Refund Policy Generator
Publish a refund and returns policy that customers understand and regulators accept. Covers digital-goods cooling-off rules, subscription refunds, chargeback handling, and clear deadlines.
What's included in every draft
Return window, eligible conditions, and non-refundable categories
Digital goods and services cooling-off treatment (EU, UK)
Subscription refund rules: partial-period, pro-rata, trial
Chargeback and dispute-handling process
Method and timing of refund (original payment method, timeframe)
Contact channel and escalation path
Quality verification
Every document is verified for accuracy, completeness, and jurisdiction-specific requirements before delivery.
Jurisdiction-aware
180 jurisdictions including GDPR, UK GDPR, CCPA/CPRA, LGPD, PIPL, PDPA, PIPEDA, POPIA.
120+ languages
Translate policies into the languages your users actually read, with terminology tuned to local law.
Who needs this policy
E-commerce stores selling physical goods
Physical-goods sellers need clear return windows, condition rules, and who pays return shipping — disclosures required by EU, UK, and many US states.
SaaS and subscription products
Monthly and annual subscriptions need refund rules for partial periods, trial-to-paid conversions, and cancellations mid-cycle.
Digital-goods and download stores
Digital content has specific cooling-off rules in the EU and UK when the consumer consents to immediate delivery — the draft addresses the required pre-purchase disclosures.
Marketplaces and multi-seller platforms
Marketplaces need a platform-level refund policy plus rules for seller-initiated refunds, escalation, and platform intervention.
Jurisdiction coverage
EU Consumer Rights Directive (2011/83/EU)
This document is designed to align with the 14-day right of withdrawal for distance contracts, the information obligations under Articles 6 and 8, and the specific rules for digital content where the consumer has consented to immediate performance.
UK Consumer Contracts Regulations 2013
The PolicifyAI system outputs UK-specific withdrawal-right language, the 14-day cooling-off window, and the rules around returning goods, including who bears return shipping costs.
US state rules (California, New York, and FTC)
Compliance templates cover the FTC Mail, Internet, or Telephone Order Merchandise Rule, California’s refund-disclosure requirement (Civil Code s.1723), and the broader unfair-practices posture of state attorneys general.
Card-network chargeback rules (Visa, Mastercard)
Software-generated output references how your policy interacts with Visa and Mastercard chargeback categories, documenting the steps a customer should take before raising a dispute.
How it works in five minutes
Describe what you sell and to whom
Answer questions about product types (physical, digital, subscription), geographic reach, and consumer vs business customers.
Set return windows and exceptions
Pick return windows, non-refundable categories, and the refund method — original payment, store credit, or either at your option.
Review the draft
The draft is verified against consumer-rights directives and clarity standards.
Publish in your checkout and footer
Host on a PolicifyAI-served URL or export and paste into your Shopify, WooCommerce, or custom checkout, plus a link from the site footer.
Frequently asked questions
Is a refund policy legally required?
In many jurisdictions you must disclose your refund / returns policy before purchase. EU consumer-rights directives and UK Consumer Contracts Regulations also give buyers statutory rights that your policy must not undercut.
Ready to draft your refund policy?
Answer a short questionnaire. Download, publish, or host with PolicifyAI.
Last reviewed 17 April 2026.
PolicifyAI is not a law firm and does not provide legal advice. Generated policies are drafting starting points that require review by qualified counsel before publication or reliance.