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Many Hoosiers mistakenly believe that they can legally cancel contracts or purchase decisions as long as they do it within three days of making an agreement. In most cases, that’s simply incorrect. Under Indiana law, a sale is usually considered final immediately. However, occasionally there are exceptions.
A contract can be cancelled if the merchant’s return policy allows returns after the purchase date or if there is a law that provides consumers with a right to cancel the transaction. Indiana’s consumer protection laws provide specific cancellation periods based on the type of transaction:
3-day cancellation period:
30-day cancellation period:
If you wish to cancel a contract that includes a right to cancel, you must cancel in the manner set forth in the notice of cancellation rights. An explanation of these rights should have been given to you at the time of the sale. Typically, you must notify the seller of your intent to cancel the transaction in writing, delivered either in person or by mail. Refer to the notice of cancellation rights in your contract for the proper way to cancel.
Calling on the phone and telling the seller that you want to cancel is not legally binding on the seller, regardless of what the seller tells you.
When you attempt to cancel a purchase, the seller may try to convince you not to cancel. Unscrupulous sellers may even tell you they will give you more time to cancel to allow you more time to fully try out their product. Then, if you try to cancel at a later date, they may claim the time to cancel has passed. Any promises of an extended cancellation period should be obtained in writing!