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I work at Old Navy. The return policy is 90 days unwashed and unworn merchandise can be returned or exchanged. After 90 days, you only get what it rings up then in the system bc more than likely the item has gone clearance. You may have paid 30$ but when I sell that item to another customer, we'd only get 4.99 for that item now. Washed and defective items are under the discression of management. Also without a receipt, you are allowed to exchange for the EXACT same item just a different size or a different color. It's an even swap. With online orders, we have to return and buy back. Our systems won't allow us to do an exchange from the online menu. I don't know about other stores, but my store will make sure you get the same price you paid on the same items to ensure you don't lose out on your discounts. When making online orders, request a gift invoice, when using a gift invoice to return an online order, the money goes back to a gift card. Returns without a reciept are returned on a merchandise check. A physical check will come in the mail, not any type of card. (If you raise enough hell, we have in store merchandise certificates that we can issue right on the spot)