South Carolina Home-Solicitation Credit Home Improvement Contract

SOUTH CAROLINA HOME-SOLICITATION CREDIT HOME IMPROVEMENT CONTRACT

Before signing: Use only if the contractor or its representative personally solicits the buyer at a residence, the buyer signs there, the total price is at least $25, and the sale is a consumer credit sale under S.C. Code § 37-2-501. A qualifying credit-card or consumer-loan payment may bring the sale within that section. Check its exclusions and the federal exclusions in 16 C.F.R. § 429.0(a), including transactions governed by federal rescission law. Confirm any builder license or specialty-contractor registration required for this work under S.C. Code § 40-59-20(6) or § 40-59-20(7) before signing; § 40-59-30(B) limits enforcement by a contractor who was required to obtain one but did not. This English document is for an English sales presentation; translate the contract and notices if another language was principally used. Give the buyer a completed signed copy and two completed cancellation forms at signing. The federal notice attached below is the form permitted by S.C. Code § 37-2-503(2)(a) for a sale to which the FTC rule applies.

Transaction date, when buyer signs: [__/__/____]

Seller / contractor's legal name: [________________________________]

Seller's mailing and permanent business address: [________________________________]

Seller's telephone: [________________________________]

Residential builder license or specialty-contractor registration, if required for this work: [TYPE, NUMBER, TRADE, AND CURRENT STATUS; OR EXPLAIN WHY NOT REQUIRED].

Buyer: [________________________________]

Buyer's residence and work site: [________________________________]

Credit arrangement: ☐ Seller credit ☐ Qualifying credit card ☐ Qualifying consumer loan. Details and separately required credit disclosures attached: [TITLE AND DATE OR NONE].

1. Work, materials, and schedule

Seller will perform the following home improvement work: [DETAILED SCOPE, LOCATION, DIMENSIONS, MATERIALS, BRAND/MODEL, AND FINISHES]. Signed plans or specifications are Exhibit [__].

Work excluded: [________________________________]

Permits and inspections: [IDENTIFY, RESPONSIBLE PARTY, AND REQUIRED APPROVALS].

Planned start: [__/__/____]. Estimated completion: [__/__/____]. Specific delay terms: [________________________________].

2. Price and payment

Total price, including all charges: $[____].

Financing charge or credit terms, if part of this sale: [EXACT TERMS OR ATTACHED CREDIT AGREEMENT]. Required separate credit disclosures, if any, must be supplied with this contract.

Any change in the work, price, or schedule requires a signed change order describing that change before the extra work begins.

3. Completion and warranty

Buyer will provide reasonable work-site access during [HOURS]. Seller will notify Buyer when the work is substantially complete. The parties will list any remaining work and its agreed completion date in a signed punch list.

Seller's express warranty, if offered: [COVERAGE, TERM, CLAIM ADDRESS, AND EXCLUSIONS OR NONE STATED]. This contract does not waive rights that cannot lawfully be waived.

4. Cancellation and delivery

The buyer may cancel this covered sale until midnight of the third business day after signing, unless an applicable exception is established. The buyer may send written notice to Seller at the mailing address above; a properly addressed and prepaid mailed notice is effective when deposited in a mailbox under S.C. Code § 37-2-502(3). A valid cancellation is not limited to the detachable form. If Seller has not complied with the state agreement-and-notice rule, Buyer may cancel by notifying Seller in any manner until compliance under § 37-2-503(3). Seller will tender payments, any note or other evidence of indebtedness, and traded goods within ten days after receiving a state-law cancellation notice, as § 37-2-504(1) requires.

Completed cancellation deadline: [DAY OF WEEK, MONTH, DAY, YEAR] at midnight. Confirm the applicable state and federal business-day calculations before filling in this date.

Seller orally informed Buyer of the cancellation right at signing. This contract contains no confession of judgment and no waiver of cancellation rights.

Delivered with the signed contract: ☐ Two completed detachable Notices of Cancellation ☐ Signed plans/specifications [TITLE OR NONE] ☐ Financing agreement/disclosures [TITLE OR NONE].

5. Signatures

Cancellation statement — place immediately beside Buyer's signature in bold type of at least 10 points:

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: ____________________ Signed on: [__/__/____] at [__:__]

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

Printed name and title: [________________________________]

Completed copy and both notices delivered to Buyer on: [__/__/____] By: [METHOD]

Notice of Cancellation — copy 1, detach and give to buyer

Notice of Cancellation

[enter date of transaction]

(Date)

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 [ Name of seller ], at [ address of seller's place of business ] NOT LATER THAN MIDNIGHT OF [ date ].

I HEREBY CANCEL THIS TRANSACTION.

(Date)

(Buyer's signature)

Notice of Cancellation — copy 2, detach and give to buyer

Notice of Cancellation

[enter date of transaction]

(Date)

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 [ Name of seller ], at [ address of seller's place of business ] NOT LATER THAN MIDNIGHT OF [ date ].

I HEREBY CANCEL THIS TRANSACTION.

(Date)

(Buyer's signature)

Official sources

• S.C. Code §§ 37-2-501 through 37-2-504
• S.C. Code §§ 40-59-20 and 40-59-30
• FTC Cooling-Off Rule, 16 C.F.R. part 429, official 2026 CFR