How to permanently disable auto-renewal so you never get surprised by an unexpected renewal charge again. This guide applies specifically to Peloton ($12.99-$44/mo) subscribers in Missouri, citing applicable state and federal law.
Missouri doesn't have a specific auto-renewal law, but the MPA (no specific auto-renewal law) (Mo. Rev. Stat. § 407.010) and federal consumer protection laws still protect you:
Applied to Peloton (App settings or website) in Missouri
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: App settings or website · Difficulty: medium
Peloton-specific tips
No prorated refunds.
These apply to Peloton in every state, including Missouri:
SubScrub auto-cites 16 CFR Part 425 + sends legally-backed letters