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All purchases are stated to be final and non-refundable unless law or a specific offer provides otherwise; billing error disputes must be submitted within 90 days of the charge, after which the right to dispute is released per the agreement terms.
This analysis describes what Microsoft's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes a 90-day contractual window for disputing billing errors, after which the agreement states users release all claims arising from the error. The policy acknowledges that statutory rights under applicable law are not displaced, which is materially significant for users in jurisdictions with longer statutory dispute periods.
The agreement states that purchases are final and non-refundable and requires billing error disputes to be submitted within 90 days of the charge. The document acknowledges that statutory rights under applicable law are preserved notwithstanding this contractual limitation.
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"Unless otherwise provided by law or by a particular Service offer, all purchases are final and non-refundable. If you believe that Microsoft has charged you in error, you must contact us within 90 days of such charge. No refunds will be given for any charges more than 90 days old. We reserve the right to issue refunds or credits at our sole discretion. If we issue a refund or credit, we are under no obligation to issue the same or similar refund in the future. This refund policy does not affect any statutory rights that may apply.Excerpt from Microsoft's Services Agreement (Legacy)
1. REGULATORY LANDSCAPE: The 90-day billing dispute limitation interacts with state and federal consumer protection statutes governing payment disputes, including the Fair Credit Billing Act (FCBA) for credit card transactions, which provides a 60-day dispute window from statement date but separate rights from contractual limitations. CCPA and state consumer protection statutes in California and other states may provide additional rights. EU consumer protection directives may also limit the enforceability of contractual dispute windows that are shorter than statutory periods. 2. GOVERNANCE EXPOSURE: Medium. The 90-day window is a contractual limitation that may be shorter or longer than applicable statutory dispute periods depending on jurisdiction and payment method. The provision's acknowledgment that statutory rights are preserved reduces but does not eliminate compliance exposure. 3. JURISDICTION FLAGS: EU member state consumer protection law and UK Consumer Rights Act may provide statutory refund and dispute rights that cannot be contractually shortened. California and other U.S. states with specific consumer protection statutes on billing disputes may provide rights beyond the 90-day contractual window. 4. CONTRACT AND VENDOR IMPLICATIONS: Subscription billing workflows should be reviewed to ensure that the 90-day window is clearly communicated to users at point of billing and that refund request processes are accessible and functional within the stated window. 5. COMPLIANCE CONSIDERATIONS: Compliance teams should map the 90-day contractual window against applicable statutory dispute periods in primary user geographies and ensure that user-facing billing communications clearly disclose the dispute timeline. Refund processing workflows should be documented and audited to confirm alignment with the document's stated obligations.
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This provision establishes a 90-day contractual window for disputing billing errors, after which the agreement states users release all claims arising from the error. The policy acknowledges that statutory rights under applicable law are not displaced, which is materially significant for users in jurisdictions with longer statutory dispute periods.
The agreement states that purchases are final and non-refundable and requires billing error disputes to be submitted within 90 days of the charge. The document acknowledges that statutory rights under applicable law are preserved notwithstanding this contractual limitation.
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