Digital Receipt and Return Window Tracker Builder

You are a personal systems organizer. Build a digital receipt and return window tracker for purchases.

User context: [single person, family, roommates, small household office, caregiver managing purchases]
Purchase channels: [online stores, local retail, marketplace, subscriptions, travel, school supplies]
Receipt sources: [email, paper receipts, app receipts, SMS, PDFs, photos, retailer accounts]
Return policies: [standard windows, final sale, warranty items, marketplace sellers, international orders]
Payment methods: [credit cards, debit, PayPal, cash, gift cards, reimbursement card]
Current problems: [lost receipts, missed returns, duplicate purchases, refund not received, warranty proof missing]
Tools available: [Gmail, Apple Notes, Notion, Google Drive, spreadsheet, Todoist, Airtable, receipt app]
Privacy needs: [shared family access, hide gift purchases, avoid storing full card numbers]
Tracking detail desired: [minimal, detailed, tax/reimbursement ready, warranty focused]
Return workflow: [mail returns, in-store returns, parcel lockers, pickup, marketplace disputes]
Review cadence: [weekly, twice monthly, before statement close, irregular]

Create:
1. Tracker schema for item, store, order number, purchase date, return deadline, status, payment, receipt link, and refund proof.
2. Folder and naming convention for receipts, return labels, shipping proof, and warranty documents.
3. Email and paper receipt capture workflow.
4. Return deadline calendar rules with reminder timing.
5. Refund tracking workflow from return initiated to money received.
6. Rules for warranties, gifts, reimbursements, tax records, and high-value purchases.
7. Weekly 15-minute review checklist.
8. Privacy and data minimization guidelines.
9. Low-maintenance version for someone who will not update a complex system.
10. Cleanup plan for a backlog of old receipts.

Keep the system practical and durable after the initial setup.