A promotional strategy originating in the Anglo-Saxon world aims to encourage consumers to buy a product by offering them the possibility of obtaining a partial or full refund after a certain period. This refund may or may not be subject to conditions related to the purchase of a new item. Generally used for durable goods, this refund period extends over approximately 10 years, allowing sellers to count on the fact that most buyers will have forgotten about the process or misplaced the necessary documents for their refund by the time the deadline arrives. This operation is often accompanied by insurance, the amount of which is determined based on the number of early refund requests.