Your Right to Cancel a Purchase in New Jersey

A home improvement contract may be cancelled by the consumer for any reason before midnight of the third business day after the consumer receives a copy of it. Cancellation must be in writing, sent by registered or certified mail (return receipt requested) or delivered personally to the contractor's address in the contract. All money paid must be refunded within 30 days of the contractor's receipt of the cancellation notice, and any credit or loan arranged through the contractor must be cancelled without penalty. The contract must contain a printed notice of this right.

Under the Refund Policy Disclosure Act, every retail store must conspicuously post its refund policy on a sign attached to the item, at each register, visible from the register, or at each public entrance. The sign must say whether the store gives refunds and under what conditions, including for sale or "as is" items, without proof of purchase, time limits, and whether refunds are in cash or store credit. A store that violates the Act must give the buyer, for up to 20 days after purchase, a cash refund or credit at the buyer's option if the item is unused and undamaged. Stores that already give cash refunds (or credit for credit purchases) on unused, undamaged goods returned within at least 20 days do not have to post a sign.