Free Refund Policy Generator for Small Business

Digital, goods or services: set the window and rules and a clear refund policy builds itself as you type.

Quick answer: Draft a plain-English refund policy for digital products, goods or services with window, process, exceptions and state-law notes. Free, fast, no signup.

Fill the fields — the draft builds itself live as you type.

Output is plain text — copy it into any word processor, then replace every [BRACKETED] placeholder before you sign or publish it.

How to use

  1. Enter your business name and pick the business type.
  2. Choose the refund window (7/14/30/60 days or custom) and decide on a restocking fee for goods.
  3. Add any extra conditions, one per line, in the conditions box.
  4. Copy or download the policy and post it at checkout and in your order emails.
  5. Check the state-law note and have a professional review before publishing.

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance); content last reviewed September 2026. For decisions that matter, confirm with a licensed professional in your country.

About this tool

A clear refund policy prevents most refund disputes before they start. Choose your business type — digital products, physical goods or services — and the wording adapts: the refund clock runs from purchase, delivery or completion respectively. Set a window of 7, 14, 30 or 60 days (or a custom length), decide whether a restocking fee applies to returned goods, and add your own conditions, which appear as an additional-terms section. The draft covers eligibility, how to request a refund, processing time, non-refundable items and a state-law note, because consumer-protection laws in all 50 states may add rights this policy cannot take away. This template is a starting point, not legal advice — have a qualified professional review before use. Your inputs never leave the browser.

FAQ

Is this refund policy legally airtight once I publish it?
No policy is airtight — enforceability depends on where you sell and how clearly terms were presented before purchase. This template is a starting point, not legal advice — have a qualified professional review before use, especially if you sell across state lines or into the EU/UK.
How long should my refund window be?
14 to 30 days is the common range and builds the most trust; digital sellers often use 7 to 14. Longer windows reduce buyer hesitation but increase exposure. Whatever you pick, enforce it consistently — inconsistency is what regulators and chargeback processors notice.
When is a restocking fee fair — and legal?
Restocking fees (typically 10–20%) are generally accepted for opened or special-order goods when disclosed before purchase, but many states restrict them for defective items or require clear signage. The draft exempts defective and wrongly shipped items for exactly that reason.
Can I refuse refunds on digital products entirely?
You can be stricter with digital goods because they cannot be returned, but 'all sales final' does not override consumer-protection law: materially defective or misrepresented products usually still qualify for a remedy. Describe what does qualify — that honesty reduces chargebacks more than a blanket refusal.
Does state law really override what my policy says?
Where they conflict, yes. Consumer-protection statutes in all 50 states add non-waivable rights — defective-goods remedies, unfair-practice rules, cooling-off periods in some cases — and a posted policy cannot sign those away. The state-law note in the draft exists so customers (and you) remember that.

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