Answer six questions about how you sell and get a complete refund & return policy — built on EU consumer-rights baselines, ready to paste into any shop, app or website.
Nothing leaves this page — everything is generated locally.
Your terms of service, privacy policy and cookie consent flow matter just as much — and regulators fine for each of them. Run a free scan to check the whole picture on any CMS.
Scan your site freeUnder the EU Consumer Rights Directive, consumers who buy online have 14 days from delivery to withdraw from the purchase without giving a reason, and you must refund within 14 days of being notified. Crucially, if you don't clearly inform customers of this right before they order, the window extends to 12 months — so publishing an accurate policy isn't optional paperwork, it directly limits your exposure.
The main exemptions: goods made to the customer's specifications or clearly personalised; sealed goods unsuitable for return for health-protection or hygiene reasons once unsealed; digital content whose delivery has started with the customer's express consent and acknowledgement of losing the right; services fully performed with consent; perishable goods; and newspapers or magazines. Your checkout should capture the required consents for these categories.
Subscriptions renew until cancelled, so your policy should state plainly how cancellation works, when it takes effect (usually end of current billing period), and whether past periods are refundable. A common fair pattern: full refund of the first payment within 14 days, later periods non-refundable but cancellable any time. Never bill after cancellation — it is the single biggest driver of chargebacks.
In the EU, the default under the Consumer Rights Directive is that the consumer pays the direct cost of returning goods when withdrawing — unless you choose to cover it (some shops do for orders above a threshold). For faulty or misdescribed goods the seller always pays return costs. State which case is which; ambiguity here generates most refund disputes.
In your footer on every page, on the product page before checkout, and at checkout itself — EU law requires pre-contractual information about the withdrawal right to be given before the order is placed. Also include a summary in your order confirmation email. If you have terms of service, cross-reference this policy there rather than duplicating text that can drift out of sync.
Disclaimer: This generator provides general information, not legal advice. Generated policies are a starting point; exact obligations depend on jurisdiction, business model and what your checkout flow discloses. For binding policies consult a qualified lawyer.