Florida Gym and Subscription Cancellation Letter

Cancel a gym membership or an auto-renewing subscription in Florida with a letter that builds in Florida law, including Health Studios (Fla. Stat. 501.012-501.019). It runs in your browser; nothing you type is stored or sent.

Florida rules checked against primary sources on October 21, 2026.

Everything you type stays in your browser. Nothing is sent, saved, or added to the page address.

Only the reasons Florida law addresses for this kind of contract are listed.

Florida gym membership rules

The law: Health Studios (Fla. Stat. 501.012-501.019). Read the law

Who it covers: The contract rules apply to written contracts for future health studio services paid in advance or by installments, signed on or after October 1, 1990; businesses such as nonprofits, gymnastics schools, sports-only clubs, equipment-free dance, aerobics or martial-arts programs, country clubs and employee-only programs can be exempted by filing an affidavit with the state.

  • Cooling-off period: A health studio contract must allow penalty-free cancellation within 3 days of signing, not counting weekends and holidays, by mailing or delivering written notice; the studio may keep a per-day share and must refund the rest within 30 days. Source: Fla. Stat. 501.017(1)(a)
  • How the club must let you cancel: The three-day cancellation is by written notice mailed or delivered to the health studio. For a closure or relocation cancellation, notice of intent to cancel must be given in writing, and it also ends what you owe to any company the studio assigned the contract to. Source: Fla. Stat. 501.017(1)(a), (1)(b)2.
  • Disability or illness: The contract must allow cancellation if you become physically unable to use a substantial portion of the services you had been using, with a refund prorated by weeks remaining paid within 30 days; a certification from a Florida-licensed physician establishes the disability. Source: Fla. Stat. 501.017(1)(d)
  • Death of the member: The contract must allow cancellation if the buyer dies, with a refund prorated by weeks remaining within 30 days; the estate may be asked for proof of death. Source: Fla. Stat. 501.017(1)(d)
  • Club closes or moves: The contract must allow cancellation and a prorated refund if your contracting location goes out of business, or moves more than 5 driving miles and does not provide an equal facility within 5 driving miles within 30 days at no extra cost; short repair closures do not count. Your written notice of cancellation also automatically ends what you owe to any company the studio assigned the contract to. Source: Fla. Stat. 501.017(1)(b)1.-3.
  • Refund timing: Refunds after a three-day, closure, death or disability cancellation must be issued within 30 days after the studio receives the notice. Source: Fla. Stat. 501.017(1)(a), (b)3., (d)

If a business will not process a cancellation, you can complain to: Florida Attorney General, Consumer Protection (File a Complaint)

Your details
The business

Use the cancellation address in your contract if it gives one; for a franchise gym, that is often your home club.

Leave blank to cancel immediately.

Check before you send:

  • Add the member name exactly as it appears on the account.
  • Add the business name.
  • Add the business mailing address (from your contract or the business website).

Your letter

[Member name]

[Your address]

October 26, 2026

[Business name]

[Business address]

Re: Cancellation of membership

To whom it may concern:

I am writing to cancel my membership, effective immediately.

Please stop all further charges to my payment method, refund any amount paid for a period after the cancellation takes effect, and confirm the cancellation in writing, including the date it took effect.

Please keep this letter with the account records. I am keeping a copy, with proof of the date it was sent.

Sincerely,

[Member name]

Before you send (not part of the letter)

  • Florida: The three-day cancellation is by written notice mailed or delivered to the health studio. For a closure or relocation cancellation, notice of intent to cancel must be given in writing, and it also ends what you owe to any company the studio assigned the contract to. (Fla. Stat. 501.017(1)(a), (1)(b)2.)
  • Refund timing in Florida: Refunds after a three-day, closure, death or disability cancellation must be issued within 30 days after the studio receives the notice. (Fla. Stat. 501.017(1)(a), (b)3., (d))
  • Send it in a way you can prove: a method your contract or state law names, and keep a copy. Certified mail with a return receipt gives you a dated record.
  • If charges continue after the cancellation takes effect, you can dispute them with your card issuer or bank (see the timing rules on this page).
  • Complaints: Florida Attorney General, Consumer Protection (File a Complaint), https://www.myfloridalegal.com/how-to-contact-us/file-a-complaint
  • This letter is a starting point you edit and send yourself. It does not cancel anything by itself, and it is not legal advice.

Florida gym membership cancellation law

Florida regulates these contracts through Health Studios (Fla. Stat. 501.012-501.019) (Fla. Stat. 501.012-501.019). The rules below come from the statute text; each links to its source, and the first line says which contracts the law covers.

Florida gym membership rules

The law: Health Studios (Fla. Stat. 501.012-501.019). Read the law

Who it covers: The contract rules apply to written contracts for future health studio services paid in advance or by installments, signed on or after October 1, 1990; businesses such as nonprofits, gymnastics schools, sports-only clubs, equipment-free dance, aerobics or martial-arts programs, country clubs and employee-only programs can be exempted by filing an affidavit with the state.

  • Cooling-off period: A health studio contract must allow penalty-free cancellation within 3 days of signing, not counting weekends and holidays, by mailing or delivering written notice; the studio may keep a per-day share and must refund the rest within 30 days. Source: Fla. Stat. 501.017(1)(a)
  • How the club must let you cancel: The three-day cancellation is by written notice mailed or delivered to the health studio. For a closure or relocation cancellation, notice of intent to cancel must be given in writing, and it also ends what you owe to any company the studio assigned the contract to. Source: Fla. Stat. 501.017(1)(a), (1)(b)2.
  • Disability or illness: The contract must allow cancellation if you become physically unable to use a substantial portion of the services you had been using, with a refund prorated by weeks remaining paid within 30 days; a certification from a Florida-licensed physician establishes the disability. Source: Fla. Stat. 501.017(1)(d)
  • Death of the member: The contract must allow cancellation if the buyer dies, with a refund prorated by weeks remaining within 30 days; the estate may be asked for proof of death. Source: Fla. Stat. 501.017(1)(d)
  • Club closes or moves: The contract must allow cancellation and a prorated refund if your contracting location goes out of business, or moves more than 5 driving miles and does not provide an equal facility within 5 driving miles within 30 days at no extra cost; short repair closures do not count. Your written notice of cancellation also automatically ends what you owe to any company the studio assigned the contract to. Source: Fla. Stat. 501.017(1)(b)1.-3.
  • Refund timing: Refunds after a three-day, closure, death or disability cancellation must be issued within 30 days after the studio receives the notice. Source: Fla. Stat. 501.017(1)(a), (b)3., (d)

If a business will not process a cancellation, you can complain to: Florida Attorney General, Consumer Protection (File a Complaint)

Florida subscription and automatic renewal law

Florida has a general automatic renewal law that applies to consumer subscriptions.

Florida subscription and auto-renewal rules

The law: Fla. Stat. 501.165. Read the law

Who it covers: Florida's law covers only written service contracts with individuals (not business use) that renew for more than a month and run past six months; sales of goods are not covered, and banks, health studios, insurance-licensed entities, electric utilities and certain water and sewer companies are exempt.

  • Cancelling online: A seller of an automatically renewing service contract must let the consumer cancel in the same manner and by the same means the consumer used to accept the contract, so an online sign-up can be cancelled online. Source: Fla. Stat. 501.165(2)(d)
  • Required ways to cancel: Cancellation must be available the same way the consumer accepted the service contract. Source: Fla. Stat. 501.165(2)(d)
  • Renewal reminders: For service contracts of 12 months or more that renew for more than a month, the seller must send written or electronic notice 30 to 60 days before the cancellation deadline. Source: Fla. Stat. 501.165(2)(b)
  • If the business breaks the law: A violation makes the automatic renewal provision void and unenforceable, unless the seller shows routine written compliance procedures, an honest error and a refund of the unearned portion. Source: Fla. Stat. 501.165(2)(f), (2)(c)

If a business will not process a cancellation, you can complain to: Florida Attorney General, Consumer Protection (File a Complaint)

Federal rules that still apply

No. The Federal Trade Commission finalized a "click to cancel" rule in 2024, but on July 8, 2025 the U.S. Court of Appeals for the Eighth Circuit vacated it because the agency skipped a preliminary regulatory analysis the FTC Act requires (Custom Communications, Inc. v. FTC, No. 24-3137 (8th Cir. 2025)). The vacatur brought back the original 1973 rule, which covers only "prenotification" plans such as product-of-the-month clubs, not gym memberships or most subscriptions.

In March 2026 the FTC asked for public comment on a new negative option rule. An advance notice is an early step: it does not create any new obligation for businesses. (FTC press release, March 11, 2026)

Federal law still reaches subscriptions sold online. For subscriptions sold online with automatic charges, federal law (ROSCA) requires clear disclosure of the terms, the consumer's express informed consent, and simple mechanisms to stop the recurring charges. (15 U.S.C. 8403). For gym memberships signed in person, the cancellation rules come from state law and your contract.

If they keep charging you

If a business keeps charging you after a cancellation took effect, you can dispute the charge with the company that issued your card or holds your account. For a credit card, a written billing-error notice must reach the card issuer, at the address it gives for billing errors, within 60 days after it sent the first statement showing the charge. (12 CFR 1026.13(b)) For a debit card or bank transfer, an oral or written error notice must reach the bank within 60 days after it sent the statement that first shows the charge. (12 CFR 1005.11(b)(1)(i))

For automatic debits from a bank account, you can also stop future payments. You can tell your bank to stop a preauthorized electronic payment from your account, orally or in writing, at least three business days before the payment is scheduled. If you call, the bank may require written confirmation within 14 days, and an unconfirmed oral stop order then lapses. (12 CFR 1005.10(c)(1)-(2))

Your copy of the cancellation letter and your proof of the date you sent it are the evidence for a dispute. The regulations define which errors these procedures cover and the card issuer or bank investigates, so send the dispute promptly and in writing.

You can also report a business that will not let you cancel to your state attorney general (each state page lists its complaint office), to the Federal Trade Commission, or, for a problem with a card or bank dispute, to the Consumer Financial Protection Bureau.

What this tool does not do

  • It does not cancel anything for you or contact the business. You send the letter yourself.
  • It cannot read your contract. A statute may exempt your club or plan (for example by price, length, or type of business), and your contract may give you more rights than the statute.
  • It does not tell you whether you owe a fee, a buyout, or the rest of a contract term. Those depend on your contract and the facts.
  • It covers state statutes and the main federal rules only. City rules and court decisions can add to them.
  • It is legal information, not legal advice.

Frequently Asked Questions

Is there a cooling-off period for gym memberships in Florida?

A health studio contract must allow penalty-free cancellation within 3 days of signing, not counting weekends and holidays, by mailing or delivering written notice; the studio may keep a per-day share and must refund the rest within 30 days. (Fla. Stat. 501.017(1)(a))

Can I cancel my gym membership in Florida if I move?

We found no Florida statute that lets a gym member cancel because of a move. Your contract may allow it; read its cancellation section.

How do I cancel a gym membership in Florida?

The three-day cancellation is by written notice mailed or delivered to the health studio. For a closure or relocation cancellation, notice of intent to cancel must be given in writing, and it also ends what you owe to any company the studio assigned the contract to. (Fla. Stat. 501.017(1)(a), (1)(b)2.)

Does Florida have a click-to-cancel law?

A seller of an automatically renewing service contract must let the consumer cancel in the same manner and by the same means the consumer used to accept the contract, so an online sign-up can be cancelled online. (Fla. Stat. 501.165(2)(d))

Sources

Florida rules checked against official sources on October 21, 2026.

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