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What happens to my data when my subscription expires?

Standard Notes Extended is typically a "visual" layer only on top of your existing data. When your subscription expires, you won't be able to use the external editors anymore, but you'll still be able to access and edit all your data using the plain editor.

What about two-factor authentication?

As a courtesy, we keep two-factor authentication enabled for accounts even after their subscription expires, so long as a refund is not requested.