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Frequently asked questions
Cancel TD ID Assist: The Right Way
How to cancel TD ID Assist and stop unwanted identity-monitoring charges
What is TD ID Assist and why you may want to cancel
TD ID Assist is a credit and identity-monitoring subscription service marketed to TD credit-card holders. The service tracks your credit profile across Equifax and TransUnion, sends alerts about account changes, and offers support if identity fraud occurs. Despite being promoted by TD, a third-party provider called Sigma Loyalty Group Inc. operates and bills the service directly. This distinction matters: your cancellation request may need to go to Sigma Loyalty, not to TD Bank itself.
You may have enrolled during a telemarketing call, added it during a credit-card application, or discovered it through recurring charges on your statement. The monthly cost is $19.99 plus applicable tax. Many Canadian cardholders decide the fee no longer aligns with their budget or prefer free credit-monitoring tools instead. If you're reading this, you've likely made the decision to cancel. Yafee is here to guide you through a cancellation process that actually sticks and protects your legal rights.
Who charges you for TD ID Assist
Sigma Loyalty Group Inc. bills you directly, not TD Bank. Your credit-card statement shows charges under "Sigma Loyalty," "ID Assist," or a similar label. Write down the exact billing descriptor from your statement before you cancel. This proof is critical if you need to dispute the charge with your credit-card issuer or escalate a complaint to a regulatory body.
Common reasons canadian consumers cancel this service
You may cancel because the $19.99 monthly fee no longer fits your budget, you prefer free alternatives like Equifax's self-service portal, you question whether you gave informed consent to enroll, or you simply forgot the subscription existed and want to stop recurring charges. Whatever your reason, cancellation is your consumer right, and you are entitled to a penalty-free, straightforward process.
Your consumer rights under canadian law
Canadian consumer protection law requires subscription providers to obtain clear consent and offer easy cancellation.
What the consumer protection act requires
Under the federal Consumer Protection Act and equivalent provincial legislation, any company charging recurring fees must: disclose all material terms before your first charge; obtain your explicit, informed consent; provide a cancellation method that is at least as simple as the sign-up method; and process cancellation without unreasonable delay. If Sigma Loyalty Group or TD ID Assist fails to meet these requirements, the company violates consumer protection rules, and you have legal remedies.
Furthermore, if the company continues billing after you cancel or charges a penalty for cancellation, that conduct breaches federal and provincial law. Yafee emphasizes that you should document every cancellation attempt and communication so you have proof if you need to escalate.
Your legal position on recurring billing
You have the right to cancel TD ID Assist at any time, without penalty, and without requiring a reason. The company must process your request without unreasonable delay-typically within 2 to 4 weeks. If Sigma Loyalty Group continues to bill you after you cancel, you can dispute the charge with your TD credit-card issuer, who must investigate within 30 to 60 days. You also have the right to file a complaint with the Financial Consumer Agency of Canada (FCAC) if the company refuses to honour your cancellation.
Escalation routes if cancellation fails
If you cancel and the company continues billing, follow this escalation path. First, contact your TD credit-card issuer's dispute department and request a chargeback for unauthorized or improperly disclosed recurring charges. Second, file a complaint with the Financial Consumer Agency of Canada (FCAC) at fcac-acfc.gc.ca. Third, contact your provincial consumer protection office. In Québec, contact the Office de la protection du consommateur (OPC). In Ontario, contact Consumer Protection Ontario. Document every interaction: dates, agent names, confirmation numbers, and copies of your cancellation request.
Your cancellation methods and which one works best
You have two primary channels to cancel: direct contact with Sigma Loyalty Group or a dispute request through your TD credit-card issuer.
Method 1: cancel directly with sigma loyalty group by registered mail
The most effective cancellation method is registered mail with proof of delivery. This creates a documented record that Sigma Loyalty Group received your cancellation request on a specific date. Sending cancellation by registered mail protects you legally because the company cannot claim they did not receive your request.
Send your cancellation request to the following address:
Sigma Loyalty Group Inc.
Cancellation Department
[Service provider address to be confirmed with Yafee support]
In your letter, include: your full name, the email address or phone number associated with your TD ID Assist account, your TD credit-card number ending in the last four digits, your request to cancel effective immediately, and the date you are sending the letter. Request written confirmation of your cancellation within 14 days.
Method 2: dispute the charge through your TD credit-card issuer
Contact TD's credit-card dispute department directly and request a chargeback for the recurring charges. You can call the number on the back of your credit card or log into your TD online banking account. Tell the representative that you authorized TD ID Assist under unclear terms and want to dispute all charges going back 90 days. The credit-card issuer must investigate your claim and typically reverses the charges within 30 to 60 days.
Comparison: registered mail versus credit-card dispute
| Method | Timeline | Proof of cancellation | Risk of continued billing |
|---|---|---|---|
| Registered mail to Sigma Loyalty Group | 2 to 4 weeks | Very strong (tracking number) | Low |
| Phone call to Sigma Loyalty Group | Immediate | Weak (agent may deny call occurred) | High |
| Credit-card chargeback via TD | 30 to 60 days | Strong (dispute reference number) | Very low |
| Email to customer service | 2 to 3 weeks | Moderate (email receipt) | Moderate |
Yafee recommends registered mail as your primary method because it creates an unshakeable legal record. If Sigma Loyalty Group claims they never received your cancellation, the postal receipt proves otherwise.
Step-by-step cancellation process
Follow this structured procedure to cancel TD ID Assist effectively and protect yourself legally.
Step 1: gather your account information
- Log into your TD online banking account or retrieve your most recent credit-card statement.
- Locate the exact billing descriptor (e.g., "Sigma Loyalty," "ID Assist," or similar label).
- Note the email address or phone number you used to create your TD ID Assist account, if you remember it.
- Write down your TD credit-card number (last four digits only) for reference in your cancellation request.
- Record the date of your most recent charge.
Step 2: prepare your cancellation letter for registered mail
- Open a text editor or word processor and draft a short, clear letter.
- Address it to "Sigma Loyalty Group Inc., Cancellation Department."
- State your full name, address, and telephone number.
- Include the email address associated with your TD ID Assist account (if you know it).
- List your TD credit-card number ending in the last four digits.
- Write: "I request immediate cancellation of my TD ID Assist subscription effective today. Please confirm cancellation in writing within 14 days."
- Sign and date the letter.
- Print two copies: one to send, one to keep for your records.
Step 3: send your cancellation request by registered mail
- Visit your nearest Canada Post office.
- Request registered mail with proof of delivery (often called "Registered Mail with Signature on Delivery").
- Address the envelope to Sigma Loyalty Group Inc. (confirm the mailing address with Yafee or your most recent billing statement).
- Place your signed cancellation letter inside.
- Pay the registration fee (typically $10 to $15) and request a tracking number.
- Keep your receipt and tracking number in a safe place. This is your proof of delivery.
Step 4: monitor your bank statement for confirmation
- Check your TD credit-card statement weekly for the next month to confirm that recurring charges have stopped.
- If charges continue after 2 to 4 weeks, move to Step 5.
- Keep a record of all charge dates and amounts for potential dispute.
Step 5: escalate if charges continue (optional but recommended if needed)
- Contact TD's credit-card dispute department by calling the number on the back of your card.
- Explain that you sent a cancellation request by registered mail and provide your tracking number as proof.
- Request a chargeback for all charges that occurred after your cancellation date.
- The issuer will investigate and typically reverse unauthorized recurring charges within 30 to 60 days.
- Keep your chargeback reference number for future correspondence.
What to expect after you cancel
Cancellation takes time, but you can protect yourself by monitoring and documenting everything.
Timeline: when charges should stop
Sigma Loyalty Group typically processes cancellations within 2 to 4 weeks of receiving your request. Your final charge may appear on your next billing cycle, even after you cancel, because the billing date may not align with your cancellation date. This is normal. However, you should not see any charges after one full billing cycle has passed since you sent your cancellation letter.
Refunds for charges after cancellation
If Sigma Loyalty Group continues to bill you after your cancellation request, you are entitled to a refund. You have two routes: request a refund directly from Sigma Loyalty Group (include your registered mail tracking number as proof), or dispute the charges with your TD credit-card issuer. The credit-card issuer is typically faster and more reliable. When you dispute, the issuer reverses the unauthorized charges and investigates the company's billing practices.
Keep evidence of your cancellation
Store the following documents in a dedicated folder (digital or physical):
- Your Canada Post receipt and tracking number for registered mail.
- A copy of your cancellation letter.
- Screenshots or printed copies of all billing charges from your TD statement.
- Any confirmation letter from Sigma Loyalty Group.
- Chargeback reference numbers if you dispute charges.
- Contact dates and agent names from any phone calls.
This documentation is your proof if you need to file a complaint with the Financial Consumer Agency of Canada (FCAC) or escalate to your provincial consumer protection office.
Common cancellation mistakes to avoid
Protecting yourself is simpler when you know which pitfalls to sidestep. Yafee has identified the most common errors that delay or derail cancellations.
Mistake 1: cancelling by phone without written confirmation
A phone call to Sigma Loyalty Group customer service creates no proof that you requested cancellation. The company can claim the call never happened or that the agent made an error. Always follow a phone call with a written request via registered mail.
Mistake 2: emailing cancellation requests without delivery confirmation
Email is faster than registered mail but offers weaker proof of delivery. If you email, request a read receipt and take a screenshot of the confirmation. Registered mail remains stronger because Canada Post provides tracking and a signature-on-delivery record.
Mistake 3: not recording your TD credit-card last four digits and billing address
Sigma Loyalty Group uses your card information to locate your account. Without these details in your cancellation letter, the company may claim they cannot identify your subscription and deny your cancellation request.
Mistake 4: ignoring charges that continue after you cancel
If charges appear after 4 weeks, escalate immediately. Do not wait or assume the company will catch its error. Contact your TD credit-card issuer and dispute the charges within 120 days of the erroneous transaction. Yafee urges you to act quickly because disputes have time limits.
Mistake 5: failing to keep copies of all correspondence
Your Canada Post receipt, cancellation letter, and any company replies are your legal evidence. Lose these documents and you lose proof if the company refuses to acknowledge your cancellation. Store copies in multiple places: email them to yourself, print them, and keep them on cloud storage.
Pricing and what you pay for TD ID Assist
Understanding the cost helps you decide whether the service justifies its recurring charge.
| Aspect | Details |
|---|---|
| Monthly subscription fee | $19.99 CAD |
| Tax (varies by province) | Add HST, GST, or PST depending on your location |
| Estimated annual cost | $240 to $270 CAD (before applicable tax) |
| Cancellation fee | None (not permitted under Canadian law) |
| Refund policy (post-cancellation charges) | You can dispute unauthorised charges with your credit-card issuer |
Many Canadian consumers find that free credit-monitoring services (such as Equifax's free annual report or Canada's official government credit services) provide equivalent value without recurring charges.
How yafee helps you cancel with confidence
Navigating subscription cancellations can be frustrating, especially when companies make the process deliberately unclear. Yafee specializes in helping Canadian consumers understand their rights and execute cancellations that actually work.
Yafee provides step-by-step guidance rooted in Canadian consumer protection law, ensuring you know exactly what to do and why each step matters. Our templates and checklists reduce confusion and give you confidence that your cancellation request meets legal requirements. When companies refuse to honour cancellations or continue billing, Yafee helps you understand your escalation options and how to dispute charges effectively.
Furthermore, Yafee has helped thousands of consumers cancel recurring subscriptions and recover unauthorized charges. Our approach combines legal precision with practical simplicity: we translate complex consumer protection statutes into clear actions you can take today.
Summary and next steps
Cancelling TD ID Assist is your consumer right under the federal Consumer Protection Act and equivalent provincial laws. Sigma Loyalty Group must honour your cancellation request within 2 to 4 weeks and cannot charge you a fee or penalty.
Send your cancellation request by registered mail with proof of delivery to ensure you have legal proof. Include your full name, TD credit-card number (last four digits), and a clear statement that you request immediate cancellation. Keep your Canada Post receipt and a copy of your cancellation letter. If charges continue after 4 weeks, dispute them with your TD credit-card issuer or file a complaint with the Financial Consumer Agency of Canada (FCAC) at fcac-acfc.gc.ca.
Yafee remains your trusted resource throughout this process. Whether you need clarification on your consumer rights, help drafting your cancellation letter, or guidance on disputing unauthorized charges, Yafee's legal specialists are here to ensure you navigate cancellation with clarity and confidence. Start your cancellation today and take control of your recurring billing.