The universal playbook for canceling any subscription service — streaming, SaaS, fitness, or otherwise — with legal protections cited. This guide applies specifically to Microsoft 365 ($6.99-$12.99/mo) subscribers in Chicago, Illinois. Illinois's Automatic Contract Renewal Act protects you.
Illinois's Automatic Contract Renewal Act (815 ILCS 601) gives Chicago residents specific protections when dealing with Microsoft 365:
Penalties: Renewal is void if notice requirements not met
Applied to Microsoft 365 (Microsoft account website) for Chicago residents
Find your billing method
Check whether you subscribed directly (company website), through Apple, Google, or your bank. The billing source determines WHERE you cancel — not the company's app.
Locate the cancellation path
Log into your account → Settings → Billing or Subscription. Under the FTC Click-to-Cancel Rule, cancellation must be as easy as signup.
Document your cancellation
Screenshot the cancellation confirmation screen. Note the date, time, and any confirmation number. This is your legal protection if they keep charging you.
Watch your next billing statement
Check your statement after the next billing date. If you see a charge after cancellation, you have grounds for a chargeback citing the date you canceled.
Block the merchant if needed
If the company charges you again, call your card issuer and request a merchant block. This prevents future charges even without the company's cooperation.
Method: Microsoft account website · Difficulty: medium
Microsoft 365-specific tips
Full refund within 30 days of renewal. Prorated after.
Under 815 ILCS 601, Chicago residents may be entitled to a full refund if Microsoft 365 didn't properly disclose auto-renewal terms.
SubScrub auto-cites 815 ILCS 601 for Chicago residents