[Glossary](https://pecuvo.eu/en/glossary/) · Fraud and security # Consumer rights **In short:** consumer rights are the legal guarantees you have as a buyer of goods and services — to withdraw from an online purchase, to receive goods without defects, to know the final price and to complain. **Simply put:** Four rights across the EU: 14 days to withdraw from a distance purchase without giving a reason; 2 years of seller liability for faulty goods; 14 days to withdraw from a consumer credit, including "buy now, pay later"; a refund of a payment you didn't authorise if you report it in time (within 13 months). The trader must ask for your explicit consent to any extra payment. **Example:** Iva receives shoes on the 3rd. Until the 17th she can withdraw without a reason and must get her money back within 14 days of withdrawing. **Watch out:** the right of withdrawal does not cover everything — for example made-to-order or perishable goods. > **Example: Bulgaria** — Consumer Protection Act: 14 days to withdraw (Article 50), refund within 14 days (Article 54); complaints — CPC. > > **Check in your country** — your national consumer protection authority and the Your Europe portal. **Source:** Directive 2011/83/EU: https://eur-lex.europa.eu/eli/dir/2011/83/oj · Your Europe — returns: https://europa.eu/youreurope/citizens/consumers/shopping/returns/index_en.htm ## In depth in the modules - [Module 21](https://pecuvo.eu/en/modules/payments-and-purchases/) - [Module 29](https://pecuvo.eu/en/modules/sustainable-finance/) - [Module 17](https://pecuvo.eu/en/modules/fraud-pyramids-and-getting-rich-quick/) ## Related terms - [Consumer Protection Commission (CPC)](https://pecuvo.eu/en/glossary/cpc/) - [Returning goods (14 days online)](https://pecuvo.eu/en/glossary/returning-goods/) - [Complaint about goods and guarantee](https://pecuvo.eu/en/glossary/complaint-and-guarantee/) - [Unauthorised payment](https://pecuvo.eu/en/glossary/unauthorised-payment/) - [Right of withdrawal from a credit agreement](https://pecuvo.eu/en/glossary/credit-withdrawal-right/) - [Complaint to a bank](https://pecuvo.eu/en/glossary/bank-complaint/)