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With so many shoppers making returns, it’s important to remember that stores set their own rules when it comes to refunds and exchanges. Stores are not legally required to accept exchanges or give refunds unless the merchandise was defective or misrepresented. While most retailers do offer refund and exchange programs, policies vary greatly from one store to another. Be sure to double-check policies this holiday season, even if you are familiar with the brand, as stores can change their policies whenever they want.