I am currently reading over an independent contractor agreement but there are a few queries under employment law that I have. 1) I am responsible for purchasing my own laptop. However, upon termination by either party, they want me to hand over my laptop to delete their organisational information and client information, then they will give the laptop back to me. I am not happy about that - is that normal? Can I refuse? 2) They will pay me on the 20th of each month - is this acceptable? Can I negotiate that? 3) As a counsellor, they want access to all the client's personal information at any time including my premises. Is this acceptable?