Every contract that could cost you.
Consumer contracts are where most people lose the most money. Here's what ContractScan™ handles — and what to look for in each category.
Solar contracts
PPAs, leases, and loans marketed as "free upgrades." Common traps: 2.9% annual escalators, undisclosed liens, monitoring subscriptions, removal costs, transfer restrictions when you sell your home.
Auto financing
Loans, leases, and warranty add-ons stacked at signing. Common traps: yo-yo financing, hidden GAP/warranty upcharges, capitalized-cost inflation, dealer add-ons that weren't in the deal you agreed to.
Mortgages
Purchase, refi, HELOC. Common traps: prepayment penalties, adjustable-rate reset math, undisclosed PMI, force-placed insurance clauses, balloon payments in the back half of the schedule.
Home improvement
HVAC, roofing, windows, water systems. Common traps: door-to-door sales without right-to-cancel disclosure, unlicensed contractor clauses, financing bundled into installer paperwork.
Service agreements
Gym memberships, subscriptions, timeshares, SaaS contracts. Common traps: auto-renewal without disclosure, undisclosed cancellation windows, silent price hikes, mandatory in-person cancellation.
Rent-to-own
Furniture, appliances, electronics. Common traps: APRs disguised as "processing fees" pushing effective interest into triple digits, undisclosed forfeiture clauses, repossession language that skips due process.
Student loans
Private, refi, cosigned. Common traps: variable-rate misrepresentation, silent forbearance defaults, capitalization on missed payments, cosigner-release windows never disclosed at signing.
Employment
Non-competes, NDAs, severance, arbitration. Common traps: overbroad geographic/temporal non-competes, invention-assignment clauses that swallow personal work, one-sided arbitration with employer-chosen forum.