Policies

Terms of Service

These Terms of Service ("Terms") govern your access to and use of Reflac ("the Platform"), a marketplace application that connects buyers and sellers for local buying and selling of goods. By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Platform.

1. Acceptance of Terms

By creating an account, browsing listings, making an offer, or completing a purchase on Reflac, you acknowledge that you have read, understood, and agreed to these Terms, our Privacy Policy, and our Community Guidelines.

2. Eligibility

You must be at least 18 years old to use the Platform. By using Reflac, you represent and warrant that you meet this requirement. If you are under 18, you may only use the Platform with the involvement of a parent or legal guardian who agrees to these Terms.

3. Account Registration

To buy or sell on Reflac, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration, including your name, email address, phone number, and profile picture.
• Keep your account credentials confidential and secure.
• Update your information promptly when it changes.
• Notify us immediately of any unauthorized access to or use of your account.

4. Use of the Platform

You may use the Platform only for lawful purposes and in accordance with these Terms. You agree not to misuse the Platform, attempt to gain unauthorized access to any part of it, or interfere with its proper operation.

5. Changes to Terms

We may update these Terms from time to time. Continued use of the Platform after changes are posted constitutes acceptance of the revised Terms. The "Last updated" date at the top of this page indicates the most recent revision.

Privacy Policy

This Privacy Policy explains how Reflac ("we", "our", "us") collects, uses, discloses, and protects your personal information when you use the Platform. Reflac is a local marketplace that connects buyers and sellers. The app allows users to browse listings, communicate with sellers, make offers, complete purchases, and manage their selling activity.

1. Information We Collect

Category	Examples	How It Is Collected
Account Information	Name, email address, phone number, profile picture	Provided by you during registration
Listing Information	Item titles, descriptions, prices, photos, category, condition, location	Provided by you when you create or edit a listing
Transaction Information	Payment amounts, service fees, tax, payment method	Collected when you complete a purchase or boost
Communication Data	Messages with sellers, contact-us tickets	Provided by you when you communicate
Usage Data	Pages viewed, searches, listings viewed, favorites	Collected automatically as you use the app
Device Information	Device type, operating system, browser, IP address	Collected automatically

2. How We Use Your Information

• Operate and maintain the Platform, including account management and listing display.
• Process transactions, including payments, service fees, and refunds.
• Facilitate communication between buyers and sellers.
• Send notifications about offers, messages, payments, and account activity.
• Prevent fraud, abuse, and prohibited activity.
• Improve our services, features, and user experience.

3. Payment Information

Payment details are processed securely by our third-party payment partners, including Stripe and PayPal. We do not store full credit card numbers on our servers. Saved cards are tokenized by our payment processors and stored securely.

4. Data Sharing

We do not sell your personal information. We may share data with service providers who help us operate the Platform (such as payment processors, email providers, and analytics services), and as required by law, regulation, or legal process.

5. Cookies

We use cookies and similar technologies to enhance your experience. See our Cookie Policy for details.

6. Data Retention

We retain your information for as long as your account is active or as needed to provide services, comply with legal obligations, resolve disputes, and enforce our agreements. You may request deletion of your data by deleting your account or contacting us.

7. Your Rights

You have the right to access, correct, or delete your personal data. You may also opt out of marketing communications at any time. Depending on your jurisdiction, you may have additional rights under applicable data protection laws.

8. Security

We implement industry-standard security measures to protect your data, including encryption in transit (TLS) and at rest, secure password hashing, and monitoring for suspicious activity. No method of transmission over the internet is 100% secure, but we work hard to protect your information.

Cookie Policy

This Cookie Policy explains how Reflac uses cookies and similar technologies when you visit or use the Platform.

1. What Are Cookies

Cookies are small text files stored on your device by your web browser. They help us remember your preferences and improve your experience.

2. Types of Cookies We Use

Type	Purpose
Essential Cookies	Required for the Platform to function. Enable core features like authentication, session management, and security.
Functional Cookies	Remember your preferences, language, and region so we can personalize your experience.
Analytics Cookies	Help us understand how users interact with the Platform, which pages are visited most, and how we can improve.
Advertising Cookies	Used to deliver relevant advertisements and measure the effectiveness of marketing campaigns.

3. Third-Party Cookies

We may use cookies from trusted partners including Stripe, PayPal, and Google Analytics to process payments and analyze traffic.

4. Managing Cookies

Most browsers allow you to control cookies through their settings. You can block or delete cookies, but doing so may affect Platform functionality, including the ability to stay signed in.

Listing Guidelines

These guidelines help sellers create clear, honest, and successful listings, and help buyers trust what they see on the Platform.

1. Creating a Listing

When you create a listing, you must provide a title, description, price, category, condition, and location. Categories include furniture, electronics, clothing, cars, home, sports, baby, books, and other. Conditions include new, like-new, good, fair, and salvage.

2. Listing Accuracy

• Use accurate titles and descriptions that match the item being sold.
• Use clear, truthful photos that accurately represent the item's condition.
• Set a realistic price in the supported currency. Prices must be in whole dollars or standard currency formatting.
• Disclose any damage, defects, or flaws in the item.
• Do not list the same item in multiple categories or with misleading keywords.

3. Honest Conduct

Listing an item you do not actually own, misrepresenting an item's condition, or using stock photos without permission is prohibited. We may remove any listing that violates these guidelines.

4. Selling Responsibilities

Sellers are responsible for accurately describing their items and fulfilling commitments. When a sale is completed, the listing status may be updated to "sold" to reflect that the item is no longer available.

Prohibited Items

The following items and services may not be listed or sold on Reflac. This list is not exhaustive and may be updated at any time.

Category	Prohibited Items
Illegal Goods & Services	Any goods or services that are illegal to buy or sell in your jurisdiction
Weapons	Firearms, ammunition, explosives, and weapons of any kind
Drugs	Illegal drugs, drug paraphernalia, and controlled substances
Stolen Property	Counterfeit, stolen, or unauthorized replica items
Personal & Financial Data	Any personally identifiable information, financial data, or account credentials of others
Harmful Content	Hate speech, discriminatory content, or content that promotes violence or harassment
Services	Services offered in exchange for payment on the Platform (the Platform is for physical goods only)

Reporting Prohibited Items

If you believe a listing violates these prohibitions, report it to us at support@reflac.com or through the contact page. We review all reports and may remove listings and take action against offending accounts.

Offers & Negotiations

Reflac allows buyers to make offers on listed items. Offers let buyers and sellers negotiate a price before committing to a purchase.

1. Making an Offer

• You may make an offer on any active listing.
• You may not make an offer on your own listing.
• You may only have one pending offer on a given item at a time.
• Your offer must include a price in the supported currency. You may optionally include a message to the seller.

2. Seller Responses

Sellers may accept, reject, or ignore offers received on their listings. When a seller accepts or rejects an offer, you will receive a notification with the outcome. A rejected offer may be revised and resubmitted.

3. Good Faith

Offers should be made in good faith with the intent to complete a purchase if accepted. Repeatedly making and then abandoning accepted offers may result in restrictions on your account.

Payments & Billing

This policy explains how payments, fees, and taxes work on Reflac.

1. Payment Methods

• Cards: We accept major credit and debit cards processed through Stripe.
• PayPal: We accept payments through PayPal.
• Saved Cards: You may save cards to your account for faster checkout. Saved card details are tokenized and stored by our payment processors.

2. Service Fee

A service fee of 12.9% of the subtotal, with a minimum fee of $1.99, applies to purchases made on the Platform. The fee is shown at checkout before you confirm your payment.

3. Sales Tax

Where applicable, sales tax is calculated on the subtotal at the rate in effect for your location (currently 8.25% by default) and added to your total at checkout.

4. Total Calculation

Your total at checkout is calculated as follows: subtotal + service fee + sales tax. The itemized breakdown is always displayed before you confirm payment.

5. Boost Payments

Payments for boosted listings are charged at the published boost price for the selected tier. Boost payments are non-refundable and are not subject to a service fee.

6. Failed or Declined Payments

If a payment is declined or fails to process, the transaction will not be completed and the listing will not be marked as sold. You will be notified, and you may retry the payment using another method.

Boosted Listings

Boosted listings give sellers additional visibility by featuring their items more prominently. This policy explains how boosting works.

1. Boost Tiers & Pricing

Tier	Price	Benefit
Featured	$4.99	Highlighted placement and a "Featured" badge
Premium	$9.99	Enhanced placement with a "Premium" badge
Spotlight	$19.99	Top placement with a "Spotlight" badge

2. Display & Rotation

Boosted listings appear at the top of search results and are rotated to give each boosted listing fair exposure. A limited number of boosted listings are displayed at any time.

3. Review & Approval

Boost payments may be reviewed before activation. In some cases, boosting may be configured for automatic approval, and boosted listings are subject to removal if they violate our listing guidelines.

Refund Policy

Reflac handles refund requests for eligible completed payments. This policy explains the conditions and calculations that apply.

1. Refund Window

Refund requests must be submitted within 24 hours of the original payment. Requests submitted after the window has expired will be declined.

2. Eligibility

• Only payments with a "succeeded" status are eligible for refund.
• Only the account that made the payment may request a refund for it.
• A payment may not have an existing pending refund request.
• Boost payments are not eligible for refunds.
• A payment that has already been fully refunded is not eligible.

3. Refund Calculation

Refunds are calculated as follows:

• A minimum refund of 20% of the original payment amount applies.
• A processing fee of 10% is deducted from the refunded amount.
• The net refund is credited back to your saved card or original payment method.

Step	Calculation	Example ($100 payment)
Original amount	Payment subtotal	$100.00
Minimum refund (20%)	original × 20%	$20.00
Processing fee (10%)	min refund × 10%	$2.00
Net refund	min refund − fee	$18.00

4. Request Limits

Users may request a maximum of 3 refunds per day.

5. Review & Processing

Refund requests are subject to admin review and approval. You will be notified via email and in-app notification once your refund is processed, approved, or rejected. If a refund is rejected, a reason will be provided.

6. Effect on Listings

Once a payment is fully refunded, the related listing status may be updated accordingly.

Ratings & Reviews

Ratings and reviews help buyers choose trustworthy sellers. This policy explains how the rating system works on Reflac.

1. How Ratings Work

• Buyers may leave a rating and review for a seller after a successful purchase or offer payment.
• Ratings are on a scale of 1 to 5 stars.
• A minimum payment amount of $1.00 is required to leave a rating.
• You may not rate your own payment or rate yourself.
• Boost payments may not be rated.

2. When You Can Rate

Ratings can only be submitted within 30 days of the listing creation date. Only one rating may be left per completed payment.

3. Rating Removal

We reserve the right to remove ratings and reviews that violate our community guidelines, including fake reviews, spam, or abusive content. Admin decisions on rating removal are final.

Favorites

The Favorites feature lets you save listings you are interested in so you can find them again later.

1. Saving Listings

You may save any active listing to your favorites. Saved listings appear in your favorites list on your profile.

2. Availability

Favoriting an item is not a purchase or a hold. If the item is sold or the listing is removed, it will no longer be available even if it remains in your favorites.

3. Removing Favorites

You may remove any listing from your favorites at any time through your favorites list.

Messaging & Communication

Reflac provides in-app messaging to help buyers and sellers communicate about listings.

1. How Messaging Works

Buyers can start a conversation with a seller through the contact seller feature. Conversations are associated with your account and may be accessed from your message history.

2. Appropriate Use

• Use messaging to discuss listings, offers, and purchases.
• Do not send spam, scams, harassment, or unsolicited promotional content.
• Do not share personal financial information such as full card numbers in messages.
• Do not attempt to complete transactions outside the Platform's secure payment system.

Notifications

Reflac sends notifications to keep you informed about activity on your account.

1. Types of Notifications

• In-App Notifications: Shown inside the app for offers, messages, payments, refunds, and account activity.
• Email Notifications: Sent to your registered email address for confirmations, receipts, and important account updates.
• Admin Announcements: Updates from the Reflac team.

2. Managing Notifications

You may adjust notification preferences in your account settings. Note that essential account and security notifications cannot be disabled.

Community Guidelines

Reflac is built on trust. These guidelines describe the conduct expected of all users and help keep the community safe and welcoming.

1. Respect & Honesty

Treat other users with respect. Be honest in your listings, offers, and communications. Do not misrepresent yourself, your items, or your intentions.

2. Prohibited Conduct

• Harassment: Do not harass, threaten, or intimidate other users.
• Hate Speech: Do not post content that promotes hatred or discrimination.
• Spam: Do not post repetitive, irrelevant, or unsolicited content.
• Impersonation: Do not impersonate other users, admins, or businesses.
• Scams & Fraud: Do not engage in deceptive practices or attempts to defraud other users.

3. Enforcement

We may remove content and take action against accounts that violate these guidelines, up to and including account suspension or termination.

Fraud & Account Security

We take the security of our users and the integrity of the marketplace seriously.

1. Protecting Your Account

• Use a strong, unique password for your Reflac account.
• Never share your password or verification codes with anyone.
• Keep your email address up to date so you can recover your account.
• Log out of shared devices after use.

2. Fraudulent Activity

We monitor for suspicious activity, including fraudulent payments, fake listings, and account misuse. We cooperate with payment partners and law enforcement to investigate and prevent fraud.

3. Reporting Suspicious Activity

If you suspect that you have been the victim of fraud or that an account is acting fraudulently, contact us immediately at support@reflac.com.

Intellectual Property & DMCA

1. Ownership

All Reflac branding, software, and original content are owned by or licensed to Reflac and are protected by copyright, trademark, and other laws. You may not reproduce, modify, or distribute them without prior written consent.

2. User Content

You retain ownership of the content you post, such as listing photos and descriptions. By posting content, you grant Reflac a limited license to display, distribute, and promote it as needed to operate the Platform.

3. Copyright Complaints

If you believe content on the Platform infringes your copyright, you may submit a notice to our designated agent. We will respond to valid takedown requests and may remove infringing content and terminate repeat infringers.

Termination

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent or abusive activity.

1. Grounds for Termination

• Violation of these Terms or Community Guidelines.
• Fraudulent, deceptive, or illegal activity.
• Attempts to interfere with the Platform or other users.
• Repeat policy violations.

2. Account Deletion

You may delete your account at any time through your account settings. Deleting your account removes your access to the Platform and initiates the data deletion process described in our Privacy Policy.

3. Effect of Termination

Upon termination, your right to use the Platform ceases immediately. Listings and content associated with your account may be removed.

Dispute Resolution

1. Contact First

If you have a dispute related to a transaction, a listing, or the Platform, please contact us first. Many issues can be resolved through our support channels.

2. Admin Review

Refunds, listing removals, and rating disputes are subject to admin review. Decisions are made based on our policies, applicable law, and the evidence available.

3. Governing Law

These Terms are governed by the laws of the jurisdiction in which Reflac operates, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts in that jurisdiction for any disputes.

Liability & Disclaimer

1. Platform Role

Reflac acts as a platform connecting buyers and sellers. We are not a party to the transaction between buyers and sellers and are not responsible for the quality, safety, or legality of listed items.

2. Disclaimer of Warranties

The Platform is provided "as is" and "as available" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

3. Limitation of Liability

To the fullest extent permitted by law, Reflac shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or data, arising out of or related to your use of the Platform.

Accessibility

Reflac is committed to making the Platform accessible to all users, including people with disabilities. We strive to follow accessibility best practices and support assistive technologies. If you encounter an accessibility barrier, contact us and we will work to address it.

Children's Privacy

The Platform is intended for users who are at least 18 years old. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, contact us and we will take steps to delete it.

International Users

Reflac operates locally, and the Platform is intended for users within the markets we serve. If you access the Platform from outside those markets, you do so at your own risk and are responsible for compliance with local laws. Listings and transactions are conducted in the currency supported by the Platform.

Changes to Policies

We may update these policies from time to time. Changes will be posted on this page with an updated date. Continued use of the Platform after changes are posted constitutes acceptance of the revised policies. We encourage you to review this page periodically.