Banyan Hill Publishing gives you two ways to cancel: log in to the self-service portal, or call. The mechanics are simple. The refund side is where it gets interesting, because Banyan Hill follows the Agora-family Terms template — non-refundable by default, cash within a stated window, credit after, and a 48-hour cancel rule that determines whether your next charge processes or not. The legal entity on the order form is Sovereign Offshore Services, LLC, not “Banyan Hill,” which is the kind of detail that confuses people checking their credit card statement for the first time.
Here is the step-by-step, the fine print, and what to do if the cancellation does not take.
How to Cancel Your Banyan Hill Subscription (Step by Step)
Banyan Hill offers two cancellation methods: online self-service and phone. Both are confirmed on the publisher’s Terms page (banyanhill.com/disclaimer, verified July 20, 2026) and the FAQ (banyanhill.com/faq, verified July 20, 2026).
Method 1: Cancel Online (Fastest)
- Go to banyanhill.com/customer-self-service and log in with your email and password.
- Navigate to the My Account section.
- Find your active subscriptions and turn off automatic renewal.
- You retain access through the end of the subscription period you have already paid for. The subscription simply does not renew.
Banyan Hill’s FAQ confirms the self-service portal is the primary path for managing subscriptions, including cancellations and auto-renew settings.
Method 2: Cancel by Phone
- Call 1-866-584-4096 (toll-free).
- International callers: +1-443-353-4446.
- Hours: Monday through Friday. The FAQ page states 8:00 a.m. to 8:00 p.m. Eastern Time, while the Contact Us page states 8:00 a.m. to 6:00 p.m. (both verified July 20, 2026). Call before 6 p.m. to be safe — the shorter window is the one that matters.
- Have your account email or order number ready.
- Ask the representative to cancel your subscription and turn off auto-renewal. Confirm whether you are within any refund window that applies to your product.
Cancel by Contact Form
Banyan Hill’s Contact Us page includes a form for subscriber inquiries. If the phone line is unresponsive, the contact form creates a written record of your cancellation request. Note that the email address info@banyanhill.com is send-only per the FAQ — it cannot receive replies. The contact form is the written channel, not email.
The 48-Hour Cancel Rule
This is the detail most Banyan Hill subscribers miss. The Terms (verified July 20, 2026, at banyanhill.com/disclaimer) state that customers on an auto-renewal billing model are “charged to the payment method on file unless canceled at least 48 hours before the next billing date.” Cancel inside that 48-hour window and the charge may still process, putting you in the position of requesting a refund rather than preventing the charge.
The fix: cancel at least 48 hours before your renewal date. If you do not know your renewal date, log in to the self-service portal and check, or call and ask. Calendar it a week in advance to give yourself margin.
The Refund Fine Print
Banyan Hill’s refund policy follows the Agora-family template (verified July 20, 2026, against the Terms, Section 10). The structure is nearly verbatim across Paradigm Press, Banyan Hill, and the broader Agora network.
The Default: Non-Refundable
The Terms state: “Subscription payments are non-refundable and all sales are final unless otherwise indicated.” When you cancel, you keep access through the end of the current subscription period. Future charges stop. Past charges are not refunded unless you are within a stated refund window.
Cash Within the Stated Window
If a refund is offered, the Terms state: “you may elect to receive your refund in the form of cash within the stated refund period.” The specific window depends on the product and is stated on the order form. Banyan Hill’s 10X Stocks, for example, documents a 30-day guarantee period. The exact window varies by publication — check your order confirmation or the product’s order page.
Credit After the Window
The Terms continue: “If a refund request is made after the expiration of the stated refund period, we reserve the right to issue the refund in the form of credits to your customer account. Any unapplied credits will automatically expire after one (1) year.”
This is the cash-versus-credit split that generates most complaints. A subscriber hears “money-back guarantee” in a marketing presentation, assumes cash, and discovers the order form says credit after the window. BBB records (verified July 20, 2026) document this pattern across the Agora family.
The 2-Year Resubscribe Forfeiture
Banyan Hill’s Terms include a clause that Paradigm Press also carries: if you cancel and resubscribe within two years, you forfeit the money-back guarantee on the new subscription. The logic is that the guarantee applies to first-time purchases only. If you canceled once and came back, the second purchase is treated differently.
Lifetime Subscriptions: Product Life, Not Your Life
The Terms define lifetime subscriptions as the lifetime of the product, with a 3-year minimum fulfillment obligation and a “similar service” substitute if the original product closes. This is the clause that caused the most documented grievance at Banyan Hill: BBB records show a True Momentum lifetime subscriber whose service was consolidated into Extreme Fortunes after Paul Mampilly’s departure. The refund was refused, and the publisher reportedly told the subscriber that “lifetime” meant a 5-year term internally. The lesson is durable: “lifetime” in financial publishing means the lifetime of the product, not the subscriber. When the product ends, the publisher decides what — if anything — to offer in return.
The Auto-Renew Trap to Watch For
Banyan Hill subscriptions auto-renew by default. The order form discloses that the subscription will automatically renew at the full list price until you cancel. The Terms include an account-updater clause: “Payment methods may be automatically updated through account updater services.” This means card networks can push your new card details to Banyan Hill automatically when your old card is replaced. A new card number does not stop auto-renew. Only a cancellation does.
The pre-renewal notification email is sent, but like all Agora-family publishers, the email lands in an inbox full of promotional volume and is easy to miss. The 48-hour rule compounds this: if you see the renewal charge and call the same day, you may be inside the window where the charge has already processed.
The fix: turn off auto-renew in your account settings at banyanhill.com/customer-self-service immediately after subscribing, and calendar the renewal date a week in advance.
The Charge Descriptor Cross-Reference
If you arrived here because you saw a charge on your credit card statement, the Banyan Hill billing descriptor is PSV BH-PUB.COM* or PSV* followed by a product name. The “PSV*” prefix stands for “publishing services” and is shared across the Agora publishing family — Paradigm Press, The Oxford Club, and historically Stansberry Research all use it. The phone number 866-584-4096 follows the descriptor on most statements. If your descriptor says “PSV*” with a different phone number, you may be looking for a sister publisher. See the PSV* Banyan Hill charge decode for the full breakdown and cross-references to Paradigm Press, Oxford Club, and Stansberry Research.
Confirmation Checklist
After canceling, verify each of these:
- You received a cancellation confirmation email from Banyan Hill. If not within 24 hours, call 866-584-4096.
- Your account page at banyanhill.com/customer-self-service shows the subscription as canceled or auto-renew turned off.
- Auto-renew is off for all products in your account, including any bundled with the one you intended to cancel.
- Check your credit card statement the following month. No new PSV* charges should appear. If one does, call immediately — and document the date you originally canceled.
- If you were promised a refund, confirm the amount, the form (cash or credit), and the timeline. Cash refunds process back to your original payment method. Credits apply to your account for use toward other Banyan Hill products and expire after one year.
What If the Charge Is Not Yours
If you have never subscribed to any Banyan Hill product and the charge is unfamiliar, contact Member Services at 866-584-4096 or use the contact form at banyanhill.com/contact-us. Common explanations include a family member who used a shared card, a free trial that converted to paid, or a subscription purchased under a different email address.
If you have contacted Banyan Hill and the issue is unresolved, a chargeback through your card issuer is the escalation path. Try the publisher first. BBB records show Banyan Hill has honored same-day cancellation refunds ($79 case refunded next day, with a 7-business-day processing window cited). The publisher does resolve billing complaints when the subscriber calls directly — the friction is usually at the initial service-desk contact, not after escalation.
When a Chargeback Makes Sense
A chargeback is the last resort. Use it only if:
- You contacted Banyan Hill by phone and received no response within a reasonable timeframe.
- The charge is clearly fraudulent (you have no account and never subscribed).
- You canceled within the 48-hour window and the charge processed anyway, and Banyan Hill will not refund it.
- You have written evidence of a refund promise that customer service refuses to honor.
Filing a chargeback without first contacting the publisher will likely result in Banyan Hill disputing it. Their order-form records are thorough. Document your cancellation confirmation and any refund promise before escalating to your card company.
Contact Reference
All contact information verified July 20, 2026 against banyanhill.com/contact-us, banyanhill.com/faq, banyanhill.com/disclaimer, and banyanhill.com/customer-self-service.
| Method | Details |
|---|---|
| Phone (U.S.) | 1-866-584-4096 |
| Phone (International) | +1-443-353-4446 |
| Hours | Monday-Friday, 8 a.m.-6 p.m. Eastern Time (FAQ lists 8 a.m.-8 p.m.; call before 6 p.m. to be safe) |
| info@banyanhill.com (send-only — use the contact form for replies) | |
| Online Portal | banyanhill.com/customer-self-service |
| Contact Form | banyanhill.com/contact-us |
| Sovereign Offshore Services, LLC, 702 Cathedral Street, Baltimore, MD 21201 | |
| Payments Mail | PO Box 925, Frederick, MD 21705 |
| Legal Entity | Sovereign Offshore Services, LLC |
Flack Jacket Finance is an independent publisher and is not affiliated with Banyan Hill Publishing or Sovereign Offshore Services, LLC. We may earn affiliate commissions from links on this site. This page was last verified July 20, 2026. Publisher phone numbers, portal paths, and refund policies change — always confirm directly with the publisher before acting.
For cancellation steps at sister publishers in the Agora family, see the Oxford Club cancellation guide, the Paradigm Press cancellation guide, and the Stansberry Research cancellation guide. The Money Map Press cancellation guide covers the defunct Agora sibling that closed in May 2024.
See the PSV* Banyan Hill charge decode for the billing descriptor breakdown, or the guides index for more publisher help pages.