Item Instock operates as a secure ecommerce and payment-enabled platform. To support payment processing, wallet balances, payouts, and fund transfers, Item Instock works under applicable money transmission and financial services regulations in supported jurisdictions.

Where required by law, Item Instock and/or its licensed payment partners are registered or licensed as Money Transmitters or Money Services Businesses (MSB) in various U.S. states and jurisdictions. These licenses authorize Item Instock to facilitate payments between buyers and vendors, hold funds temporarily, and process withdrawals in compliance with local financial regulations.

Licensing requirements, regulatory oversight, and consumer protections vary by jurisdiction. In states where money transmitter licensing applies, Item Instock complies with applicable statutes governing the transmission of funds, sale of payment instruments, fraud prevention, record-keeping, and customer protection.

If you have a question, concern, or complaint regarding a transaction processed on Item Instock, we recommend first contacting Item Instock Support through the Help Center for prompt resolution.

If an issue remains unresolved, customers may also have the right to contact their state or local financial regulatory authority, such as a Department of Banking, Department of Financial Institutions, or equivalent regulator, depending on their place of residence.

Where applicable by law, customers may be entitled to a refund if funds are not transmitted within the legally required timeframe or if transaction instructions are not properly executed, subject to the terms of Item Instock’s User Agreement.

Item Instock continually reviews regulatory requirements and maintains appropriate registrations or partnerships to ensure safe, compliant, and reliable payment services for vendors and customers.