A pre-sale disclosure is a short written summary of the main terms of a service contract, usually separate from the full contract and often given at the point of sale. Some states require one by statute. Rules on its form, its timing, and its wording differ from state to state, so do not assume that a sheet you were handed meets any particular standard. The state pages on this site cite the statute or program for each state they cover and say where this edition has not read the rules. Use them as a starting point, then read the statute itself or ask the regulator named on your paper.
Check the timing
Work out whether the sheet reached you before you signed, before you paid, and before the unit was delivered. Write down the moment you received it, along with the moment you signed. If the sheet came after the signature, or was described as coming later, note that in writing on the sheet or in a message to the seller so there is a record of what was said.
Compare the sheet with the contract
Set the sheet beside the full contract and check that they describe the same product. Compare the product name, the term, the event that starts the coverage, the cancellation wording, the transfer wording, and any exclusions the sheet mentions. Where the two differ, ask in writing which document governs. A verbal answer is not enough, and you should keep the written reply with both papers.
Check what the sheet tells you to do
A useful sheet says how to cancel, where to send a complaint, and which regulator oversees the contract. Check that the regulator named on the sheet matches the regulator named on the contract. If the two name different bodies, or if the sheet names none, ask which office handles complaints about this product and keep that answer.
Questions to ask before you sign
Did I receive the sheet before I signed? Which statute or program does the sheet cite? Does the sheet describe the product I am buying? Does the sheet name a regulator and say how to reach it? Is there a copy of the complete contract, and will I have it before the coverage starts? Keep the sheet, the contract, and every written reply in one folder.