Terms of Use

Last updated: 3 September 2026. By using Consumer Rights Hub you agree to these terms.

Educational only

Everything on this site is general educational information about consumer rights. It is not legal advice, it is not tailored to your individual purchase, contract or dispute, and it is never a guarantee of outcomes.

Laws vary

Consumer laws differ between countries, states and situations, and they change. The information here reflects general principles and a New Zealand perspective; always check your local law or a qualified local adviser before acting on it.

No guarantees

Calculators use plain, transparent maths and widely used rules of thumb, which vary with real life. Results are estimates to guide your next step — never guarantees of a refund, a ruling or a particular outcome.

Professionals

If a dispute involves a significant amount of money, a tight legal deadline or genuine hardship, a lawyer, community law centre or consumer protection agency is the right next step. This site is a starting point, not a substitute for professional advice.

No liability

To the maximum extent permitted by law, we accept no liability for decisions made based on this site's content.

Paid reports

The $2.95 report is a digital product delivered after payment. If it is not delivered due to a technical fault, contact us for a full refund — no questions.

Acceptable use

Do not attempt to abuse, scrape at scale, or disrupt the service. Automated agents are welcome to use the published WebMCP manifest and free endpoints responsibly.

⚖️ All consumer rights tools

Every tool answers instantly from our own knowledge and calculators — no AI wait, no account. Honest maths and plain-language guidance, always educational and never legal advice: consumer laws vary by country, state and situation, so each answer tells you what is generally true, what to check locally, and what your next step should be — never hype, never pressure. Results are estimates and next-step aids, not legal opinions, and nothing you type is stored. Want the deeper, personalised version? Each has a $2.95 full report.

🧾 Buying & Warranties

Warranty Remaining Check: How Long You Are Coveredfree$2.95 Extended Warranty Honesty Check: Is It Worth It?free$2.95 Faulty Goods Decision Tree: Repair, Replace or Refundfree$2.95 Used Car Purchase Protections: Before You Payfree$2.95 Service Contract Review: What to Read Before You Signfree$2.95 Lemon Law Basics: Repeated Faults, Real Remediesfree$2.95

💳 Refunds & Cancellations

Refund Request Timeline: Statutory vs Store Policyfree$2.95 Cooling-Off Period Checker: Can You Still Cancel?free$2.95 Price Match & Price Drop Calculator: Claim the Differencefree$2.95 Subscription Cancellation Rights: Get Out Cleanlyfree$2.95 Gift Card Expiry Rules: Do Not Lose the Balancefree$2.95 Deposit & Pre-Payment Protection: Before You Hand Over Moneyfree$2.95 Chargeback When-To Guide: Card Disputes Done Rightfree$2.95

📣 Disputes & Complaints

Complaint Escalation Path: From Store to Regulatorfree$2.95 Online Order Never Arrived: Your Next Stepsfree$2.95 Small Claims Basics: Court as a Last Resortfree$2.95 Credit Report Dispute: Fix Errors Step by Stepfree$2.95 Debt Collector Contact Rules: Your Rights When They Callfree$2.95

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Educational information only — not legal advice, and never a guarantee of outcomes. Consumer laws vary by country, state and situation (we write from a New Zealand base; your local rules may differ): the tools give plain-language estimates and next steps, not legal opinions. For a dispute that really matters, a lawyer, community law centre or consumer protection agency is the right next step. Refunds honoured.
© 2026 Consumer Rights Hub · part of the phyrenix.com network · WebMCP manifest · tools.json

Consumer answers that put the power back in your pocket.