We lost a case to Amex.. On a 25% restocking fee.. because we couldn't show proof that they Accepted the terms of service..
Even telling them they can't check out without agreeing to it.. made no different.. How could we ever get to something where we can show Proof..
it is stored in the database in table Table: #__virtuemart_order_userinfos
2 fields -> tos and agreed
and it is stored plain without reference and not changeable by normal GUI afterwards, so actually it should count as proof
It is almost impossible to prove that, at the point an order was completed, the TOS was required and had been accepted.
Why is that:-
1. You can change your TOS
2. You can reconfigure your platform
3. You can modify/manipulate the database directly
Unfortunately this will be the case for most platforms and you will have to put it down to the cost of doing business.
You should however progress with you payment service provider their requirements as to what would be an acceptable business process that they would accept in the future.