I previously had XM before the merger as well, and figured I wouldn't worry about it because i don't get the best reception where I live, and i knew it was past a year, yet i was still recieving the feed, then i kept recieving emails saying they couldn't process the payment. After closely looking at the agreement, and email i noticed it stated that you wouldn't even get a full refund but 3/4 of the total subscription payment.