Return & Refund Policy Template

A customizable return and refund policy covering return windows, refunds, exchanges, non-returnable items, and consumer-law rights for online stores.

Updated June 2026Commerce
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Sets a starting point for your main market; serving several, enable extra sections under Customize. These adjustments cover the US, UK, and EU broadly and are not a substitute for advice on your specific country's law.

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RETURN & REFUND POLICY

Effective Date: {Effective Date}

Last Updated: {Last Updated Date}

This Return & Refund Policy explains how {Company Name} ("we", "us", or "our") handles returns, refunds, and exchanges for purchases made through {Website URL} (the "Store"). By placing an order with us, you agree to the terms of this policy.

1. Overview

We want you to be satisfied with your purchase. This policy applies to orders placed directly through the Store. Purchases made through a third-party marketplace or reseller are governed by that platform's return policy, not this one. This is our voluntary return policy: where the law gives you a cancellation, refund, repair, or replacement right, those rights apply in addition to this policy and are not limited by it.

About this section

What's in this section

Sets the policy's scope and where it applies: orders placed directly with you, not ones made on a marketplace. It also frames the policy as accepted at purchase, which turns a posted page into part of the deal.

Why this section is here

A return policy is most defensible when the buyer agreed to it at checkout. This section establishes that link and confirms the policy does not override consumer-protection rights, which keeps the rest of it enforceable.

Common mistake

Letting the policy contradict your Terms of Service or product pages. Where they overlap on refunds or cancellation, state which document controls.

Pair this with your Terms of Service →

2. Return Window

Our voluntary return window is {Return Window} from the delivery date. Requests made after this window may be declined or offered store credit at our discretion. Where the law gives you a longer or mandatory cancellation period, that period applies instead.

Your rights in the United States. There is no general federal right to cancel an order or return goods for a change of mind, so this policy governs change-of-mind returns. Several states regulate how a refund policy must be displayed: for example, California (Civil Code §1723) and New York (General Business Law §218-a) require retailers to post their refund policy conspicuously, and a retailer that fails to do so may be required to accept returns for a refund within a set period (commonly 30 days). Your rights for faulty or misdescribed goods under state law and the Uniform Commercial Code are not affected by this policy.

About this section

What's in this section

The single number customers look for: how many days they have to start a return. The rest of the policy hangs off this clock.

Why this section is here

A clear, fixed window lets you decline a late return without it looking arbitrary. Vague timing like 'a reasonable period' invites the disputes and chargebacks you will struggle to win.

Common mistake

Setting a window shorter than the law or your sales platform requires. Some states and the EU/UK set minimums you cannot undercut, and marketplaces often mandate their own.

3. Conditions for a Return

To be eligible for a return, items must be:

(a) unused and in the same condition in which you received them;

(b) in their original packaging, with any tags, labels, or seals intact; and

(c) accompanied by proof of purchase, such as your order number or receipt.

We may refuse a return, or reduce the refund, for items returned used, damaged, or incomplete beyond what is reasonably necessary to inspect them.

About this section

What's in this section

The state an item must come back in: unused, original packaging, proof of purchase. This is the gate you apply when a return arrives.

Why this section is here

Without stated conditions you have no clean basis to refuse a worn or incomplete return. Writing them down is what lets you reduce or deny a refund and point to a rule the buyer already accepted.

Common mistake

Conditions so strict that normal inspection voids the return. Customers are allowed to open and examine goods; reserve refusal for use beyond what inspection requires.

4. Non-Returnable Items

Certain items are not eligible for return or refund, except where they are faulty or where the law requires otherwise. These typically include perishable goods, custom or personalized items, intimate or hygiene products once opened, and gift cards. Additional exclusions may apply depending on the product or service, but only where permitted by law. (Edit this list to match what you actually sell, and remove any category that does not apply.)

About this section

What's in this section

The carve-out list: perishables, custom items, opened hygiene products, gift cards. These are the categories you will not take back for a change of mind.

Why this section is here

A final-sale category only holds if it was disclosed before purchase. Listing it here, and flagging it on the product page, is how 'no returns' holds for those items.

Common mistake

Marking faulty-goods returns as final too. You can refuse change-of-mind returns on these items, but you cannot use the list to escape liability for defects.

5. How to Start a Return

To start a return, contact us at {Email Address} with your order number and the reason for the return. We will respond with return instructions and, where applicable, a return authorization. Please do not ship items back before receiving instructions, as unauthorized returns may not be processed or refunded.

About this section

What's in this section

The process a customer follows: contact you, get instructions or an authorization, then ship. It routes every return through a step you control.

Why this section is here

Requiring authorization before shipment stops surprise packages you cannot match to an order and gives you a checkpoint to confirm eligibility. It is the step that prevents most refund disputes.

Common mistake

Telling customers to ship items back with no reference number or instruction. Unidentifiable returns are the ones that get lost and turn into chargebacks.

6. Refunds

Once we receive and inspect your returned item, we will let you know whether your refund is approved. Approved refunds are issued to your original payment method within {Refund Processing Time} of approval, less any non-refundable amounts described in this policy. Original shipping charges are non-refundable, except where the return is due to our error or a faulty item, or where applicable law requires us to refund the original delivery charge.

About this section

What's in this section

How and when money goes back: original payment method, within a stated processing time, less any non-refundable charges. This is the section customers reread while chasing a refund.

Why this section is here

A concrete refund timeline sets expectations and heads off the 'where is my money' dispute. Stating that original shipping is non-refundable, where lawful, avoids an argument on every return.

Common mistake

Promising 'immediate' refunds you cannot deliver. Card refunds take days to post on the customer's side; commit to a realistic window and name it.

FTC rules on refund disclosure →

7. Return Shipping

Unless the return is due to our error or a faulty item, you are responsible for return shipping costs, and those costs are non-refundable. We recommend using a trackable shipping method and keeping proof of postage, as we cannot be responsible for items lost in return transit.

About this section

What's in this section

Who pays to send the item back, and who bears the risk if it is lost in transit. Usually the customer pays, unless the return is your fault.

Why this section is here

Return shipping is the most common point of friction. Saying plainly who bears the cost, and that faulty-item returns are on you, removes the argument before it starts.

Common mistake

Staying silent on lost return parcels. Direct customers to a trackable method so a package that never arrives is not automatically your loss.

8. Damaged, Defective, or Incorrect Items

If your item arrives damaged, defective, or not as described, contact us at {Email Address} with your order number and photos of the issue, ideally within {Return Window} of delivery so we can resolve it quickly. We will arrange a replacement, exchange, or full refund, including original and return shipping, at no cost to you. Your legal rights for faulty or misdescribed goods may last longer than our return window and are not limited by it.

About this section

What's in this section

The fast lane for goods that arrive broken, faulty, or wrong: a no-cost replacement or full refund, kept separate from change-of-mind returns.

Why this section is here

This is the non-waivable core of the policy. Statutory remedies for defective goods apply whatever your other rules say, so this section meets a legal duty rather than offering a courtesy.

Common mistake

Funneling defective items through the standard return process with its fees and window. Faulty goods get a full remedy at your cost, not a restocking fee.

9. Late or Missing Refunds

If you have not received an approved refund within {Refund Processing Time}, first check with your bank or card issuer, as posting times vary between providers. If you have done so and still have not received your refund, contact us at {Email Address} and we will investigate.

About this section

What's in this section

What a customer should do when an approved refund has not appeared: check with their bank first, then contact you. It deflects the support ticket before it becomes a dispute.

Why this section is here

Most 'missing' refunds are posting delays on the card issuer's side. Saying so up front reduces premature chargebacks filed against a refund that is already on its way.

Common mistake

Offering no guidance, so the customer's first move is a chargeback. A chargeback costs you fees and a dispute even when you have already refunded.

10. Changes to This Policy

We may update this Return & Refund Policy from time to time. The version that applies to your order is the one published at the time you placed it. We will post any changes on this page and update the "Last Updated" date above.

About this section

What's in this section

Reserves the right to update the policy and fixes which version governs a given order: the one in effect when the customer bought.

Why this section is here

Tying each order to the policy version that was live at purchase stops a later edit from applying retroactively to past sales, which a customer or card network could otherwise challenge.

Common mistake

Editing the live policy and assuming it covers old orders. Keep the version a customer accepted so you can show exactly what applied to their purchase.

Re-acceptance after changes →

11. Contact Us

If you have questions about a return, refund, or exchange, contact us at:

{Company Name}

{Return Address}

Email: {Email Address}

About this section

What's in this section

The channel customers use to start a return or raise a problem, and the address returns physically ship to.

Why this section is here

Returns stall when there is no clear, monitored contact point. A real return address and a monitored inbox keep a return from escalating into a chargeback.

Common mistake

Listing an unmonitored address. A return request that goes unanswered is the fastest route to a payment dispute.

Got what you need? Copy the template now, or read on for the section-by-section guide to what each clause does and how to adapt it.

What Is a Return & Refund Policy?

A return and refund policy is the set of rules a seller publishes for two connected things: returns (how a customer sends a product back) and refunds (how and when they get their money back). It states how long a customer has to act, what condition an item must be in, and who pays for return shipping.

A return policy is both a disclosure and a contract term. In the US there is no general duty to accept returns for a change of mind, but the FTC and several states require you to disclose your policy clearly before purchase, and a hidden or confusing policy can be treated as a deceptive practice. In the EU and UK, consumers have a statutory right to cancel most online orders within 14 days that your policy cannot remove. The document therefore states your commercial rules while sitting alongside consumer rights you cannot contract out of.

A return policy is also a commercial tool. A clear one reduces support tickets, disputes, and chargebacks by setting expectations up front, and it is most defensible when the customer accepted it at checkout rather than finding it later in a footer.

Who Needs a Return & Refund Policy?

Any business selling goods online needs one, and many selling digital products or services do too. This return policy template fits the storefronts most teams run today:

  • Online Retail

    Physical-goods stores that need clear return windows, refund rules, and who-pays-shipping terms.

  • Digital Products

    Downloads, software, and licenses, where sales are final once accessed except for faults or a statutory cancellation right.

  • Services

    Bookings and service work, with cancellation rules for work not yet performed and remedies if it falls short.

  • International Sellers

    Cross-border orders where return shipping, customs charges, and EU/UK cancellation rights all come into play.

In practice, the law is rarely the only trigger. Payment processors and card networks expect a clear, accessible return and refund policy and weigh it when a customer files a chargeback. Marketplaces and platforms (Amazon, eBay, Shopify, Etsy) require one as a condition of selling. If you ship to the EU or UK, distance-selling rules give consumers a cancellation right you must account for. A store crosses the threshold the moment it takes money for a physical product.

How to Make Your Return & Refund Policy Enforceable

A return and refund policy is strongest when the customer agreed to it, not only when it is published. How you present it and record that agreement decides whether it holds up against a dispute or a chargeback.

Disclose the policy before checkout. Show it on product pages and at the payment step, not only in a footer. Regulators and several state laws treat a hidden or unclear policy as deceptive, and a "final sale" or "no returns" rule only holds if the customer saw it before paying.

Capture acceptance at the point of sale. Tie the policy to the order with a checkbox or clear "by completing your purchase you agree" language. A policy the customer accepted at checkout is far easier to enforce than one they can claim they never saw.

Keep it consistent with your Terms of Service. The return policy and the Terms of Service should not contradict each other on refunds, cancellation, or disputes. Where they overlap, state which one controls.

Honor the rights you cannot waive. Statutory remedies for faulty or misdescribed goods, and the EU and UK right to cancel within 14 days, override your policy for consumers. State your commercial rules, but do not purport to remove protections the law guarantees.

A policy handled this way gives you a clear record to rely on if a customer disputes a charge or a chargeback reaches your payment processor.

Frequently Asked Questions

No US federal law forces you to accept change-of-mind returns, but the FTC and several states require you to disclose your policy clearly before purchase, and some states grant a default right to return when no policy is posted. In the EU and UK, consumers have a statutory right to cancel most online orders within 14 days regardless of what your policy says.
For a change of mind, no in the US, as long as your no-refund or store-credit-only rule was disclosed before the sale. For faulty goods, yes: if a product is defective, misdescribed, or never arrives, the customer is entitled to a remedy regardless of your policy. You control refunds for buyer's remorse, not for products that failed to be what you sold.
Yes, for specific items and only if you disclose it before checkout. In the US you can mark categories final sale (perishables, personalized goods, opened intimate apparel) or run an all-sales-final store, provided the rule is conspicuous at checkout, not buried in a footer. A final-sale label never overrides your duty to remedy faulty or misdescribed goods, so keep change-of-mind exclusions and defect liability separate.
Most online stores use 14 to 30 days from delivery, with 30 days the most common. A longer 60-to-90-day window can lift conversion and is common for apparel and higher-priced goods; a shorter one limits your exposure. Two floors apply: some US states and your sales platforms set minimums you cannot undercut, and EU and UK consumers always have at least 14 days to cancel. State the window as a fixed number of days, not a vague 'reasonable period,' so you can enforce it cleanly.

Not legal advice

This template is provided for informational purposes only and does not constitute legal advice. Review and adapt it to your specific situation, and consult a qualified attorney before relying on it for a real-world filing or transaction.

Make your return & refund policy enforceable.

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