Educational Consumer Tips
Better Business Bureau
Retailers can charge whatever they want for any product or service, so check competitive prices. Understand & keep copy of any contract, receipt, & warranty. Sales contract should include a delivery date, product description, all costs, oral promises & whether manufacturer, retailer or installer is responsible for guarantee. Any finance contract should include monthly payment, interest rate, & total cost.
Refunds & Exchanges: A business is not obligated to accept items for refund, exchange, or credit except in cases where the item is defective or was misrepresented. Some businesses have no refund or final sale policies. In some states, but not all, retailers are required by law to clearly disclose what their return policies are. Return policies can vary, so you should be sure to ask about a business' return policy, before you make a purchase, especially if the item is to be given as a gift. Return policies usually require that the item, be returned within a specified period of time, and must be in usable or salable condition. It is a good idea to keep the package and other materials an item was wrapped in, just in case you would have to return the item, & it would have to be shipped to the manufacturer. Finally, always save your receipt.
Ohio signed into law Senate Bill 33 that prohibits any person or entity from selling to a purchaser a gift card containing an expiration date that is less than 2 years after the date it was issued. This law also prohibits service charges or fees relative to a gift card within 2 years after the card is issued. This law is effective as of June 15, 2006. To view this law and any exceptions you may visit: http://www.legislature.state.oh.us/bills.cfm?ID=126_SB_33.
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