The holiday season is the busiest shopping time of the year as people search for the best deals to buy that special gift for family and friends. USLegal has the following suggestions to help you be better legally protected and for your shopping experience go smoother.
- Guard against property and identity theft. Be sure to know where your purse, wallet, check book and cash are at all times while walking around stores. Limit the number and types of cards you carry. Debit cards could open up bigger exposure to your bank account if stolen. When selecting a credit card to use, consider the card with your lowest balance limit and/or use a prepaid credit card or gift card.
- Take precautions when shopping online. When making purchases through either a lap top or cell phone, make sure you are using a secure connection and be wary of using public WiFi. Since hackers could also steal your personal data with phony email offers, take a minute to review any special holiday promotion emails you receive in their entirety and pay attention to the return email address and links included in emails to rest assured it is coming from an authentic source before you click on offers and enter any personal information. If you have any doubts, go to the retailer’s official website to view offers and promotions from there.
- Keep a receipts file. A receipt is a legal document that acknowledges a purchase has been made and it notes the transaction amount exchanged. It should also include date of purchase and method of payment. Receipts may also include warranty terms and return policies. Stores typically issue paper receipts, gift receipts, and increasingly popular are electronic or email receipts. While many retailers will likely give you store credit on smaller items if you fail to present a receipt for a return, it is not a guarantee. Keeping receipts becomes more important if making a big purchase such as buying electronics or appliances which may also have warranties that require a receipt to make a claim in the event the product is defective. If you don’t like keeping paper receipts the old fashioned way, there are plenty of software options and apps that can assist you in taking photos of your receipts with a cell phone camera to store them in digital files.
- Understand return and exchange policies. Some major retailers have a very liberal policy on store brand items purchased allowing up to a year to return while others limit returns to just 15 days. Many retailers implement special extended refund and exchange policies over the holiday season. Additionally, when making returns, some retailers will only give full credit on new and unopened items and certain items such as electronics might be subjected to restocking fees. Some online retailers make consumers pay shipping fees for returns while others will allow returns for free. It is really up to you as a consumer to take note in order to make the return process easier.
- Review terms and conditions before you click it. When making purchases online, there is often a point in the transaction when the retailer requests for you to click “I Agree” to accept terms and conditions prior to purchasing a product or service. This step is referred to as a “clickwrap” or “clickthrough” agreement and it creates a legally binding contract. Consumers often give up certain rights when they agree to terms and conditions in clickwrap agreements including the right to keep their personal data private, the right to sue, or they agree to limit warranties on products. If you have concerns after reviewing terms and conditions, you might want to check with another online retailer to see if they have more favorable policies.
6) Read and understand product warranty information. If making a major holiday purchase such as a TV, computer, or appliance, educate yourself on the warranty that comes with the product. Read more about warranties under legal definitions below.
For more holiday shopping tips, visit the Federal Trade Commission website.
USLegal Subscriptions provide a complete collection of essential documents that may be customized for your most common personal and business needs. These documents have been created by lawyers and have been trusted by more than one million consumers around the country. With thousands of documents available you have the essential tools you need for one monthly subscription fee. Personal Legal Form subscriptions with access to more than 2,000 legal documents cost $19.95 a month. Business subscriptions which provide access to more than 5,000 legal documents cost $29.95 a month. Order Now
Residential Lease Forms Package
If purchased individually, these forms would total $129.80. For just $59.95, get tremendous savings on forms you will need and use. Including state specific Lease, Lease Application, Reference Check Consent, Pre and Post Inventory Checklist, Lead Paint Disclosure, Welcome Letter, Rent Warning Letter, Rent Termination Notice, Closing Statement and more. Our most popular item. Click below to select the package for your state. Order Now
Home Sales Package
This Real Estate Home Sales Package with Offer to Purchase, Contract of Sale, Disclosure Statements and more for Residential House popular package contains the following forms for your state: (1) Offer to Purchase, (2) Real Estate Sales Contract, (3) Residential Disclosure Statement, (4) Lead-Based Paint Disclosure, and (5) EPA Lead-Based Paint info Pamphlet. Definitions, form explanations, and general information about the real estate transaction are also included. Buying or selling a home is the most important transaction most people will ever encounter. This package makes the process much easier to understand. Instant download is $59.95. Order Now
CheckPrint – CheckPrint enables you to generate a complete check in seconds! 1) Enter basic check info or upload from QuickBooks 2) Choose from one of your saved bank accounts 3) Immediately generate a full check, ready for signature! Learn More
TenantMagic – TenantMagic provides online rental applications with comprehensive tenant screening reports (credit, criminal and eviction, including a credit score) to landlords and property managers. There is no charge to landlords or managers as the applicants pay the$35 fee. Simply enter the email address of the applicant and TenantMagic does the rest, including providing personal customer service throughout the application process. The application and reports are available 5 minutes after completion. For more information or to register go to www.tenantmagic.net.
NationalEvictions.com – Select the State your properties are located in, Find everything for an Eviction in that State.
Helping Landlords and Tenants with Eviction Information & Services; Learn the Eviction Process, Buy all the Forms, View Landlord Tenant Laws, Learn your rights and Find Legal Professionals on our National Directories, ready to help with filing and defending an eviction in your state. Learn More
FormsPass.com – Formspass® originally began as a Legal Forms Subscription service supporting attorneys throughout the United States in 2004. Since then, thousands of attorneys have subscribed and used our Professional Legal Forms Library service to support their practice needs. Learn More
LegalLife Resource Center –As a public service, the LegalLife™ Resource Center contains free information and resources to assist you in understanding and organizing legal aspects of your life. Whether you are single, married, have children, are widowed or divorced, legal planning is important. Use our checklists and online tools to get your legal affairs organized today. Learn More
USLegalForms.com has been named the best online legal forms service for 11 years in a row. Top Ten Reviews gives USLegal its Gold Award after head to head comparison of 10 legal websites.
Document Preparation Services – answer a few questions and USLegal legal professionals can assist with preparation of your Last Will, Living Will, Name Change, or Power of Attorney forms. Complete questionnaire
USLegal.com would like to hear from you. If you have any questions, comments, or suggestions about our products or topics you’d like for us to feature in upcoming newsletters, please email them to Carrie Criado at Carrie.Criado@uslegal.com.
Full and Limited Warranties
Businesses that choose to provide written warranties may choose from two types: full and limited.
Full Warranties – FTC regulations concerning full warranties are considerably more stringent than those that apply to limited warranties. According to the Magnuson-Moss Act, “fully guaranteed” products or services must meet the following five criteria:
- Customer receives full money back or replacement or repair of any defective part of product in the event of a complaint
- Prompt and free repairs
- If repairs are not fully satisfactory to the buyer, a prompt refund is available
- Customer has no responsibility beyond reporting the defect to the company
- Acknowledgment of all implied warranties
Limited warranties – which must be prominently labeled as such, limit the liability of the manufacturer or service provider. A limited warranty may offer to replace defective parts free, but only do so for a limited length of time, or require that the consumer ship the product to a manufacturer-approved service center.
The distinctions between full and limited warranties and the obligations of manufacturers to honor them vary from state to state, so it is up to the consumer to carefully read the literature and understand what is covered before the purchase.
For more legal definitions, please visit our free online legal dictionary at http://www.uslegalforms.com/legaldefinitions/.