Commerce Rules: Selling with Payments through MyVisito

How payment through MyVisito works

• The payment is collected by MyVisito acting as a limited payment collection agent for the seller. The checkout page and the card statement show MyVisito's name together with the seller's name.
• The product itself, its content, quality and delivery are the sole responsibility of the seller. MyVisito is not a party to the sale itself.
• Proceeds are transferred to the seller after a 14-day safety period (the buyer cancellation window), in an automatic weekly transfer. For products with a known delivery date (a scheduled meeting, an event), proceeds release only after the session took place, plus a 3-day complaint window. A transfer goes out from an available balance of about ILS 300 or more; a smaller balance accrues toward the next transfer.
• Issuing a lawful tax invoice or receipt is the seller's obligation.

Cancellations and refunds: at the seller's discretion, with legal floors

Refunds on sales paid through MyVisito are at the seller's discretion, except for the rights the law grants buyers, which the system enforces automatically: canceling a meeting or an event up to 72 hours before the session, and returning a physical product within 14 days. An instantly delivered digital product (a file, an instant-access course, a membership) is not cancellable: by paying, the buyer agrees to immediate delivery and waives the withdrawal right, as is standard in digital stores.

How it works: a problem or request is sent to the seller from the personal order page (the link in the purchase email). When a legal cancellation right applies, the request is flagged in the system and the seller must approve or deny within 5 business days; an in-right request left unanswered is approved automatically and the money is returned, with no cancellation fee. In every other case the decision is the seller's, who may refund as a goodwill gesture in one click. Unresolved with the seller? support@myvisito.com

Payment and cancellation terms per product type

• Digital product (downloadable files): instant delivery, no cancellation right. A refund only at the seller's discretion (for example a corrupt file or one materially different from the description).
• Instant-access digital course: no cancellation right. Refunds at the seller's discretion only.
• Membership (club, community, ongoing content): renewal can be canceled at any time, effective from the next charge. The paid period is not refunded except at the seller's discretion.
• Meeting, consultation or pre-booked service: free cancellation until 72 hours before the scheduled time (enforced automatically). Closer to the session, or a no-show: at the seller's discretion.
• Event or event ticket: free cancellation until 72 hours before the event. If the seller cancels the event: a full refund.
• Physical product: a 14-day return right by law, subject to returning the product to the seller in its original condition.
• Listing (real estate) and other no-payment offers: inquiry-only offers. No payment is collected through them, no transaction is formed through MyVisito, and the payment rules on this page do not apply to them.

The seller's obligations

• Deliver the product or service as described, when described.
• Describe the product accurately and without misleading claims, including price, contents and limitations.
• Issue a lawful tax invoice or receipt for every sale.
• Answer cancellation requests within a legal right within 5 business days.
• Bear full responsibility for buyer claims about the product, including refunds, chargebacks and legal claims. MyVisito may offset such amounts from the seller's held or future proceeds.
• MyVisito monitors for suspicious activity. On reasonable suspicion of fraud, a prohibited product, or a breach of these rules, it may freeze accounts and funds, delay transfers, request documents, and end the service, with or without prior notice.

Prohibited products and content

The following may not be sold through MyVisito payments, in line also with the restrictions of our payment providers. Selling any of these triggers immediate account freeze and funds retention per the Terms of Service:

• Gambling, lotteries and sports betting of any kind.
• Adult content and escort services.
• Weapons, ammunition and their components.
• Drugs, cannabis and controlled substances, and paraphernalia intended for their use.
• Pharmaceuticals, regulated supplements and prescription services.
• Tobacco, e-cigarettes and smoking products.
• Counterfeit goods or products infringing intellectual property.
• Regulated financial services, investments, cryptocurrencies and lending.
• Hate content, incitement or content encouraging violence.
• And any product or service that is illegal in the seller's or the buyer's country, or that appears on the prohibited or restricted business lists of Stripe or the relevant payment provider.

Who is responsible for what

• MyVisito (EmodeFlow, LLC): the platform operator. On the payments-through-MyVisito rail it collects the payment for the seller, handles refunds per the rules on this page, transfers proceeds on the published schedule, and monitors for fraud.
• Stripe: the payment provider, an independent third party. Responsible for secure card processing and the banking rails. Decisions and timing of Stripe and the banks are its responsibility.
• The seller: the seller of record. Responsible for the product, its content, legality, delivery, accurate description, the tax invoice, and answering cancellation requests within 5 business days.
• The buyer: responsible for providing accurate details, lawful use of the product and its license, and knowing the per-type cancellation rules before purchasing.

Changes to these rules

A material update to these rules takes effect for existing sellers with advance notice. Continuing to use the MyVisito payment rail after the update date constitutes acceptance of the updated rules.

Contact

Questions about these rules or a specific transaction: support@myvisito.com. Buyers are encouraged to contact the seller first through the order page; we are here when you need us.