Refund or cancellation policy with specific terms

The FTC's policies on negative option marketing (including the 2024 Click-to-Cancel rule) require that refund and cancellation terms be specific, not discretionary. A policy that says "refunds at our discretion" is not a policy — it is a blank check for dispute. Financial products that lack specific refund timeframes generate disproportionate chargeback rates because users who cannot find cancellation instructions dispute the charge instead. The FTC Click-to-Cancel rule further requires that cancellation be "as easy" as signup, which implies the cancellation path and its terms must be disclosed at the time of purchase.

Create a dedicated refund and cancellation policy page at app/policies/refunds/page.tsx with specific numeric timeframes for each policy element:

// app/policies/refunds/page.tsx
<article className="refund-policy">
  <h1>Refund &amp; Cancellation Policy</h1>
  <section>
    <h2>Cancellation</h2>
    <p>
      Cancel anytime from Account Settings → Billing. Cancellation takes effect
      at the end of your current billing period. No prorated refunds for unused
      days within a paid period.
    </p>
  </section>
  <section>
    <h2>Refund Window</h2>
    <p>
      Submit a refund request within 30 days of your original purchase. Requests
      after 30 days are not eligible. Approved refunds process within 5–10
      business days.
    </p>
  </section>
  <section>
    <h2>How to Request</h2>
    <p>Email billing@yourfinserv.com with your order number.</p>
  </section>
</article>

Link this page from every checkout confirmation email and from the account billing settings page.