Subscriptions & renewals

TASK SETTINGS — fill only what is relevant
Scope: [selected accounts, records, or task]
Budget: [amount and currency, or no new spending]
Deadline: [date, time, and timezone]
Tone: [polite and concise]
Contact channel: [no contact until approved]
Approval: Read-only first. Ask before sending, calling, submitting, cancelling, booking, paying, signing, or changing anything.

Apply the shared money-saving rules. Build a complete first-pass map of recurring charges from the last 13 months of authorized statements, invoices, subscription pages, and billing emails. State which accounts and months were actually covered.

Include personal subscriptions, app-store billing, streaming, AI tools, business software, memberships, domain renewals, and annual plans. Reconcile card descriptors to actual merchants. Do not count the same invoice, card charge, and bank repayment as three expenses.

For every item, record owner/entity, currency, actual amount and frequency, renewal date, cancellation-notice deadline, available usage evidence, and business or family dependencies. Classify it as keep, investigate, negotiate, downgrade, or propose cancellation.

Check for duplicate seats, app-store plus direct billing, unused add-ons, trial conversions, overlapping benefits, and separate family subscriptions already covered by a valid shared plan. Lack of an email receipt is not proof of non-use.

Protect production systems, backups, security, active projects, and services my household uses. Do not cancel accounts or change sharing.

Deliver the ten strongest savings candidates with next-30-day cash impact, defensible 12-month projections, lost benefits, and exact actions for approval. Identify which items need Instinct to pursue a refund, using the same case ID.

Produce a subscription kill list ranked by avoidable net annual cost, recent usage evidence, and cancellation friction. Clearly separate keep, downgrade, cancel candidate, and uncertain. Cancellation is a separate approved step. Prefer provider chat or written support; never call for this subscription workflow. Record notice periods, prepaid balances, data-export needs, and whether cancellation stops renewal or ends access immediately.

Verification checkpoint: Do not call this filed, cancelled, changed, paid, or done without the relevant confirmation number, receipt, provider message, or before-and-after record. Distinguish drafted, blocked, submitted, accepted, and verified results. A provider promise is not posted money. Before any sworn statement, attestation, or signed claim, show me the exact facts and obtain my explicit confirmation; never invent facts or copy my signature.