Manage Lunaq

How to cancel Lunaq and stop charges before your next renewal date

What Lunaq is and why cancellation matters in malaysia

Lunaq is a subscription-based software platform designed for liquidity management in decentralised finance. You pay a recurring monthly or annual fee to access real-time asset tracking, market insights, and decision-making tools. The service is marketed as SaaS (Software as a Service), but here's the challenge: Lunaq's official website does not publish a clear cancellation address, refund policy, or step-by-step unsubscribe guide.

For Malaysian users, this opacity creates a real problem. You can sign up in minutes, but leaving the service-and stopping charges-becomes unclear. Stopee has helped thousands of Malaysian consumers navigate exactly this kind of friction, and we know how frustrating it feels when a company makes joining easy but leaving unnecessarily hard.

How lunaq's billing works

Lunaq operates a recurring subscription model. You either pay monthly or commit to an annual plan at a discounted rate. The service auto-renews on your billing date unless you cancel before the renewal triggers. This is standard SaaS practice, but it means one thing: if you do not cancel actively before your next billing cycle, your payment method will be charged again.

Your billing source matters. You may have signed up through the web (direct card charge), the App Store (Apple's billing), or Google Play (Google's billing). Each channel has different cancellation steps. Stopee recommends you identify your billing source immediately-this single step saves most users time and confusion.

Why there is no clear cancellation process

Lunaq's Terms of Service do not include a dedicated cancellation procedure, refund terms, or data retention policy. No minimum commitment clauses, no free trial terms, and no auto-renewal warnings are openly stated. This is a red flag under Malaysian consumer law. The Consumer Protection Act 1999 requires traders to make cancellation terms transparent before you pay.

Because Lunaq has not published these details, you are operating in a gray area. That's exactly why Stopee exists-to help you navigate services that lack clarity and protect your rights as a consumer.

Your consumer rights under malaysian law

The Consumer Protection Act 1999 gives you specific rights even when a service provider does not spell them out clearly. Understanding these protections is your foundation for cancelling confidently.

What the consumer protection act 1999 says about subscriptions

Under the Act, a trader (Lunaq) must not mislead you about the terms of a subscription. This includes billing frequency, cancellation options, and charges. If Lunaq's website or app does not clearly explain how to cancel, or if cancelling is deliberately made harder than signing up, that may breach consumer protection rules.

Section 10 of the Act prohibits misleading representations. If Lunaq charges you after you attempted to cancel (in good faith), you have grounds to dispute the charge and request a refund. Stopee recommends you keep all evidence: screenshots of your account, confirmation emails, and bank statements showing unauthorised charges.

Your right to withdraw and the refund timeline

Malaysia does not have a statutory "cooling-off" period as strong as the EU's 14-day withdrawal right. However, if you cancel before your renewal date and Lunaq continues to charge you, you can file a complaint with the Malaysian authorities. The Federation of Malaysian Consumers Associations (FMCA) and the Ministry of Domestic Trade and Consumer Affairs (KPDNHEP) handle such cases.

For refunds of charges incurred after a legitimate cancellation attempt, you have the right to request a full reversal. Stopee advises you to document your cancellation action (screenshot, email confirmation, or app notification) and provide it as proof when disputing the charge with your bank or card issuer.

How to identify your billing source before cancelling

Your first step is finding out where Lunaq charges you. This determines which cancellation method you use.

Check your payment method and billing history

1. Log in to your Lunaq account on the web or app.
   • Look for an "Account", "Settings", or "Billing" menu.
   • Find the section showing your subscription plan and next renewal date.
2. Take a screenshot of your current plan, tier name, and renewal date.
   • This is your proof of active subscription status.
3. Look for payment history or billing records.
   • Note whether it shows "Web Charge", "App Store", or "Google Play".
   • Check your email for recent invoices or renewal notices from Lunaq or the app store.
4. Check your bank or card statement.
   • Search your last three months of transactions for "Lunaq", "Luna", or "App Store / Google Play".
   • This confirms your actual billing channel and exact charge amount.

Pro tip: If you signed up via a link from the App Store or Google Play, your billing almost certainly runs through that platform, not through Lunaq's website. This is the most common source of confusion for users trying to cancel.

Locate your account settings and support contact

Once you know your billing source, find Lunaq's account or billing settings. Look for a "Manage Subscription", "Cancel Subscription", or "Billing Settings" button. If you cannot find this in your account, check the official Lunaq website or app help section.

Lunaq does not publish a Malaysian support phone line or local email address. Support appears to be centralised. If you need to contact Lunaq directly, use the help or contact form in the app or on the website. Keep a record of any support ticket you submit, including the ticket number and date.

How to cancel Lunaq through each platform

Cancellation steps vary depending on whether you subscribed via the web, App Store, or Google Play. Stopee has identified the most reliable method for each channel.

Cancel if you subscribed through the Lunaq website

If you signed up directly on lunaq.com and provided your card details there, use this method.

1. Go to lunaq.com and log in with your email and password.
   • Make sure you are on the official Lunaq domain, not a phishing site.
2. Navigate to "Account", "Settings", or "Billing".
   • Look for a link or button labeled "Manage Subscription", "Cancel Subscription", or "Billing".
3. Click the cancel or downgrade option.
   • You may see options to pause, downgrade, or fully cancel. Choose "Cancel" to stop all charges.
4. Read any confirmation screen carefully.
   • Lunaq may offer a discount to keep you subscribed. If you are certain you want to cancel, ignore this and proceed.
   • Confirm the cancellation date (usually immediate or at the end of your current billing period).
5. You should receive a cancellation confirmation email within minutes.
   • Save this email. If Lunaq charges you again after this date, forward this proof to your bank and to Stopee's resources.

Warning: If the website does not show a cancel button after you log in, or if the button leads nowhere, contact Lunaq support directly via the help section or email form and request manual cancellation. Document this request with a screenshot or forwarded email. Stopee has seen cases where companies deliberately hide the cancel button-this is illegal under consumer protection law.

Cancel if you subscribed through apple app store

If you signed up through an iPhone, iPad, or Mac and Lunaq charged you via App Store billing, use this method.

1. Open the App Store app on your Apple device.
   • On iPhone or iPad, tap the profile icon (top right).
   • On Mac, open App Store, then click your account name (top right).
2. Tap or click "Subscriptions".
   • You will see a list of all your active and cancelled subscriptions.
3. Find Lunaq in the list and tap or click on it.
   • If you do not see Lunaq listed, your subscription may already be cancelled or your billing source is not App Store.
4. Tap or click "Cancel Subscription".
   • Read the confirmation message, which usually says your access ends on a specific date.
   • Confirm the cancellation by tapping "Confirm".
5. You should see a message saying your subscription is cancelled.
   • Take a screenshot as proof.

Pro tip: Apple sends a cancellation confirmation email to your Apple ID email address. Check your inbox and spam folder. If you do not receive one within 24 hours, return to App Store settings and verify the subscription shows as "Cancelled".

Cancel if you subscribed through google play

If you signed up on an Android phone or tablet and Lunaq charged you via Google Play billing, use this method.

1. Open the Google Play Store app on your Android device.
   • Tap your profile icon (top right).
2. Tap "Payments and subscriptions", then "Subscriptions".
   • You will see all active subscriptions.
3. Find Lunaq and tap on it.
   • If you do not see Lunaq, your subscription may be inactive or your billing is not through Google Play.
4. Tap "Cancel subscription".
   • Google will ask you why you are cancelling (feedback is optional).
5. Confirm by tapping "Yes, cancel".
   • You should see a confirmation that your subscription ends on a set date.
   • Screenshot this screen for your records.

Google sends a cancellation email to your Gmail address tied to your Google Play account. Verify you received it within 24 hours. If the subscription still appears as active after 48 hours, contact Google Play support directly.

What to expect after you cancel

Cancellation does not always mean immediate loss of access. Understanding the post-cancellation timeline protects you from confusion and unwanted charges.

Your access after pressing cancel

Most SaaS services, including Lunaq, allow you to keep using the platform until the end of your current billing period. If you cancel on 15th March and your renewal date is 30th March, you usually keep full access until 29th March at 11:59 pm. On 30th March, your account either downgrades to a free tier or locks entirely.

Lunaq does not publish its access termination policy. Stopee recommends you assume you lose access on your renewal date unless Lunaq clearly states otherwise. Plan your data export and workflow transition for the day before this date.

Export your data before access ends

Because Lunaq's Terms do not specify how long your data is retained after cancellation, treat your account's final day as urgent. Export any data you need:

• Download reports, dashboards, or analysis you created.
• Screenshot important charts, metrics, or insights.
• If Lunaq offers a data download or export feature, use it immediately after cancelling.
• Check your email for any data retention notice from Lunaq.

If Lunaq deletes your data and you later need it, you have limited recourse because no data retention commitment was made. Stopee always advises users to assume worst-case timing and export early.

Refund and charge reversal

The refund process depends on whether you cancel before or after your renewal date.

Refunds for cancellations before the next billing date

If you cancel before your renewal date (for example, 5 days before), Lunaq should not charge you again. You are not entitled to a refund for the current active billing period because you have already used the service for that month or year. You simply stop future charges.

Pro tip: To avoid an accidental charge, set a phone reminder for 3 to 5 days before your renewal date. Cancel within this window to ensure the next billing cycle does not trigger.

Refunds if Lunaq charges you after cancellation

If you cancelled in good faith but Lunaq still charged you after the cancellation date, you have grounds to demand a refund. Stopee recommends this escalation path:

1. Contact Lunaq support in writing (email or help form) within 7 days of the unexpected charge.
   • State the cancellation date, the charge date, and the amount.
   • Attach your cancellation confirmation (screenshot or email).
   • Request a full refund of the charge and confirmation of permanent cancellation.
2. If Lunaq does not respond within 14 days or refuses to refund, dispute the charge with your bank or card issuer.
   • Provide your bank with the cancellation proof and Lunaq's non-response.
   • Your bank can reverse the charge (chargeback) if the evidence supports you.
3. If the dispute fails or you want stronger action, file a complaint with KPDNHEP (Ministry of Domestic Trade and Consumer Affairs) or FMCA (Federation of Malaysian Consumers Associations).
   • Provide all documentation: cancellation proof, charge proof, and Lunaq's response (or lack thereof).

Under Malaysian consumer law, traders cannot bill you for services you cancelled. This is your legal protection, and Stopee encourages you to use it if needed.

Pricing and plan comparison

Understanding Lunaq's cost structure helps you decide if cancellation is right for you. Note: Lunaq does not publish native Malaysian pricing in RM on its website. The figures below are estimates based on USD conversion at approximately 1 USD = RM 4.72.

If you are on a Pro or Enterprise plan, cancelling saves you RM 237 or more per month. If you only used Lunaq for a few weeks, that saving justifies the effort of cancelling today.

Common mistakes when cancelling Lunaq

Many users make small errors that delay cancellation or leave them exposed to surprise charges. You are not alone in worrying about these mistakes-Stopee has seen them hundreds of times.

Mistake one: cancelling in the wrong place

The biggest error is trying to cancel through the web when you subscribed via App Store, or vice versa. Each platform maintains its own subscription record. Cancelling on the web does not cancel your App Store subscription, and your card will still be charged monthly.

Solution: Before you do anything, confirm your billing source (web, App Store, or Google Play). Then cancel in that exact location only. Stopee recommends you verify cancellation on the same platform 24 hours later.

Mistake two: not saving cancellation proof

If Lunaq charges you again after you cancel, you will need proof that you cancelled in good faith. Many users forget to screenshot or save the confirmation email. If the charge dispute reaches a bank or regulatory body, this proof is your entire case.

Solution: Take screenshots of every cancellation confirmation page you see. Forward cancellation emails to yourself or save them in a folder. Keep these files for at least 6 months after cancellation.

Mistake three: cancelling too close to the renewal date

If your renewal date is tomorrow and you cancel today, the charge may already be processing. Payment systems do not always update instantly. The charge hits your account, and you end up disputing it instead of preventing it.

Solution: Cancel at least 3 to 5 days before your renewal date. Set a phone reminder on the first day of every month to check your subscriptions. Stopee users who follow this simple habit never face surprise charges.

Mistake four: assuming instant account deletion

Many users cancel, then immediately try to log back in and panic when they still can. Lunaq may retain login access until the end of your billing period, even after you cancel. This is normal.

Solution: Expect to keep access for a few days after cancellation. Use this time to export your data. If you completely lose access before your renewal date, contact Lunaq support.

After cancellation: what comes next

Your cancellation does not end at the confirmation screen. You have real follow-up actions that protect you from future charges.

Monitor your bank statement

For 60 days after cancellation, check your bank or card statement weekly. Look for any charge from "Lunaq", "Luna", "App Store", or "Google Play" that you did not expect. If an unauthorized charge appears, contact your bank immediately and provide your cancellation proof.

Pro tip: Set up a transaction alert on your bank app if available. Many banks let you flag any charge above a certain amount or from a specific merchant.

Keep records in a cancellation file

Create a folder (digital or physical) with:

• Your original subscription confirmation email.
• Screenshot of your Lunaq account showing the subscription tier and renewal date (from before cancellation).
• Screenshot of the cancellation confirmation page.
• Cancellation confirmation email from Lunaq, App Store, or Google Play.
• Your bank statements for the 60 days after cancellation.

If a dispute arises, you have everything in one place. Stopee recommends you keep this file for 12 months.

Resubscribe only if you choose to

Once you cancel, Lunaq may send re-engagement emails offering discounts or free trial periods. Do not resubscribe unless you genuinely want the service again. If you do resubscribe, repeat the above steps and set a new cancellation reminder.

Alternatives and comparison with similar services

If Lunaq no longer fits your DeFi workflow, consider these alternatives. None are perfect replacements, but they cover overlapping use cases.

If you move to a free or pay-per-use service, you avoid the subscription trap entirely. Many DeFi analytics tools offer free tiers that cover 80% of casual users' needs.

Checklist: before and after cancellation

Use this checklist to ensure you do not miss a step.

Before you cancel

• Confirm your billing source (web, App Store, or Google Play).
• Take screenshots of your Lunaq account showing the plan name, renewal date, and current status.
• Note your renewal date at least 5 days in advance.
• Export or screenshot any data or reports you need from Lunaq.
• Check your email for recent Lunaq invoices or renewal notices.
• Set a calendar reminder for 3 days before renewal to cancel on time.

During cancellation

• Log into the correct platform (Lunaq web, App Store, or Google Play).
• Navigate to the subscription or billing section.
• Click "Cancel Subscription" or equivalent button.
• Read the cancellation confirmation carefully.
• Screenshot the confirmation page.
• Check your email for a cancellation confirmation within 24 hours.

After cancellation

• Save the cancellation confirmation email to your folder.
• Verify on the same platform 24 hours later that the subscription shows as "Cancelled".
• Monitor your bank or card statement for 60 days for unexpected charges.
• Export remaining data before your access ends.
• If charged after cancellation, contact Lunaq support within 7 days with proof.
• Keep all cancellation documents for 12 months.

Summary and your next step

Cancelling Lunaq is straightforward once you know where you subscribed. Your billing source determines your cancellation method: web account settings, App Store, or Google Play. Cancel at least 3 to 5 days before your renewal date to prevent unwanted charges. Save all proof of cancellation, and monitor your bank statement for 60 days afterward.

If Lunaq charges you after a legitimate cancellation, you have legal recourse under the Consumer Protection Act 1999. Dispute the charge with your bank, contact Lunaq support, and escalate to KPDNHEP if needed.

You are in control of your subscription. Stopee has helped thousands of Malaysian consumers cancel unwanted services and recover unauthorized charges. If you face resistance from Lunaq, use the consumer rights section above as your foundation, and do not hesitate to escalate. Your money is yours to protect.

How to contact Lunaq support for escalation

If you cannot cancel through the standard channels or if Lunaq charges you after cancellation, contact support directly.

Available contact methods

Lunaq does not publish a dedicated Malaysian phone line or local cancellation address. Support requests are handled centrally through the app or website help section. Use the official support form or help article within your Lunaq account to submit a cancellation or refund request.

When contacting support, include your account email, subscription plan, renewal date, and the reason for cancellation. Request a written confirmation of cancellation within 24 hours. If you do not receive a response within 7 business days, escalate your case to Stopee's cancellation tracking system or file a complaint with the relevant Malaysian consumer authority.

Stopee remains your ally throughout this process. Whether you are cancelling Lunaq or any other subscription service in Malaysia, Stopee provides step-by-step guidance, legal protection information, and escalation paths. Visit Stopee today to document your cancellation and ensure you never pay for a service you no longer use.