Instant Checkmate Charged me for one month ($19.98), when I cancelled service 20min after signing up for it. I thought legally you have 3 business days to cancel a business contract unobligated. Las Vegas, Nevada

I had received a email regarding Instant Checkmate which is a background research agency.  I applied for the $9.29 a month for 6 month service not realizing that they were going to charge me not monthly but at one-time.  I searched 2 people (myself and another) for 15 minutes only to realize that the info was not accurate or better yet non-existent on persons I know had a criminal background in their pass.  I called them 20minutes after obtaining service and they told me that I could cancel but I would be charged the $19.89 a month rate.  When asked why when I will not be using service again and why can't I be pro-rated for one day at the most?  They were indignant and told me I couldn't do that.  When I asked about legally being able to cancel a business contract in three days unobligated, they (LaDonna, Manager no last names supplied) said they didnt know about that either.  I asked to speak to someone higher and they gave me the name Michael (no last names) who is a manager too.  I told them that I would be filing a complaint as soon as possible.  They said they would refund my $39.89 within the next 5-7 days. 

I should be allowed to change my mind before three days, and not be penalized for a service that I do not want nor is it what it proported to be.