Automatic renewal rules in Indiana

We read Ind. Code ch. 24-5-7 on the state's official site and list what it requires below. A summary leaves out detail; the linked text is the authority.

The key phrases, copied from the official text:

• “A buyer may cancel the contract by written notice, in any form, delivered in person or mailed by certified or registered mail to the seller at the address specified in the contract.” (IC 24-5-7-5(c))
• “every contract for health spa services must provide that the contract may be cancelled before midnight of the third full business day after the buyer signs the contract” (IC 24-5-7-5(b))
• “The notice must be accompanied by the membership cards previously delivered to the buyer.” (IC 24-5-7-5(c))

The cancellation route differs by company; see Gym memberships, Planet Fitness, LA Fitness and Crunch Fitness for the details we hold.

1. 1

   Start with how you joined

   Find the email or contract that confirmed the subscription and note the next renewal date, so you know how much time you have.

2. 2

   Cancel the way the law allows

   Under the health spa law a buyer may cancel before midnight of the third full business day after signing by written notice in any form, delivered in person or sent by certified or registered mail to the address in the contract, with the membership cards enclosed. Take a screenshot or keep the email that confirms it.

3. 3

   Send a written notice you can prove

   Ind. Code ch. 24-5-7 covers only health spa contracts, so cite it only if your contract is one of them. Send a written notice that cites Ind. Code ch. 24-5-7, your account details and the end date you want. Our cancellation letter template has the layout.

4. 4

   If you are billed again

   Show the business your proof and the statute, then dispute the charge with your card issuer. What to do if a company keeps charging you walks through it.

Where no statute sets the route, many contracts ask for written notice. A mailed letter with a delivery record proves the date your notice arrived, and it is the route of last resort when an online or phone cancellation fails.

Which mail service proves what is set out in certified mail for cancellations.

The federal Restore Online Shoppers' Confidence Act requires online sellers using automatic renewals to provide simple mechanisms to stop recurring charges. The FTC's 2024 click-to-cancel amendments are not in force: on July 8, 2025 the Eighth Circuit vacated them (Custom Communications, Inc. v. FTC, No. 24-3137), on February 12, 2026, in a rule effective that day, the FTC recodified its Negative Option Rule "as it existed before the effective date" of the 2024 amendments (91 FR 6507), and on March 13, 2026 it asked for public comment on "the need for amendments" (91 FR 12318). Our state-by-state overview and the FTC click-to-cancel guide have the details.