Read the fine print

pacpio-team/read-the-fine-print
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Owner: Pacpio Team Made by the Pacpio team
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contract-types.md

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What to look at first, by document type

Lease (a flat, a house, a room, a studio)

Deposit (amount, return date, allowed deductions); rent increases (how often, by what rule); notice periods for both sides; who repairs what; utilities and service charges; subletting and guests; inspections and access; condition report and photos at move-in; early termination and its cost.

Service or freelance contract

What exactly is delivered and how acceptance works; payment terms (when, how much, late payment); number of revisions; who owns the result and when ownership passes; cancellation by either side and what is paid then; liability and its cap; confidentiality; whether you may name the client as a reference.

Employment

Probation and its notice; working hours and overtime; pay, bonus and the conditions of the bonus; holidays; notice periods; non-compete and non-solicit; who owns what you create; training costs to be repaid if you leave.

Terms of service (apps, subscriptions, platforms)

Price and automatic renewal; how to cancel and what happens to your data; what they may do with your content; one-sided changes; account suspension rules; dispute clauses; refund rules; the country whose law applies.

Loan or credit

The total cost, not only the rate; all fees; the payment schedule; early repayment and its cost; what happens on a missed payment; variable rates and their rule; security or guarantees; cooling-off period.

Insurance

What is excluded; waiting periods; the deductible; how and how fast to claim; what documents a claim needs; premium changes; cancellation by the insurer; the duty to disclose.

A law or a regulation

When the user pastes a law or a policy proposal: what changes in plain words, who it affects, from when, what its stated purpose is, and which parts are downplayed or need a closer look. No verdict on politics; both the stated goals and the practical effects.

# What to look at first, by document type## Lease (a flat, a house, a room, a studio)Deposit (amount, return date, allowed deductions); rent increases (how often, by what rule); notice periods for both sides; who repairs what; utilities and service charges; subletting and guests; inspections and access; condition report and photos at move-in; early termination and its cost.## Service or freelance contractWhat exactly is delivered and how acceptance works; payment terms (when, how much, late payment); number of revisions; who owns the result and when ownership passes; cancellation by either side and what is paid then; liability and its cap; confidentiality; whether you may name the client as a reference.## EmploymentProbation and its notice; working hours and overtime; pay, bonus and the conditions of the bonus; holidays; notice periods; non-compete and non-solicit; who owns what you create; training costs to be repaid if you leave.## Terms of service (apps, subscriptions, platforms)Price and automatic renewal; how to cancel and what happens to your data; what they may do with your content; one-sided changes; account suspension rules; dispute clauses; refund rules; the country whose law applies.## Loan or creditThe total cost, not only the rate; all fees; the payment schedule; early repayment and its cost; what happens on a missed payment; variable rates and their rule; security or guarantees; cooling-off period.## InsuranceWhat is excluded; waiting periods; the deductible; how and how fast to claim; what documents a claim needs; premium changes; cancellation by the insurer; the duty to disclose.## A law or a regulationWhen the user pastes a law or a policy proposal: what changes in plain words, who it affects, from when, what its stated purpose is, and which parts are downplayed or need a closer look. No verdict on politics; both the stated goals and the practical effects.