1. How Payments Work

All payments submitted through Natty Hatty–hosted public pages use:

• ✓ Stripe, Inc.

• — PCI-DSS Level 1 certified

• ✓ Tokenized payment methods

• (Natty Hatty never stores full card numbers)

• ✓ Secure checkout hosted on Natty Hatty

Natty Hatty processes payments on behalf of the Organization, not on behalf of Natty Hatty itself.

Funds are delivered to the Organization that created the program.

2. Fees You May See at Checkout

Depending on how the Organization has configured their page, you may see:

2.1 Program Fees

Amounts set by the Organization (not Natty Hatty).

2.2 Platform Fees

Natty Hatty charges the Organization a platform fee per transaction.

Organizations may pass these fees to customers, and they may appear combined or itemized.

2.3 Stripe Processing Fees

Stripe applies card and ACH processing fees.

These may be included in your total fee if charged through the Organization.

2.4 Convenience Fee (Signature + Checkout)

If the Organization uses Natty Hatty Customer Platform + Signature in a single flow:

• A single convenience fee may be charged per document validity period (e.g., seasonal/annual waivers).

If Signature is used outside the Customer Platform checkout:

• A convenience fee may be charged per transaction.

All fees are shown clearly at checkout.

3. Refunds

3.1 Organizations Control All Refunds

Refunds are not decided by Natty Hatty.

Refund policies are set by each Organization.

You must contact the Organization directly for:

• Refund requests

• Policy questions

• Program cancellations

• Accident or illness credit requests

3.2 Natty Hatty Does Not Issue Refunds

Natty Hatty:

• Does not determine refund eligibility

• Does not reverse charges

• Does not mediate refund disputes

• Does not guarantee Organization refund policies

3.3 Refunds Are Returned to the Original Payment Method

Stripe processes any approved refund back to the same card or bank account used.

3.4 Additional Refund Fee Rules (If Organization Refunds Platform/Processing Fees)

If an Organization elects to refund:

• Stripe processing fees, and

• Natty Hatty platform fees

Then the Organization pays:

• The refunded balance

• Stripe’s processing fee

• A 1% administrative fee (min $1, max based on total)

Customers will see the refunded amount according to the Organization’s policy.

4. Payment Authorization & Cards on File

By completing a payment on Natty Hatty–hosted pages, you authorize:

• The charge displayed at checkout

• Any recurring charges for payment plans (if applicable)

• The use of tokenized payment credentials stored securely by Stripe

Strict Policy Against Unauthorized Charges

Organizations may only charge saved payment methods with proper authorization.

If an Organization charges a card without authorization:

• Natty Hatty reserves the right to immediately cancel the Organization’s services

• The Organization must refund you in full

• Additional penalties may apply to the Organization

If you believe an unauthorized charge occurred, contact:

5. Chargebacks & Disputes

5.1 Stripe Chargeback Rules Apply

If you dispute a charge with your bank:

• Stripe freezes the disputed amount

• Stripe charges a $15 dispute fee

• Natty Hatty also charges Organizations an additional $15 dispute fee

5.2 Evidence

Organizations must provide documentation to Stripe.

Stripe makes final decisions — Natty Hatty cannot override them.

5.3 Customer Responsibility

You should always:

• Review program details

• Ensure guardianship/participant information is correct

• Contact the Organization first for resolution

6. Payment Plans & Memberships

Some Organizations offer:

• Monthly or seasonal plans

• Split payments

• Auto-billing memberships

By enrolling, you authorize:

• Recurring charges

• Automated retries by Stripe

Organizations may pause services if payments fail.

7. Taxes

Taxes (sales tax or program-specific taxes):

• Are set by the Organization

• Are remitted by the Organization

• Are included in your checkout total if applicable

Natty Hatty does not calculate or remit taxes.

8. Payment Security

Natty Hatty uses:

• TLS 1.2+ encryption

• AES-256 encryption of stored data

• PCI-DSS compliant tokenization via Stripe

• Fraud detection

• IP + device verification on signature flows

• Immutable audit trails for documents tied to payment flows

Natty Hatty never stores:

• Full card numbers

• CVV codes

• Stripe secret keys

9. Signature + Payment Combined Flows

If you complete a signature as part of a payment checkout:

• Your signature is collected on Natty Hatty Signature pages

• Audit trails are created

• Signatures are shared only with the Organization

• Signature data is never sold or shared

These are governed by ESIGN, UETA, and eIDAS compliance standards.

10. Errors & Transaction Failures

If you experience:

• Duplicate charges

• Failed payments

• Technical errors

• Incorrect fee calculation

Contact:

We will investigate using audit logs and Stripe event logs.

11. Fraud Prevention

Natty Hatty may restrict or pause payments due to:

• Fraud risk

• Suspicious activity

• Payment disputes

• Violation of Terms

Organizations remain responsible for fraudulent charges or misuse of cards-on-file.

12. Customer Rights

You may request:

• Access to your payment-related data

• Correction of inaccurate data

• Deletion (subject to limitations; program or signature obligations may require retention)

Submit requests to:

13. Policy Updates

Natty Hatty may update these Website Payments Terms periodically.

The “Effective Date” above will reflect the newest version.

14. Contact

For billing or payment questions: