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The return policy for Shan and Toad, an online children's clothing store, does not allow full refunds to five neighborhoods in the United States, including two in New Jersey.

The return policy for Shan and Toad, an online children's clothing store, is pretty standard until you reach the asterisk.

The store offers full refunds on items not on sale for shoppers who are "dissatisfied" with his or her purchases, unless you live in Lakewood. Or Passaic City, or three locations in New York.

Customers from those towns may only get store credit or make exchanges for returns.

Shan and Toad's website offers no explanation why the two New Jersey towns along with Brooklyn, Monsey, and Monroe in New York are treated differently. The company did not respond to multiple requests through email and phone calls on Tuesday.

One common thread between the neighborhoods is they're known to have large populations of Orthodox Jews.

Lisa Coryell, a spokeswoman for the state Division of Consumer Affairs, said the state's Refund Policy Disclosure Act does not address online sales.

The policy requires stores to post their return policy in a place that is clearly visible to consumers at the point of purchase, Coryell said.

"The Act does not set any parameters for the refund policy itself," she said. "If there is a misrepresentation or omission in the refund policy, the Consumer Fraud Act may apply to the online seller."

Alex Napoliello may be reached at anapoliello@njadvancemedia.com. Follow him on Twitter @alexnapoNJ. Find NJ.com on Facebook.