Write a Refund Policy

Write a customer-friendly refund policy for [BUSINESS TYPE].

Business context:
- Type: [E-COMMERCE / SAAS / SERVICE BUSINESS / DIGITAL PRODUCTS]
- What you sell: [BRIEF DESCRIPTION]
- Current refund terms you want: [YOUR INTENDED POLICY]
- Key edge cases to address: [E.G. DIGITAL DOWNLOADS / SUBSCRIPTIONS / CUSTOM ORDERS]
- Legal jurisdiction: [COUNTRY — affects statutory rights]

Policy should cover:
1. What is eligible for a refund and what is not
2. Time limit for refund requests
3. Condition requirements (for physical products)
4. How to request a refund (process steps)
5. How refunds are processed (method and timing)
6. Exchanges vs refunds
7. Non-refundable situations clearly listed

Write two versions:
1. Full legal/policy page version (clear, comprehensive)
2. Short FAQ version (3-4 Q&As for a help centre)