Starting Jan 1, 2011 all new accounts are for 6-month minimum terms. After that period, and for all existing clients, all terms are month-to-month.
All payments are non-refundable. However, you may cancel your subscription at any time. To have your service canceled before the next billing cycle, you will need to cancel before the 25th of the month. After that date, your payment will be processed for the upcoming billing cycle.