Payment Terms & Refund Policy

1. Platform Marketplace Function

Village Haven operates solely as a technology marketplace that enables Users and independent Service Providers to identify one another and enter into service arrangements directly.

Village Haven does not provide services, employ Service Providers, supervise performance, or control how services are delivered. Village Haven is not a party to agreements formed between Users and Providers and does not guarantee performance, safety, legality, or service outcomes.

All service obligations and service pricing arise directly between Users and Providers, who transact independently and at their own discretion.

The Platform Fee is a fee charged by Village Haven to Households for access to, use of, and benefits of the Platform (including technology, trust & safety features, support resources, and fraud prevention). The Platform Fee is separate from and in addition to the Provider Fee owed to the Provider for services.

2. Payment Processing and Fund Flow

Payments arising from service engagements are processed through independent third-party payment processors, including Stripe Connect or comparable providers ("Payment Processor").

In connection with engagements arranged through the Platform:

• A.Payment authorization is obtained via the Payment Processor;
• B.Funds are transmitted and temporarily held by the Payment Processor; and
• C.Payment is released to the Provider upon confirmation that services have been completed, in an amount equal to the full Provider Fee (subject to any Payment Processor processing fees, reversals, disputes, chargebacks, or holds imposed by the Payment Processor, and subject to any Household-approved promotional discount funded by the Provider, if any).

Village Haven does not hold funds as a bank, escrow agent, trustee, or money transmitter and does not control the internal operations or dispute decisions of Payment Processors.

All payment transactions remain subject to Payment Processor terms and dispute procedures.

At no time does Village Haven take possession or control of the Provider Fees in a manner that makes Village Haven a custodian or escrow for Users and all funds flow through Payment Processor infrastructure between Users and Providers (for Provider Fees) and between Users and Village Haven (for Platform Fees), subject to these Payment Terms and the Payment Processor's rules.

By placing a booking, the Household authorizes the Payment Processor to charge the Household's selected payment method for (i) the Provider Fee and (ii) the Platform Fee, and to route the Provider Fee to the Provider's connected account and the Platform Fee to Village Haven, in each case as implemented by the Payment Processor.

Any references to "hold," "release," or "temporarily held" describe Payment Processor functionality only and do not create an escrow, fiduciary, or trust relationship.

3. Platform Fees

3.1 Platform Fee. Village Haven charges Households a platform fee (the "Platform Fee") for each engagement booked through the Platform. The Platform Fee is currently 15% of the Provider Fee, unless a different amount is displayed at checkout.

3.2 Provider Receives Full Provider Fee; Platform Fee Not Deducted. Providers receive the full Provider Fee for completed engagements (subject to Payment Processor rules, disputes/chargebacks, and holds). The Platform Fee is separately charged to the Household and is not deducted from the Provider Fee or Commission. The amount displayed as the Provider's price is the Provider Fee.

3.3 Clear Disclosure Before Purchase. The Platform Fee and the total amount the Household will be charged (Provider Fee + Platform Fee, plus any applicable taxes) will be disclosed before the Household authorizes payment. Households are responsible for reviewing and confirming these amounts at checkout.

3.4 What the Platform Fee Supports. The Platform Fee supports technology infrastructure, trust and safety processes, fraud prevention, dispute support tools, customer support operations, and Platform maintenance and improvement.

3.5 Changes to Platform Fee. Village Haven may change the Platform Fee from time to time. Any changes apply prospectively only and will be presented clearly at checkout before the Household authorizes any new payment.

4. Service Pricing Independence

Service Providers independently establish pricing, availability, and service terms.

Village Haven does not determine service prices, negotiate compensation, or guarantee payment outcomes. Users and Providers are solely responsible for agreeing upon compensation and honoring payment obligations.

The amount displayed as the Provider's price is the Provider Fee. The Household's total price will include the Platform Fee and will be displayed prior to payment authorization.

5. Service Completion and Payment Release

Payments are ordinarily released to Providers after service engagements are marked complete through Platform workflows or confirmed directly by the participating Users and Providers. Village Haven does not supervise, evaluate, or determine whether services were properly performed and relies solely on confirmations provided by transacting parties.

Users and Providers are responsible for accurate completion confirmations.

Village Haven may review completion status where fraud or misuse is suspected but is not obligated to adjudicate service quality disputes or determine payment entitlement.

Unless otherwise stated in the booking flow, an engagement will be treated as complete when (i) the Household confirms completion in the Platform, or (ii) the engagement end time passes and no dispute is opened within 48 hours, whichever occurs first.

IF a dispute is opened, the Payment Processor may delay payout, reverse a payout, or place a hold or reserve consistent with its rules. Village Haven may, where available through the Payment Processor, request or apply holds to mitigate fraud risk, but Village Haven does not control the Payment Processor's final decisions.

6. Refunds and Payment Disputes

6.1 Provider services; Village Haven's role. Providers are independent third parties. Village Haven does not guarantee service quality or outcomes and is not responsible for Provider performance.

6.2 Platform Fee is generally non-refundable after booking. Except as required by law or as expressly stated in these Payment Terms or at checkout, the Platform Fee is non-refundable once a booking is placed because it relates to Platform access, matching, support operations, and fraud/safety resources.

6.3 Provider Fee refunds are set by the Provider; default rule. Any refund of Provider Fees is determined by the Provider (or by the Payment Processor through its dispute/chargeback process) unless a different Provider cancellation/refund policy is displayed at booking. Default: if the Provider does not show up or cancels within 24 hours of the scheduled start time, the Household may request a refund of the Provider Fee for that engagement through the Platform dispute process; Village Haven may facilitate communication and, where Payment Processor tools allow, may facilitate a refund, but the Payment Processor's rules control.

6.4 Household cancellations. If the Household cancels or does not appear as agreed, the Provider may be entitled to all or part of the Provider Fee depending on the Provider's cancellation policy shown at booking (or, if none is shown, a default policy displayed in the checkout flow). The Platform Fee will not be refunded except as required by law.

6.5 How to open a dispute. To open a dispute, the Household or Provider must submit a dispute through the Platform within 7 days of the scheduled end time (or such shorter period as required by the Payment Processor for card disputes). The dispute submission must include: (i) booking details, (ii) description of issue, (iii) requested resolution, and (iv) relevant evidence (messages, photos where appropriate, receipts where applicable).

6.6 Platform facilitation; no adjudication obligation. Village Haven may facilitate communications and may provide a proposed resolution workflow, but is not required to adjudicate disputes and does not guarantee any particular outcome.

6.7 Chargebacks and Payment Processor disputes control. If a Household initiates a chargeback or Payment Processor dispute, that process and outcome is governed by the Payment Processor and the card network rules. A chargeback may result in reversal of the Provider payout and/or reversal of the Platform Fee, and the Payment Processor may also impose fees or reserves. Users agree to cooperate in good faith with information requests from Village Haven and the Payment Processor.

6.8 Fraud and abuse. Village Haven may deny refund requests and may suspend or terminate accounts where it reasonably believes refund abuse, payment fraud, collusion, or policy violations occurred.

6.9 California nonwaivable rights. Nothing in these Payment Terms limits any consumer rights that cannot be waived under applicable law, including California law (including, where applicable, the Consumers Legal Remedies Act). If a refund is required by law in a given circumstance, Village Haven will provide it.

7. Subscription Billing and Cancellation

Where subscription or membership features are offered:

• A. Billing occurs automatically according to the billing cycle selected at enrollment;
• B. Users may cancel subscriptions through accessible account settings; and
• C. Cancellation prevents future billing but does not automatically entitle Users to refunds for completed billing cycles except where required by law.

Village Haven endeavors to comply with applicable consumer protection and automatic renewal requirements.

For any subscription with an automatic renewal or continuous service feature offered to California residents, Village Haven will: (i) present automatic renewal terms in a clear and conspicuous manner before purchase, including amount, billing frequency, and how to cancel; (ii) obtain the User's affirmative consent to the automatic renewal terms; (iii) provide an acknowledgment (e.g., email or in-app confirmation) that includes the terms and cancellation method; (iv) provide an online cancellation mechanism that is easy to use; and (v) provide any renewal reminders required by law (including for certain free trials, promotional pricing, or annual subscriptions).

If a free trial converts to a paid subscription, Village Haven will clearly disclose when charges begin and the amount to be charged before obtaining consent.

8. California Pricing and Subscription Compliance

For Users residing in California, Village Haven complies with California consumer protection and automatic renewal laws.

Accordingly:

• A. Pricing and billing terms are clearly disclosed prior to payment authorization;
• B. Affirmative consent is obtained before recurring charges begin;
• C. Subscriptions automatically renew unless cancelled;
• D. Accessible cancellation mechanisms are provided;
• E. Billing confirmations and renewal notices are issued where required; and
• F. Deceptive or undisclosed pricing practices are not employed.

Nothing in these Payment Terms limits non-waivable consumer rights under California law.

Village Haven will not intentionally misrepresent pricing. The checkout flow will disclose the Provider Fee, the Platform Fee, and the total price before the Household confirms payment authorization.

Village Haven will not represent that the Platform Fee is included in the Provider's listed price unless the checkout display expressly states a single all-in price (and identifies any included components).

9. Taxes and Financial Reporting Responsibilities

Service Providers are solely responsible for income reporting, tax payments, and compliance with all applicable tax obligations arising from compensation received through the Platform.

Village Haven does not provide tax advice and does not withhold taxes unless required by law.

Depending on the Payment Processor configuration and applicable thresholds and rules, the Payment Processor and/or Village Haven may issue tax forms (e.g., IRS Form 1099-K or other information returns) and may request tax information (e.g., W-9) to comply with tax reporting obligations.

If required by law or if a Provider fails to provide required tax information, the Payment Processor may withhold amounts as backup withholding and remit to tax authorities. Village Haven does not control Payment Processor tax withholding decisions.

Village Haven does not determine whether sales/use tax applies to Provider services. Providers are solely responsible for determining and complying with any tax collection/remittance obligations that apply to their services, unless the Platform explicitly states otherwise.

10. Privacy and Financial Data Protection

Payment information is processed exclusively through Payment Processors, and Village Haven does not store full payment card or bank account information.

Handling of personal data remains governed by the Platform Privacy Policy, including disclosures concerning data rights, retention practices, and applicable privacy laws.

Personal information related to payment transactions is retained only for the period reasonably necessary to process transactions, prevent fraud, comply with legal obligations, and resolve disputes, consistent with the Platform Privacy Policy and applicable privacy laws.

California residents can find additional disclosures regarding categories of personal information collected (including financial-related data), purposes of use, retention criteria, and rights requests (access, deletion, correction, and opt-out of sale/sharing if applicable) in the Privacy Notice at hello@villagehaven.org.

Village Haven may receive limited payment-related information from the Payment Processor (e.g., last four digits, card brand, bank name, payout status, transaction identifiers) for customer support, fraud prevention, accounting, and dispute handling.

11. Fraud Prevention and Transaction Security

Village Haven may suspend, delay, or cancel transactions where fraud, misuse, or policy violations are reasonably suspected.

Accounts involved in payment abuse or fraudulent conduct may be restricted or terminated.

Village Haven and/or the Payment Processor may place holds, reserves, or delays on payouts or refunds to prevent fraud, comply with law, or manage risk. Any such holds are implemented through Payment Processor tools and subject to Payment Processor policies.

12. Tips and Gratuities

12.1 Optional tips. Where enabled, Households may provide an optional tip/gratuity to a Provider. Tips are voluntary and are not required to book an engagement.

12.2 Tip flow. Tips are processed through the Payment Processor and are paid to the Provider in addition to the Provider Fee, unless the Platform clearly indicates otherwise at the time the tip is submitted.

12.3 No substitution. Tips are not a substitute for the Provider Fee.

12.4 Tip disputes. Tips may be subject to the Payment Processor's dispute and chargeback rules. Village Haven may restrict tipping features where misuse or fraud is suspected.

13. Limitation of Liability

To the fullest extent permitted by law, Village Haven shall not be liable for payment disputes, service performance issues, cancellations, or conduct of Users or Providers.

Village Haven disclaims liability for indirect, incidental, consequential, special, or punitive damages arising from Platform payment activity or related transactions.

Users engage in transactions at their own risk.

This Section does not limit liability where such limitation is prohibited by law, including for fraud, willful injury, or violations of nonwaivable statutory rights.

14. Indemnification

Users and Service Providers agree to indemnify, defend, and hold harmless Village Haven and its affiliates, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, or expenses arising from service engagements, payment disputes, personal injury or property damage claims, or violations of these Payment Terms or applicable law. Including claims relating to (i) chargebacks or payment reversals initiated by a User, (ii) a User's breach of the Payment Processor terms, (iii) a Provider's tax, licensing, or reporting failures, or (iv) a User's misrepresentation or fraud.

15. Arbitration Agreement; Class Action Waiver; Opt-Out

15.1 Agreement to arbitrate. Except as provided in Sections 15.2 and 15.3, any dispute, claim, or controversy arising out of or relating to payments, fees, refunds, chargebacks, or these Payment Terms (each, a "Dispute") will be resolved by binding individual arbitration.

15.2 Small claims carve-out. Either party may bring a Dispute in small claims court if it qualifies and remains in small claims court.

15.3 Injunctive relief for misuse. Nothing prevents either party from seeking temporary injunctive relief in a court of competent jurisdiction to prevent unauthorized access, account takeover, fraud, or misuse of the Platform or payment systems.

15.4 No class or representative actions. Arbitration will proceed on an individual basis only. Neither party may bring a Dispute as a class, collective, representative, or private attorney general action to the extent permitted by law.

15.5 Opt-out. Users may opt out of arbitration by sending a written opt-out notice to hello@villagehaven.org within 30 days of first accepting these Payment Terms (or within 30 days of an update adding arbitration, if later). The notice must include the User's name, the email/phone associated with the account, and a clear statement of intent to opt out of arbitration.

15.6 Arbitration rules; location; fees. The arbitration will be administered by the American Arbitration Association (AAA) under its applicable consumer rules. The seat of arbitration will be in Sheridan County, WY, unless the parties agree otherwise or applicable law requires a different location for consumer disputes. Payment of filing and arbitrator fees will be governed by the administrator's rules and applicable law.

15.7 Severability. If any portion of this Section 15 is found unenforceable, the unenforceable portion will be severed and the remainder will remain in effect. If the class/representative action waiver is found unenforceable as to a particular claim and cannot be severed, then that claim will proceed in court, and the remaining claims will be arbitrated.

15.8 Survival. This Section 15 survives termination of Platform use.

16. Governing Law and Venue

These Payment Terms are governed by the laws of the State of Wyoming, except where consumer protection laws of other jurisdictions, including California, apply and cannot be waived.

Dispute venue and arbitration procedures shall follow those provided in the Platform Terms of Use.

Consumer protection carve-out. If you are a California resident, California laws that provide nonwaivable consumer protections may apply notwithstanding this governing law provision, to the extent required by law.

17. Modifications

17.1 Updates. Village Haven may update these Payment Terms from time to time for legal, regulatory, security, operational, or business reasons.

17.2 Notice. We will provide notice of material changes by posting the updated Payment Terms on the Platform and/or by sending notice to the email associated with the User's account and/or by in-app notice.

17.3 Effective date. Changes will become effective on the later of (i) the "Effective Date" stated above (as updated) or (ii) the date notice is provided, and will apply prospectively. For changes that require affirmative consent under applicable law (including California automatic renewal laws), we will obtain such consent.

17.4 No retroactive fee changes. Changes to Platform Fees will not apply to bookings already placed and paid for, unless required to correct an error or comply with law and disclosed to the User.

18. Contact Information

For questions regarding these Terms, Users may contact:

Village Haven LLC, Wholly owned by Heart Space Sanctuary

Email: hello@villagehaven.org

Address: 540 Pico Ave, Unit 107, San Simeon, CA 93452