While true that SBI subscription does not expire, we may stop supporting an individual account if it is blacklisted. At that point the user would have control over closing their account (they can request a refund under the original refund framework), but we do only process those refunds on user request. We have not had any blacklisted accounts request a refund yet.
You are welcome to edit your submission and I will review again (or you can resubmit if your edit is substantial.)
Edit: Accurate. Response accepted as a qualifying submission.
Don't forgot you can also earn points by scoring the clarity and helpfulness of other qualifying responses.
Changed it a little
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