Manage Cardi Mate

How to cancel cardi mate and protect your subscription rights in new zealand

What is cardi mate and why you might want to cancel

Cardi Mate is a mobile heart rate monitoring app that tracks your cardiovascular metrics through your smartphone. The app operates on a recurring subscription model with free trial periods, charged through your device's app store or directly via their website. If you've signed up and now want to step back, you're not alone - and Stopee is here to guide you through every step.

How cardi mate works and charges you

The app uses your phone's sensors to measure heart rate and related health data. Charges are handled automatically through the Apple App Store, Google Play Store, or the developer's own payment system. The key thing to understand is that simply deleting the app does not stop these recurring charges - you must cancel the subscription itself through the platform you paid on.

Cardi Mate is published by Harmonybit Ltd, a company registered in Cyprus. This matters for cancellation because their official terms require you to contact their Cyprus-registered office for certain disputes. That detail becomes important if you need to escalate a complaint.

Reasons to cancel cardi mate

You might want to cancel if you've found a competitor app you prefer, no longer need heart rate monitoring, or simply want to free up your subscription budget. Some users discover the trial-to-paid conversion happens automatically, which catches them off guard. Whatever your reason, cancelling quickly prevents future charges and keeps your money in your pocket.

Pricing and subscription plans you need to know

Cardi Mate offers four main subscription tiers in New Zealand dollars, each with different renewal periods and trial access.

Understanding trial-to-paid conversion

The weekly trial plan charges you NZ$14.99 after a 3-day free window ends, then renews every 7 days. If you don't cancel before that grace period closes, the charge goes through automatically. This is a common trap - you intend to cancel but forget, and suddenly you're committed to weekly charges. At Stopee, we recommend setting a phone reminder on day one of your trial so you never miss the cancellation window.

Prices shown here reflect the New Zealand App Store at the time of writing. Always verify the final cost in your app store before purchasing, as rates and trial lengths can change.

How to cancel cardi mate step by step

Your cancellation method depends entirely on which platform you used to subscribe. If you signed up through Apple, you cancel through Apple. If you used Google Play, you cancel through Google. The steps differ, but the principle is identical: you must tell the payment platform to stop charging, not the app itself.

Cancel via apple app store (iPhone or iPad)

Apple owns the payment relationship with you, so cancellation happens in the Apple ecosystem, not within the Cardi Mate app itself.

1. Open the Settings app on your iPhone or iPad.
   • Scroll down and tap your name or Apple ID account at the top.
2. Tap Subscriptions.
   • You'll see a list of all active and expired subscriptions tied to your Apple account.
3. Find Cardi Mate in the list and tap on it.
   • The app may appear as "Cardi Mate" or "Cardi Mate Heart Rate Monitor" depending on how Apple lists it.
4. Tap Cancel Subscription or Delete Subscription, then confirm your choice.
   • You'll typically see a screen asking if you want to keep your access until the current period ends. This is normal - your subscription stops renewing, but you keep access until billing ends.
5. Wait for Apple to send you a cancellation confirmation email.
   • This can take a few minutes. Check your inbox and spam folder.
   • Pro tip: Screenshot the cancellation screen for your records in case you need to dispute charges later.

Warning: Deleting the Cardi Mate app from your home screen does not cancel the subscription. You must follow the steps above or the charge will continue every week or year. If you're uncertain after cancelling, log back into Settings and check that Cardi Mate no longer appears under active subscriptions.

Cancel via google play store (Android phone or tablet)

Google Play handles subscriptions for Android users. The cancellation process mirrors Apple's but uses Google's interface.

1. Open the Google Play Store app on your Android device.
   • Look for the Google Play Store icon on your home screen or in your apps drawer.
2. Tap your profile icon in the top-right corner.
   • This is usually your circular profile picture or initial.
3. Select Payments and subscriptions.
   • You may see a dropdown menu; choose Subscriptions from the list.
4. Find Cardi Mate and tap on it.
   • The app should appear under active subscriptions if you're currently charged regularly.
5. Tap Cancel Subscription and confirm.
   • Google will ask you to confirm and may offer a discount to keep you subscribed - ignore this if you want out.
   • Pro tip: Take a screenshot of the cancellation confirmation screen.
6. Watch for a confirmation email from Google Play.
   • This confirms your subscription ends and no future charges will apply.

Warning: If you subscribed through the Cardi Mate website directly (not the app store), you cannot cancel through Google Play. Instead, you must log into the Cardi Mate website using your account credentials and cancel there, or contact their support team. Deleting the app will leave your subscription active.

Cancel a website-based cardi mate subscription

Some users subscribe directly on the Cardi Mate website rather than through an app store. If you received charges from a credit card or PayPal linked to cardi.health, you'll need to cancel on their site.

1. Visit the Cardi Mate website at cardi.health.
   • Look for a login or account portal, typically in the top-right corner.
2. Log in using your email and password.
   • If you've forgotten your password, use the "Forgot Password" link.
3. Navigate to your account settings or subscription management area.
   • This is usually labelled "Account", "Subscriptions", "Billing", or "My Subscription".
4. Find the active Cardi Mate subscription and select Cancel.
   • The website should offer options to pause or cancel; choose Cancel to stop future charges.
5. If you cannot find a self-service cancellation option, contact Cardi Mate support via email or the contact form on their site.
   • Pro tip: Email support requests create a paper trail, which is valuable if you need to escalate a complaint later.
   • Stopee recommends keeping a copy of your cancellation request and any reply from support.

Website subscriptions are often trickier to cancel than app store ones because there's no automatic system - you're relying on a human to process your request. If support doesn't reply within 5 business days, follow up or escalate to your bank.

What happens after you cancel cardi mate

Cancellation doesn't mean immediate loss of access. Understanding the after-effects helps you avoid confusion or accidental re-subscription.

Your access and billing after cancellation

When you cancel, you stop future automatic charges. However, you typically retain access to the full app and all premium features until your current paid period ends. If you cancelled on a Tuesday in the middle of a weekly billing cycle, you might keep access until the following Tuesday. That's by design - you've already paid for that week, so you shouldn't lose access mid-cycle.

Once your current period expires, the app either reverts to a free (limited) version or stops functioning entirely, depending on how Cardi Mate structures its free tier. Check the app listing or their terms to see if a free version is available after your subscription expires.

Your account and data after cancellation

Your account typically remains in the system after cancellation. Cardi Mate retains your health data and account information according to their privacy policy and data retention rules, which are published on their website. If you want your personal data removed, contact support and request deletion under New Zealand privacy law.

Pro tip: Before cancelling, export any health data or reports you want to keep, as data may be deleted after a certain period of inactivity or upon request.

Will you get a refund for cardi mate

Refunds are where many users face disappointment, but New Zealand consumer law gives you important protections.

Cardi mate's official refund policy

Cardi Mate's terms of service do not explicitly promise a 14-day refund period for subscription charges. Once you move from a free trial to a paid subscription, Cardi Mate treats this as a non-refundable purchase. Unused portions of free trials are typically forfeited once you convert to a paid plan.

This means if you signed up for a 3-day free trial and then were charged NZ$14.99 on day four, you cannot ask for those days back or demand a refund solely because you changed your mind.

When you might qualify for a refund or dispute

However, New Zealand's Consumer Guarantees Act and Fair Trading Act create exceptions:

• If you were charged after cancelling (the app continued billing despite your cancellation request), you have strong grounds for a refund or chargeback.
• If the charges were unauthorised or fraudulent (for example, someone else used your account), you can dispute them with your bank.
• If the app fails to deliver the service described in the store listing (major bugs, crashes, or false promises about features), you may have a claim under the Consumer Guarantees Act.
• If the cancellation process was deliberately hidden or obstructed to prevent you from leaving, this may breach the Fair Trading Act.

At Stopee, we've seen cases where users were charged for weeks after requesting cancellation due to technical glitches or support delays. In those situations, you absolutely deserve your money back, and your bank or the Commerce Commission can help you recover it.

How to request a refund

1. Contact Cardi Mate support first.
   • Explain what happened, include the date you cancelled, and ask for a refund of charges after cancellation.
   • Keep all correspondence as evidence.
2. If support denies your refund or doesn't reply within 10 business days, file a dispute with your bank or payment provider.
   • Your bank can reverse charges classified as unauthorised, failed services, or duplicate billing.
   • Tell your bank exactly why: "I cancelled this subscription on [date], but charges continued" or "This service was not fit for purpose".
3. If your bank cannot help, contact the Commerce Commission.
   • New Zealand's Commerce Commission investigates breaches of the Fair Trading Act and Consumer Guarantees Act.
   • You can file a complaint at beehive.govt.nz or through their consumer hotline.

Your consumer rights in new zealand

Understanding your rights transforms you from a powerless customer into an empowered one. New Zealand law is firmly on your side when services misbehave.

The consumer guarantees act

Under the Consumer Guarantees Act, any digital service you purchase must be of acceptable quality, fit for purpose, and delivered within a reasonable time. If Cardi Mate crashes constantly, fails to measure heart rate accurately, or doesn't work as advertised, this breaches the act. You're entitled to a remedy: repair, replacement, or refund.

The act also requires that cancellation be easy and transparent. If Cardi Mate hides the cancellation process or makes it deliberately difficult, this is a breach.

The fair trading act

The Fair Trading Act protects you from misleading or deceptive conduct. If Cardi Mate advertises a feature it doesn't have, or if the app store description is false, you can complain to the Commerce Commission or seek remedies through the courts.

How to escalate a complaint

If Cardi Mate refuses to cancel your subscription or continues charging after cancellation, escalate in this order:

1. Contact the developer directly in writing (email counts).
   • Reference the Consumer Guarantees Act in your message.
   • Give them 14 days to respond.
2. Dispute the charge with your bank.
   • Banks must investigate within 30 days and can reverse unauthorised or fraudulent charges.
3. Lodge a complaint with the Commerce Commission.
   • Visit the Commission's website and describe the issue in detail.
   • Include all evidence: screenshots, emails, bank statements, and cancellation requests.

Stopee recommends keeping a clear record of every step: when you cancelled, how, and what evidence you have. This documentation is gold if you need to involve a regulator.

Common mistakes people make when cancelling

Cancellation seems straightforward, but small oversights trap thousands of New Zealanders every year. Understanding these pitfalls saves you frustration and money.

Mistake one: deleting the app instead of the subscription

This is the most common error. You tap delete on the Cardi Mate icon, assume you're done, and then your credit card is charged NZ$14.99 next week anyway. The app and the subscription are completely separate. Deleting the app is like throwing away a letter from your bank - it doesn't stop the bank from sending more letters. Always cancel the subscription through your payment platform, not just the app.

Mistake two: cancelling in the wrong place

If you subscribed through Apple, cancelling via Google Play does nothing. If you subscribed via the website, cancelling on the app store is useless. You must cancel in the exact place you paid. If you're unsure, check your credit card or bank statement - that tells you which platform charged you.

Mistake three: assuming the app store removes your subscription

You tap cancel, and the app store confirms "Subscription Cancelled". But then you forget to check whether it actually stopped. App store systems occasionally glitch. Always verify cancellation by logging back in 24 hours later and checking that Cardi Mate no longer appears under active subscriptions. Stopee recommends taking a screenshot as proof.

Mistake four: missing the trial-to-paid deadline

Cardi Mate's 3-day free trial converts to paid billing automatically on day four. If you intend to cancel, do it before that deadline. Many users assume they can cancel "whenever", and then day four arrives and charges land. Set a phone reminder for day two of any free trial - this gives you buffer time to cancel without risk.

Mistake five: not keeping cancellation proof

If a dispute arises, your proof of cancellation is everything. Screenshots and confirmation emails are invaluable. Without them, it's your word against Cardi Mate's, and companies have stronger legal teams than individual users. Stopee always tells users to screenshot the cancellation screen, save confirmation emails, and note the exact date and time you cancelled.

A checklist for safe, complete cancellation

Use this checklist to ensure you've covered every base before closing the door on Cardi Mate.

Deciding whether to cancel: should you stay or go

Before you cancel, it's worth asking whether the app truly isn't working for you or if you're just overwhelmed by the cost.

Reasons to keep your cardi mate subscription

If you actively use the app and trust its heart rate measurements, the weekly subscription (NZ$8.49 without trial) is roughly the price of a coffee. The yearly offer at NZ$16.49 is exceptional value. If health monitoring matters to you - managing fitness, tracking recovery, or sharing data with your doctor - this is a bargain. Some users also find the data export features useful for identifying patterns over time.

Reasons to cancel immediately

Cancel if you've stopped using the app, if it crashes regularly, if the heart rate readings seem inaccurate, or if you simply cannot afford it right now. Financial stress is real, and there's no shame in scaling back subscriptions. If you're only keeping it "just in case", that's often a sign you don't need it. Cancelling frees up NZ$14.99 to NZ$69.99 monthly, which might fund something you actually use every day.

Cancellation address and escalation contact

If self-service cancellation fails or support ignores your requests, you may need to escalate to Cardi Mate's registered office.

Where to send formal cancellation notices

The only valid postal address for official cancellation under Cardi Mate's terms of service is their Cyprus-registered office. According to their terms, this address is required for formal notices:

Harmonybit Ltd (developers of Cardi Mate)
Cyprus-registered office address
(Check cardi.health/terms-of-services for the exact postal address)

Note: Gismart Limited is mentioned in some app store listings but is not the developer responsible for Cardi Mate cancellation. Always refer to Cardi Mate's official terms to confirm the correct address.

How to send a formal cancellation notice

If email cancellation or app store self-service fails, send a registered letter to the Cyprus address. Include your full name, email address, account details, the date you requested cancellation, and a clear statement: "I hereby request immediate cancellation of my Cardi Mate subscription, effective immediately. Please confirm cancellation in writing within 7 days." Send it via courier or registered mail so you have proof of delivery.

At Stopee, we've seen formal letters work wonders when informal requests go ignored. Companies take registered mail seriously because it signals legal intent. Keep a copy for your records.

Final summary: your path forward

Cancelling Cardi Mate is straightforward once you know the steps: identify your payment platform, navigate to subscriptions, find Cardi Mate, and cancel. The entire process takes five minutes, yet many people delay because they're unsure whether they'll lose access, whether they'll face refusal, or whether they've done it correctly. Now you have the full picture.

Remember that New Zealand law backs you up. If Cardi Mate continues charging after you cancel, refuses to process your cancellation, or hides the cancellation process, you have remedies. Your bank can reverse unauthorised charges, and the Commerce Commission can investigate breaches of fair trading laws. You're not powerless - you just needed clarity.

Stopee has helped thousands of New Zealand consumers cancel unwanted subscriptions, dispute phantom charges, and recover refunds they never thought they'd see. Whether your issue is straightforward or complex, the principles remain the same: document everything, follow the correct process, and don't accept "no" if the law is on your side. If you've cancelled Cardi Mate successfully using this guide, you've taken control of your finances. If you're still stuck, Stopee remains your resource for consumer advocacy and subscription cancellation support.