Ask these 16 questions before you sign, and get the expiry date and refund terms in writing

When the contract is on the table, this sheet walks you through it question by question. Nothing important gets missed, and there is a blank line beside each one for what they actually say.

It all made sense in the room. Back home you look for how refunds are calculated, and all you find is "as per company policy".

• The expiry date, the refund formula and whether the package can be transferred, all written down before you sign
• 16 questions in four groups: before signing, fees and expiry, transfers and changes, and the signing itself
• Seven of them come with a note on the vague answers people usually get, so you know when to ask once more
• "The discount ends today" and "refunds follow the contract" leave no trace once you walk out, so it is fine to ask first and sign later