Manage Brigit

How to cancel brigit in nigeria and protect your money

What brigit is and why you might need to cancel

Brigit is a financial app that gives you quick cash advances, credit-building loans, and premium membership features like credit monitoring and identity theft protection. The service runs on a subscription model and works through mobile apps (iOS and Android) plus a web interface, with support available by email.

You might cancel Brigit for several reasons: the subscription fees are higher than you expected, you no longer need the cash advance feature, or you've found a better alternative. Whatever your reason, Stopee is here to help you understand exactly how to cancel without losing money or getting stuck with unexpected charges.

When cancellation makes sense for nigerian users

If you signed up for Brigit during a promotional period and the full price feels too steep, cancellation is straightforward. Similarly, if you've built your emergency fund or found a more affordable lending option, ending your subscription protects your cash flow. Stopee recommends reviewing your last three billing statements before you cancel, so you know exactly what you've been paying.

Your consumer rights in nigeria and how to use them

As a Nigerian consumer, you have solid legal protection under the Federal Competition and Consumer Protection Act (2018) and the supervision of the Federal Competition and Consumer Protection Commission (FCCPC). These laws protect you from unfair commercial practices, hidden charges, and misleading advertising.

What the law protects you from

The FCCPC enforces rules that stop companies from charging you after you cancel, misleading you about refund policies, or making cancellation deliberately hard. If Brigit continues charging you after you've submitted a cancellation request, or if they fail to honor your cancellation within a reasonable timeframe, you have grounds to file a complaint with the FCCPC.

Keep all proof: your cancellation confirmation emails, bank statements showing charges after the cancellation date, and any support messages. These records are your most powerful tool if you need to escalate a dispute.

How to escalate if brigit ignores your cancellation

First, contact Brigit support directly by email at info@hellobrigit.com with your cancellation confirmation and a clear statement of the problem. If they do not respond within 7 days, or if the unwanted charges continue, file a formal complaint with the FCCPC. You can do this through the FCCPC portal online or by visiting their office in Abuja. Stopee advises keeping copies of everything you submit.

How to cancel brigit from your mobile app

Cancelling through the Brigit mobile app is the fastest method and gives you immediate confirmation on screen. Follow these steps carefully to avoid common errors.

1. Open the Brigit app on your phone (iOS or Android)
   • Make sure you are logged into the account you want to cancel.
2. Navigate to Account Settings
   • Look for the gear icon or "Settings" option at the bottom of your screen.
3. Select My Subscription under Preferences
   • This section shows your current plan and billing cycle end date.
4. Choose "Cancel and switch to free plan"
   • The app will ask you to confirm; read the warning carefully.
   • Warning: If you have an active Credit Builder loan, you must close it first. The app will not let you cancel until this loan is settled or closed.
5. Confirm your cancellation on the confirmation screen
   • Screenshot this screen as proof that you cancelled on a specific date.
   • The app will show you the exact date your cancellation takes effect (usually the end of your current billing cycle).
6. Check your email for a confirmation message
   • Brigit sends a confirmation email to the address linked to your account.
   • Pro tip: If you do not receive an email within 1 hour, go back into the app and repeat the process, as the first attempt may not have gone through.

How to cancel brigit from the web or by email

If you prefer cancelling on a computer, or if the mobile app cancellation is not working, you can cancel via the Brigit website or send an email request. Both methods work equally well, though the web method gives you instant confirmation.

1. Log into your Brigit account at the Brigit website
   • Use the email and password linked to your Brigit subscription.
   • If you cannot remember your password, use the "Forgot Password" link.
2. Go to Settings, then My Subscription
   • You will see your current plan, billing cycle dates, and renewal amount.
3. Select "Cancel and switch to free plan"
   • The website will prompt you to confirm and may ask why you are cancelling (this is optional).
4. Confirm your cancellation
   • You will see a confirmation message with your cancellation effective date.
   • Screenshot this page and save it to your device.
5. Alternatively, email info@hellobrigit.com with your cancellation request
   • Include your full name, account email address, and phone number linked to Brigit.
   • Write: "I request to cancel my Brigit subscription effective immediately. Please confirm cancellation and provide a cancellation reference number."
   • Keep a copy of your email and any reply from Brigit.

What happens immediately after you cancel

Cancelling Brigit can feel sudden, and it is natural to worry about losing access to features you rely on. Understanding the timeline helps you plan ahead.

Loss of premium features

After you cancel, you lose access to premium features including Instant Cash advances, Credit Builder loans, credit monitoring, and identity theft protection. Some of these features may stop working immediately, even though your paid subscription continues until the end of your billing cycle.

If you have an active Credit Builder loan when you cancel, you must repay it or close it before cancellation is fully processed. The app or website will explain your options clearly.

Timing of when cancellation takes effect

Your cancellation does not take effect until the end of your current billing cycle. If your billing date is the 15th of each month and you cancel on the 1st, you will remain on the paid plan until the 14th. Stopee recommends noting your exact cancellation date so you know when to stop expecting charges.

After the billing cycle ends, you automatically switch to Brigit's free plan, which offers basic features without the premium tools or cash advances. No additional confirmation is needed; the switch happens automatically.

Refund policy and how to recover incorrect charges

This is where many users feel frustrated: Brigit's subscription fees are generally non-refundable once they have been charged to your account.

What you should expect (and what you should not)

You will not receive a refund for the current billing period after you cancel, even if you cancel on day one of your cycle. This is standard across most subscription services and is stated in Brigit's published terms.

However, if you were charged after your cancellation effective date, or if charges continue after you submitted a valid cancellation request, you have every right to dispute those charges and seek a refund.

Recovering money charged after cancellation

1. Gather proof of your cancellation
   • Screenshots of the cancellation confirmation from the app or website.
   • Confirmation emails from Brigit.
   • Bank statements showing when charges stopped or continued.
2. Contact Brigit support at info@hellobrigit.com with the subject line: "Disputed charges after cancellation"
   • Include your cancellation confirmation date and the date of any unexpected charges.
   • Request a full refund or detailed explanation of why charges continued.
   • Expect a response within 7 to 10 business days.
3. If Brigit does not respond or denies your refund, contact your bank or card issuer
   • Call the customer service number on the back of your card.
   • Request a dispute or chargeback for charges made after your cancellation date.
   • Provide your bank with all screenshots and emails you collected.
   • Pro tip: Banks often side with you on charges made after a documented cancellation request, so do not hesitate to escalate.
4. File a complaint with the FCCPC if your bank does not help
   • Visit the FCCPC website or office and submit a formal complaint.
   • Include all documentation: cancellation proof, Brigit's failure to refund, and your bank's response.

Brigit pricing in nigeria and what you are paying for

Understanding what you pay helps you decide whether cancellation saves you real money.

Current pricing structure

Brigit lists its subscription prices primarily in US dollars (USD) and does not publish official naira (NGN) pricing on its public-facing Nigerian pages. This lack of transparency is a red flag that Stopee wants you to understand before you commit to the service.

Brigit typically charges a monthly subscription fee for access to premium features, but the exact amount in naira depends on your bank's USD conversion rate on the day you are charged. This means the same subscription might cost ₦4,500 one month and ₦4,800 the next, depending on currency fluctuations.

Pro tip: Check your actual charges in your bank statement over the last three months. You may find that Brigit has been charging you more than expected because of conversion rates or hidden fees. This is a strong reason to cancel immediately.

Common mistakes people make when cancelling brigit

Cancelling feels simple, but small errors can leave you paying for weeks longer than necessary or confused about your account status. You are not alone if you have felt stuck here; Stopee helps thousands of users avoid these traps every month.

Mistake 1: forgetting about an active credit builder loan

Brigit will block your cancellation if you have an open Credit Builder loan. Many users submit a cancellation request, see an error, and assume the cancellation failed entirely. It did not; you simply need to close or repay the loan first through the app's loan management section.

Mistake 2: not noting the exact cancellation effective date

Cancellation takes effect at the end of your billing cycle, not immediately. If you cancel on the 5th but your cycle ends on the 15th, you will be charged again on the 15th. Without noting the exact date, you might forget and think Brigit is overcharging you.

Mistake 3: relying only on the in-app confirmation

Occasionally, the app confirmation appears but the cancellation does not process on the backend. Always wait for a confirmation email within 1 hour. If it does not arrive, cancel again and screenshot the email this time.

Mistake 4: ignoring the transition to the free plan

After your cancellation effective date, you do not need to do anything else. You automatically switch to the free plan. Some users mistakenly think they need to manually delete the app or close the account, which is unnecessary. The free plan is your safety net and can still be useful for basic financial tracking.

Checklist: cancelling brigit safely

Use this checklist to make sure you cancel correctly and protect yourself from unexpected charges.

What stopee recommends: should you stay or cancel?

Stopping a subscription is a big decision, and Stopee wants you to feel confident in yours. Here is a quick framework to decide whether cancellation is right for you.

Cancel brigit if

• You have not used cash advances in the last 60 days.
• You can access credit monitoring through your bank (many Nigerian banks now offer this for free).
• The monthly fee feels unaffordable compared to your income.
• You have built an emergency fund and no longer need short-term loans.
• You found a cheaper alternative (such as peer-to-peer lending or a traditional microloan).

Keep brigit if

• You rely on Brigit for emergency cash access and have no other backup.
• You are actively using the Credit Builder loan to improve your credit score.
• The monthly fee is easily affordable and the peace of mind is worth it to you.
• Identity theft protection is important for your online security.

Contact information and where to escalate

If cancellation goes wrong, you know exactly where to turn.

Brigit customer support

Email Brigit at info@hellobrigit.com for all cancellation questions, refund disputes, or account issues. Response times are typically 7 to 10 business days. Keep copies of all emails and include your account email address and phone number in every message.

Federal competition and consumer protection commission (FCCPC)

If Brigit refuses to process your cancellation, continues charging you, or ignores refund requests, file a complaint with the FCCPC. You can contact them through their official website or visit their office in Abuja during business hours. Include all documentation: screenshots of cancellation requests, bank statements, and email correspondence with Brigit.

Your bank or card issuer

Call the customer service line on your debit or credit card to dispute any charges made after your cancellation effective date. Banks in Nigeria take these disputes seriously and often reverse charges within 14 days if you provide clear proof.

Summary: taking control of your subscription

Cancelling Brigit is straightforward when you follow the right steps: confirm you have no active loans, submit your cancellation through the app or website, save your confirmation, and verify that charges stop after your billing cycle ends. You have strong legal rights under Nigerian consumer protection law, and Stopee is committed to helping you exercise them.

The most important thing you can do right now is gather your cancellation proof (screenshots and emails) and note your exact cancellation effective date in your phone calendar. When that date arrives, check your bank statement. If charges continue, contact Brigit support first, then your bank, and finally the FCCPC if needed.

Stopee has helped thousands of consumers in Nigeria cancel unwanted subscriptions, recover overcharged fees, and take back control of their money. You deserve the same clarity and support. If you encounter any trouble cancelling Brigit, know that your consumer rights are on your side, and escalation paths exist at every step. Start your cancellation today and reclaim your financial freedom.