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I had similar concerns and have gotten it on my skin just washed it off. Go to their website and read about it, not as bad as it seems. Look up the chemical permethrin as well. Did you get the aerosol kind or the kind that comes in a spray bottle?
I've used it for turkey season for several seasons in a row now. I spray it on my outer layers, not socks or undies, and especially around cuffs and zippers etc. It works! I don't even think about ticks when I'm out. The warnings are scary but I don't think its as bad as it sounds. I use latex gloves when applying and try to spray downwind. One bottle usually doesn't cover two sets of clothes, IMO.