Free tool · Refunds Refund policy generator for goods, digital products and subscriptions
A refund policy answers the questions customers ask before they buy: how long they have, what condition items must be in, who pays postage and how fast the money comes back. Choose what you sell and your rules; the generator adds the statutory parts you cannot opt out of, such as the EU’s 14-day withdrawal right or China’s seven-day no-reason returns.
- Built from your answers
- Template, not legal advice
- Generated in your browser
Set your rules, get the policy
The sections change with what you sell: returns and shipping for goods, download rules for digital products, cancellation for subscriptions.
About you
English adds the EU / UK withdrawal right if ticked; Chinese follows the Consumer Rights Protection Law. Not translations of each other.
YYYY-MM-DD. Leave empty for today.
The legal name of the business responsible for the data.
Where people send access or deletion requests.
Name and contact, if you have appointed one.
For example Stripe, PayPal or Shopify Payments.
For example Mailchimp or Brevo.
Check Compliance centre in your TapCub site settings.
Use the region shown in your project. TapCub’s own privacy policy states that data is currently stored in the United States.
Depends on your plan: Free 6, Pro 12, VIP 24 months or more.
One rule per line. Be specific: “deleted 30 days after the account is closed” beats “as long as necessary”.
A number. Check the age rules that apply to your audience.
For example “the laws of England and Wales” or “the laws of the State of Delaware”.
For example “the courts of England and Wales”.
Your refund rules
For services: how many days before the start a booking can be cancelled.
One per line, for example gift cards or personalised items.
Checklist
What the draft covers and what to check before publishing.
- CoveredIncludes the 14-day withdrawal right, refund within 14 days with the same payment method, and the right to hold the refund until goods come back (Directive 2011/83/EU Art. 9 and 13).
Preview
Refund Policy
Northwind · Last updated: 2026-11-11
This policy explains how returns and refunds work for purchases from Northwind Trading Ltd on Northwind (https://northwind.example). It does not affect your statutory rights, including the right of withdrawal described in section 7.
1. Returns
You can return most items within 30 days of delivery for a refund. Items must be unused, in their original condition and packaging, with any tags attached.
These items cannot be returned unless they are faulty:
- Gift cards
- Personalised items
2. How to start a return
Email privacy@northwind.example with your order number and the items you want to return. We will reply with the return address and instructions. Please do not send items back without contacting us first.
3. Return shipping
You pay the cost of sending items back, unless the item is faulty or we sent the wrong item. We recommend a tracked service.
4. Exchanges
If you need a different size or colour, tell us when you start your return and we will send the replacement once we receive the original, subject to stock.
5. Faulty or wrong items
If something arrives damaged, faulty or not as described, contact us within a reasonable time with your order number and a photo if possible. We will repair, replace or refund it, including any shipping costs you paid. This does not depend on the return period above.
6. Refunds
Once we have received and checked your return, we will email you and refund you within 14 days to your original payment method. Your bank or card issuer may take a few more days to show the refund. We may hold the refund until we have received the goods back or you have shown us proof that you sent them.
7. Right of withdrawal (EU and UK consumers)
If you are a consumer in the European Union or the UK, you can withdraw from your purchase within 14 days of the day you (or someone you name, other than the carrier) receive the goods, without giving a reason.
To withdraw, send us a clear statement, for example by email to privacy@northwind.example, before the period ends. We will refund all payments received from you, including the standard delivery cost, within 14 days of receiving your statement, using the same payment method you used, unless you agree otherwise; you will not pay any fees for the refund. We may withhold the refund until we receive the goods back or you provide proof of sending them, whichever is earlier. You must send the goods back within 14 days and, unless we said otherwise above, you pay the direct cost of returning them.
8. Contact
Northwind Trading Ltd. Email: privacy@northwind.example.
<!-- Draft generated from the TapCub template (tapcub.com/tools). Not legal advice: have it reviewed by a qualified lawyer before you publish. -->
# Refund Policy
**Northwind** · Last updated: 2026-11-11
This policy explains how returns and refunds work for purchases from Northwind Trading Ltd on Northwind (https://northwind.example). It does not affect your statutory rights, including the right of withdrawal described in section 7.
## 1. Returns
You can return most items within **30 days** of delivery for a refund. Items must be unused, in their original condition and packaging, with any tags attached.
These items cannot be returned unless they are faulty:
- Gift cards
- Personalised items
## 2. How to start a return
Email [privacy@northwind.example](mailto:privacy@northwind.example) with your order number and the items you want to return. We will reply with the return address and instructions. Please do not send items back without contacting us first.
## 3. Return shipping
You pay the cost of sending items back, unless the item is faulty or we sent the wrong item. We recommend a tracked service.
## 4. Exchanges
If you need a different size or colour, tell us when you start your return and we will send the replacement once we receive the original, subject to stock.
## 5. Faulty or wrong items
If something arrives damaged, faulty or not as described, contact us within a reasonable time with your order number and a photo if possible. We will repair, replace or refund it, including any shipping costs you paid. This does not depend on the return period above.
## 6. Refunds
Once we have received and checked your return, we will email you and refund you within **14 days** to your original payment method. Your bank or card issuer may take a few more days to show the refund. We may hold the refund until we have received the goods back or you have shown us proof that you sent them.
## 7. Right of withdrawal (EU and UK consumers)
If you are a consumer in the European Union or the UK, you can withdraw from your purchase within **14 days** of the day you (or someone you name, other than the carrier) receive the goods, without giving a reason.
To withdraw, send us a clear statement, for example by email to [privacy@northwind.example](mailto:privacy@northwind.example), before the period ends. We will refund all payments received from you, including the standard delivery cost, within 14 days of receiving your statement, using the same payment method you used, unless you agree otherwise; you will not pay any fees for the refund. We may withhold the refund until we receive the goods back or you provide proof of sending them, whichever is earlier. You must send the goods back within 14 days and, unless we said otherwise above, you pay the direct cost of returning them.
## 8. Contact
Northwind Trading Ltd. Email: [privacy@northwind.example](mailto:privacy@northwind.example).
For static sites, GitHub, Notion or any editor that accepts Markdown.
<article lang="en" class="policy">
<!-- Draft generated from the TapCub template (tapcub.com/tools). Not legal advice: have it reviewed by a qualified lawyer before you publish. -->
<h1>Refund Policy</h1>
<p><strong>Northwind</strong> · Last updated: 2026-11-11</p>
<p>This policy explains how returns and refunds work for purchases from Northwind Trading Ltd on Northwind (https://northwind.example). It does not affect your statutory rights, including the right of withdrawal described in section 7.</p>
<h2>1. Returns</h2>
<p>You can return most items within <strong>30 days</strong> of delivery for a refund. Items must be unused, in their original condition and packaging, with any tags attached.</p>
<p>These items cannot be returned unless they are faulty:</p>
<ul><li>Gift cards</li><li>Personalised items</li></ul>
<h2>2. How to start a return</h2>
<p>Email <a href="mailto:privacy@northwind.example">privacy@northwind.example</a> with your order number and the items you want to return. We will reply with the return address and instructions. Please do not send items back without contacting us first.</p>
<h2>3. Return shipping</h2>
<p>You pay the cost of sending items back, unless the item is faulty or we sent the wrong item. We recommend a tracked service.</p>
<h2>4. Exchanges</h2>
<p>If you need a different size or colour, tell us when you start your return and we will send the replacement once we receive the original, subject to stock.</p>
<h2>5. Faulty or wrong items</h2>
<p>If something arrives damaged, faulty or not as described, contact us within a reasonable time with your order number and a photo if possible. We will repair, replace or refund it, including any shipping costs you paid. This does not depend on the return period above.</p>
<h2>6. Refunds</h2>
<p>Once we have received and checked your return, we will email you and refund you within <strong>14 days</strong> to your original payment method. Your bank or card issuer may take a few more days to show the refund. We may hold the refund until we have received the goods back or you have shown us proof that you sent them.</p>
<h2>7. Right of withdrawal (EU and UK consumers)</h2>
<p>If you are a consumer in the European Union or the UK, you can withdraw from your purchase within <strong>14 days</strong> of the day you (or someone you name, other than the carrier) receive the goods, without giving a reason.</p>
<p>To withdraw, send us a clear statement, for example by email to <a href="mailto:privacy@northwind.example">privacy@northwind.example</a>, before the period ends. We will refund all payments received from you, including the standard delivery cost, within 14 days of receiving your statement, using the same payment method you used, unless you agree otherwise; you will not pay any fees for the refund. We may withhold the refund until we receive the goods back or you provide proof of sending them, whichever is earlier. You must send the goods back within 14 days and, unless we said otherwise above, you pay the direct cost of returning them.</p>
<h2>8. Contact</h2>
<p>Northwind Trading Ltd. Email: <a href="mailto:privacy@northwind.example">privacy@northwind.example</a>.</p>
</article>
An HTML fragment to paste into your CMS or page template.
Version v1.0Updated Update history
Your rules and the statutory ones
The draft separates what you choose to offer from what the law gives the customer anyway.
Your return window
Any number of days you like, as a commercial promise. Longer windows tend to reassure buyers but also mean more returns.
EU and UK withdrawal
For distance sales, consumers get 14 days to withdraw without a reason, a refund within 14 days of telling you, by the same payment method. The draft adds this as its own section.
China seven-day returns
Goods bought online can be returned within seven days of receipt without a reason, with listed exceptions; the refund is due within seven days of you receiving the goods.
Faulty items
Separate from any window: a faulty or wrong item is repaired, replaced or refunded, with shipping paid by you.
Digital products and services have their own exceptions; read the section that matches what you sell.
From blank page to published policy
Plan on ten minutes here and a review afterwards.
-
1
List what you really collect
Open your site with the browser’s developer tools and note every form, script, pixel and embedded service. The browser privacy check shows what a browser exposes.
-
2
Tick the matching options
Choose the language and laws, the data you collect and the providers you use. Fill in retention rules per type of data.
-
3
Clear the checklist
Fill every placeholder and resolve each “Fix” and “Check” item, for example by adding a consent banner before you load ad pixels.
-
4
Review and publish
Have the text reviewed, publish it at a stable address such as /privacy, link it from the footer and every form that collects data, and update the date when anything changes.
What consumer law fixes for you
Checked against the official texts. Other countries have their own rules; check them before you sell there.
- EU Directive 2011/83/EU Art. 9: 14 days to withdraw, counted from receipt of goods, or from the contract for services and digital content not on a tangible medium
- Art. 13: refund within 14 days of the withdrawal, same means of payment; the trader may wait until the goods are back or proof of sending is shown
- Art. 16(a) and (m): no withdrawal once a service is fully performed, or digital content has started, with the consumer’s prior express consent and acknowledgement
- China Consumer Rights Protection Law Art. 25: seven-day no-reason returns for goods bought online, with exceptions; refund within seven days; return postage paid by the buyer unless agreed otherwise. Art. 24 covers faulty goods
| EU / UK (2011/83/EU) | China (Art. 25) | |
|---|---|---|
| Period | 14 days | 7 days |
| Starts | Receipt of goods; contract date for services and digital content | Receipt of goods |
| Refund deadline | 14 days from the withdrawal notice | 7 days from receiving the goods |
| Return postage | Buyer, if told in advance | Buyer, unless agreed otherwise |
| Main exceptions | Personalised or perishable goods, sealed hygiene items once opened, started digital content, fully performed services | Custom-made, fresh and perishable, downloaded or unsealed digital goods, delivered newspapers and magazines |
A 30-day policy for an online store
Northwind sells clothing to the UK and EU, offers 30-day returns on unused items and lets customers pay return postage.
| Question | Answer in the draft |
|---|---|
| How long do I have? | 30 days from delivery; EU and UK consumers also have the 14-day statutory withdrawal right |
| What condition? | Unused, original condition and packaging, tags attached |
| What can’t I return? | Gift cards and personalised items, unless faulty |
| Who pays postage? | The customer, unless the item is faulty or wrong |
| When do I get my money? | Within 14 days of the return being received, to the original payment method |
The longer commercial window and the statutory one run side by side; the customer gets whichever is better for them.
Privacy policies that backfire
Regulators and app stores compare the policy with what the site does.
Copying another site’s policy
Their tools, data and providers are not yours. A copied policy usually lists things you do not do and misses the pixel you do run.
“As long as necessary”
Retention needs a period or the criteria that set it. Write one rule per type of data, such as “30 days after the account is closed”.
Policy says consent, site does not ask
Saying “we load ads only after you agree” while the pixel fires on page load is worse than saying nothing. Fix the banner first.
Never updating it
Add a new tool, update the policy and the date. California expects the policy to be updated at least once every 12 months.
Less to disclose, and the disclosure written for you
TapCub is designed so your privacy policy has less to explain, and it tells you exactly what to write.
No analytics cookies by default
Visits are told apart by a keyed hash on the server; the browser stores nothing and the raw IP is never stored.
Learn moreCompliance centre
Respects GPC, keeps consent records, and looks up, exports or deletes one person’s data. It also writes a privacy-policy paragraph from your current settings.
Learn moreRetention you can state
Analytics data is cleared automatically at the end of the plan’s retention period: 6, 12 or 24 months and more.
Learn morePrivacy policy questions
Still have a question?
Chat with the team behind TapCub — we usually reply within a few hours on business days.
Am I required to offer refunds?
In the EU and UK, consumers buying at a distance have a 14-day right of withdrawal by law. In China, most goods bought online come with seven-day no-reason returns. In the US there is no general federal right to a refund, so your own policy sets the rules. Faulty goods are covered almost everywhere.
Can I have a “no refunds” policy for digital products?
In the EU only if, before delivery, the buyer expressly agrees to immediate delivery and acknowledges losing the withdrawal right (Directive 2011/83/EU Art. 16(m)). In China, downloaded digital goods are an exception to seven-day returns. Faulty products still have to be put right.
How fast must I refund?
Within 14 days of a withdrawal in the EU, and within seven days of receiving returned goods for China’s no-reason returns. Elsewhere, state a period and keep to it.
Where should I show the refund policy?
On its own page linked from the footer, product pages and checkout, and in order confirmation emails. Customers should be able to read it before they pay.
Update history
New features, fixes and data refreshes for this tool, newest first.
-
· v1.0
LaunchedFirst release.
Data this tool relies on
- GDPR, CCPA/CPRA and PIPL requirements — checked 2026-11-10, reviewed every 6 months (next review by 2027-05-10)
Missing something or found an error? Tell us — requests that come up often go into the next update. All tool updates
Measure your site without adding to the privacy policy
TapCub analytics sets no cookies by default and does not store raw IP addresses, so the analytics paragraph stays short.