{
  "name": "OnCancel Cancellation Difficulty Index",
  "description": "How hard subscription services make it to leave, scored 0-100 from public sources. Higher is harder.",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "OnCancel — https://oncancel.com/data/difficulty-index/methodology",
  "methodology": "https://oncancel.com/data/difficulty-index/methodology",
  "note": "The score is ordinal: it ranks companies against each other and the absolute number carries no meaning on its own. Null components are excluded from both numerator and denominator, which is what confidence reports.",
  "count": 7,
  "merchants": [
    {
      "slug": "fubo",
      "name": "Fubo",
      "category": "streaming",
      "domain": "fubo.tv",
      "score": 31.19,
      "grade": "Minor friction",
      "confidence": 0.7,
      "index_version": "2026.3",
      "earned_weight": 21.83,
      "available_weight": 70,
      "components": {
        "onlineCancelMissing": {
          "weight": 18,
          "ratio": 0,
          "points": 0
        },
        "phoneRequired": {
          "weight": 12,
          "ratio": 0,
          "points": 0
        },
        "clicksToCancel": {
          "weight": 10,
          "ratio": 0.8333333333333334,
          "points": 8.33
        },
        "noticePeriod": {
          "weight": 10,
          "ratio": 0,
          "points": 0
        },
        "refundPolicy": {
          "weight": 6,
          "ratio": 1,
          "points": 6
        },
        "cancellationFee": {
          "weight": 10,
          "ratio": 0.35,
          "points": 3.5
        },
        "billsThroughPeriod": {
          "weight": 4,
          "ratio": 1,
          "points": 4
        },
        "complaintShare": {
          "weight": 12,
          "ratio": null,
          "points": null
        },
        "bbbVolume": {
          "weight": 8,
          "ratio": null,
          "points": null
        },
        "arlFlags": {
          "weight": 10,
          "ratio": null,
          "points": null
        }
      },
      "verified": "2026-07-28",
      "url": "https://oncancel.com/cancel/fubo"
    },
    {
      "slug": "instant-checkmate",
      "name": "Instant Checkmate",
      "category": "people-search",
      "domain": "instantcheckmate.com",
      "score": 27.56,
      "grade": "Minor friction",
      "confidence": 0.72,
      "index_version": "2026.3",
      "earned_weight": 19.84,
      "available_weight": 72,
      "components": {
        "onlineCancelMissing": {
          "weight": 18,
          "ratio": 0,
          "points": 0
        },
        "phoneRequired": {
          "weight": 12,
          "ratio": 0,
          "points": 0
        },
        "clicksToCancel": {
          "weight": 10,
          "ratio": 0.16666666666666666,
          "points": 1.67
        },
        "noticePeriod": {
          "weight": 10,
          "ratio": 0,
          "points": 0
        },
        "refundPolicy": {
          "weight": 6,
          "ratio": 1,
          "points": 6
        },
        "cancellationFee": {
          "weight": 10,
          "ratio": null,
          "points": null
        },
        "billsThroughPeriod": {
          "weight": 4,
          "ratio": 1,
          "points": 4
        },
        "complaintShare": {
          "weight": 12,
          "ratio": 0.6812,
          "points": 8.17
        },
        "bbbVolume": {
          "weight": 8,
          "ratio": null,
          "points": null
        },
        "arlFlags": {
          "weight": 10,
          "ratio": null,
          "points": null
        }
      },
      "verified": "2026-07-31",
      "url": "https://oncancel.com/cancel/instant-checkmate"
    },
    {
      "slug": "coffee-meets-bagel",
      "name": "Coffee Meets Bagel",
      "category": "dating",
      "domain": "coffeemeetsbagel.com",
      "score": 21.43,
      "grade": "Minor friction",
      "confidence": 0.7,
      "index_version": "2026.3",
      "earned_weight": 15,
      "available_weight": 70,
      "components": {
        "onlineCancelMissing": {
          "weight": 18,
          "ratio": 0,
          "points": 0
        },
        "phoneRequired": {
          "weight": 12,
          "ratio": 0,
          "points": 0
        },
        "clicksToCancel": {
          "weight": 10,
          "ratio": 0.5,
          "points": 5
        },
        "noticePeriod": {
          "weight": 10,
          "ratio": 0,
          "points": 0
        },
        "refundPolicy": {
          "weight": 6,
          "ratio": 1,
          "points": 6
        },
        "cancellationFee": {
          "weight": 10,
          "ratio": 0,
          "points": 0
        },
        "billsThroughPeriod": {
          "weight": 4,
          "ratio": 1,
          "points": 4
        },
        "complaintShare": {
          "weight": 12,
          "ratio": null,
          "points": null
        },
        "bbbVolume": {
          "weight": 8,
          "ratio": null,
          "points": null
        },
        "arlFlags": {
          "weight": 10,
          "ratio": null,
          "points": null
        }
      },
      "verified": "2026-08-03",
      "url": "https://oncancel.com/cancel/coffee-meets-bagel"
    },
    {
      "slug": "discord-nitro",
      "name": "Discord Nitro",
      "category": "gaming",
      "domain": "discord.com",
      "score": 19.05,
      "grade": "Easy",
      "confidence": 0.7,
      "index_version": "2026.3",
      "earned_weight": 13.33,
      "available_weight": 70,
      "components": {
        "onlineCancelMissing": {
          "weight": 18,
          "ratio": 0,
          "points": 0
        },
        "phoneRequired": {
          "weight": 12,
          "ratio": 0,
          "points": 0
        },
        "clicksToCancel": {
          "weight": 10,
          "ratio": 0.3333333333333333,
          "points": 3.33
        },
        "noticePeriod": {
          "weight": 10,
          "ratio": 0,
          "points": 0
        },
        "refundPolicy": {
          "weight": 6,
          "ratio": 1,
          "points": 6
        },
        "cancellationFee": {
          "weight": 10,
          "ratio": 0,
          "points": 0
        },
        "billsThroughPeriod": {
          "weight": 4,
          "ratio": 1,
          "points": 4
        },
        "complaintShare": {
          "weight": 12,
          "ratio": null,
          "points": null
        },
        "bbbVolume": {
          "weight": 8,
          "ratio": null,
          "points": null
        },
        "arlFlags": {
          "weight": 10,
          "ratio": null,
          "points": null
        }
      },
      "verified": "2026-08-03",
      "url": "https://oncancel.com/cancel/discord-nitro"
    },
    {
      "slug": "netflix",
      "name": "Netflix",
      "category": "streaming",
      "domain": "netflix.com",
      "score": 17.04,
      "grade": "Easy",
      "confidence": 0.82,
      "index_version": "2026.3",
      "earned_weight": 13.97,
      "available_weight": 82,
      "components": {
        "onlineCancelMissing": {
          "weight": 18,
          "ratio": 0,
          "points": 0
        },
        "phoneRequired": {
          "weight": 12,
          "ratio": 0,
          "points": 0
        },
        "clicksToCancel": {
          "weight": 10,
          "ratio": 0,
          "points": 0
        },
        "noticePeriod": {
          "weight": 10,
          "ratio": 0,
          "points": 0
        },
        "refundPolicy": {
          "weight": 6,
          "ratio": 1,
          "points": 6
        },
        "cancellationFee": {
          "weight": 10,
          "ratio": 0,
          "points": 0
        },
        "billsThroughPeriod": {
          "weight": 4,
          "ratio": 1,
          "points": 4
        },
        "complaintShare": {
          "weight": 12,
          "ratio": 0.331,
          "points": 3.97
        },
        "bbbVolume": {
          "weight": 8,
          "ratio": null,
          "points": null
        },
        "arlFlags": {
          "weight": 10,
          "ratio": null,
          "points": null
        }
      },
      "verified": "2026-07-29",
      "url": "https://oncancel.com/cancel/netflix"
    },
    {
      "slug": "dollar-shave-club",
      "name": "Dollar Shave Club",
      "category": "beauty",
      "domain": "dollarshaveclub.com",
      "score": 5,
      "grade": "Easy",
      "confidence": 0.7,
      "index_version": "2026.3",
      "earned_weight": 3.5,
      "available_weight": 70,
      "components": {
        "onlineCancelMissing": {
          "weight": 18,
          "ratio": 0,
          "points": 0
        },
        "phoneRequired": {
          "weight": 12,
          "ratio": 0,
          "points": 0
        },
        "clicksToCancel": {
          "weight": 10,
          "ratio": 0.3333333333333333,
          "points": 3.33
        },
        "noticePeriod": {
          "weight": 10,
          "ratio": 0.016666666666666666,
          "points": 0.17
        },
        "refundPolicy": {
          "weight": 6,
          "ratio": 0,
          "points": 0
        },
        "cancellationFee": {
          "weight": 10,
          "ratio": 0,
          "points": 0
        },
        "billsThroughPeriod": {
          "weight": 4,
          "ratio": 0,
          "points": 0
        },
        "complaintShare": {
          "weight": 12,
          "ratio": null,
          "points": null
        },
        "bbbVolume": {
          "weight": 8,
          "ratio": null,
          "points": null
        },
        "arlFlags": {
          "weight": 10,
          "ratio": null,
          "points": null
        }
      },
      "verified": "2026-08-03",
      "url": "https://oncancel.com/cancel/dollar-shave-club"
    },
    {
      "slug": "cleo",
      "name": "Cleo",
      "category": "finance",
      "domain": "web.meetcleo.com",
      "score": 2.78,
      "grade": "Easy",
      "confidence": 0.6,
      "index_version": "2026.3",
      "earned_weight": 1.67,
      "available_weight": 60,
      "components": {
        "onlineCancelMissing": {
          "weight": 18,
          "ratio": 0,
          "points": 0
        },
        "phoneRequired": {
          "weight": 12,
          "ratio": 0,
          "points": 0
        },
        "clicksToCancel": {
          "weight": 10,
          "ratio": 0.16666666666666666,
          "points": 1.67
        },
        "noticePeriod": {
          "weight": 10,
          "ratio": 0,
          "points": 0
        },
        "refundPolicy": {
          "weight": 6,
          "ratio": 0,
          "points": 0
        },
        "cancellationFee": {
          "weight": 10,
          "ratio": null,
          "points": null
        },
        "billsThroughPeriod": {
          "weight": 4,
          "ratio": 0,
          "points": 0
        },
        "complaintShare": {
          "weight": 12,
          "ratio": null,
          "points": null
        },
        "bbbVolume": {
          "weight": 8,
          "ratio": null,
          "points": null
        },
        "arlFlags": {
          "weight": 10,
          "ratio": null,
          "points": null
        }
      },
      "verified": "2026-08-03",
      "url": "https://oncancel.com/cancel/cleo"
    }
  ]
}