This Refund Policy (“Policy”) applies to all payments made through the Natty Hatty Platform, including programs, registrations, memberships, bookings, tryouts, tournaments, Signature documents, and subscription products.

Natty Hatty processes payments through Stripe and does not store full card data.

1. Natty Hatty Does Not Control Refund Eligibility

Natty Hatty is not the seller or operator of any program.

Organizations exclusively determine refund eligibility.

Natty Hatty does not:

• Decide refund terms

• Intervene in disputes

• Override Organization decisions

• Guarantee refunds

2. How Refunds Are Processed

Refunds must be initiated via the Natty Hatty Business Center.

Refunds return to the original payment method only.

Natty Hatty cannot issue refunds directly.

3. Signature Convenience Fees Are Non-Refundable

Signature and convenience fees are non-refundable, regardless of:

• Program cancellation

• Participant withdrawal

• Event changes

• Refunds issued by Organizations

The signature service is fully delivered at the time of signing.

4. Subscription Fees & Overage Fees Are Non-Refundable

4.1 Subscription Fees

The following are strictly non-refundable:

• Natty Hatty Business Center subscriptions

• Natty Hatty Signature subscriptions

• Monthly and annual plans

• Renewal charges

• Add-on modules

• Platform subscription fees of any kind

No refunds are provided for:

• Early cancellation

• Inactivity

• Non-use

• Partial months

• Account closure

4.2 Overage Fees

If an Organization exceeds Signature limits or usage-based caps:

• Overage fees are automatically charged

• Overage fees are non-refundable, regardless of later cancellation

4.3 Standard Subscription Cancellation Rule

Upon cancellation:

• The subscription remains active through the end of the paid period

• No prorated refunds are provided

• Usage-based charges (including Signature overages) may still apply until the end of the billing cycle

4.4 Business Center Subscription Cancellation Does NOT Guarantee No Further Charges

Cancelling the Business Center subscription does NOT guarantee that the Organization will avoid charges at the end of the billing cycle.

Organizations may still be billed if:

• Active events remain on the calendar

• End User obligations (registrations, sessions, bookings, or commitments) remain unfulfilled

• Programs or events have not been cancelled

• Signature usage or overage triggers occur prior to subscription end

• Any activities continue that generate Platform fees

To prevent further charges, Organizations must:

• Cancel or remove all events from their calendar

• Complete or cancel all End User commitments

• Prevent any additional Signature or usage-based triggers

• Ensure no new transactions occur within the billing cycle

If events or commitments remain active, charges are:

• Valid

• Final

• Non-refundable

Natty Hatty is not responsible for charges caused by Organization failure to close out obligations.

5. Platform Fees, Stripe Fees & Administrative Fees

5.1 Program Fee Refunds Only

Natty Hatty Platform Fees and Stripe fees are not refunded.

5.2 Refunding Stripe + Platform Fees

If an Organization chooses to refund both Stripe fees and Platform Fees, Natty Hatty charges:

• The refunded balance

• Stripe fee

• 1% administrative fee (min $1)

6. Refund Collateral Threshold

If more than $1500 is refunded within 7 days:

• Stripe may hold funds

• Natty Hatty may debit the Organization’s bank account

• Natty Hatty holds collateral until Stripe resolves the review

7. Refund Timing

Refund timing is determined by banks and card networks.

Typical timeframes:

• Credit/Debit: 5–10 business days

• ACH: 5–7 business days

• International: up to 14 days

8. Refund Method

Refunds must return to the original payment method.

Alternate refund methods are not supported.

9. Credits-Based Refunds

Card portion returns to the original payment method.

Credits may be reissued if the Organization allows.

Natty Hatty does not determine credit eligibility.

10. Card-on-File Misuse

Unauthorized card-on-file charges result in:

• $500 penalty

• Full reimbursement

• Stripe fee reimbursement

• 1% administrative fee

• Possible account termination

11. Chargebacks & Disputes

• Stripe freezes disputed funds

• Stripe charges $15

• Natty Hatty charges an additional $15

• Organizations must submit evidence

• Stripe decides the outcome

• Natty Hatty cannot override Stripe.

12. Fraud Prevention

Natty Hatty may restrict payout or refund activity during fraud or abuse reviews.

Organizations remain liable for all fraudulent charges.

13. Natty Hatty Does Not Issue Refunds

Natty Hatty does not:

• Issue refunds

• Override transaction outcomes

• Intervene in Organization policies

Refund requests must be made to the Organization.

14. Policy Updates

Natty Hatty may update this policy.

A new Effective Date will be posted.