Write a Refund Decision Tree

Write a refund decision tree from the following inputs:

Product type: [SAAS / PHYSICAL / DIGITAL / SERVICE]
Refund policy summary: [POLICY POINTS]
Exceptions: [EXCEPTIONS OR NONE]
Evidence agents can request: [ORDER ID, SCREENSHOTS, ETC.]
Escalation owners: [ROLES]
Tone for customer-facing language: [EMPATHETIC / DIRECT]
Regions or legal notes: [NOTES OR NONE]

Requirements:
1. Build a clear yes/no decision tree agents can follow in under 2 minutes.
2. Separate policy outcomes from soft goodwill options. Label them clearly.
3. Include exact phrases agents can use for approve, deny, and escalate. No invented promises.
4. Call out fraud or abuse signals as review gates, not accusations.
5. Keep the tree printable or pasteable into a help center internal doc.

Deliverables:
1. Decision tree in numbered steps with branches.
2. Customer-facing macro snippets for approve, deny, and escalate.
3. Internal notes: evidence checklist and when to loop in finance or legal.