N.Y. Gen. Bus. Law § 396-o

§ 396-o. Sales by persons offering credits or refunds in certain\ncases. Whenever a person purchases goods or services from a seller,\nwhere a representation or guarantee is made that a full or partial\ncredit or refund of the purchase price will be made if the purchaser is\nnot fully satisfied with the goods or services purchased, unless\notherwise specifically specified to the contrary, the purchaser alone\nshall determine whether such guarantee or representation shall be\nfulfilled by refund or by credit.\n