# Terms of Service policy-source audit

Date: 2026-07-05

## Drafts

- `apps/web/src/content/legal/tos-user.en.md`
- `apps/web/src/content/legal/tos-user.he.md`

The files use the paths already loaded by `seed-static-pages.ts`. Missing operator facts use conspicuous `[[[TAG]]]` placeholders.

## Code and content reflected in the draft

| Policy area                    | Repository source                                                                   | Reflected rule                                                                                                                                               |
| ------------------------------ | ----------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| Service model                  | `src/content/faq/01-what-is-multideal.en.md`                                        | Israeli marketplace for discounted offers from local businesses                                                                                              |
| Guest checkout                 | `src/content/faq/02-how-to-buy.en.md`, `07-guest-to-user.en.md`                     | Guest purchase by email; later account linking using the same email                                                                                          |
| Voucher delivery and use       | `src/content/faq/02-how-to-buy.en.md`, `03-redeem-voucher.en.md`                    | Email/app delivery, QR or six-digit redemption, deal-specific expiry                                                                                         |
| Public voucher refunds         | `src/content/faq/04-refund-policy.en.md`                                            | Request within 30 days if unredeemed; original-card refund; up to five business days after processing                                                        |
| Cancellation workflow          | `src/server/workflows/refund.ts`                                                    | Coupon/group request within five Israeli business days; vendor approval; up to 5% deduction; redeemed purchase blocked                                       |
| Physical returns               | `src/server/returns/policy.ts`                                                      | Physical, returnable, completed and delivered; at least 14 days; no redeemed/open duplicate return; maximum six photos                                       |
| Return liability               | `src/server/returns/policy.ts`                                                      | Vendor liability for defect, transit damage, non-conformity, wrong item, or late arrival; buyer deduction capped at 5%; shipping reimbursement capped at 50% |
| Buyer protection               | `src/content/faq/04-refund-policy.en.md`, `05-vendor-no-show.en.md`                 | 48-hour vendor response stage followed by human support; no out-of-pocket loss for a properly presented deal not honored                                     |
| Group cancellation             | `src/lib/enums/cancellation-policy.ts`, `src/server/workflows/group-reservation.ts` | Statutory-only, flexible, and custom-window policies                                                                                                         |
| Club                           | `src/content/faq/06-club.en.md`                                                     | One point per shekel, monthly credit conversion, no expiry while membership is active                                                                        |
| Vendor onboarding              | `src/content/faq/08-become-vendor.en.md`                                            | Separate vendor contract and KYC/payment onboarding                                                                                                          |
| Account deletion               | `src/pages/api/user/profile/delete-request.ts`                                      | User-requested account and data deletion, subject to required retention                                                                                      |
| Suspension                     | `src/server/middleware/session.ts`, `src/server/domain/violation/machine.ts`        | Frozen and banned states; vendor deals and payouts may be disabled                                                                                           |
| Referral attribution and fraud | `src/server/affiliate-module/host-retained.ts`, affiliate UI copy                   | Attribution window, vesting/withdrawal, refund clawbacks, and fraud controls referenced at a high level                                                      |

## Required legal review and policy decisions

1. Replace every `[[[TAG]]]` before publication.
2. Have Israeli counsel review the cancellation, limitation-of-liability, venue, minors, and controlling-language clauses.
3. Resolve the public-policy mismatch: the FAQ says an unredeemed voucher refund may be requested within 30 days, while `requestCancellation()` accepts user-initiated coupon/group cancellations only within five Israeli business days and applies a 5% deduction. The draft distinguishes a refund request from the operational change-of-mind cancellation workflow, but product behavior and public copy should use one clear policy.
4. Review `calculateRefundAmount()` in `src/server/workflows/refund.ts`: after five business days it allocates the entire payment between platform and vendor with no customer refund. The customer request path rejects after five business days, so this branch should not be treated as a published consumer term without legal and product approval.
5. Confirm whether the operator or Vendor is the merchant of record for each payment path and update section 3 if checkout behavior differs.
6. Publish corresponding Privacy, Cookie, Voucher, and Vendor terms before relying on the incorporated links.

## Legal baseline used

The draft preserves mandatory rights under the Israeli Consumer Protection Law, 5741-1981 and applicable regulations. It does not attempt to contract around statutory cancellation rights, the statutory cap on permitted cancellation fees, or protections for defect, non-conformity, and failure to supply. This is a drafting baseline, not a substitute for advice from licensed Israeli counsel.