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and the adobe stock subscription is (apparently) inadvertently made by user by selecting a check box when making their app (eg, photoshop) subscription.

Hi @Marvelous_Sunbeam4420,

Thank you for reaching out.

Upon checking, I can confirm that you have an active Photoshop and Adobe Stock plan associated with the Adobe ID used to post this query. Both subscriptions are on an annual plan, paid monthly.

Please note that if you cancel a plan within 14 days of purchase, you are eligible for a full refund and your account will switch to a free membership. However, if you cancel after 14 days, an early termination fee will apply. This fee is 50 percent of the remaining balance of your annual contract. For example, if you cancel in the ninth month, you would be charged 50 percent of the remaining three months' fees.

The reason for this charge is that annual plans are offered at a discounted rate compared to monthly plans. The early termination fee helps offset that discount if the plan is cancelled before the end of the commitment period.

For more details, please refer to the following document:
https://adobe.ly/3ZIJPMk

Let us know if you need any further assistance.