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When you sign up, your trial begins and you get full, unlimited access to Bonsai for 7 days. After the 7 days, you will be prompted to choose a plan and enter your credit card details if you haven't already to continue using Bonsai.
Yes, you can upgrade, downgrade or cancel your plan at any time via your Subscription settings.
Yes, the IRS allows for tax deduction for software you use to run your business. Bonsai's expense tracking even automatically categorizes your subscription as a deductible software expense.