Hello there, @derek23.
Let me provide information on what happens if you cancel your subscription.
Once you cancel your subscription, you will have read-only access to your QuickBooks Online data for one year. It means you can view your data, but won't be able to download or create a transaction.
We recommend exporting your data before you cancel it. You can export them to Excel or a desktop version of QuickBooks. Please check out these links:
Also, if you're using a trial version, your data is available for 90 days.
I also added an article in case you need help reactivating your QBO account: How to resubscribe or reactivate QuickBooks Online.
Please know that I'm always around here in the Community to help. Keep safe, and have a good day.