Following these contract termination tips will ensure you don’t lose (too much) money.
Unregister for a course
In accordance with the Consumer Protection Act (LPC), you can terminate the contract at any time. Prior to the start of the course, the trader cannot claim any costs or compensation from you. On the other hand, if you do so after the session has started, you will have to pay for the courses you have already taken, in addition to paying a penalty equal to the lesser of $50 or 10% of the course fee. courses not completed. Did you sign up for a series of 10 painting lessons for $25 each and cancel after two sessions? You will be charged a cancellation fee, whichever is less: $50 or 10% of the remaining lessons.
You should also be aware that the merchant does not have the right to demand payment from you before the start of the course or subscription; by law, you must pay at least two approximately equal installments, made at regular intervals (for example, the first at the beginning of the course, and the second in the middle of the session). Please note that the rules are the same regardless of whether you concluded the contract on the spot, over the phone or online.
To cancel your registration, you must send the seller the cancellation form that accompanies your contract or other written notice (it is recommended to send the document by registered mail). Once the form or notice is submitted, the contract is terminated and the seller has 10 days from that date to refund you.
Cancellation of a gym membership
You may terminate your contract with a training center or a weight control center if you do so in writing and within the time limits established by law, or:
• before the start of the provision of services (in this case you will not have to pay anything);
• for a period less than or equal to 1/10 of the term of the contract, from the moment the center started offering services to you. In this case, he may demand an amount corresponding to 1/10 of the total price stipulated in the contract. So, if you signed a 10-month contract for a total of $400, you can terminate it within the first four weeks.
You can also terminate the contract later than stipulated by the LPC. However, before informing the seller, the Authority recommends that you read sections 2125 and 2129 of the Quebec Civil Code, or even contact an organization offering legal support, as the process can be more complicated. Indeed, in this case, the “gym” may require compensation from you, in addition to the price of the services provided. For example, if you terminate a $420 yearly contract after four months of attendance, the center is entitled to claim $140 for the period you have used its services. In addition, the seller may seek compensation from you if he can demonstrate that your decision harmed him. In this case, if you feel that the compensation he is asking you for is exaggerated, you can take your case to small claims court after trying to reach an agreement with him. Please note that the procedure for terminating a contract is the same as for lessons (see above).
What if the health studio closes?
If this happens during your subscription, you may be refunded. In order to obtain a work permit, the merchant actually has to pay a security deposit to the Office de la Protection du Consommateur, which is intended to correct this situation (the amount was $20,000 per establishment until April 2021, and now it is $25,000). To find out how to claim compensation, please see the Compensation section of the Authority’s website. If you can’t find your learning center in the search module, contact the organization.
This advice is taken from 100 TIPS for Consumers, Your Rights on a Daily Basis, prepared in collaboration with the Consumer Protection Authority. On the occasion of its 50th anniversary, the Authority is offering this guide free of charge to all consumers.