Safe in-store transactions
If you’ve purchased an item worth more than $50 in store and arranged for delivery (or you are not making full payment immediately) the Consumer Protection Act has rules that apply to your situation. Know your consumer rights.
Future performance agreements
When you make an in-store purchase worth more than $50, and arrange for delivery at a later date, or do not pay in full immediately, you have entered into a future performance agreement. These agreements apply to anything from furniture to cable packages. It is important to know the rights granted to you under the Consumer Protection Act in these cases.
Learn more about your rights under the Consumer Protection Act
In-store future performance Agreements
Future performance agreements must be offered in writing, and a copy of the agreement must be provided to you. These agreements must disclose matters such as:
- the name and contact information of the supplier (store / business)
- a fair and accurate description of the goods and services, including the technical requirements, if any, related to the use of the goods or services
- an itemized list of prices for the goods and services, including taxes and shipping charges
- a description of each additional charge that applies or may apply
- the terms and methods of payment (e.g., cash, credit card, paid in full, installments)
- where the goods or services will be delivered
Read the full list of requirements
Vague language is discouraged in contracts. All mandatory disclosures required under the Consumer Protection Act must be clear, comprehensible and prominent. If there is a dispute over ambiguous language in a consumer agreement, the Consumer Protection Act requires that the agreement be interpreted in favour of the consumer.
Cancellation rights
You can cancel a future performance agreement within 1 year of entering it if you do not receive a written copy that sets out the information required by the Consumer Protection Act. The business has 15 days from the date you cancelled to refund your payment.
It is best practice to give your notice of cancellation in writing. If you advise the business by phone, make sure to note the date and details of the conversation. Keep a copy for your records.
Late delivery
If the supplier / business does not deliver your goods or start their service within 30 days of the date stated in your agreement, you may cancel your agreement.
If the delivery date or service start date is not stated in your agreement, you may cancel your agreement at any time after 30 days have passed since the agreement was entered into.
Whether or not a delivery date or service start date is set out in your agreement, you lose your right to cancel the agreement if you agree to accept delivery or provision of services after the 30 day period passes.
Learn more about entering into and cancelling agreements
Unfair Practices
Unfair practices are prohibited.
If you enter into an agreement and there has been an unfair practice (such as a false, misleading or deceptive statement), you may cancel the agreement within 1 year of entering into it.
Tips for in-store transactions
Always do your research before engaging in any consumer transactions, especially expensive items. You can save money and avoid buyer’s remorse by following these tips set out below.
Shop around and don’t rush into anything
Visit a few different stores to compare quality and prices. Do your research online (the library has internet access if you need it), check magazines or talk with friends and family about their experiences with similar goods and services.
Deal with reputable businesses
Ask about store policies for refunds, exchanges and deposits, and get them in writing. While discounts, sales and bonus offers may be tempting, consider the quality of the item and the business behind the transaction first. Be cautious when purchasing goods that are sold in “as is” condition.
Look at floor models and displays
Inspect items you’re interested in closely. Take a photo, test sofas and mattresses, check stitching and open drawers to get a feel for quality.
Speak with the business’ representative
Discuss what’s available in terms of style, colour and materials. Talk about payment and delivery options before you enter into an agreement.
Store employees can also tell you if assembly is required, whether the store provides assembly services, and if there is a cost involved.
Read contracts carefully
Don’t enter into an agreement until you make sure that any verbal promises are included in the agreement.