Its up to you if you want to provide full customization to the customer or just a rasterized layer.
they might not accept this model photo, pick something more public oriented, and they might ask you to change the typography layout.
I believe Microlancer will be the answer to all you elite needs and i truly hope that wont led to death of graphicriver
Live and let live , Learn and Earn
C’mon many poor quality files thats exaggerating, the files are not sneaking , trust me , they are giving a helping hand to new authors.
and beside CONTRAST makes more sales to experienced authors Rules of design 
CarlosViloria saidits not about selling rather than about teaching the skill to a new authors growing a new cult, new blood, new ideas then the money will flow and skilled authors shouldn’t be bothered with new authors cause you are the riches.
DesignRiver saidencouraging and motivating? to see how it does not sell any of their items because of the poor quality of their portfolio?
Amrhamza saidIt’s True
I believe they are encouraging and motivating new authorsbut please check this (item) I agree with mucahitgayiran, because it’s not quality file..lol
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I believe they are encouraging and motivating new authors
don’t make examples of other authors not cool bro
trasnparent area means in photoshop no paper or no print, so when your item goes to printer that bleed are that you left doesn’t exist, you need to extend the background layer or your main paper layer to an extra 0.25 inches.

but please check this (item) I agree with mucahitgayiran, because it’s not quality file..lol