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This policy is incomplete. The policy states, "All refunds are in the form of the initial payment." I returned a Coleman Air Mattress 4 days after purchase. I attempted to inflate it and there was a ¼ hole on the seam. It was obvious that when the top and bottom portion of the mattress was melted together this small area didn't line up and a hole was left. When I returned the item 4 days later I was told that I could only exchange it or get a gift card. I originally paid cash for the bed. My aunt had one she gave me when I was out of town. I did not want to exchange it and I didn't want a $100 gift card since I shop there about once every two years. Update your policy.