There's no law demanding stores give refunds

Fair enough, not every purchase we make turns out to be ideal.

But just because we want to return an item does not necessarily mean the store you bought it from must give you a refund.

Stores in Bermuda set their own return policies.

There is no law that requires a store to give you your money back if you change your mind or it is the wrong colour or size.

Complaints

The responsibility lies with the consumer — before you buy anything find out what the return policy is.

If you do not like the terms and conditions set out by a business, do not purchase from them.

The office of Consumer Affairs has no shortage of complaints from people about purchases gone wrong and their attempts to get their money back, a store credit or an exchange.

We hear these stories far too often and most have one thing in common — the consumer did not ask about the return policy before they made the purchase.

If the return policy is not posted — and the law does not require businesses to do so — always ask what the return policy is before you buy.

If the sales clerk is unsure about the policy, ask to speak to a manager or someone who knows.

Keep the receipt and, if necessary, the original packaging. Some stores, especially those that sell electronics, require you to keep the packaging for a period of time.

Ask if there is a restocking fee. Some electronic businesses charge a fee to restock a returned item.

Check the item before you buy — look for damage, missing parts and poor quality.

Do some research first — you may find the same product elsewhere at a lower price and at a business with a more relaxed return policy.

Even if the store has a return policy, do not assume everything can be returned — some items, especially seasonal goods or those on sale, may not be taken back.

Receipt

If you buy an item that is returnable, make sure you know the time limit on when you can take it back.

Gift cards and gift certificates have expiry dates — find out what it is and tell the recipient.

Keep the receipt and do not forget to check the policy on lost or stolen gift cards.

Finally, beware if you are buying second hand items. This area is full of risk.

Do your homework. Get a receipt, write your own contract if you can, check everything thoroughly and do not buy impulsively.

Honey Adams is the education officer for the office of Consumer Affairs, within the Ministry of Culture and Social Rehabilitation’s Department of Human Affairs. For more consumer advice, visit www.ca.gov.bm.