Missouri Gym and Subscription Cancellation Letter
Cancel a gym membership or an auto-renewing subscription in Missouri with a letter that builds in Missouri law, including Health Spa Contracts (RSMo 407.325 to 407.340). It runs in your browser; nothing you type is stored or sent.
Missouri 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 Missouri law addresses for this kind of contract are listed.
Missouri gym membership rules
The law: Health Spa Contracts (RSMo 407.325 to 407.340). Read the law
Who it covers: The law covers written health spa contracts for services over more than three months with payment covering more than three months, paid in advance or by installments; it excludes incidental nonprofits such as the YMCA, member-owned private clubs, self-defense schools, government facilities, nonprofit schools, and facilities where membership sales are 20 percent or less of gross receipts.
- Cooling-off period: You may cancel without penalty within three business days of signing (Saturdays count; Sundays and legal holidays do not) by written notice sent by certified mail, return receipt requested, or personally delivered to the contract address, with all money refunded within thirty days. Source: RSMo 407.330.1(1)-(2); 407.325(1)
- How the club must let you cancel: Cancellation must be in writing, sent by certified mail, return receipt requested, or personally delivered to the address in the contract. Source: RSMo 407.330.1(2)
- Disability or illness: The contract must allow cancellation if you become permanently disabled and cannot use a substantial portion of the services for sixty or more consecutive days, with a refund prorated by weeks remaining; a temporary disability gets a term extension; the spa may require an exam by a doctor you both agree on. Source: RSMo 407.330.1(3)-(4)
- Death of the member: The contract must allow cancellation if the buyer dies, with a refund prorated by the weeks remaining. Source: RSMo 407.330.1(3)
- Club closes or moves: If the spa goes out of business without offering services within ten miles of the contract location, you owe nothing more (even to a company that bought your contract), and a spa that relocates ten miles or more or closes must refund the prorated unused amount; a sale with a lapse of no more than thirty days does not count. Source: RSMo 407.332.2-3
- Refund timing: Money due on cancellation must be paid within thirty days after the spa receives the notice. Source: RSMo 407.330.1(2)
If a business will not process a cancellation, you can complain to: Missouri Attorney General, Consumer Protection (Consumer Complaint)
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)
- Missouri: Cancellation must be in writing, sent by certified mail, return receipt requested, or personally delivered to the address in the contract. (RSMo 407.330.1(2))
- Refund timing in Missouri: Money due on cancellation must be paid within thirty days after the spa receives the notice. (RSMo 407.330.1(2))
- 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: Missouri Attorney General, Consumer Protection (Consumer Complaint), https://app.ago.mo.gov/app/consumercomplaint
- This letter is a starting point you edit and send yourself. It does not cancel anything by itself, and it is not legal advice.
Missouri gym membership cancellation law
Missouri regulates these contracts through Health Spa Contracts (RSMo 407.325 to 407.340) (RSMo 407.325 to 407.340). The rules below come from the statute text; each links to its source, and the first line says which contracts the law covers.
Missouri gym membership rules
The law: Health Spa Contracts (RSMo 407.325 to 407.340). Read the law
Who it covers: The law covers written health spa contracts for services over more than three months with payment covering more than three months, paid in advance or by installments; it excludes incidental nonprofits such as the YMCA, member-owned private clubs, self-defense schools, government facilities, nonprofit schools, and facilities where membership sales are 20 percent or less of gross receipts.
- Cooling-off period: You may cancel without penalty within three business days of signing (Saturdays count; Sundays and legal holidays do not) by written notice sent by certified mail, return receipt requested, or personally delivered to the contract address, with all money refunded within thirty days. Source: RSMo 407.330.1(1)-(2); 407.325(1)
- How the club must let you cancel: Cancellation must be in writing, sent by certified mail, return receipt requested, or personally delivered to the address in the contract. Source: RSMo 407.330.1(2)
- Disability or illness: The contract must allow cancellation if you become permanently disabled and cannot use a substantial portion of the services for sixty or more consecutive days, with a refund prorated by weeks remaining; a temporary disability gets a term extension; the spa may require an exam by a doctor you both agree on. Source: RSMo 407.330.1(3)-(4)
- Death of the member: The contract must allow cancellation if the buyer dies, with a refund prorated by the weeks remaining. Source: RSMo 407.330.1(3)
- Club closes or moves: If the spa goes out of business without offering services within ten miles of the contract location, you owe nothing more (even to a company that bought your contract), and a spa that relocates ten miles or more or closes must refund the prorated unused amount; a sale with a lapse of no more than thirty days does not count. Source: RSMo 407.332.2-3
- Refund timing: Money due on cancellation must be paid within thirty days after the spa receives the notice. Source: RSMo 407.330.1(2)
If a business will not process a cancellation, you can complain to: Missouri Attorney General, Consumer Protection (Consumer Complaint)
Missouri subscription and automatic renewal law
Missouri regulates automatic renewals only for certain kinds of contracts.
Missouri subscription and auto-renewal rules
State law covers automatic renewals only for certain contracts: Buyers clubs: no automatic renewal clause, 24-month cap (407.675), Health spas: 36-month cap, buyer right of renewal (407.334). Read the law
Who it covers: Missouri has no general automatic-renewal law; buyers club contracts may not contain an automatic renewal clause and are limited to 24 months, and health spa contracts are limited to 36 months, with renewal left to the buyer.
- If the business breaks the law: A health spa contract that does not comply with section 407.330 is voidable at the buyer's option. Source: RSMo 407.334(3)
If a business will not process a cancellation, you can complain to: Missouri Attorney General, Consumer Protection (Consumer 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 Missouri?
You may cancel without penalty within three business days of signing (Saturdays count; Sundays and legal holidays do not) by written notice sent by certified mail, return receipt requested, or personally delivered to the contract address, with all money refunded within thirty days. (RSMo 407.330.1(1)-(2); 407.325(1))
Can I cancel my gym membership in Missouri if I move?
We found no Missouri 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 Missouri?
Cancellation must be in writing, sent by certified mail, return receipt requested, or personally delivered to the address in the contract. (RSMo 407.330.1(2))
Does Missouri have a click-to-cancel law?
Missouri's automatic renewal law does not include an online cancellation requirement, by the text we checked. Federal law (ROSCA) still requires a simple way to stop recurring charges for subscriptions sold online.
Sources
- RSMo 407.325 to 407.340
- RSMo 407.675 (Buyers Club Law), RSMo 407.334 (health spa contracts)
- Custom Communications, Inc. v. FTC, No. 24-3137 (8th Cir. 2025)
- FTC, Negative Option Rule ANPRM (2026)
- FTC press release, March 11, 2026
- 15 U.S.C. 8403
- 12 CFR 1026.13(b)
- 12 CFR 1005.11(b)(1)(i)
Missouri rules checked against official sources on October 21, 2026.
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