Contract Cancellation Conditions

I have a contract that I want reviewed.

Are you able to tell me about a certain clause in a contract if I provide it

*. Limited Cancellation a. This form is non-cancellable unless the VEHICLE is (*) declared a total loss by the automobile liability insurance company insuring the VEHICLE; or (*) the VEHICLE is validly repossessed by the Lienholder. To complete such cancellation, YOU must notify the SELLER or the ADMINISTRATOR in writing and submit the following documents and information: i. A copy of this CONTRACT; ii. Verification of mileage at the time of request; and iii. If REPOSSESSED – supply a copy of the repossession papers; iv. If TOTALED – supply a copy of the automobile liability insurance company’s verification of loss; or b. WE may only cancel this CONTRACT for (i) fraud or material misrepresentation by YOU; (ii) YOUR failure to pay for this CONTRACT; or (iii) if it is determined by US that YOUR VEHICLE does not meet OUR eligibility requirements. c. If YOUR VEHICLE and this CONTRACT have been financed, the Lienholder set forth on page * of this CONTRACT may cancel this CONTRACT for default of the loan agreement. In the case of a repossession or total loss during the term of this CONTRACT, the Lienholder may have the right to cancel this CONTRACT effective the date YOUR VEHICLE was repossessed or totaled. In such event, notification within 90 days of the repossession or total loss and submission of documents to the ADMINISTRATOR is required. *. Refunds a. YOU may cancel this CONTRACT by notifying the SELLER or the ADMINISTRATOR in writing within 20 days after receipt of this CONTRACT if it was mailed to YOU, or within 20 days of delivery if this CONTRACT was delivered to YOU on the CONTRACT PURCHASE DATE. Upon return of this CONTRACT within such time period, and if no claims have been made prior to its return, this CONTRACT is void and YOU will receive a full refund of the Contract Retail Price within 45 days of receipt of YOUR request for cancellation by the SELLER or the ADMINISTRATOR. A *% penalty per month will be added to any full refund that is not paid or credited within such 45 day time period. The right to void this CONTRACT for a full refund is not transferable and shall only apply to the original Customer. b. YOU may cancel this CONTRACT after the applicable time period, as set forth in subsection *.a. above, or if a claim has been made, for one of the limited purposes set forth in this section by notifying the SELLER or ADMINISTRATOR in writing. YOU will receive a pro rata refund based on the lesser of remaining days or mileage on this CONTRACT minus: (*) any claims authorized or paid; and (*) a $* cancellation fee. In the event the cost of this CONTRACT is part of a retail sales contract, the Lienholder set forth on page * of this CONTRACT may be named on the refund check where permitted by law. c. In the event this CONTRACT is cancelled by US, YOU will receive a pro rata refund based on the lesser of remaining days or mileage on this CONTRACT minus: (*) any claims authorized or paid; and (*) a $* cancellation fee. d. If the SELLER cannot return the portion of the refund for which they are responsible due to bankruptcy, insolvency or if they are otherwise out of business, WE shall refund the SELLER’S portion of the refund to YOU. e. Any cancellation refund due under this CONTRACT will be calculated using the date the SELLER or the ADMINISTRATOR receives a cancellation request from YOU or YOUR authorized representative.

So after reading that clause, is it possible to cancel the contract after selling the vehicle?

Is it actually free to call them and get an answer or will you have to pay something to get a definitive answer?

Is there another website that allows me to speak with a live person via chat to confirm that there isn't a way to cancel this contract>

Is there any services that are *% free?

Thanks