I personally understand your frustration however reading the exclusions is important if you want to protect yourself. Yeah I know most people don't (I do) because I don't like surprises. I ask for names and take notes when I talk to people over the phone also because what they say is important and I intend to hold them accountable for it. Just my 2cents

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"What you hear in a great jazz band is the sound of democracy. “The jazz band works best when participation is shaped by intelligent communication.”
Harmony happens whenever different parts get to form a whole by means of congruity, concord, symetry, consistency, conformity, correspondence, agreement, accord, unity, consonance…….