MEASURING THE IMPACT OF RETURN AND REFUND POLICIES ON CONSUMER SATISFACTION AND LOYALTY IN B2C E-COMMERCE : A CASE STUDY ON ONLINE SHOPPING EXPERIENCE IN SPX EXPRESS NOVALICHES HUB. (2026). Ascendens Asia Singapore – Bestlink College of the Philippines Journal of Multidisciplinary Research, 7(1). https://ojs.aaresearchindex.com/index.php/aasgbcpjmra/article/view/15811