Free AI Refund & Return Policy Generator

Free refund and return policy, no signup

A free AI refund and return policy generator turns a short description of your store, SaaS, or service into a clean, ready-to-use refund policy in minutes, without creating an account. You tell Marco what your business sells and how refunds should work, and he drafts a complete document with the standard sections: what qualifies for a refund or return, the time window to request, how to start the process, items that are not refundable, any restocking fees, how refunds are issued, and contact details, with EU or UK right of withdrawal notes whenever you need them. He writes in plain language you can actually read, fills in clear [brackets] for anything he does not know, and adjusts clauses, adds a no-refund digital goods section, switches to store credit only, or adapts for SaaS subscriptions on request. He is honest about the limit: this is a solid starting template, not legal advice, and a qualified lawyer should review it before you publish, because consumer protection rules vary by country and by what you sell. There is no signup and no credit card to start, and when a one-off policy is not enough, the same assistant can become a full AI employee that helps keep your refund terms current as your business changes.

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How it works

1. Describe your store or service: What you sell, whether it is physical goods, digital products, or a SaaS subscription, and your contact email. A line or two is enough.
2. Get a ready-to-paste policy: A clean refund and return policy with the standard sections, plus EU right of withdrawal or no-refund clauses on request.
3. Adjust, then have it reviewed: Ask for store credit only, a restocking fee, SaaS cancellation terms, or digital goods exclusions. Then fill the brackets and have a lawyer review it before you publish.

Why your store needs a refund and return policy

Required consumer protection laws in the EU, UK, and many US states require a clearly posted refund and return policy if you sell to consumers online

14 days the EU and UK right of withdrawal gives most consumers 14 days to return goods without giving a reason, and you must refund within 14 days of receiving the return

$0 to draft as many refund and return policies as you want, with no signup and no credit card

Minutes from a one-line description of your store or SaaS to a clean, ready-to-paste refund policy

How the ways to get a refund policy compare

A refund policy you can actually read and use

Most refund and return policies are either copied off another site and a poor fit, or written in dense legalese that puts customers off before they finish reading. This is built to do the opposite: a complete policy in plain language, with clear headings and the standard sections, that you can paste onto your site and understand.

You describe your business in a line, and the draft comes back covering what qualifies for a refund or return, the time window, how to start the process, non-refundable items, any restocking fees, and how the refund is issued. Anything Marco does not know shows up as a clear bracket to fill in, so you start from a working document, not a blank page.

Built around the sections a refund policy needs

A usable refund and return policy covers a known set of things: what qualifies (item condition, reason, proof of purchase); the window to request (14, 30, or 60 days from delivery or purchase); how the customer starts the process (email, form, return authorization number); items or categories that are excluded (digital downloads, personalized goods, perishables, opened software, final-sale items); any restocking fee as a percentage; how the refund is issued (original payment method, store credit, exchange, or a mix); and how to contact you. Miss one and it reads incomplete.

The generator is tuned for exactly that set, and it adapts to your business. Tell it you sell digital goods and it adds a no-refund clause for downloaded content. Tell it you sell subscriptions and it drafts a SaaS cancellation and pro-rata refund section. Tell it you sell to EU customers and it adds the 14-day right of withdrawal.

Honest about what it is, and what it is not

Plenty of generators hand you a confident document and let you believe you are fully covered. This one is upfront: every first draft ends with a plain note that it is a solid starting template, not legal advice, and that a qualified lawyer should review it before you publish.

That honesty is the point. Consumer protection requirements vary by country, by industry, and by exactly what you sell and how you sell it, so no free tool can promise your refund policy is compliant on its own. What it can do is give you a strong, well-structured starting point and explain each part, so the lawyer review is faster and cheaper.

How it compares to other refund policy generators

Plenty of refund policy generators are quick, but they either lock the useful parts behind a subscription or spit out a fixed template you cannot question. You paste it and hope it fits, with no way to ask what a clause means or adjust it for your business.

This one gives you a complete draft for free, in plain language, and it talks back. Ask it to add an EU right of withdrawal section, switch from a physical goods return policy to a SaaS refund policy, offer store credit instead of cash, or add a no-refund clause for digital goods, and it does. No signup to start, and unlike a one-off tool, it does not stop at the document. The same assistant can carry on as a real AI employee once you are ready.

From a policy to keeping all your refund terms handled

A refund and return policy is not a set-and-forget file. The moment you start selling digital goods, launch a subscription plan, change your return window, or open up to EU customers, the policy needs to keep up, and that is the part most founders quietly let go stale.

Here the assistant who drafted it can stay on. Once you sign up, the same person becomes part of a team of AI employees in your workspace, helping keep your refund policy and related legal docs current as the business changes, adding new product categories, updating windows and clauses, and flagging when something needs a fresh lawyer review, so your refund terms stay handled instead of frozen on day one.

The short version

• A free AI refund and return policy generator turns a one-line description of your store or SaaS into a clean, ready-to-paste policy in minutes, with no account and no card to start.
• A complete policy covers what qualifies for a refund or return, the time window, how to request, non-refundable items, restocking fees, how refunds are issued, and EU or UK right of withdrawal on request.
• This is a solid starting template, not legal advice. Consumer protection requirements vary by country and by what you sell, so have a qualified lawyer review it before you publish.
• When a policy is not enough and you need your refund terms kept current as the business changes, the same assistant can become a full AI employee that helps maintain them.

What it does

• A complete, ready-to-paste refund and return policy from a one-line description, in minutes
• Standard sections covered: what qualifies, the time window, how to request, non-refundable items, restocking fees, how refunds are issued
• EU and UK right of withdrawal language for consumer-facing stores, added on request
• No-refund clauses for digital downloads, personalized goods, and final-sale items
• Store credit only or exchange options when you do not issue cash refunds
• SaaS subscription and cancellation refund terms for monthly and annual plans
• Works for a Shopify store, digital product shop, SaaS, service business, or marketplace, in plain readable language
• Honest by design: flags that it's a starting template, not legal advice, with no signup to start

Who it is for

• Getting a refund and return policy live before launching a Shopify or WooCommerce store
• Drafting a no-refund policy for digital downloads, courses, or software licenses
• Adding EU right of withdrawal language for a store with European customers
• Writing a SaaS cancellation and refund policy for monthly and annual subscriptions
• A founder or indie maker who needs a solid first draft before paying a lawyer to review it

Good to know

• This is a solid starting template, not legal advice. Have a qualified lawyer review and adapt it before you publish.
• Consumer protection requirements vary by country and by what you sell, so no single draft fits every business or jurisdiction.
• It drafts and explains the documents, but a free chat cannot host, publish, or certify that your refund policy is compliant. That starts when you sign up.
• The more you describe what you sell, your return window, and your jurisdiction, the more accurate the draft. It will not keep your documents forever unless you save them with your email.

Questions people ask about refund and return policies

Short, direct answers to the questions people search for most when they need a refund or return policy for a store or SaaS.

How do I write a refund policy for my online store?

State what qualifies for a refund or return (item condition, reason, proof of purchase), the time window to request (14, 30, or 60 days from delivery), how the customer starts the process, what is not refundable, any restocking fee, and how the refund is issued. Write it in plain language with clear headings. This free generator drafts all of that from a one-line description of your store, with clear brackets for anything to fill in, then you have a lawyer review it before publishing.

Is this refund policy generator free?

Yes. You can draft as many refund and return policies as you want with no signup and no credit card. Because the document comes from an AI legal assistant rather than a locked template, you can keep steering, add an EU right of withdrawal clause, switch to store credit only, add a no-refund section for digital goods, until it fits. After a number of messages it may ask for your email to save your documents and keep going.

Is a refund policy legally required?

In many countries yes, especially if you sell to consumers online. Consumer protection laws in the EU, UK, and several US states require you to post a clear refund or return policy before a customer completes a purchase. The EU and UK also give most consumers a statutory 14-day right of withdrawal. The exact obligations depend on where your customers are and what you sell, so confirm your specific requirements with a qualified lawyer.

Is this legal advice, and is the policy compliant?

No, this is not legal advice, and a generated policy is not automatically compliant. It is a solid, well-structured starting template that covers the standard sections, but compliance depends on your exact business, your country, your industry, and what you sell. Always have a qualified lawyer review and adapt the document before you publish it, and never treat any free generator's output as guaranteed compliant on its own.

What is the EU right of withdrawal?

The EU and UK right of withdrawal is a statutory consumer right that lets most consumers return goods within 14 calendar days of delivery without giving a reason. You must refund the full purchase price, including standard delivery costs, within 14 days of receiving the returned goods. The right does not apply to digital content once downloading or streaming starts (if the buyer consented), personalized or made-to-order goods, perishables, and sealed hygiene goods that have been opened. Ask and the generator adds a clear right of withdrawal section to your policy.

Can I have a no-refund policy for digital products?

Generally yes, once the customer has downloaded or accessed the digital content, most sellers treat it as non-refundable because it cannot be returned. The generator drafts a clear no-refund clause for digital downloads, license keys, and courses. For EU and UK customers, you need to note that the right of withdrawal does not apply once download or streaming starts with the customer's explicit consent. Have a lawyer confirm this wording fits your specific products and jurisdictions.

Can it write a SaaS refund and cancellation policy?

Yes. Ask and it drafts a SaaS-specific section covering whether monthly and annual subscriptions are refundable, the refund window (often 14 or 30 days), what triggers a refund (billing error, unused period), how pro-rata works if applicable, and how cancellation stops future billing. A common and readable pattern: full refund within 14 days, no refund after, cancel anytime to stop being charged going forward.

Should I charge a restocking fee?

Restocking fees (typically 10 to 20 percent) are common for physical goods that require repackaging or cannot be resold as new, but they are restricted or banned in some jurisdictions for consumer returns, including EU right of withdrawal returns. The generator can add a restocking fee clause if you choose to charge one. Have a lawyer confirm whether a restocking fee is permitted in the countries your customers are in before you apply it.

Can I offer store credit instead of a cash refund?

In many cases yes for discretionary returns, but consumers who exercise a statutory right like the EU right of withdrawal are entitled to a cash refund, not just store credit. The generator can draft a store-credit-only clause for your standard return window alongside a separate section covering statutory rights where they apply. Have a lawyer confirm this works for your jurisdiction and customer base.

Should I copy a refund policy from another website?

It is risky. Another store's policy describes their product, their return window, their jurisdiction, and their business rules, not yours, so copying it can leave you claiming things that are not true or missing clauses you legally need. A far safer start is a draft built around your own business, like this one generates, that you then fill in and have a lawyer review before you publish.

Frequently asked questions

Is it really free?

Yes. You can draft refund and return policies right now with no signup and no credit card. After a number of messages we may ask for your email to save your documents and keep going.

Do I need to sign up?

No. Just describe your store or SaaS and how refunds should work, and get a draft immediately. Email is optional and only used to save your documents and unlock more messages.

Is this legal advice?

No. Marco drafts a solid starting template and explains each part, but this is not legal advice and the document is not automatically compliant. Consumer protection requirements vary by country and by what you sell, so have a qualified lawyer review and adapt it before you publish.

Will the policy cover EU customers?

Ask and it adds the EU and UK right of withdrawal section, which gets you most of the way for consumer-facing stores in those markets. Whether the exact wording is fully compliant for your business depends on what you sell and how you sell it. Have a lawyer confirm it before relying on it.

Does it write a no-refund policy too?

Yes. Ask and it drafts a no-refund clause for digital downloads, license keys, courses, or any other category you specify. It will include the necessary consumer rights carve-outs for EU and UK customers if you serve those markets.

Can I tell it what I sell and how refunds work?

Yes. Tell it you sell physical goods, digital products, SaaS subscriptions, or a mix, and describe your current return window and process. The next draft folds those specifics into the policy by name, so it reads like it was written for your business.

Does it work for a SaaS or subscription business?

Yes. Tell it you run a SaaS or subscription product and it drafts a cancellation and refund policy covering the refund window, what triggers a refund, pro-rata rules if any, and how cancellation stops future billing. You can switch between product types anytime and it re-drafts.

What language can I use?

Any. Marco drafts your refund policy in whatever language you write in, and can tailor the document to a specific market or jurisdiction if you ask.

Can it host or publish the policy on my site?

Not in this free chat, where it drafts and explains the documents only. You paste the draft onto your own site after a lawyer review. Once you sign up, the same assistant becomes your employee and can help keep your refund terms current as your business changes.

Is my information kept private?

Yes. Your conversation is not shared with anyone, not sold, and not used to train AI models. It is handled securely. If you add your email, we use it only to save your documents so you can come back to them later.

Does it remember the documents it drafted?

Within a session it builds on what you have already seen. To keep your documents across visits, save them with your email. If you sign up to keep going, the conversation comes with you into your workspace.

What if I want my refund policy kept up to date for me?

A refund policy goes stale the moment you start selling a new product type or change your return window. When a one-off draft is not enough, you do not have to maintain it alone. You can hire a team of AI employees to help keep your refund policy current as you grow, and start for free.