Thanks for that. I understand now.You get an email after 12 payments inviting you to upgrade. They send you the new device and you have a short window in which to return your previous device. Yes you can pay off the contract whenever you want to get out of it.
Are you using the current stock screen protector or have you upgraded?
What is annoying is that I am sure I ordered a white S10 however the email is saying prism black. In order to get the white s10 I have to cancel the order and reapply. Don't think I can be bothered to do all that.