Polityka transakcji poza platformą

Effective Date: 1 July 2026Last Updated: 1 July 2026

This Off-Platform Transactions Policy (the “Policy”) forms part of the contractual framework governing the use of the OXLY platform (the “Platform”) operated by IN SPOT SLU, a company organized under the laws of the Principality of Andorra, with registered office at Carretera d’Engolasters 27A 2-1, Andorra, tax / registration number L-919089-T (“OXLY,” “Company,” “we,” “us,” or “our”).

This Policy applies to all users of the Platform, including without limitation:

• visitors;
• Customers;
• Providers;
• Employees;
• Admin users;
• any person or entity using OXLY profiles, listings, service cards, messaging tools, booking tools, payment-related flows, support channels, or related features.

This Policy supplements the Terms of Platform Use, the Payments & Payout Terms, the Fees & Pricing Transparency Policy, the Provider Terms, the Booking, Cancellation & Refund Policy, the Messaging, Reviews & Ratings Policy, the Acceptable Use & Prohibited Activities Policy, the Community Standards, and any other applicable OXLY policies. If there is a conflict between this Policy and a more specific rule shown in the product for a particular category or feature, the more specific rule will control for that feature to the extent permitted by law.

By using the Platform, contacting another user through the Platform, creating or responding to a listing, initiating or accepting a Booking, or participating in any Platform-originated transaction, you agree to this Policy.

1. Purpose of This Policy

The purpose of this Policy is to protect:

• users from fraud and hidden charges;
• the integrity of bookings and payment-related flows;
• moderation, complaint, and refund mechanisms;
• trust and safety processes;
• platform fee integrity;
• compliance with payment-provider, legal, and operational requirements.

OXLY is designed to keep discovery, communication, booking, pricing, complaint handling, and payment-related activity within the Platform wherever the Platform requires it.

2. Core Rule

Users must not use the Platform to initiate, negotiate, redirect, complete, or conceal a transaction outside the Platform where the Platform requires that the relevant communication, booking, payment, refund, or dispute-handling step occur through the Platform.

This includes both direct and indirect circumvention.

3. What Counts as an Off-Platform Transaction

An Off-Platform Transaction includes, without limitation:

• asking a Customer to pay in cash, by direct bank transfer, by card terminal, by payment app, by crypto, by invoice, by gift card, or by any other off-platform means where the Platform requires in-platform payment;
• asking a user to cancel or avoid an in-platform Booking and complete the same deal privately;
• asking a user to continue the transaction through WhatsApp, Telegram, Signal, SMS, email, Instagram, phone, social media, or another external channel for the purpose of bypassing Platform controls;
• moving a Platform-generated lead into an external payment or booking flow in order to avoid OXLY fees, moderation, refund rules, documentation, trust checks, or complaint handling;
• collecting undisclosed deposits, retainers, or mandatory prepayments outside the Platform where those amounts should be handled or disclosed through the Platform;
• using side payments, split payments, or hidden payment arrangements to avoid Platform requirements.

4. Prohibited Conduct

Users must not, directly or indirectly:

• request or accept cash payments for a Platform-originated transaction where in-platform payment is required;
• request or accept direct bank transfers for a Platform-originated transaction where in-platform payment is required;
• request or accept off-platform payment app transfers for a Platform-originated transaction where in-platform payment is required;
• ask another user to continue the same transaction on WhatsApp or another external messaging app in order to bypass Platform booking, support, pricing, or payment rules;
• post phone numbers, email addresses, bank details, or payment links for the purpose of diverting transactions off-platform before required Platform steps are completed;
• cancel a Booking and recreate the same deal privately to avoid fees or controls;
• demand hidden or extra payment outside the Platform after an in-platform Booking is initiated or confirmed;
• disguise the true nature of a transaction to avoid processor restrictions, category restrictions, moderation, or safety review;
• use the Platform merely as a lead-generation tool while systematically closing the same transactions off-platform in violation of Platform rules.

5. Exchange of Contact Information

Where the Platform requires pre-booking communication to remain in-platform, users must not exchange:

• phone numbers;
• personal email addresses;
• social-media handles;
• external chat links;
• payment details;
• booking links to external systems;
• other direct contact channels

for the purpose of bypassing the Platform’s required booking, payment, pricing, moderation, or trust flows.

Where the Platform expressly permits limited contact exchange after a Booking is confirmed and such exchange is reasonably necessary to perform the service, users may do so only within the limits permitted by the Platform and applicable law.

6. Payments Outside the Platform

Unless the Platform expressly states otherwise for a specific category, feature, or jurisdiction, payments relating to Platform-originated transactions must not be requested, accepted, or routed outside the Platform where the Platform requires in-platform payment.

This includes, without limitation:

• cash;
• direct transfer;
• card-link payment;
• payment link sent in chat;
• external invoice;
• private QR payment;
• crypto transfer;
• peer-to-peer wallet transfer;
• “pay later privately” arrangements;
• split settlements designed to reduce or evade Platform visibility or fee treatment.

A user must not tell another user that paying outside the Platform is “easier,” “cheaper,” “more secure,” or “required” if that statement is false or is being used to bypass Platform rules.

7. Booking, Refund, and Support Protections

Where users move a transaction off-platform in violation of this Policy, OXLY may be unable or unwilling to provide the same level of support, refund handling, complaint review, payment protection, or trust and safety assistance that may otherwise be available for compliant in-platform transactions.

Users acknowledge that taking a Platform-originated transaction off-platform may limit or eliminate:

• refund review options;
• payout protection measures;
• chargeback-related review support;
• booking evidence integrity;
• moderation and enforcement context;
• trust and safety protections;
• platform credits, discounts, or promotional eligibility tied to in-platform completion.

8. Hidden Fees and Side Payments

Users must not use off-platform channels to impose:

• hidden fees;
• mandatory surcharges;
• undisclosed deposits;
• after-the-fact travel charges;
• unlisted emergency charges;
• payment method surcharges not disclosed through the Platform;
• side payments for booking confirmation, faster response, better ranking, guaranteed acceptance, or review suppression.

Any mandatory amount connected to a Platform-originated transaction must be properly disclosed through the Platform where the Platform requires such disclosure.

9. Exceptions

A payment, charge, or contact exchange will not be treated as prohibited under this Policy only if one of the following applies:

• the Platform expressly allows it in the relevant product flow;
• the Company has expressly authorized it in writing for the relevant category, jurisdiction, or account type;
• applicable law requires a specific off-platform collection or disclosure method;
• the amount relates to a legally required charge or permitted operational charge that is clearly disclosed and specifically allowed by the Platform.

Users bear the burden of showing that an exception applies.

10. Provider Responsibility

Providers must not use the Platform as a funnel to capture users and divert them into private channels for the purpose of:

• avoiding OXLY fees;
• avoiding payout reserves or payment review;
• bypassing trust and safety protections;
• bypassing refund rules;
• avoiding visibility of the real commercial terms;
• concealing prohibited or higher-risk services.

A Provider remains responsible for the acts of their staff, assistants, subcontractors, employees, and agents in connection with off-platform diversion.

11. Customer Responsibility

Customers must not knowingly participate in off-platform circumvention where the Platform requires in-platform booking or payment.

This includes, without limitation:

• agreeing to pay a Provider privately after discovering them on the Platform in order to avoid Platform controls;
• sharing contact information to help the Provider bypass required flows;
• asking a Provider to “do the same deal outside the app” to avoid fees or policy restrictions;
• participating in staged cancellations or side arrangements to defeat Platform rules.

A Customer who participates in such circumvention may also lose Platform protections and may face account action.

12. Prohibited Solicitation and Lead Diversion

Users must not use listings, profiles, descriptions, reviews, or messages to solicit users to transact elsewhere.

Prohibited conduct includes, without limitation:

• “Contact me on WhatsApp for a better price”;
• “Pay me directly and I’ll cancel here”;
• “Book here but settle outside”;
• “Call me to avoid platform fees”;
• posting booking links to another scheduler for the same service after discovery on OXLY;
• directing users to an external website, landing page, payment page, or social profile for the purpose of completing the same transaction outside the Platform.

13. Detection and Monitoring

OXLY may use automated and manual methods to detect possible off-platform circumvention, including review of:

• message content and metadata;
• suspicious contact-sharing patterns;
• payment anomalies;
• repeated booking cancellations followed by external contact patterns;
• complaints from users;
• account-linkage and device patterns;
• listing text and profile content;
• repeated “quote outside platform” behavior;
• fraud and abuse signals.

To the maximum extent permitted by law, such monitoring may be used for trust and safety, anti-fraud, policy enforcement, refund review, and Platform integrity.

14. Reporting Off-Platform Requests

Users are encouraged to report suspected off-platform requests or side-payment demands through Platform tools where available or via:

• help@oxly.eu
• a.samoylov@inspot.ad

A report should include, where reasonably possible:

• screenshots;
• the relevant Booking, listing, or message thread;
• the date and context;
• the payment method requested;
• the contact details or external channels proposed;
• any other supporting evidence.

15. Protective Measures and Evidence Preservation

Where the Company reasonably suspects a violation of this Policy, the Company may, to the maximum extent permitted by law and the relevant payment framework:

• pause or cancel a Booking;
• remove or hide a listing or service card;
• restrict messaging;
• disable payment functionality;
• delay, freeze, reserve, offset, or withhold payouts;
• suspend or terminate badges or trust signals;
• suspend or terminate an account;
• preserve records, messages, metadata, and other relevant evidence;
• issue refunds or payment-protective measures where appropriate.

16. Immediate Action for Serious Violations

Although OXLY will generally seek to issue a warning where reasonably practicable, the Company may take immediate action, with or without prior notice, where it reasonably considers it necessary because of:

• repeated off-platform diversion;
• side-payment schemes;
• payment fraud;
• hidden charges;
• prohibited services;
• chargeback abuse;
• money-laundering risk;
• legal or payment-provider risk;
• urgent trust and safety concerns.

Immediate action may include:

• immediate delisting;
• immediate account suspension;
• immediate payout freeze;
• immediate disablement of booking or payment features.

Airbnb’s public policy framing is similarly explicit that attempts to pay or communicate outside required platform channels reduce protections and may violate platform rules.

17. Consequences of Violation

A violation of this Policy may lead to one or more of the following:

• warning;
• content removal;
• listing restriction;
• category restriction;
• booking restriction;
• payment restriction;
• loss of promotional eligibility;
• loss of badges or trust status;
• refund or payout adjustments;
• permanent account suspension or termination;
• referral to payment providers, fraud teams, or competent authorities where appropriate.

18. No Guarantee of Recovery for Off-Platform Payments

If a user makes a payment outside the Platform in violation of this Policy, OXLY does not guarantee recovery of funds, refund assistance, dispute success, or operational support equivalent to that available for compliant in-platform transactions.

OXLY may still review conduct and take enforcement action, but the user who moved the payment off-platform assumes additional risk.

19. Appeals

If action is taken against your account, listing, payment functionality, or payout access under this Policy, you may request review or appeal through the process made available by the Company.

Submitting an appeal does not guarantee reversal. The Company may uphold, modify, or reverse its original decision in its discretion, subject to applicable law.

20. No Waiver of Other Rights

This Policy does not limit the Company’s rights under any other applicable OXLY policy, including the right to:

• enforce prohibited-services rules;
• review fraud or abuse;
• restrict payment flows;
• withhold or reserve funds;
• remove deceptive content;
• suspend unsafe or non-compliant users.

21. Changes to This Policy

The Company may update this Policy from time to time.

If material changes are made, the Company may notify users by:

• posting the updated version on the Platform;
• updating the Effective Date or Last Updated date;
• email notice;
• in-app notice;
• account notice; or
• another reasonable communication method.

Continued use of the Platform after the effective date of the revised Policy constitutes acceptance of the updated version.

22. Governing Law and Jurisdiction

This Policy is governed by and shall be interpreted in accordance with the laws of the Principality of Andorra, without regard to conflict-of-law principles.

Any dispute arising out of or in connection with this Policy shall be submitted to the competent courts of Andorra, unless mandatory consumer protection law requires otherwise.

23. Contact

IN SPOT SLU

Carretera d’Engolasters 27A 2-1, Andorra

Tax / Registration No.: L-919089-T

Operational support: help@oxly.eu

Legal contact: a.samoylov@inspot.ad