Are "no refund policies" legal?

In answer to your specific question, yes "no refund" policies are legal especially when they are fully disclosed. So, IMHO a suit to try to...

I had my gallbladder removed now I have internal bleeding...lawsuit against the er?

Probably not. I am not a medical malpractice lawyer but the loss of blood would not seem to present a viable malpractice claim under current Texas...

What happens if I get a mortgage before I get married, after a year we get devorced is she entitled to the property?

I am not a family lawyer but I believe the house is yours subject to reimbursement to the community for payments made during the marriage. That...

Can I have a "cooling off" period after signing a contract? Isn't a 3-day cooling off period legal?

Texas' Home Solicitation Act provides for a three-day revocation period for contracts that fall within the scope of the statute. That is, when a...

Can documents be filed in Spanish?

You are correct that Texas and the US do not have an official language. That said, American, as opposed to British, English is the dominant...

How do I go about discovering the efficacy of a prescribed drug?

First, I suggest you contact a doctor, probably your PCP if you have one, rather than an online Q&A with lawyers. Second, there might be studies...

Can we back out of a car purchase if we have not taken possession yet?

There is no buyer's remorse in Texas. So, you cannot expect to back out of the deal without consequence.

Whether you have a contract claim depends on the terms of your account agreement. Review it. I suspect though that more is going than a simple...

Work comp RS, what can they do legally? How can I get rid of them?

As long as your claim is consistent with your injuries and limitations you have nothing to worry about.

What is this called in legal terms?

It is likely conversion which is wrongfully failing to return goods upon request of the owner or dealing with goods in a manner inconsistent with...