How to permanently disable auto-renewal so you never get surprised by an unexpected renewal charge again. This guide applies specifically to Microsoft 365 ($6.99-$12.99/mo) subscribers in San Antonio, Texas. The federal FTC Click-to-Cancel Rule protects you.
The DTPA (no specific auto-renewal law) (Tex. Bus. & Com. Code § 17.41) and federal FTC rules protect San Antonio residents:
Applied to Microsoft 365 (Microsoft account website) for San Antonio residents
Log into your account settings
Go to the service's website (not app, unless it's an app-store subscription). Navigate to Settings → Billing → Subscription or Plan.
Look for 'Auto-Renewal' or 'Recurring Billing' toggle
Most services have an explicit auto-renewal toggle. Turn it off. You will typically keep access until your current paid period ends, then it won't renew.
Get written confirmation
After toggling, screenshot the settings page and save any confirmation email. If they charge you after disabling auto-renewal, you have documented proof.
For app-store subscriptions, disable in the store
iPhone: Settings → [Your Name] → Subscriptions → [App] → Turn off Renew. Google Play: Manage subscriptions → Cancel. The app itself cannot see these settings.
Set a final billing date reminder
Note when your current period ends. After that date, verify no charge appears. If you see a charge after disabling auto-renewal, that is an unauthorized charge.
Method: Microsoft account website · Difficulty: medium
Microsoft 365-specific tips
Full refund within 30 days of renewal. Prorated after.
SubScrub auto-cites 16 CFR Part 425 for San Antonio residents