What does it mean when, for a consumer such as myself, purchasing say a Xiaomi phone without a warranty from Amazon? If it states returnable/refundable?
Why should it be a concern?
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It means that once the return period is over (whatever that might be, quite possibly not very long) you will have no legal remedy if the phone stops working or develops a problem. Whether this is an issue of concern is a matter of the buyer's judgement.
In some US state limited basic warranties are imposed by law, and cannot be disclaimed by a notice.