BIZREFUND guide
How to count a refund or dispute window
Refund and dispute rights often come with a clock. The clock is set by your own paperwork and where you live, not by one universal rule.
Find the rule in your own documents
Look at the store's terms, your card or bank agreement, the warranty and any order confirmation. Write down the number of days and the exact words that describe it.
Find the start date
Some windows start on the purchase date, some on delivery and some on the date of the statement that shows the charge. If the text is unclear, ask the company in writing which date they use.
Calendar days or business days
Say which it is. A 14-day window counted in calendar days ends sooner than one counted in business days. The free calculator counts both ways, but it does not know public holidays or your local rules.
Write facts only
A short letter is usually enough: what you bought, when, the amount, the order number, what went wrong and what you are asking for. Ask for a written reply by a stated date. Keep a copy.
When a letter is not the right tool
If the window has passed, or if you see a charge you did not make, call your bank or card issuer and ask what is still possible. For a serious dispute, a consumer agency or a lawyer can tell you about your rights where you live.
Common questions
Does the calculator know my country's rules?
No. It counts days from the dates and the number you enter. Check your own terms and ask your bank or card issuer how they count.
Does a letter guarantee a refund?
No. A clear letter sets out the facts and your request. The company or your bank decides. No result is promised.