[tjmc]

I'm less familiar with US law than that of commonwealth countries, but in Australia/UK/NZ at least a contract is automatically formed when there's been an offer, acceptance and payment for a service in advance. ie. If you've paid for a year's service and that service goes away after a month you're entitled to compensation for the rest.

[patio11]

If you pre-pay $29 * 11 for a SaaS app in the US, and the service closes a month later, you've got a claim against the merchant for ~$290. You almost certainly don't have a breach of contract remedy, because they are not failing to perform under your contractual relationship, and your contractual relationship almost certainly limits damages to the amount you've paid.

You can also probably get your bank to do a chargeback, and they might give you all $319, because it isn't worth their time to do math.