Last updated October 1, 2026
Cancellation & refunds
Cancel online any time from your Account page. Here's exactly what happens.
| Plan | When you cancel | What happens |
|---|---|---|
| Monthly | Days 1–3 | The $29/month never starts. The $199 setup fee is not refunded. Access lasts to the end of day 3. |
| Monthly | Day 4 or later | No more charges. Access lasts to the end of the month you've paid for. No partial refunds. |
| Lifetime | Days 1–3 | Full $4,999 refund to your card (once per email). Access ends right away. |
| Lifetime | Day 4 or later | Final sale — nothing to cancel, no monthly charges. |
"Day 1" is the day you join. Day 3 ends at 11:59 PM Eastern time. Your welcome email and Account page show your exact dates.
Refunds go back to the card you paid with and usually appear within 5–10 business days, depending on your bank.
Questions? Call 1-833-34-SMART (347-6278) or email solutionsgurucredit@gmail.com.