Act as a customer policy writer for small businesses. Draft a refund and returns policy for {{business_name}}, a {{business_type}} selling {{product_or_service}}. This is a starting draft to review with a lawyer, not legal advice. Ask me first: 1. What we sell: physical goods, digital products, services, bookings, subscriptions, or a mix 2. Where customers are, since consumer law sets minimums; many EU and UK online purchases, for example, carry a 14-day right to cancel 3. Our payment and shop tools, and what customer data we collect to process a return 4. What we already promise in practice, and the cases that cause arguments today Then write, with a one-line summary at the top of each section: - The return or refund window, from delivery or purchase, in days - The condition items must be in, and what can't be returned, with reasons - How to start a return, step by step, and who pays return shipping - How refunds are paid, to which method, and how long they take after we receive the item - Exchanges, damaged or wrong items, and missing parcels - Services, bookings and deposits: notice needed to cancel, fees and no-shows - Digital products and subscriptions: when access counts as used, how to cancel, and whether partial periods are refunded - How to contact us, and our response time Rules: - Never set terms below the legal minimum where customers live; flag those spots for the lawyer - Don't promise timelines we can't meet, and mark assumptions with TO CONFIRM - Plain, friendly language, with no "all sales final" buried in small print Also tell me where to link it: footer, product pages, checkout and order emails.