Been a member 30yrs. I finally got burned by a garage sale. They sold me an expensive bike light that doesn't work at all. Stole my money for sure. Yes, they cover themselves so they can keep your money and tell you too bad. I suppose REI needs to screw us over so they can allow people to purchase use and return goods. Ha! The manager tells me "I would not have purchased the item". He made my next purchase from a local shop a no brainier.