Refund or cancellation policy exists and accessible before purchase

The EU Consumer Rights Directive (EU-CRD-2011/83/EU) requires that refund and cancellation terms be disclosed clearly before any purchase is completed. In the US, the FTC ROSCA Act mandates that negative option offers — including subscriptions — clearly disclose cancellation terms upfront. Accepting payment without disclosing your refund and cancellation policy puts you at risk of chargebacks, payment processor disputes, and regulatory action from the FTC or EU consumer protection authorities. A payment processor who sees elevated chargeback rates due to undisclosed terms may terminate your merchant account entirely.

Add a refund policy as a standalone page at /refund-policy or as a clearly labeled section in your Terms of Service. Link to it from your pricing page and any checkout flow.

// app/pricing/page.tsx — add near pricing cards or CTA
<p className="text-xs text-muted-foreground text-center mt-4">
  All plans include a 30-day money-back guarantee.{' '}
  <a href="/refund-policy" className="underline">See refund policy.</a>
</p>

The policy must specify: the refund eligibility window, what is not refundable (renewals, consumed add-ons), how to request a refund (email address, response time), and what happens to the account after cancellation (access through end of period vs. immediate termination).