Billing hiccups happen. A card expires, an annual renewal shows up at a bad moment, or you just decide you'd rather not pay for a plan this quarter. Here's exactly what happens to your account when it does — and the short version is that nothing you've put into Signed goes away.
Your data stays put
Downgrading to Free, canceling, or letting a payment fail does not delete anything. Your investments, transactions, marks, entities, pitches, contacts, notes, and every file you've uploaded all stay exactly where they are. We don't archive them, we don't wipe them after 30 days, and we don't hold them hostage.
If you resume billing next week or next year, you'll log in and find your portfolio precisely as you left it. There's no re-import, no restore step, no "contact us to reactivate."
The only thing that actually removes your data is deleting your account, which lives at the bottom of your data settings and requires your password to confirm. That one's permanent, and it's the only one that is.
If your card expires or a charge fails
When a payment doesn't go through, Stripe retries it over the following days and emails you about it. You keep full access to your plan during that retry window — we'd rather not lock you out of your own portfolio over an expired expiration date.
To fix it, head to Billing and click Manage Subscription. That opens the Stripe billing portal where you can update your card and settle the outstanding invoice. Once it clears, nothing else changes; your billing date and plan stay the same.
If the retries eventually run out and Stripe cancels the subscription, your account moves to the Free plan. See below for what that looks like.
If you cancel or downgrade on purpose
Cancel through Manage Subscription and you keep full access until the end of the period you've already paid for. The billing page will tell you the exact date. When that date passes, the account drops to Free.
Switching between paid plans works differently and is instant — moving from Angel to Investor unlocks the new features right away with a prorated charge, and moving down does the same in reverse.
What the Free plan looks like
Free covers portfolio tracking, performance and analytics, tax basics, search, following other investors, document storage, and CSV export. It's capped at 5 positions.
Two things worth knowing about that cap:
- It only limits adding. If you had 40 positions on a paid plan and drop to Free, all 40 remain in your account and remain visible. You just can't add a 41st until you upgrade.
- The same goes for entities. Extra LLCs or trusts you've set up keep working; you just can't create new ones on a plan that doesn't include multi-entity tracking.
What you do lose is access to the paid feature areas until you resume. On Free, that's pitch triage and the deal pipeline, investor updates, email forwarding, CRM editing, and AI deal analysis. Dropping from Investor to Angel additionally parks the tax dashboards, QSBS clock, pro rata tracking, pitch reporting, and white-labeled emails.
In every case, the feature is what's gated — not the data behind it. Your pitches, your K-1s, your QSBS holding periods, and your contacts are all still in the database, waiting. Upgrade and the pages light back up with everything already in them.
Take an export whenever you want
You don't have to take our word for any of this. Any plan, including Free, can generate a full export from Settings → Your Data.
You'll get a zip containing a CSV of your positions, transactions, and marks, plus every file you've uploaded — decks, side letters, SAFEs, K-1s, all of it. Larger portfolios take a few minutes to build, and we'll email you when the download is ready.
One note: we clear out generated export archives after seven days to avoid sitting on copies of your data indefinitely. If your link has expired, just generate a fresh one. There's no limit on how often you can do this.
Resuming
Go to Billing, pick a plan, and you're back. No reactivation fee, no waiting period, no "we deleted your account after 90 days of inactivity" surprise.
If something about your billing looks wrong — a charge you don't recognize, a plan that didn't switch, a card that won't update — email us and we'll sort it out.