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Frequently asked questions
Cancel Idassist: The Right Way
How to cancel Idassist and recover your identity protection fees
What Idassist is and why cancellation matters
Idassist is a recurring identity protection and credit monitoring service operated by Sigma Loyalty Group and available to Canadian subscribers. The service tracks your credit file, sends alerts about suspicious activity, and offers identity restoration support if fraud occurs. Monthly billing runs at $19.99 CAD unless you actively cancel.
You may want to cancel for legitimate reasons: your bank already provides similar monitoring at no cost, you received unsolicited phone calls before signup, charges appeared without clear consent, or you simply prefer to manage your credit independently. Cancellation should be straightforward, and once you submit notice, the charges must stop. Yafee recognizes that many Canadian consumers face barriers to cancelling subscriptions, which is why we provide clear, law-backed guidance on your rights and the exact steps to take.
Common reasons subscribers cancel Idassist
Many Canadian signers report registering after aggressive telemarketing calls and later discovering better alternatives. Others find their financial institution already offers identical credit monitoring at no additional cost. Some notice repeated charges after attempted online cancellation or realize they were billed without explicit authorization. If any of these situations apply to you, you have legitimate grounds to cancel and may recover fees under Canadian consumer protection law.
When to cancel Idassist
Cancel Idassist if you no longer use the service, if your financial institution covers your identity protection needs, or if the $19.99 monthly fee no longer fits your budget. You do not need to justify cancellation to Sigma Loyalty Group-your decision to stop paying is sufficient and enforceable.
Your consumer rights in canada and quebec
Canadian consumer protection law grants you specific rights when cancelling recurring services, and Quebec residents benefit from even stronger statutory protections.
Consumer protection framework across canada
Federal and provincial consumer protection principles require companies offering recurring billing to provide transparent contract terms before you pay. Idassist must disclose the cancellation process, billing frequency, and all charges upfront. If terms are buried, unclear, or misleading, you have grounds to challenge the charges and demand cancellation.
Most provinces also mandate that companies offer a cancellation method as convenient as the signup method. If you enrolled by phone, cancellation by phone must be available. If you signed up online, an online cancellation option must exist. If Sigma Loyalty Group forces you to mail a registered letter when phone cancellation is available, that may violate your provincial consumer protection rules. Yafee advises documenting all cancellation attempts and dates-this evidence becomes crucial if you later dispute charges.
Quebec-specific cancellation and refund entitlements
If you reside in Quebec, your protections extend further under Quebec's Consumer Protection Act. When you cancel a subscription service, the cancellation takes effect on the date Sigma Loyalty Group receives your notice (or a later date you specify). Critically, you are entitled to a refund for any unused portion of the service you have already paid for.
Example: if you paid $19.99 on the 1st of the month and cancelled on the 10th, you receive a pro-rated refund for the remaining 20 days. Quebec law does not require you to wait until the end of your billing cycle-you can cancel immediately and recover your unused fees. This refund right is automatic and does not depend on Sigma Loyalty Group's consent.
Your legal position
Under the Consumer Protection Act (federal framework) and provincial equivalents, you have the right to cancel without penalty. Quebec residents additionally have statutory refund rights for unused service. If Sigma Loyalty Group refuses cancellation or continues charging after you cancel, you can escalate to the Competition Bureau (federal authority) or your provincial consumer protection office. Document all cancellation attempts, including dates and communication methods. This documentation strengthens your complaint if the company disputes your cancellation.
Cancellation methods and how to use them
Sigma Loyalty Group offers a specific cancellation process; understanding your options ensures your cancellation is recorded and binding.
Registered mail cancellation procedure
The primary cancellation method requires you to send a registered letter (with signature confirmation, known as "raccomandata A/R" or "return receipt requested") to Sigma Loyalty Group's Privacy Officer. This method creates a documented record that proves you initiated cancellation on a specific date-essential if disputes arise later.
- Obtain the current mailing address for Sigma Loyalty Group's Privacy Officer (listed below in the contact section).
- Verify the address on your most recent billing statement or the Idassist website.
- If the website does not display it, contact customer service and request the correct address in writing.
- Write a clear cancellation letter that includes your full name, email address, account number (if applicable), and a statement requesting immediate cancellation.
- Example language: "I hereby request cancellation of my Idassist subscription effective immediately. Please confirm this cancellation in writing and cease all billing."
- Keep a copy for your records.
- Visit your local Canada Post office and request registered mail with signature confirmation (return receipt).
- Provide the Privacy Officer's address and your cancellation letter.
- Pay the registration fee (typically $8-12 CAD).
- Obtain the tracking number and receipt-you will need this if you later dispute charges.
- Retain your Canada Post receipt and tracking number. Monitor your account for 5-7 business days.
- Check your email for cancellation confirmation from Sigma Loyalty Group.
- Verify that no new charges appear on your credit card or bank statement.
Attempting phone or email cancellation
Although Sigma Loyalty Group's stated method is registered mail, Canadian consumer protection law allows you to attempt cancellation by phone or email first. If the company advertises a phone number or email for customer service, try requesting cancellation through these channels. Request written confirmation of your cancellation request via email to create a secondary record. If phone or email cancellation is refused and you are told to use registered mail instead, that refusal demonstrates the company's awareness of alternative methods and strengthens your legal position if you later file a complaint.
Pricing structure and monthly costs
Understanding Idassist's billing model helps you calculate refunds and confirm charges stop after cancellation.
| Billing element | Cost (CAD) | Frequency |
|---|---|---|
| Standard monthly subscription | $19.99 | Monthly |
| Activation or setup fee | Varies (often included or waived) | One-time at signup |
| Refund eligibility (Quebec) | Pro-rated for unused days | Upon cancellation |
| Post-cancellation charges | $0.00 (must cease immediately) | N/A |
After you submit your cancellation via registered mail, no further charges should appear. If Sigma Loyalty Group continues billing after receiving your cancellation notice, you can dispute those charges with your bank or credit card issuer and file a complaint with the Competition Bureau.
What happens after you cancel
Once you submit your cancellation via registered mail, Sigma Loyalty Group must acknowledge receipt and confirm the cancellation date.
Expected timeline and confirmation
You should receive written cancellation confirmation within 5-10 business days of Sigma Loyalty Group receiving your registered letter. Monitor your email and bank statements. If no confirmation arrives within 10 business days, send a follow-up email to customer service referencing your Canada Post tracking number. Yafee recommends creating a simple spreadsheet to track: cancellation request date, Canada Post tracking number, confirmation receipt date, and the date your last charge appears.
Stopping recurring charges
Once cancellation is effective, Sigma Loyalty Group must stop all billing immediately. If a charge appears after your cancellation date, contact your bank or credit card issuer and request a chargeback or dispute. Provide your Canada Post receipt and the company's cancellation confirmation as evidence. You are entitled to reverse any charges that occur after your cancellation takes effect.
Account access and data
Cancellation of your billing does not automatically delete your account or credit monitoring data. If you wish to remove your personal data from Sigma Loyalty Group's systems, send a separate data deletion request to the Privacy Officer citing Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). Request confirmation that your data has been deleted within 30 days.
Refund eligibility and recovery
Your refund rights depend on your province of residence and the timing of your cancellation.
Refund rights in quebec
If you live in Quebec, you are statutorily entitled to a pro-rated refund for any unused portion of your subscription. If you paid for a full month and cancelled halfway through, Sigma Loyalty Group must refund half the monthly fee. To claim your refund, include a refund request in your cancellation letter: "I request cancellation effective immediately and a pro-rated refund for unused service from [cancellation date] to [end of billing period]." Follow up if no refund appears within 30 days of cancellation confirmation.
Refund rights in other canadian provinces
Refund entitlements vary by province. Ontario, British Columbia, and Alberta have consumer protection frameworks that support refunds for unused services, though the statutory language differs. Contact your provincial consumer protection office to confirm your specific entitlement. Yafee recommends requesting a refund in your cancellation letter regardless of province-if the company denies it, you have a written record of your request, which strengthens any future complaint.
Disputing charges if refund is denied
If Sigma Loyalty Group denies your refund request without legal justification, escalate to your bank or credit card issuer. Provide your Canada Post receipt, cancellation confirmation, and refund request letter. Most financial institutions will reverse charges if you can demonstrate cancellation was properly submitted. If the dispute is denied, file a complaint with the Competition Bureau or your provincial consumer protection office.
Common cancellation mistakes to avoid
Cancellation is straightforward once you follow the correct process, but a few common errors can delay or complicate your request-avoid them.
Mistake 1: relying on phone cancellation without written confirmation
If you call customer service and request cancellation verbally, Sigma Loyalty Group may claim no record of the call exists. Always request written confirmation via email: "Please confirm this cancellation in writing and provide a reference number." If the company refuses email confirmation, send your own follow-up email summarizing the conversation and the date. This creates a documented trail.
Mistake 2: delaying registered mail submission
Do not delay sending your registered letter. The sooner you submit it, the sooner your cancellation effective date is established. If you wait weeks after deciding to cancel, you will continue paying. Send your letter within 2-3 business days of making the decision.
Mistake 3: not retaining postal receipts and tracking numbers
Your Canada Post receipt is your proof of submission. Store it with your cancellation letter copy in a safe place. If Sigma Loyalty Group later claims it never received your cancellation, you can present the tracking number as evidence.
Mistake 4: failing to monitor post-cancellation charges
After submitting your cancellation, check your bank or credit card statement monthly for 2-3 months. Some subscription services attempt hidden re-billing after cancellation. If you spot a charge after your cancellation effective date, dispute it immediately with your financial institution.
Mistake 5: not escalating when ignored
If Sigma Loyalty Group does not respond to your cancellation within 14 days, do not assume the matter is resolved. Send a follow-up email referencing your registered mail tracking number. If still no response, file a complaint with the Competition Bureau. Yafee has supported thousands of Canadian consumers in escalating unresponsive cancellations to regulators with success.
When to escalate to regulators
If Sigma Loyalty Group refuses cancellation, continues charging after cancellation, or denies refunds unjustifiably, you have formal escalation channels.
Contact the competition bureau
The Competition Bureau is Canada's federal consumer protection authority and investigates misleading advertising, unfair practices, and unauthorized billing. File a complaint if Sigma Loyalty Group engages in deceptive cancellation practices or refuses to honour your cancellation request. Visit competitionbureau.gc.ca or call 1-800-348-5358. Provide your cancellation letter, postal receipt, and billing statements as evidence.
Provincial consumer protection offices
Each province operates a consumer protection office. Ontario's Consumer Protection Act enforcement branch, for example, investigates complaints about unauthorized billing and cancellation barriers. Contact your provincial office directly if Sigma Loyalty Group operates primarily in your province. Include all documentation: cancellation requests, confirmation emails, billing statements, and dates of all contact attempts.
Chargebacks and credit card disputes
If regulatory escalation is slow, initiate a chargeback through your bank or credit card issuer. Explain that you cancelled the subscription and were charged after the effective cancellation date. Provide your Canada Post receipt and cancellation confirmation as supporting documents. Most issuers reverse unauthorized recurring charges within 30 days of your dispute filing.
Cancellation address and contact information
Send your registered mail cancellation letter to:
Sigma Loyalty Group
Privacy Officer
[Verify current address on your billing statement or by contacting customer service before sending]
If no address is listed on your statement, call Idassist customer service and request the Privacy Officer's mailing address in writing. Document the date you requested this information.
Final steps and summary
Cancelling Idassist requires submission of a registered mail letter to Sigma Loyalty Group's Privacy Officer, along with documentation and vigilance over your post-cancellation charges. Your consumer rights under the Consumer Protection Act and provincial equivalents protect your ability to cancel without penalty and, in Quebec, entitle you to pro-rated refunds. If the company refuses your cancellation or continues billing, escalate to the Competition Bureau or your provincial consumer protection office armed with your postal receipt and cancellation letter.
Yafee has helped thousands of Canadian consumers cancel unwanted subscriptions and recover unauthorized charges. Visit yafee.com to explore templates for cancellation letters, track your cancellation status, and find province-specific consumer protection contact information. Document every step, retain your postal receipt, and follow up within 10 business days-these actions ensure your cancellation is honoured and your fees stop immediately.
Important warning
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