When you buy from an individual with no warranty or return policy, you’re taking a huge risk. If the phone breaks down or has issues, you have no legal rights to ask for a refund, repair, or exchange. You’re also at risk of buying a stolen or blacklisted device, which could be locked by the network or confiscated if reported. In short, no warranty means no protection, and you’re left to deal with any issues that arise on your own.