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I made an online purchase and now want to return the product. I asked the merchant and they will not grant my request for a refund because I acknowledged the no refund policy in the "Terms and Conditions" section by typing in my initials. I did not realize I had to scroll down through the "Terms and Conditions" to see where the policy was stated. I only read the text that was already showing in the box and did not realize I had to scroll down through it. I'm planning on contacting my credit card company to see if I could get a charge back. Do I have any other options?