Account & Subscription
Your profile, your plan, and how to change or end either one.
Updated
Profile Information
Update your name and email address from Settings → Account. Your profile picture is a coloured avatar showing your initials - there is no photo to upload.
Changing your email address requires verification. For your security we send a confirmation link to both your current address and the new one, and the change only takes effect once you have clicked the link in each - so you will need access to both inboxes. If a confirmation arrives at your old address, that is expected, not a phishing attempt.
Communication Preferences
Also under Settings → Account, these control whether you opt in to product news, marketing and research invitations.
They are separate from your alert settings, which live in the top-level Notifications section. Turning marketing off does not affect your bill reminders.
The Three Plans
| Plan | Bank syncing | Everything else |
|---|---|---|
| Cadence | None - manual entry and CSV import | All features |
| Cadence+ | Up to 3 connections | All features |
| Cadence Premium | Unlimited connections | All features |
All plans include the same features. The only difference is the number of synced connections, which rely on a third-party service that carries an ongoing cost. A brokerage linked for Synced Investments takes a slot from the same pool as a bank. Support is the same on every plan.
Your First 24 Hours
Signing up does not drop you straight onto a payment screen. A brand new account with no plan yet gets 24 hours to set itself up: the welcome steps, the dashboard and manual entry all work normally, and you can decide about a plan afterwards.
While that window is open you will see a banner on the home screen - Start your Cadence trial now on the web, or Pick your Cadence plan now in the apps - counting down the time left. Tapping it opens the plans in a drawer you can close again. The same drawer appears if you try to connect a bank, because bank syncing is the one thing that needs a paid plan from the start.
Once the 24 hours are up, that drawer is no longer something you can close: picking a plan becomes the way in. Nothing is lost, though - everything you entered during the window is waiting for you the moment you choose one.
The window is counted from when you signed up
It is not extended by opening the plan screen and backing out, and it is not restarted on a new device. If you sign up and come back two days later, you will meet the plan screen on arrival.
The Free Trial
How long the trial runs, and whether you get one at all, depends on where you buy:
- On the web - a 14-day free trial with full access. A payment method is required up front, but you are not charged until it ends, so cancelling any time before then avoids the bill.
- On the App Store or Google Play - the length is the store’s own introductory offer, and the store decides it. The button tells you what you are getting before you commit.
A second account on the same Apple or Google account gets no trial
Apple and Google grant an introductory offer once per Apple Account or Google account, not once per Cadence Money account. If yours has already used Cadence Money’s, there is no trial the second time and the button simply reads Subscribe - billing starts immediately. That is the store’s rule, not ours, and buying on the web is unaffected by it.
Changing Your Plan
Go to Settings → Account and tap Change Plan. Pick the plan you want and confirm. It handles both directions, and unless you subscribed through the App Store it is the only place a plan change happens.
The Stripe portal cannot change your plan
Manage Subscription opens the Stripe billing portal for payment method, invoices and cancelling, but it shows a Cadence Money subscription as cancel-only and will not offer the other plans. Use Change Plan for the plan itself.
When the change takes effect depends on where you are:
- During your free trial - straight away, in either direction. Nothing is charged, your trial end date does not move, and the new plan is simply what the trial converts into.
- Moving up a plan - straight away, with the prorated difference charged for the rest of your current billing period.
- Moving down a plan - at your next renewal. You keep the plan you paid for until the period you paid for ends, and Settings shows the date the change lands.
If you subscribed through the App Store, Apple owns the plan change: tap Manage Subscription and switch plans in Apple’s own subscription settings. On Google Play, use Change Plan in the app - Play’s subscription screen can cancel and update payment, but it cannot move you between plans.
Moving down to the Cadence plan stops bank syncing once the change lands, but nothing is deleted while your subscription is live. Your connections and transaction history stay put, and syncing picks up again if you move back up.
If you were given a complimentary plan rather than buying one, there is nothing to swap and no button appears. To change it, email support@cadencemoney.com.
Managing Your Subscription
Go to Settings → Account and tap Manage Subscription for your payment method, invoices and cancelling. Where that takes you depends on how you subscribed, and the button knows which applies to you:
- Subscribed on the web - the secure Stripe billing portal opens, where you can cancel, update your payment method and view past invoices in one place.
- Subscribed through the App Store - Apple handles the billing, so you are taken to Apple’s subscription settings instead. On an iPhone or iPad that opens Apple’s own panel inside the app; on the web or on Android it opens your Apple account’s subscriptions page in the browser.
- Subscribed through Google Play - Play’s subscription screen opens, where you can update payment and cancel. Plan changes are the one thing it cannot do, so those stay in the app under Change Plan.
Only Apple can change an App Store subscription
There is no cancel button for one in Cadence Money, and the Stripe portal will not show it. You can also reach it outside the app, from Settings → Apple Account → Subscriptions on your device.
Cancelling
Open Manage Subscription and cancel from wherever it takes you - the Stripe portal, or Apple’s subscription settings. Your access continues until the end of your current billing period, and you can resubscribe any time to pick up where you left off. Your data is preserved.
Bank connections are treated differently from your data
Syncing stops when your subscription lapses, and if you do not resubscribe the connections themselves are removed. When that happens depends on how the subscription ended:
- A trial that simply ran out - the day after your access ends.
- A trial whose first payment was declined - seven days after, because we are still trying to take the payment and would rather not cut you off mid-retry. Fix the card in that window and nothing is disconnected.
- A paying subscription - two weeks after, with an email a week beforehand.
Your transaction history is kept either way. You would just need to link each bank again when you come back.
Tip
If you are considering cancelling, email us at support@cadencemoney.com. We would rather hear what is not working than watch you go quietly.
Deleting Your Account
Go to Settings → Data & Privacy → Delete Account. Deletion is a 30-day soft delete: your data is scheduled for removal but held during a restore window, so you can sign back in and reactivate if you change your mind. After the window passes, your financial data, preferences and history are permanently removed.
Cancel your subscription first. Deletion is blocked while one is live, so you cannot be billed for an account you no longer have. Your bank connections are disconnected immediately either way. Full detail in Privacy & Data Management.