Colorado Home Solicitation Credit Home Improvement Contract

Colorado Home Solicitation Credit Home Improvement Contract

Before signing: Use only when Seller regularly makes qualifying consumer credit sales, the household Buyer pays in installments or incurs a finance charge, the amount financed does not exceed $75,000, the purchase price is at least $25, Seller personally solicited the sale, and Buyer gives this agreement to Seller at Buyer's residence. Exclude a purchase made on a lender credit card. Confirm the Colorado and federal exceptions, including an applicable federal Truth in Lending rescission transaction and a separately documented emergency. Give Buyer a completed signed copy and two completed cancellation notices at signing. Provide all separate credit disclosures the transaction requires. Print the cancellation statement beside Buyer's signature and both notices in bold type of at least 10 points, in the language used for the sales presentation; explain cancellation orally.

Date and place Buyer signs: [DAY, MONTH, DATE, YEAR], at Buyer's residence: [STREET, CITY, COLORADO ZIP].

Buyer legal name: [NAME]. Seller/contractor legal name: [NAME].

Seller's permanent business and cancellation address: [STREET, CITY, STATE ZIP].

Seller representative: [NAME, TITLE]. Seller phone: [NUMBER].

Coverage: ☐ Personal solicitation at Buyer's residence ☐ Household purpose ☐ Credit sale under C.R.S. § 5-1-301(11) ☐ Covered federal door-to-door sale ☐ No applicable exception or other federal rescission transaction.

1. Work and materials

Seller will perform the home-improvement work in Exhibit A at [WORK SITE]. Exhibit A specifies each task, location, material, product, quantity, grade, allowance, and exclusion. Seller will perform work in a workmanlike manner and obtain the permits assigned to it below.

Permits and inspections: Seller obtains [LIST] and pays $[AMOUNT]; Buyer obtains [LIST / NONE] and pays $[AMOUNT / 0]. Trade license or registration, if applicable: [NAME; NUMBER; AUTHORITY / NONE].

Extra work requires a written change order signed by both parties before it begins, stating the added scope, price, and schedule effect.

2. Schedule and access

Start: [DATE]. Estimated completion: [DATE]. Work hours: [DAYS AND HOURS]. Buyer will give reasonable access and make the selections identified in Exhibit A by their due dates. Seller will promptly describe a material delay in writing. A changed completion date requires a signed change order.

3. Price and credit

Cash price: $[AMOUNT]. Down payment: $[AMOUNT]. Amount financed: $[AMOUNT, NOT MORE THAN 75,000]. Finance charge: $[AMOUNT]. Total of payments: $[AMOUNT]. Total sale price: $[AMOUNT].

Number and frequency of installments: [DETAILS]. Creditor: [SELLER / NAME AND ADDRESS]. Security, if any: [DESCRIBE / NONE]. Any security agreement and legally required credit disclosures must be provided separately. This contract does not grant a lien by itself. No extra charge is due without a signed change order.

4. Completion and ordinary termination

The parties will inspect completed work, record incomplete or defective items, and set correction dates. Additional workmanship warranty, if offered: [TERM AND REMEDY / NONE BEYOND APPLICABLE LAW]. Product warranties apply according to their terms.

For an ordinary material breach, the nonbreaching party may give written notice identifying it and allow [NUMBER] days to cure if cure is possible. If uncured, that party may end the remaining work by written notice and seek lawful relief. The parties will account for conforming work, approved materials, payments, and lawful offsets. This clause does not limit any cancellation right below.

Ordinary notice addresses: Buyer at [ADDRESS]; Seller at the business address above. Colorado law governs. A court with jurisdiction in [COUNTY] County, Colorado may hear a dispute, subject to consumer protections.

5. Cancellation and signatures

Buyer may cancel this covered sale by written notice to Seller's business address through midnight of the third Colorado business day after signing. Colorado business days exclude Sundays and the Colorado holidays listed in C.R.S. § 5-1-301(6); federal business days exclude Sundays and federal holidays. This agreement also grants cancellation through the later of the Colorado and federal three-business-day deadlines. The single date entered on each attached notice must be that later deadline. Mailed notice is effective when properly addressed, stamped, and deposited; other written expression of intent not to be bound is sufficient under Colorado law. Seller will return payments, debt instruments, and traded goods within ten days after receiving cancellation; no charge is due for services performed under a canceled Colorado home solicitation sale.

Colorado third-business-day deadline: [DAY, MONTH, DATE, YEAR] at midnight. Federal third-business-day deadline: [DAY, MONTH, DATE, YEAR] at midnight. Later notice deadline, used on both attached forms: [DAY, MONTH, DATE, YEAR] at midnight. Fill both forms before signing.

Federal cancellation statement immediately beside Buyer's signature:

You, the buyer, may cancel this transaction at any time prior to midnight of the third business day after the date of this transaction. See the attached notice of cancellation form for an explanation of this right.

Buyer signature: ____________________ Date and time: [__/__/____, __:__]

Seller or representative signature: ____________________ Date: [__/__/____]

Printed name and title: [NAME; TITLE]

Delivery record: Buyer received this completed signed agreement, Exhibit A, and both completed cancellation forms at signing. Seller orally explained cancellation. Buyer initials: [____]. Seller initials: [____].

Exhibit A — work and materials

Work areas and tasks: [DESCRIBE]

Drawings incorporated by title and date: [DETAILS / NONE]. Excluded work: [DETAILS / NONE]. Buyer selections and due dates: [DETAILS / NONE].

Colorado and Federal Notice of Cancellation — copy 1, detach and give to Buyer

Transaction date: [DATE OF TRANSACTION]

You may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date.

If you cancel, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled.

If you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller's expense and risk.

If you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your Notice of Cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.

To cancel this transaction, mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram, to [SELLER LEGAL NAME], at [SELLER BUSINESS ADDRESS] NOT LATER THAN MIDNIGHT OF [LATER NOTICE DEADLINE FROM SECTION 5].

I HEREBY CANCEL THIS TRANSACTION.

Date: [__/__/____] Buyer's signature: ____________________

Colorado refund deadline: Seller must tender any payments, debt instruments, and goods traded in within ten calendar days after receiving cancellation. This Colorado deadline applies even though the federal notice above says ten business days.

Colorado and Federal Notice of Cancellation — copy 2, detach and give to Buyer

Transaction date: [DATE OF TRANSACTION]

You may CANCEL this transaction, without any Penalty or Obligation, within THREE BUSINESS DAYS from the above date.

If you cancel, any property traded in, any payments made by you under the contract or sale, and any negotiable instrument executed by you will be returned within TEN BUSINESS DAYS following receipt by the seller of your cancellation notice, and any security interest arising out of the transaction will be cancelled.

If you cancel, you must make available to the seller at your residence, in substantially as good condition as when received, any goods delivered to you under this contract or sale, or you may, if you wish, comply with the instructions of the seller regarding the return shipment of the goods at the seller's expense and risk.

If you do make the goods available to the seller and the seller does not pick them up within 20 days of the date of your Notice of Cancellation, you may retain or dispose of the goods without any further obligation. If you fail to make the goods available to the seller, or if you agree to return the goods to the seller and fail to do so, then you remain liable for performance of all obligations under the contract.

To cancel this transaction, mail or deliver a signed and dated copy of this Cancellation Notice or any other written notice, or send a telegram, to [SELLER LEGAL NAME], at [SELLER BUSINESS ADDRESS] NOT LATER THAN MIDNIGHT OF [LATER NOTICE DEADLINE FROM SECTION 5].

I HEREBY CANCEL THIS TRANSACTION.

Date: [__/__/____] Buyer's signature: ____________________

Colorado refund deadline: Seller must tender any payments, debt instruments, and goods traded in within ten calendar days after receiving cancellation. This Colorado deadline applies even though the federal notice above says ten business days.

Official sources

• Colorado Uniform Consumer Credit Code, Title 5, Article 3, Part 4
• FTC Cooling-Off Rule, official 2026 CFR