Can I cancel a contract I signed in Ontario — HVAC, gym, timeshare or door-to-door?
The Consumer Protection Act, 2002 gives statutory cancellation rights for several contract types, and a contract that omits required disclosure can often be cancelled for up to a year.
Ontario's Consumer Protection Act, 2002 gives a ten-day cooling-off period for direct agreements made away from the supplier's place of business, and separate rules for personal development services such as gyms, time-share agreements and future performance contracts.
The stronger remedy is disclosure. If the written agreement omits the information the Act requires — total cost, delivery date, cancellation rights and the supplier's details — the consumer can generally cancel within one year and demand a refund. Door-to-door sales of certain HVAC and water-heater products are prohibited outright.
Cancel in writing, keep proof of delivery, and notify the finance company separately where a loan was arranged with the purchase, since the credit agreement does not automatically fall with the goods contract.
Source: Consumer Protection Act, 2002, S.O. 2002, c. 30, Sch. A
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