Yep you got it right ... but in all fairness you did sign a contract so expecting you to fulfill your part of it is not unreasonable. Failure to read and/or understand the contract you sign is not a TT error.
In the future check the IRS site to see if you are eligible for any of the FREE FILE options being offered starting mid January each year ... this year if your AGI was $72K or less then there were 10 free options to choose from...
https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free
