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Sources

Where every fact comes from.

The notes on each term sheet and the Cooling-Off Check are written in our own words from these pages. The numbers in the notes refer to this list. Links checked October 9, 2026.

  1. FTC consumer advice: Extended Warranties and Service Contracts
  2. FTC consumer advice: Getting In and Out of Free Trials, Auto-Renewals, and Negative Option Subscriptions
  3. FTC consumer advice: Buyer's Remorse: The FTC's Cooling-Off Rule May Help
  4. 16 CFR 429.0: Cooling-off period for sales made at homes or at certain other locations, definitions (Cornell LII)
  5. 5 U.S.C. 6103: Federal holidays (Cornell LII)
  6. 15 U.S.C. 2306: Service contracts; rules for full, clear and conspicuous disclosure (Cornell LII)
  7. 9 U.S.C. 2: Validity, irrevocability, and enforcement of agreements to arbitrate (Cornell LII)
  8. National Consumer Law Center: Opt out of arbitration form and instructions
  9. Fenwick & West: Eighth Circuit Vacates FTC's Click-To-Cancel Rule (July 2025; summary of Custom Communications v. FTC)
  10. National Association of Attorneys General: Find my AG (state consumer protection offices)

A note on "click to cancel"

The FTC adopted a broader negative option ("click to cancel") rule in 2024, but a federal appeals court set it aside in July 2025 before it took effect (source 9). Nothing on this site relies on it. The FTC's consumer advice on cancelling subscriptions (source 2) still applies as advice.

Federal rules only. States have their own laws on automatic renewals, gym memberships, home warranties and cooling-off periods; this site does not cover them.