10-Second Pre-Subscription Scan
- ☐ Auto-renewal: notice given?
- ☐ Cancellation: same method as sign-up?
- ☐ Minimum commitment: "monthly" but 12-mo lock-in?
- ☐ Refund: real money to card or store credit?
- ☐ Pro-rata: cancel mid-cycle = get anything back?
- ☐ Dispute window: 60 days (FCBA) or shorter?
- ☐ Error liability: are they responsible for mistakes?
- ☐ Arbitration + class waiver: can you join a class?
- ☐ Unilateral pricing: can they change without consent?
- ☐ Forum selection: must you sue in their state?
Quick Rating
| Flags | Rating |
|---|---|
| 0-2 | Green — acceptable |
| 3-4 | Yellow — caution |
| 5-7 | Orange — high risk |
| 8-10 | Red — don't subscribe |
Your Federal Rights (T&C Cannot Override)
- FCBA: Dispute charges within 60 days
- FTC Click-to-Cancel: Cancel as easily as you signed up
- Chargeback: Card issuer's dispute process bypasses merchant's T&C
- State UDAP: Unconscionable terms may be void