If you stop paying
Everything you have already recorded stays available to view and
export. You are not locked out of your own records. What stops working
is scanning new receipts and sending new claims.
The same is true for someone whose employer stops paying for them.
Every trip, receipt and claim they recorded is in their account and stays
there, because they recorded it. A business buys its people a
subscription; it does not thereby own their records.
Changing your mind
You can subscribe at any point in the trial, and nothing is charged
until it ends. Cancelling leaves you with full access to the end of the
period you have already paid for. The full detail is in the
terms.