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I’d assumed something like this but they’re saying I don’t… 🤷♂️
Read the terms. I've had providers say that when it is not the case.
Their site says you have to pay the fee as a deposit up front. They tend to use this to say that you both don't pay a fee (it's a deposit) and that you pay nothing at the end (as you've already paid), when in fact both are false.
Yes that is right but you have to pay an admin fee at purchase and at the end of 12 month period