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If I purchase the annual plan, paid monthy can I opt out at any time before 1 year?
Yes, subject to payment of the cancellation fee which is 50% of the remaining contract. So if you cancel after six months you would be charged for a further three months.
Moving to Adobe Creative Cloud
The monthly plan only costs a rip off price and it's very easy to get into the pay monthly 1 year plan with its outrageous cancellation terms. Nothing but greed shame on you Adobe!