From a warranty that quietly ran out to a refund the store keeps dodging, knowing your rights is what turns “that’s not fair” into action. These tools check the cover you have left, work out refund and cooling-off timelines against store policy, do the price-match maths and walk you through complaints, chargebacks, credit-report errors and disputes step by step — plain language, honest answers, and “check your local law” wherever the rules differ. The full detailed report costs less than a coffee: $2.95.

A cooling-off period is the rare consumer right that works in your favour automatically: for certain purchases — most commonly online and distance sales, doorstep sales and many services — the law gives you a short window to cancel without giving a reason and get your money back. The typical window is 14 days, but coverage is patchy by design: ordinary in-store purchases usually have no cooling-off at all, and even covered purchases lose the right once goods are personalised, sealed items are opened, digital content is downloaded or services start with your agreement. This checker takes the days since you bought or received the item and tells you where you sit in the window, then walks the exclusions so you know whether the right even applies to your purchase — because the most expensive mistake is assuming it does.
Check whether you are still inside the cooling-off period for a recent purchase or contract — the typical 14-day window, the days you have left, and the exclusions that quietly remove the right to cancel.
Mostly ones you could not inspect before paying: online and distance sales, doorstep sales, and many financial services or contracts signed away from a shop. Ordinary in-store purchases are usually governed by store policy instead — check your local law for the exact list.
For goods, usually the day you receive them, not the day you order; for services, the day the contract starts. If delivery was late or split into several parcels, most rules run from the last delivery — keep the dates straight with the delivery confirmation.
The right is statutory, not a favour — a dated written cancellation inside the window is legally effective in most countries, and the seller must refund within the period the law sets. If they refuse, escalate to your local consumer regulator or disputes service with the cancellation message as evidence.
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.