[shwekhaw]

I suggest everyone install this. X-cart should implement this in coming versions. here is why
I have credit dispute over $300 and customer claim he does not know Return policy.
I took screenshot of "Clicking submit button I agree etc.. " the original agree sentence that without check box.
Bank sent a letter back to me and decide in favor of card holder saying, I do not have any check box to click that says I agree or I accept.

So I lost over $300.