforward. Unlike many consumer apps, Unison handles cancellations and refunds on a case-by-case basis depending on your product type, how you paid, and how far along your service is. At Stopee, we've found that many Canadian consumers struggle here because Unison doesn't advertise a self-service cancellation button. That's where we step in to guide you.

Why you might want to cancel

You may want to cancel for several reasons: you've found a better rate elsewhere, the service doesn't meet your expectations, you've completed your home project, or you simply changed your mind. Whatever your reason, you have the right to cancel. Your job is to do it correctly so you don't leave money on the table or get stuck with surprise charges.

When cancellation gets tricky

Unison's cancellation difficulty rises if your agreement involves equity-sharing, outstanding balances, or property-related obligations. A simple app subscription is easier to cancel than a home-loan contract. That's why sending written notice by registered mail-with proof of delivery-gives you legal protection and a clear paper trail if disputes arise later.

Your consumer rights in canada

Canadian consumer protection law works in your favour, even when a company makes cancellation hard. Understanding your rights is essential before you reach out to Unison.

Federal and provincial protections

Under the Competition Act and provincial consumer protection statutes (such as Ontario's Consumer Protection Act where Unison is based), you have the right to cancel subscriptions and contracts within certain timeframes. If Unison fails to make cancellation clearly available, that's a violation. If a refund is owed and Unison refuses it without legal justification, you can escalate to your provincial consumer affairs office or your credit card issuer.

At Stopee, we recommend keeping records of every interaction. Screenshots, emails, and your registered-mail receipt are your proof if you need to file a complaint with the Competition Bureau of Canada or your provincial regulator.

Cooling-off periods and refund windows

Many Canadian contracts come with a cooling-off period-typically 14 days-during which you can cancel and receive a full refund. Unison's specific terms vary by product. If you signed up fewer than 14 days ago and haven't used the service, you have a strong legal position to demand a refund. Document the date you signed up and the date you cancel.

Methods to cancel your unison account

You have three main paths to cancellation, depending on where you signed up and what you subscribed to. Choose the one that matches your situation.

If you subscribed through apple app store

Apple subscriptions don't go through Unison directly-they go through your Apple ID. Canceling here is fast and gives you Apple's refund rules, not Unison's.

1. Open Settings on your iPhone, iPad, or Mac.
2. Tap or click your name at the top of the screen.
3. Select Subscriptions.
4. Find the Unison app in the list.
5. Tap or click Edit and choose Cancel Subscription.
6. Confirm the cancellation.
7. Take a screenshot showing the cancellation confirmation.

Pro tip: Apple allows refunds within 14 days of purchase if you haven't used the service. Request one immediately after canceling if you qualify. Email Apple Support with your receipt and cancellation screenshot.

If you subscribed through google play

Google Play subscriptions work similarly to Apple's. Unison doesn't handle the refund-Google does.

1. Open Google Play on your Android device or via play.google.com on desktop.
2. Go to your Account and select Subscriptions.
3. Find Unison and open it.
4. Tap or click Cancel subscription.
5. Confirm your cancellation.
6. Screenshot your confirmation for your records.

Warning: Google's refund window is also around 14 days. After that, you forfeit your money unless you can prove a technical fault or fraud. Act fast if you want a refund.

If you signed up directly with unison (web or contract)

This is the path most home-loan and equity-sharing customers take. Direct cancellation requires more effort but gives you stronger legal proof of cancellation.

1. Locate your account agreement or contract and note your account number, property reference, or agreement ID.
2. Visit Unison's contact page on their website and gather their support email and phone number.
3. Call or email Unison customer support with your account details and a clear, concise cancellation request:
   • State your full name and account number.
   • Write "I request cancellation of my Unison agreement effective immediately" or on a specific date.
   • Ask for written confirmation of the cancellation date and any outstanding obligations or refunds due.
4. Follow up with a formal written cancellation letter (see below) sent by registered mail for proof of delivery.

Pro tip: Call first to get the name of the person you speak with. Then send your registered-mail letter referencing that conversation. This creates a clear timeline.

Send a formal cancellation letter by registered mail

This is your insurance policy against Unison claiming they never received your cancellation request. Registered mail with proof of delivery is legally binding evidence in Canada.

Why registered mail matters

Standard email can vanish into spam folders. Phone calls leave no written record. But registered mail (called raccomandata A/R in Italian, though you're in Canada) creates a trackable, date-stamped delivery record. If Unison later claims you didn't cancel or owes them money, you have proof you requested it.

How to write and send your letter

1. Type or handwrite a simple, professional letter including:
   • Your name, current address, and account number.
   • The date of the letter.
   • A clear statement: "I hereby request cancellation of my Unison agreement effective [date]."
   • Your request for written confirmation of cancellation and any final balances owed or refunds due.
   • A request for confirmation that all ongoing obligations are terminated.
2. Print and sign the letter.
3. Make two photocopies for your records.
4. Visit Canada Post and request Registered Mail service.
5. Provide Unison's mailing address: 9 Davies Ave. Unit 106, Toronto, ON M4M 2A6.
6. Pay the fee (currently around $16 CAD) and request a proof-of-delivery card (the tracking receipt).
7. Keep your proof-of-delivery receipt and copies of the letter indefinitely.

Warning: Do not use regular mail. The extra cost of registered mail is worth it because standard mail is untrackable and Unison could deny receiving it.

Pricing and plan details

Unison's pricing varies significantly by product line and contract terms. Understanding what you're paying helps you calculate whether a refund is actually owed.

At Stopee, we've learned that refund eligibility depends heavily on how far along your service is. A home renovation project that hasn't started yet may be refundable. One that's underway usually isn't. That's why timing and documentation matter so much.

Will you get a refund?

Refunds are never guaranteed, but your chances improve significantly if you act quickly and follow the right steps.

When refunds are likely

You have a strong case for a refund if you cancelled within 14 days of signing up, the service hasn't actually started, or you can prove Unison breached the contract. If you used Apple or Google to pay, you inherit their refund policies-both typically allow refunds within 14 days of purchase.

When refunds are difficult

Unison explicitly states (particularly for Windows & Doors) that no refunds apply if work has begun. For equity-sharing agreements, refunds depend on how much of the service has been provided and whether you owe Unison anything. Outstanding balances often offset any refund owed to you.

How to request a refund

1. Gather your proof: the date you signed up, screenshots of your account, your original receipt or confirmation email, and the date you cancelled.
2. Email or call Unison support with your request: "I request a refund of $[amount] for cancellation on [date]. I have not used the service and qualify for a cooling-off refund under Canadian consumer protection law."
3. Keep a record of the date and time you made the request and the name of the support person who responded.
4. If Unison denies the refund, ask them to cite the specific contract clause justifying the denial. Get this in writing.
5. If you disagree, escalate to your credit card company (request a chargeback with documentation) or file a complaint with your provincial consumer protection office.

Pro tip: Refund requests succeed more often when you provide specific dates and cite consumer protection law. Vague complaints are easy to ignore. Detailed, legal requests get fast-tracked.

What happens after you cancel

Cancellation doesn't mean your situation is instantly resolved. You need to understand what ends and what continues.

Your account and access

Once cancellation is confirmed, you lose access to any online Unison account portal or app features. Depending on the product, you may retain read-only access to past documents for a period. Always ask Unison in writing how long they'll store your data and whether you can request deletion under privacy law.

Ongoing obligations

Canceling your Unison agreement doesn't automatically erase outstanding balances or equity-sharing obligations. For example, if Unison financed a renovation and you still owe money, that debt remains even after cancellation. Clarify this in your cancellation request. Get Unison to confirm in writing whether you owe anything after cancellation or whether you're completely released.

Final billing and credits

Request a final account statement from Unison showing all charges, payments, and any credits or refunds applied. Don't assume your last charge was the final one. Some companies bill retroactively or apply surprise fees weeks after cancellation.

Common mistakes to avoid when canceling

Canceling feels straightforward until it doesn't. We've seen Canadian consumers make these mistakes repeatedly-and lose money or legal ground as a result.

Mistake 1: cancelling via app only

If your Unison agreement is a formal contract (especially for home equity), canceling within the app or website alone isn't enough. Unison support staff may not process your request, and you'll have no proof you asked. Always follow up with registered mail.

Mistake 2: assuming the refund will be automatic

It won't be. You must request it explicitly, in writing, with a deadline. "I request a refund by [date] or I will escalate to my credit card company" adds urgency.

Mistake 3: not keeping copies of everything

Your email confirmations, screenshots, receipts, and registered-mail proofs are your only evidence if a dispute arises. Store them in one folder on your computer and print critical ones. If your email is hacked or you lose your phone, you need hard copies.

Mistake 4: waiting too long

The longer you wait after signing up, the weaker your refund claim. Cooling-off periods are typically 14 days. After that, you're at Unison's mercy. If you want to cancel, do it now.

Mistake 5: not following up after one contact

If Unison doesn't respond to your email within 5 business days, they're stalling. Send your registered-mail letter. If that gets no response within 10 days, contact your provincial consumer protection office or your credit card issuer. Stopee recommends treating this like a formal complaint from day one.

Cancellation checklist for unison

Use this checklist to ensure you've covered every step and left no loose ends.

When to escalate: consumer protection authorities

If Unison ignores you or refuses a refund you believe is owed, you have official channels to pursue your complaint.

Provincial consumer protection offices

Since Unison is based in Toronto, Ontario's Consumer Protection Office is your first stop. But if you live in another province, your provincial regulator also has jurisdiction over companies doing business in your area. Stopee has found that filing a formal complaint often motivates companies to respond faster than emails ever will.

Competition bureau of canada

If Unison is engaging in deceptive business practices-like hiding the cancellation process or misrepresenting refund eligibility-you can file a complaint with the Competition Bureau. This is free and creates an official record.

Credit card chargeback

Your credit card company is your financial ally. If Unison refuses a rightful refund, request a chargeback with documentation. Provide your cancellation proof, the date of the original charge, your cancellation request letter, and Unison's refusal. Chargebacks often succeed because card companies take consumer protection seriously.

Warning: Only request a chargeback after you've genuinely tried to resolve it with Unison. Multiple chargebacks can damage your credit if they appear frivolous.

Key takeaways and next steps

Canceling Unison requires patience, documentation, and persistence. You have consumer rights-use them. Start by identifying which Unison product you're on, contact support, follow up with registered mail, and escalate if needed. Refunds aren't automatic, but they're possible if you cancelled early and haven't used the service.

At Stopee, we've helped thousands of consumers cancel difficult subscriptions and contracts. The difference between success and frustration almost always comes down to documentation and follow-through. Your registered-mail receipt and email copies are your legal leverage.

If Unison refuses to work with you, don't give up. Provincial consumer protection offices and your credit card company exist to back you up. Stopee.com has resources and templates to guide you through every step, ensuring you cancel with confidence and get what you're owed.

Contact information and mailing address

If you're sending a formal cancellation letter by registered mail, use this address:

Unison
9 Davies Ave. Unit 106
Toronto, ON M4M 2A6
Canada

Always send your letter by Canada Post Registered Mail and request a proof-of-delivery receipt. Keep that receipt and a copy of your letter for at least three years. If you have questions about your specific product or agreement, contact Unison support through their website before sending the letter-but always back up verbal requests with written ones.