Why do digital products need a different refund policy than physical goods?

Because delivery is irreversible. A returned t-shirt restocks; a downloaded file does not. EU law solves this with Article 16(m) of the Consumer Rights Directive: the 14-day withdrawal right ends when the download starts, but only if the buyer expressly requested immediate delivery and acknowledged losing the right — both before payment. A policy that skips that consent mechanism leaves the withdrawal right open for the full 14 days, downloads included.

What is the EU "Withdraw from contract" button requirement?

EU Directive 2023/2673 requires online sellers to show consumers a standardized, clearly labeled withdrawal button while the 14-day window is open, effective 19 June 2026. Clicking it must start the withdrawal with no extra hurdles. The generated policy includes a section describing the button when you select EU customers.

Is the dual-consent checkbox mechanism legally required, or best practice?

For EU sales it is the legal mechanism: Art 16(m) requires prior express consent to immediate delivery plus acknowledgment of losing the withdrawal right, and Art 7(3) puts the burden of proof on the seller — which is why you should log both confirmations with timestamps. Outside the EU it is best practice that prevents most refund disputes before they start.

Should I offer refunds beyond what the law requires?

Usually yes, within limits. A voluntary 14- or 30-day satisfaction window converts hesitant buyers and generates honest product feedback, and digital-goods abuse rates are lower than sellers fear. The generated policy pairs the window with an anti-abuse sentence — repeated refunds across orders may be declined — which is the clause that keeps goodwill sustainable.

Can I really use this generated policy as-is?

Treat it as a strong first draft, not a final document. It encodes the EU, UK, and Türkiye mechanics correctly as of June 2026, but it cannot know your edge cases: B2B sales, subscriptions, marketplaces acting as merchant of record, or US state-specific rules. Generate, adapt the placeholders, then pay a lawyer for an hour to review — that order saves the most money.

Does this tool store what I type?

No. The generator runs entirely in your browser — business name, email, and selections never leave your device, and there is no account, tracking pixel, or email gate attached to the output. Refresh the page and everything resets.

// free tool · runs in your browser · nothing stored

Refund Policy Generator for Digital Products

Generic policy generators write for t-shirt shops. Digital products live under different rules — the EU withdrawal right that ends at download, the dual-consent checkboxes that make it stick, and from 19 June 2026, a mandatory withdrawal button. I built this logic for our own checkout first; this wizard hands you the policy text version of it.

Quick answer

A compliant digital-products refund policy needs four parts: a 14-day pre-download cancellation right, EU CRD Art 16(m) dual-consent language ending withdrawal at download, a 30-day defective-file remedy, and — for EU sales from 19 June 2026 — the standardized "Withdraw from contract" button required by Directive 2023/2673.

⚠ Template, not legal advice. This generator encodes the mechanics correctly, but only a lawyer who knows your business can sign off on the result.

Business / shop name

Website

Support email

Where is the business based?

Who do you sell to?

EU consumers — adds CRD Art 16(m) consent + the 2026 withdrawal buttonUK consumers — adds Consumer Contracts Regulations language

Voluntary satisfaction refunds?

No — statutory rights onlyYes — 14-day satisfaction windowYes — 30-day satisfaction window

Generated policy — updates as you type

## Refund & Withdrawal Policy — Our shop

This policy covers digital products bought on our website. Digital products are delivered by download or account access, so the rules below differ from physical-goods returns in one place: what happens once delivery has started. Everything else is deliberately plain.

### Before you download: full cancellation rights

You can cancel any purchase within 14 days of payment for a full refund, no reason needed, as long as you have not started downloading or accessing the product. This is your statutory cooling-off right under the EU Consumer Rights Directive (2011/83/EU) and under the UK Consumer Contracts Regulations 2013, and we honor it for every customer worldwide, not only where the law requires it.

### After download starts: the right of withdrawal ends

At checkout we ask for two separate confirmations before the buy button activates: (1) an express request that delivery begins immediately, and (2) an acknowledgment that starting the download ends the right of withdrawal. We log both confirmations with a timestamp. Once you begin downloading, the cooling-off cancellation above no longer applies — this is the mechanism Article 16(m) of the EU Consumer Rights Directive prescribes for digital content. Your statutory rights for defective products are not affected.

### The "Withdraw from contract" button (EU)

While your 14-day withdrawal window is open, your account and order pages show a standardized "Withdraw from contract" button, as required by EU Directive (EU) 2023/2673 from 19 June 2026. Submitting it triggers an automatic eligibility check; eligible orders are refunded to the original payment method without further steps. If an order is no longer eligible (the download started, or 14 days passed), the page says so and explains why.

### Broken, corrupted, or not-as-described files

If a file is defective, will not open, or materially differs from its product page, contact our support address within 30 days of purchase. We will replace the file or refund the purchase in full — whether or not you downloaded it, and wherever you live. Statutory warranty rights apply on top of this policy where local law grants longer periods.

### Wrong purchase or duplicate payment

Bought the wrong product or got charged twice? Tell us within 14 days and we refund in full, download or not. We would rather lose a sale than argue with someone who made an honest mistake.

### Our 14-day satisfaction window

Beyond the statutory rules above, we voluntarily offer a 14-day satisfaction refund: if the product genuinely did not work for your use case, write to our support address within 14 days and explain what went wrong. We refund in good faith and use the feedback to fix the product page. Repeated refund requests across multiple orders may be declined — the window exists for honest misjudgments, not free rentals.

### How to request a refund

1. Email our support address from the address you bought with, or use the self-serve options on your account page.
2. Include the order number and, if relevant, what went wrong.
3. We reply within 2 business days and process approved refunds within 14 days to the original payment method.

### Region-specific notes

- **EU / EEA:** Disputes can also be raised through the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr/.
- **United Kingdom:** This policy is written to satisfy the Consumer Contracts Regulations 2013 and the Consumer Rights Act 2015.
- **Everywhere else:** Where your local consumer law grants stronger rights than this policy, those rights prevail.

### Governing law

This policy is governed by the laws of the United States, without limiting any mandatory consumer protections of the country where you live.

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*This document was generated with the free policy generator at toolgenx.com. It is a template, not legal advice — have a qualified lawyer review it for your business and jurisdictions before publishing.*

Template, not legal advice. Have a lawyer review before publishing — especially if you sell B2B, run subscriptions, or operate outside the listed jurisdictions.

// the 2026 deadline

What changes on 19 June 2026, and who it catches

Directive (EU) 2023/2673 adds a deceptively small requirement to EU consumer law: while a buyer's 14-day withdrawal window is open, your site must show a standardized "Withdraw from contract" button that actually works — prefilled order context, no login maze, no "call us to cancel". It applies to anyone selling to EU consumers, regardless of where the seller sits. Most indie digital shops have never heard of it, because the compliance content industry writes for SaaS subscriptions, not $19 template packs.

The interaction with digital products is the interesting part: thanks to Art 16(m), the window the button must stay visible for is usually short — it closes the moment the buyer starts downloading, if your checkout captured both consents properly. Which means the button mandate is really a test of whether your consent flow was right all along. We shipped ours into this site's checkout and published the full policy it implements — the generator above produces the same structure with your details in it.

One honest caveat: a policy document does not make you compliant by itself. The checkboxes have to exist in the actual checkout, the confirmations have to be logged with timestamps (Art 7(3) puts the burden of proof on you), and the button has to be wired to a real refund flow. The text is the easy 20% — but it is the 20% that tells buyers, and regulators, that the other 80% exists.

// common questions

Digital product refund policies — common questions

Why do digital products need a different refund policy than physical goods?: Because delivery is irreversible. A returned t-shirt restocks; a downloaded file does not. EU law solves this with Article 16(m) of the Consumer Rights Directive: the 14-day withdrawal right ends when the download starts, but only if the buyer expressly requested immediate delivery and acknowledged losing the right — both before payment. A policy that skips that consent mechanism leaves the withdrawal right open for the full 14 days, downloads included.
What is the EU "Withdraw from contract" button requirement?: EU Directive 2023/2673 requires online sellers to show consumers a standardized, clearly labeled withdrawal button while the 14-day window is open, effective 19 June 2026. Clicking it must start the withdrawal with no extra hurdles. The generated policy includes a section describing the button when you select EU customers.
Is the dual-consent checkbox mechanism legally required, or best practice?: For EU sales it is the legal mechanism: Art 16(m) requires prior express consent to immediate delivery plus acknowledgment of losing the withdrawal right, and Art 7(3) puts the burden of proof on the seller — which is why you should log both confirmations with timestamps. Outside the EU it is best practice that prevents most refund disputes before they start.
Should I offer refunds beyond what the law requires?: Usually yes, within limits. A voluntary 14- or 30-day satisfaction window converts hesitant buyers and generates honest product feedback, and digital-goods abuse rates are lower than sellers fear. The generated policy pairs the window with an anti-abuse sentence — repeated refunds across orders may be declined — which is the clause that keeps goodwill sustainable.
Can I really use this generated policy as-is?: Treat it as a strong first draft, not a final document. It encodes the EU, UK, and Türkiye mechanics correctly as of June 2026, but it cannot know your edge cases: B2B sales, subscriptions, marketplaces acting as merchant of record, or US state-specific rules. Generate, adapt the placeholders, then pay a lawyer for an hour to review — that order saves the most money.
Does this tool store what I type?: No. The generator runs entirely in your browser — business name, email, and selections never leave your device, and there is no account, tracking pixel, or email gate attached to the output. Refresh the page and everything resets.

// policy done, store next

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Policy wizard

What changes on 19 June 2026, and who it catches

Digital product refund policies — common questions