Refund Policy Generator.
Choose what you sell, set your return window, conditions, shipping rules and processing time, and this tool drafts a clear returns and refund policy, with optional EU and UK cooling-off and consumer-law wording, that you can paste into your website.
A template, not legal advice. Consumer laws in the EU, UK, Australia, Canada and several US states set minimum rights that your policy cannot reduce; this tool includes common wording but cannot check your jurisdiction. Nothing you type leaves your browser.
Refund Policy Generator is a free online tool from Neweb (neweb.ai) for small businesses, with no sign-up. Choose what you sell, set your return window, conditions, shipping rules and processing time, and this tool drafts a clear returns and refund policy, with optional EU and UK cooling-off and consumer-law wording, that you can paste into your website.
| Cost | Free, no account, no watermark |
|---|---|
| Built for | small businesses, freelancers and sole proprietors |
| Made by | Neweb, the AI website builder and online presence manager (free plan; paid plans from $9/month billed yearly) |
Facts checked October 2026.
What you'll get.
A real example of what this tool produces. Run it above with your own inputs.
A refund policy is the page customers read before they trust you with a card number, and the page you point to when something goes wrong. For an online store it sets the return window, the condition items must be in, who pays return shipping and how long a refund takes. For a service business it covers cancellations, no-shows and rescheduling. For digital products it explains why downloads are usually final and what happens when one does not work.
This generator drafts that page for any of the three business types. You set the numbers, the return window, the processing time, any restocking or cancellation fee, and the exclusions, tick whether you offer exchanges, and switch on the legal wording that applies to your customers: the 14-day cooling-off right for distance sales to consumers in the EU and UK, and the non-excludable guarantees under the Australian Consumer Law. The result is a numbered, plain-English policy you can copy as text or HTML.
It is a template, not legal advice. Consumer laws in the EU, UK, Australia, Canada and several US states set minimum rights that your policy cannot reduce, and the generated text says so. The tool is free and runs in your browser; it comes from Neweb, the AI website builder for small businesses (free plan, paid plans from $9/month billed yearly, $19 month-to-month).
How to use the refund policy generator
Enter your business name, website and the email customers should use to start a return or cancellation.
Choose what you sell: physical products, digital products or services and bookings. The sections change to match.
Set the return or cancellation window in days, the refund processing time, who pays return shipping and any restocking or cancellation fee.
List items that cannot be returned, and tick the options: exchanges, EU/UK cooling-off wording, the Australian Consumer Law note and final-sale items.
Click Generate, read it carefully, then Copy text or Copy HTML into your refund page and link it from the footer, product pages and checkout.
Why this matters for your business
A visible policy raises conversion. Shoppers look for the returns page before buying from a store they do not know. A clear 30-day policy reassures them; a missing or vague one sends them to a marketplace instead.
It is required or expected almost everywhere. EU and UK distance-selling rules require you to tell consumers about their cancellation right before they buy, and failing to do so extends that right to up to a year. Payment providers and marketplaces ask for a refund policy before approving an account. Several US states require stores to display their policy if it is anything less than a full refund.
It wins chargebacks. When a customer disputes a payment with their bank, the card network asks for the policy the customer agreed to. A dated policy linked at checkout is the single most useful piece of evidence a small merchant can provide.
Tips for better results
- Thirty days is the most common return window for physical goods and signals confidence; 14 days is the legal minimum for EU and UK distance sales and feels mean on a product page.
- Say who pays return shipping in plain words. "Customer pays unless faulty" is fair and widely accepted; hiding the cost in a restocking fee is not.
- List exclusions specifically: personalised items, pierced jewellery, sealed cosmetics, perishable food, gift cards. Vague exclusions are unenforceable against consumers in many countries.
- For services, state the cancellation deadline as a number of days or hours before the appointment and what a no-show costs; put the same line in the booking confirmation.
- Pair the policy with your terms of service, which refer to it, and with the receipt generator so every refund is documented.
- Refund to the original payment method within the time you promise; late refunds are the most common complaint to consumer regulators about small online stores.
Example
A real-world walkthrough
Fernhill Ceramics sells handmade tableware from a studio in Cornwall to customers across the UK and Europe, and offers personalised name mugs. The owner picks physical products, a 30-day window, 10 days processing, customer pays return postage unless faulty, no restocking fee, exchanges on, and excludes personalised items. She leaves the EU/UK cooling-off wording on because she ships to Ireland and France.
The policy runs to nine sections, including a cooling-off paragraph that explains the 14-day right, the obligation to return goods within 14 days and the exclusion for personalised items. She pastes it into the store's returns page, links it under every "Add to basket" button and attaches the PDF to her Stripe account's business profile. When a customer in Dublin later asks to return an unopened set on day 12, both sides already know the answer.
Frequently asked questions
Am I legally required to offer refunds?
For faulty, damaged or misdescribed goods, yes in almost every country; consumer law gives buyers a remedy regardless of your policy. For change of mind, it depends. In the EU and UK, consumers who buy online have a 14-day cooling-off right for most goods and services. Australia does not require change-of-mind refunds but does impose consumer guarantees. The United States has no federal rule, but many states require you to display your policy if you do not offer full refunds. The generator includes the common minimums; confirm your jurisdiction with an adviser.
What is the EU and UK 14-day cooling-off period?
Under the EU Consumer Rights Directive and the UK Consumer Contracts Regulations 2013, a consumer who buys at a distance (online, by phone or by post) can cancel most contracts within 14 days without giving a reason. For goods the period runs from delivery and the consumer must send the goods back within 14 days of cancelling, usually at their own cost if told so in advance. The seller must refund within 14 days of receiving the goods or proof of return, including standard delivery. Exceptions include personalised items, perishable goods, sealed hygiene items once unsealed and digital content once downloading has begun with consent.
Can I charge a restocking fee?
For change-of-mind returns, a modest restocking fee is lawful in many places, including most US states and for business customers generally, provided it is disclosed clearly before purchase. You cannot charge it for faulty or misdescribed goods, and you cannot charge it to EU or UK consumers exercising the 14-day cooling-off right, although you can deduct for diminished value caused by handling beyond what a shop would allow. Enter a percentage in the generator and the fee appears in the return-shipping section with that limitation.
How should a refund policy for digital products work?
Because downloads cannot be returned, most sellers do not refund change of mind once the file has been accessed, and the EU and UK allow the cooling-off right to be waived if the customer explicitly agrees to immediate delivery and acknowledges losing the right. Your policy should state that, promise a repair, replacement or refund if the product is faulty or inaccessible, and give a time limit for reporting problems. Select "Digital products" in the generator and the relevant wording is produced.
What about cancellations for services and bookings?
Set a clear deadline before the appointment or start date for a full refund, say what late cancellations and no-shows cost, and promise an alternative date or a full refund if you cancel. For EU and UK consumers who book online, the 14-day cooling-off right also applies unless they asked you to start within that period, in which case they may owe a proportionate amount for work done. Choosing "Services, bookings or courses" in the generator produces this structure with your numbers.
Where should the refund policy appear on my site?
On its own page linked from the footer, from product or booking pages near the price or the buy button, and at checkout alongside the terms of service, with a sentence like "By ordering you agree to our Terms and Refund Policy". Email a link in the order confirmation as well; for EU and UK sales this also satisfies the requirement to provide the cancellation information on a durable medium. Keep a dated PDF of every version.
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