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Cooling Off Period Explained
The three-day "cooling off" rule allows a consumer three business days to change his/her mind about any purchase of $25.00 or more that has been made in your home, at a party given in a private home for a consumer product, sales made out of a rented hotel or motel room, or a sale that has been finalized in a restaurant or in any number of temporary locations.

The "cooling off " rule does not apply to:

-Sales made at the Seller's usual place of business, i.e. retail store or car dealer's showroom;
-Sales made totally by mail or phone;
-Sales of less than $25.00;
-Sales for real estate, insurance or securities; or
-Sales for emergency home repairs;
-Car dealers tent sales.

Reputable merchants who make sales in the home will provide you with cancellation forms. In the event you decide to cancel, you should sign and date one copy. Mail or deliver this copy to the address given for cancellation at any time before midnight of the third business day (business days are the days that the company is normally open for business) after the date on the contract. Be sure to keep a copy for your personal records. Proof of the date of mailing and proof of receipt are important. You may wish to consider sending the notice by "certified mail with return receipt requested" from your local post office. No reason or explanation for cancelling is required.

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