Free legal document generator
Free Refund Policy Generator — EU, UK, US & AU Compliant
Required by law in the EU, UK and Australia. Required by Stripe, PayPal, Shopify and every payment processor worldwide. Build customer trust and reduce chargebacks with a clear, lawyer-drafted return and refund policy. Free with a quick sign-up.
- EU/UK 14-day right of withdrawal language built in
- US state-by-state default rules included (CA, NY, FL, MA, RI and more)
- SaaS, digital, physical-goods and subscription variants
What is a refund policy?
A refund policy (also called a return policy or return and refund policy) is a legal document that sets out the rules and conditions under which customers can return products or cancel services and receive a refund, exchange or store credit. In the EU and UK, a minimum 14-day right of withdrawal (cooling-off period) is legally required for distance contracts. In the US, while no federal law mandates refunds, most states require businesses to disclose their refund policy and many set default refund windows when no policy is posted. For SaaS and digital products, refund rules vary by product type and jurisdiction.
How it works
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Tell us about your business — what you do, where your users are based, and what data you collect.
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Your Refund Policy is generated instantly, customised to your answers. Takes about 3 minutes total.
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Is a Refund Policy legally required?
A refund policy is required directly by law in many jurisdictions, and indirectly required by every major payment processor.
Mandatory 14-day right of withdrawal for distance contracts. Refund must be issued within 14 days of receiving the withdrawal notice. Specific exemptions apply (custom-made goods, perishables, downloaded digital content with prior consent).
- Max fine:
- Up to 4% of annual turnover for widespread violations (Omnibus Directive)
14-day right of withdrawal (CCR 2013) plus 30-day right to reject faulty goods (Consumer Rights Act 2015). Digital content has a 30-day right to reject for non-conformity. These rights cannot be excluded by any policy.
If a merchant cannot ship within the stated timeframe (or 30 days if unstated), the customer must be notified and offered a refund.
Refund policy must be posted conspicuously at the point of sale, on receipts, and on the website. If absent, a default 7-day return window applies for items under $50.
If no refund policy is posted, a 20-day return window applies by default. Policy must be displayed at the register and on the website.
Each state imposes specific disclosure or default-window rules. Our generator selects the right combination based on where you ship.
Statutory consumer guarantees override any 'no refund' policy. Goods must be of acceptable quality, fit for purpose and match description; services must be provided with due care and skill. ACCC actively enforces against non-compliant policies.
- Enforced by:
- ACCC
Each requires a clear refund policy displayed before checkout. Excessive chargebacks (often >1% of transactions) trigger account holds, reserve requirements or termination. A clear, acknowledged refund policy substantially reduces chargebacks.
What is included in your Refund Policy
A complete refund policy answers seven questions: who can return, what can be returned, when, how, refund method, who pays return shipping, and any exceptions.
Eligibility & timeframe
- Return window (mandatory 14 days for EU/UK distance contracts)
- Eligible products and excluded categories (custom-made, perishable, hygiene-sealed, downloaded digital)
- Original packaging and condition requirements
- Proof-of-purchase requirements
Refund method & timing
- Refund to the original payment method (default under EU/UK law)
- Refund processing time (14 days from withdrawal notice in EU/UK)
- Store credit or exchange option (cannot replace mandatory refund right)
- Restocking fee policy (if any) — must be reasonable and disclosed in advance
Return shipping
- Who pays return shipping (must be disclosed before purchase in EU/UK; otherwise seller pays)
- Return address and shipping method requirements
- Risk of loss in transit
Faulty / non-conforming goods
- 30-day right to reject for faulty goods (UK Consumer Rights Act 2015)
- Repair or replacement option (EU implied warranty)
- Statutory consumer guarantees (Australian Consumer Law — cannot be excluded)
Digital products & SaaS
- Pro-rata refund policy for cancelled subscriptions
- No refund after digital download (only valid in EU/UK with explicit prior consumer consent)
- Free trial cancellation and Click-to-Cancel compliance (FTC 2024)
- Auto-renewal disclosure (California ARL)
Process & contact
- Step-by-step return process (RMA, contact, label)
- Customer service contact channel and response time
- EU model withdrawal form (Annex I, Directive 2011/83/EU)
- Dispute resolution and chargeback policy
Built for your business type
The generator adjusts clauses based on your industry — so you only get the language you actually need.
Ecommerce (Shopify, WooCommerce, BigCommerce)
Physical-goods 14-day EU/UK withdrawal, return shipping rules, restocking fees, lost-in-transit allocation.
SaaS
Pro-rata refund policy, free-trial cancellation, Click-to-Cancel compliance, monthly vs annual rules.
Digital products (courses, ebooks, downloads)
EU digital-content exemption with explicit consent, no-refund-after-download policies, satisfaction-guarantee variants.
Subscriptions (boxes, memberships)
Auto-renewal disclosure (California ARL, FTC ROSCA), pro-rata cancellation refunds, paused-subscription rules.
Marketplaces
Buyer-protection rules, seller refund obligations, escrow timing, dispute escalation.
Trusted by 50,000+ businesses
"Our chargeback rate dropped from 1.4% to 0.6% within two months of swapping in a clearer refund policy. Stripe took us out of high-risk monitoring."
"EU 14-day withdrawal language is the kind of thing every generator promises and few actually deliver. This one nailed it."
"Found out California requires the policy on the receipt, not just the website. The generator added it automatically."
Frequently asked questions
Questions about Refund Policy before you get started?
What is a Refund Policy?
A Refund Policy is a legal document that describes the conditions under which customers can return products or request refunds. It sets clear expectations about your return window, eligible items, the refund process, any restocking fees, and how long refunds take to process.
Are refund policies legally required?
In many countries, yes. EU consumer law requires a 14-day right of withdrawal for distance selling. UK consumer law provides similar protections. Australia's consumer guarantee laws mandate refund rights for faulty goods. Even in the US, Visa and Mastercard require clear refund disclosure at checkout.
Do I need a Refund Policy for digital products?
Yes, especially for digital downloads, software subscriptions, and SaaS products. EU law gives consumers a 14-day cooling-off period that can only be waived with explicit consent before download begins. Apple App Store, Google Play, and Stripe all have specific requirements for digital refund policies.
What should be included in a Refund Policy?
A good Refund Policy should specify: the return window (e.g., 30 days), which items are eligible and any exclusions, condition requirements for returns, whether you offer full refunds, exchanges, or store credit, how to initiate a return, and how long refunds take to process.
Can I have a no-refund policy?
You can state a no-refund policy for certain items, but you cannot override statutory consumer rights. In the EU, UK, and Australia, consumers have legal rights to refunds for faulty or misdescribed goods regardless of your policy. Clearly stating this upfront reduces chargebacks and disputes.
Do I need a separate Refund Policy or can I include it in Terms & Conditions?
You can include refund terms within your Terms & Conditions, but a separate dedicated Refund Policy is recommended for e-commerce businesses. It is easier to link from checkout flows, required by platforms like Shopify, and helps reduce chargebacks by setting clear expectations upfront.
Build customer trust with a clear refund policy
EU 14-day withdrawal, UK Consumer Rights Act, US state defaults and Australian Consumer Law — all built in. Free.
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