This Payments Policy (“Policy”) governs all payments made through the Natty Hatty platform (“Platform”), including registrations, bookings, tryouts, events, memberships, camps, clinics, leagues, tournaments, waivers, and all other payment-based services offered by facilities, organizations, teams, or operators (“Organizations”).

By using Natty Hatty, Organizations and Users agree to these Payment Terms.

Natty Hatty partners with Stripe, a PCI-DSS Level 1 certified provider, to process all card and ACH payments. Natty Hatty does not store or handle sensitive card data.

1. Stripe Relationship

Natty Hatty uses Stripe for:

• Credit/debit card payments

• ACH payments

• Payouts

• PCI-DSS compliance

• Identity & banking verification (KYC)

Organizations must complete Stripe onboarding before accepting payments.

Natty Hatty integrates Stripe onboarding directly into the Organization onboarding flow for convenience and compliance.

2. Fees & Disclosures

Natty Hatty charges three categories of fees.

2.1 Platform Fees (per transaction)

For any transaction processed on Natty Hatty:

• Natty Hatty charges Platform Fees.

• The Organization receiving the payout is responsible for:

• Natty Hatty Platform Fees

• Stripe processing fees

• Any applicable ACH, dispute, or bank fees

These fees are deducted from payouts automatically.

However, they are also automatically incorporated into the applicable fees charged to end users for the Organization’s convenience.

2.2 Subscription Fees (Platform, Business Center, Signature)

Natty Hatty offers optional monthly or yearly subscriptions.

• Subscription fees are non-refundable, even if the Organization cancels early or stops using the platform.

• Access remains active until the end of the paid billing period.

• Renewal occurs only if the Organization chooses to continue.

Special Case — Business Center Subscription Cancellation

If canceled:

• Access may extend beyond the subscription end if the Organization still has active events scheduled.

• To stop access exactly at the subscription end date, all events must be removed from the calendar beforehand.

2.3 Convenience Fee Structure

2.3.1 Seamless Checkout (Customer Platform + Signature Together)

If Natty Hatty Customer App and Natty Hatty Signature are used in one continuous checkout flow:

• A single convenience fee may be charged once per applicable document validity period (e.g., annual or seasonal waiver).

2.3.2 Signature Used Outside the Customer Platform

If payments are made outside Natty Hatty but Signature is used:

• A convenience fee is charged per transaction.

3. Refund Rules

Refunds are controlled by the Organization. Natty Hatty does not decide eligibility.

3.1 Organization Refund Obligations

Organizations must:

• Provide refund policies clearly

• Communicate them to end users

• Process refunds through Natty Hatty’s dashboard

• Follow consumer protection laws

3.2 No Refund Guarantee by Natty Hatty

Natty Hatty does not:

• Issue refunds

• Force Organizations to refund

• Mediate refund disputes

3.3 Refund Method

• Refunds go to the original payment method

• Based on Stripe’s settlement timelines

3.4 Additional Refund Fee Rules

If an Organization chooses to refund:

• Stripe processing fees and

• Natty Hatty Platform Fees

➡️ The Organization will be charged:

• The refunded balance amount

• Stripe processing fee

• A 1% administrative fee on the refunded amount — minimum $1, maximum scaled to the amount refunded

3.5 Refund Collateral Rule

If refunds exceed $1500 within 7 days:

• Stripe will hold funds

• Natty Hatty will debit the Organization’s connected bank account

• Natty Hatty will hold that amount as collateral until Stripe completes its review

4. ACH Payments

• ACH clears in 3–5 business days

• Organizations must wait for settlement

• Failed ACH payments may incur fees

• Natty Hatty is not responsible for bank return fees

5. Chargebacks & Disputes

5.1 User Disputes

If a User disputes a payment:

• Stripe freezes the disputed amount

• Stripe charges a $15 dispute fee

• Natty Hatty also charges $15 per dispute

• Organizations must provide supporting evidence

• Stripe decides the outcome

Natty Hatty cannot override Stripe determinations.

5.2 Organization Responsibilities

Organizations must:

• Maintain accurate documentation

• Respond promptly

• Accept liability for unauthorized or insufficiently documented charges

5.3 Natty Hatty Liability

• Natty Hatty is not liable for:

• Chargebacks

• Fraud

• Bank reversals

• Losses due to unauthorized use

6. Payment Authorization & Charging Cards on File

Users authorize:

• Charges displayed

• Recurring payments

• Platform Fees

• Secure token storage via Stripe

6.1 Misuse of Card on File — Strict Penalty

Charging a saved payment method without proper customer authorization results in:

• $500 misuse penalty

• Mandatory full reimbursement to the User:

• Stripe processing fee

• Natty Hatty Platform Fees

• 1% convenience fee

• Natty Hatty may cancel the Organization’s subscription

• Natty Hatty may terminate all services immediately

Zero tolerance.

6.2 Do Not Sell / Share & GPC

Natty Hatty honors:

• Global Privacy Control (GPC) signals

• Do Not Sell/Share requests

as valid opt-outs under applicable privacy laws (e.g., CPRA).

This applies to any personal information processed within payment and checkout flows.

7. Installments & Memberships

Organizations may offer installment plans.

• Users authorize recurring charges

• Stripe retries failed payments

• Organizations may pause access

8. Payouts to Organizations

• Payouts go to the Organization’s connected Stripe account

• Timing: 2–7 business days

• Holds: Based on Stripe’s risk controls

• Negative balances: Stripe may debit the Organization’s bank account

Natty Hatty cannot override Stripe holds.

9. Wallets, Credits & Stored Value

Natty Hatty does not operate a wallet at this time.

Future functionality will be reflected in this section.

10. Errors & Processing Failures

Organizations must report:

• Duplicate charges

• Fee misapplications

• Outage-related failures

Natty Hatty investigates using audit logs, Stripe events, and device/IP signatures.

11. Fraud Prevention

Natty Hatty uses:

• Device fingerprinting

• IP checks

• Audit logs

• Signature verification

Natty Hatty may restrict or pause transactions.

Organizations remain financially liable for fraudulent transactions.

12. Taxes

Organizations must configure, collect, report, and remit taxes independently.

Natty Hatty does not remit taxes on behalf of Organizations.

13. Data Security & Compliance

All transactions comply with:

• TLS 1.2+ encryption

• AES-256 data-at-rest encryption

• PCI-DSS Level 1 (via Stripe)

• ESIGN / UETA / eIDAS

• COPPA

• CPRA

Audit logs and signature histories are immutable.

14. Policy Updates

Natty Hatty may update this Policy periodically.

A new Effective Date will appear when updates occur.

15. Contact

Payments, Billing & Chargebacks:  support@nattyhatty.com

Prohibited Use