Refund and Cancellation Policy

This policy governs cancellations and refunds for the Snapset service, operated by Eden Jarmon, a licensed sole proprietor (Osek Murshe) registered in Israel, Business no. 322374729 (the "Operator"). It is written in accordance with the Israeli Consumer Protection Law, 5741-1981 (the "Law"), the Consumer Protection Regulations (Cancellation of a Transaction), 5771-2010 (the "Regulations"), and the Consumer Protection Regulations (Distance Selling Transactions). Nothing in this policy derogates from any statutory right that cannot be waived. Where any provision here is less favourable to a consumer than the Law requires, the Law prevails.

The statutory rights described in sections 4 to 9 apply to a "consumer" as defined in the Law, a person who purchases the service mainly for personal, domestic or family use. A purchase made for business purposes is not a consumer transaction and is governed by the Terms of Service and by sections 10 and 11 below. Consumers outside Israel may hold different or additional rights under the law of their own jurisdiction; those rights are unaffected.

Currency and tax follow the buyer's location as determined by the Service at checkout, not a user choice. Consumers in Israel are billed in New Israeli Shekels at prices that include VAT; customers outside Israel are billed in US dollars with no Israeli VAT. Fees stated in this policy in shekels apply to transactions billed in shekels. Where a transaction was billed in US dollars, a shekel-denominated fee is converted using the Bank of Israel representative rate published on the date the cancellation notice is received, and the equivalent amount is presented to the consumer before any deduction is made. A tax document is issued for every payment, and a credit note for every refund.

Snapset is sold exclusively online, so every purchase is a distance-selling transaction under section 14C of the Law. A consumer may cancel:

• A one-off purchase of credits, within 14 days of the date of the transaction, or of the date on which the disclosure document was received, whichever is later.
• A subscription, within 14 days of the date of the transaction, or of the date on which the disclosure document was received, whichever is later, whether or not the service has already begun.

Notice of cancellation must be given in one of the ways set out in section 12.

Under section 14C1 of the Law, a consumer who is a person with a disability, a senior citizen aged 65 or over, or a new immigrant (Oleh Chadash) may cancel a distance-selling transaction within four months of the date of the transaction or of receipt of the disclosure document, whichever is later, provided the transaction involved a conversation between the Operator and the consumer, including a conversation conducted by electronic means. The Operator may ask to see a single document evidencing that status, a senior citizen certificate, an immigrant certificate or certificate of eligibility, or a certificate of disability lasting more than six months, and will not require any further proof.

Section 14C(d)(3) of the Law provides that the statutory right of cancellation does not apply to a distance-selling transaction for "information" as defined in the Computers Law, 5755-1995. Credits and generated images may fall within that exclusion. Notwithstanding this, the Operator grants the cancellation rights described in this policy as a matter of contract, subject to section 8 regarding credits that have already been used.

A subscription is an "ongoing transaction" under section 13C of the Law and may be cancelled at any time, without giving a reason. Following a cancellation notice, the subscription will terminate no later than three business days from the day the notice was given, or six days if the notice was sent by registered mail. Where the notice is given from within the account, the subscription terminates immediately upon confirmation. Where cancellation takes effect during a period that has already been paid for and the service has been used, the consumer pays the proportionate value of the service actually used, as provided by Regulation 5(d), and the balance is refunded. Credits originating from the subscription expire when the subscription ends.

A credit consumed to generate an image is a service rendered in full and is not refundable. Generations that fail for a technical reason are returned to the balance automatically and are not counted as used. Where only part of a credit balance has been used, the unused part is refunded in accordance with this policy.

Where a consumer cancels for reasons of their own, that is, not for any of the reasons listed in section 10, the Operator may deduct a cancellation fee of up to 5% of the transaction price or ILS 100, whichever is the lower amount, as provided by Regulation 5(a). Where a subscription is cancelled after the service has already been used during a paid period, the consumer is charged the proportionate value of the period actually used up to the date the cancellation takes effect, and the balance is refunded.

In addition, where the transaction was paid by credit card and the Operator demonstrates to the consumer that the card company or the clearing provider charged the Operator a clearing fee in respect of the cancelled transaction, that fee may also be deducted, as permitted by Regulation 5(b). No other amount is deducted, and no separate refund-processing fee is charged on a statutory cancellation.

No cancellation fee is deducted, and the full amount paid is refunded, where the cancellation arises from any of the following:

• A defect in the service.
• A discrepancy between the service and the details disclosed to the consumer by the Operator.
• Failure to provide the service by the agreed date.
• Any other breach of the terms of the transaction by the Operator.

Outside the periods described in sections 4 and 5, and in cases where the statutory right of cancellation does not apply, there is no entitlement to a refund. The Operator may nonetheless grant a refund at its discretion as a gesture of goodwill. Where such a discretionary refund is granted, a handling fee of ILS 40 is deducted, reflecting the cost of processing a reversal that the Operator is not obliged to make. This fee applies only to voluntary refunds; it is never charged on a statutory cancellation under sections 4, 5 or 7, and it does not limit or replace any statutory right.

Notice of cancellation may be given by any of the following, at the consumer's choice:

• From within the account, on the profile page.
• By email to ejarmon.design@gmail.com.
• By registered mail to the Operator at the address supplied on request to the email address above.

It helps to include the account email address and the transaction concerned, but a notice is valid without them provided the consumer and the transaction can be identified. A consumer exercising the extended right under section 5 should also attach the relevant certificate.

The Operator will send written confirmation of the cancellation to the consumer. A refund is made using the same means by which payment was made, to the same payment method, and no later than 14 days from receipt of the cancellation notice, as required by section 14E(b)(1) of the Law. Where payment was made by credit card, the Operator will cancel the charge or instruct the card company to credit the card. Refunds of amounts that included VAT are made inclusive of VAT, and a credit note is issued for every refund and sent to the account email address.

A subscription renews automatically at the end of each billing period until it is cancelled. The price, the billing period and the renewal date are shown in the account before purchase and at any time afterwards. Cancelling before the renewal date prevents the next charge; cancelling after a renewal charge has been made is treated under sections 7 and 9.

A consumer who believes a charge is incorrect is asked to contact the Operator first, at ejarmon.design@gmail.com, so the matter can be resolved directly and quickly. This does not affect the consumer's right to approach the card issuer, the Israeli Consumer Protection and Fair Trade Authority, or a court. Where a chargeback is raised for a transaction that is also the subject of a cancellation request, the Operator will handle the matter through the card issuer rather than deducting any fee twice.

Eden Jarmon, sole proprietor (Osek Murshe), Israel Business no. 322374729. Email: ejarmon.design@gmail.com. Enquiries about cancellations and refunds are answered within a reasonable time and in any event within the periods required by law.