In my opinion it was, and I tried to get that far at which point they invested in doing it correctly just in time, such that they legally charged us correctly b

In my opinion it was, and I tried to get that far at which point they invested in doing it correctly just in time, such that they legally charged us correctly before state law required them to and thus our claims could no longer be tried in court. I might be tempted to fight them on it, but then I might give up when I get sent a letter from a lawyer referencing the contract with my wife's signature. Few people I think would then hire their own lawyer to fight the legality of a contract you did sign. It's all about getting people to just pay to make it go away without them trying very hard. And if someone wants to take it to court, okay we'll do it correctly. Same as plea deals: most people don't exercise their right to a jury because they choose between their constitutional right + exaggerated threats and just accepting a plea deal.