How do I downgrade or stop paying, and is that the same as closing my account?
No. There's no "Cancel subscription" button and no payment method to manage inside Fold: to move down a plan or stop, write to Fold with "Something's wrong" and you go back to the Free plan without losing any data.
No. There's no "Cancel subscription" button and no payment method to manage inside Fold: to move down a plan or stop, write to Fold with "Something's wrong" and you go back to the Free plan without losing any data. Closing your account (Account › Privacy) means leaving Fold entirely, with data deletion after 30 days.