Return policy comparison · 2026
Legal Harbor vs Simple
Policy data verified July 24, 2026 by the Thrifle team
Winner
Legal Harbor
A-
4.0 / 5.0 · Very Good
Simple
B-
2.9 / 5.0 · Fair
The verdict
Legal Harbor has the more generous return policy in 2026, grading A- (4.0/5.0) against Simple's B- (2.9/5.0). It wins 2 of 5 scoring axes; the biggest gap is the return window: 90-day window (above average) versus 30-day window (industry standard).
Score breakdown
Five axes, 5.0 points total — the same deterministic grader behind every Thrifle policy page.
Legal HarborSimple
Return window · worth 2.0
Restocking fee · worth 1.0
Return shipping · worth 1.0
Holiday window · worth 0.5
Transparency · worth 0.5
Key terms side-by-side
| Legal Harbor | Simple | |
|---|---|---|
| Return window | ✓ 90 days (performance-based money-back guarantee) | 30 days (must show at least 15 consecutive days of program use) |
| Free returns | ✓ Yes (members) | — |
| Restocking fee | None | None |
| Return shipping | Not applicable - digital credit repair service | — |
| Holiday extension | — | None published |
| Non-returnable | None published | Lifetime subscriptions, gift card purchases, downloadable workout and nutrition workbooks |
| Watch-out items | — | — |
Legal Harbor tip
This is a performance-based guarantee, not a no-questions-asked refund - expect Legal Harbor to check whether the promised results (dispute progress) actually happened before approving your money back.
Simple tip
Simple actually checks your in-app tracking data and meal photos before approving a refund - you need to show you followed the program for at least 15 days, not just ask for your money back.
Frequently asked questions
Who has the better return policy, Legal Harbor or Simple?
Legal Harbor has the more generous return policy in 2026, grading A- (4.0/5.0) against Simple's B- (2.9/5.0). It wins 2 of 5 scoring axes; the biggest gap is the return window: 90-day window (above average) versus 30-day window (industry standard).
What is Legal Harbor's return window?
Legal Harbor's return window is 90 days (performance-based money-back guarantee).
What is Simple's return window?
Simple's return window is 30 days (must show at least 15 consecutive days of program use).
Does Legal Harbor or Simple offer free returns?
Legal Harbor: Yes (members). Simple: see full policy.