Marketplace and Payment Terms

Version 1.0.0 · Effective 2026-07-22

CLUBS HQ MARKETPLACE AND PAYMENT TERMS

Version 1.0.0 | Effective July 22, 2026

These Marketplace and Payment Terms govern payments made and received through the Clubs HQ Platform — coaching fees, club dues, event registrations, and any other transaction between users. They are an addendum to the Master Terms of Service.

Two distinct roles are addressed:

  • Payees — coaches, organizers, clubs, and venues who receive money.
  • Buyers — members who pay for coaching, dues, events, or other offerings.

1. What Clubs HQ Does and Does Not Do

1.1 We are a technology and payment-facilitation platform. We provide software that allows Payees to offer services and collect payment, and allows Buyers to pay.

1.2 We are not the provider of the underlying service. Coaching, training, events, and venue offerings are provided by independent third parties. Clubs HQ does not perform, supervise, guarantee, or insure them. The contract for the service itself is between the Buyer and the Payee.

1.3 We are not a bank. We do not hold deposits, extend credit, or provide money transmission services. Payment processing is performed by our third-party processor.

2. Payment Processor

2.1 Stripe. Payment processing is provided by Stripe, Inc. and its affiliates.

2.2 Payees must accept Stripe's terms. To receive payments, you must open a connected payment account and accept the Stripe Connected Account Agreement and Stripe Services Agreement (together, the "Stripe Terms"), available at https://stripe.com/legal. The Stripe Terms are between you and Stripe. They may be amended by Stripe from time to time. You may not receive payouts without accepting and remaining in compliance with them.

2.3 Identity verification (KYC). Stripe is required to verify your identity and, for business accounts, your business and beneficial owners. You must provide accurate legal name, address, date of birth, tax identification number, and bank account details, and must update them when they change. Payouts may be delayed or withheld until verification is complete. Providing false information is a material breach.

2.4 Restricted businesses. You represent that your activities do not fall within Stripe's list of prohibited or restricted businesses.

2.5 Data. Information you provide for payment purposes is shared with Stripe and processed under Stripe's privacy policy. We receive transaction status, payout status, and dispute information. We do not store your full bank account or card numbers.

3. Fees

3.1 Platform fee. Clubs HQ charges a platform fee on each transaction, deducted before payout. The current fee schedule is published at clubshq.us/legal/fees and is incorporated into these Terms by reference. Keeping the rate in a published schedule rather than in this contract allows us to change it on notice under Section 3.4 without amending your agreement.

3.2 Processing fees. Payment processing fees charged by Stripe are deducted from the transaction in addition to the platform fee, and are borne by the Payee unless the fee schedule states otherwise.

3.3 Disclosure to Buyers. Buyers see the total amount they will be charged, inclusive of any fees passed on to them, before confirming a purchase.

3.4 Changes. We may change the fee schedule on 30 days' written notice. Continued use after the effective date constitutes acceptance. Fee changes do not apply retroactively to completed transactions.

3.5 Other charges. Currency conversion, instant-payout, and account-verification charges imposed by Stripe are your responsibility as a Payee.

4. Payouts

4.1 Schedule. Payouts are made to your linked bank account on a rolling schedule as configured with our payment processor — typically 2 to 7 business days after a transaction settles — subject to Stripe's standard settlement timing and to any hold under Section 4.2. New accounts may be subject to a longer initial settlement period.

4.2 Holds and reserves. We or Stripe may delay, suspend, or place a reserve on a payout where we reasonably believe there is: elevated dispute or fraud risk; an unresolved investigation; a pattern of refunds or complaints; a legal requirement; or a negative balance. We will notify you of a hold and its reason unless prohibited.

4.3 Negative balances and recovery. If your connected account carries a negative balance — from refunds, chargebacks, or fees — you must resolve it promptly. You authorize us and Stripe to recover amounts owed by: deducting from future payouts; reversing transfers; debiting your linked bank account; and pursuing collection. Amounts unpaid after 30 days may be referred for collection, and you are responsible for reasonable collection costs.

4.4 Unclaimed funds. Funds we are unable to pay out because your account details are invalid or your account is closed will be handled in accordance with applicable unclaimed-property law.

5. Refunds, Cancellations, and Disputes

5.1 The Payee sets the policy. Each Payee must publish a clear refund and cancellation policy for their offerings. That policy governs the Buyer's relationship with the Payee.

5.2 Payee responsibility. Refunds are the Payee's obligation and are funded from the Payee's balance. Clubs HQ does not fund refunds for services it did not provide. Platform fees on a refunded transaction are returned to the Payee in proportion to the amount refunded. Payment processing fees charged by Stripe are generally not returned, and that cost is borne by the Payee.

5.3 Our limited discretion. We may issue a refund from a Payee's balance without the Payee's agreement where: the service was demonstrably not delivered; the transaction was fraudulent; the Payee's account has been terminated; the Payee is unresponsive for 10 business days after a Buyer complaint; or a legal or card-network obligation requires it. We will notify the Payee and give an opportunity to respond except where immediate action is required.

5.4 Chargebacks — read carefully. A chargeback occurs when a Buyer disputes a charge with their card issuer. Depending on how a transaction is processed, Clubs HQ as the platform may be the party initially debited for a disputed amount and any dispute fee.

In every case, as between Clubs HQ and the Payee, the Payee is financially responsible for chargebacks arising from services the Payee provided or failed to provide. You therefore agree that:

  • You will cooperate promptly in responding to disputes, and will provide requested evidence within 5 business days;
  • We may deduct the disputed amount and any dispute fee from your balance or future payouts, or debit your linked bank account;
  • If your balance is insufficient, you will reimburse us on demand; and
  • A pattern of chargebacks may result in reserves, suspension, or termination.

5.5 Evidence. Maintain records — session confirmations, attendance, communications, and delivery evidence. Your ability to defeat a chargeback depends on them.

5.6 Buyer obligations. Buyers agree to contact the Payee, and then Clubs HQ support, before initiating a chargeback. Initiating a chargeback for a service actually received may result in account suspension and referral for collection.

6. Taxes

6.1 You are responsible for your own taxes. As a Payee, you are an independent business and are solely responsible for determining, collecting, reporting, and remitting all taxes on income you earn through the Platform. Clubs HQ does not withhold taxes from your payouts and does not provide tax advice.

6.2 Information reporting. You may receive a Form 1099-K from Stripe or Clubs HQ where the applicable federal or state reporting threshold is met. Several states apply thresholds substantially lower than the federal threshold — you may receive a form even at modest earnings. Provide accurate taxpayer information; failure to do so may result in backup withholding or suspended payouts.

6.3 Sales tax. Where the sale of a service through the Platform is subject to sales tax, the responsibility for collection and remittance depends on the jurisdiction and on whether marketplace-facilitator rules apply. Our current allocation is described at clubshq.us/legal/tax. Where we collect and remit as a marketplace facilitator, we will tell you and you must not also collect on the same transaction.

6.4 International. Payees outside the United States are responsible for their own local tax obligations, including VAT or GST where applicable.

7. Payee Obligations

As a Payee you represent, warrant, and agree that:

  • You are legally permitted to provide the services you offer, and hold any required licenses, certifications, and permits;
  • Your listings, prices, and descriptions are accurate and not misleading;
  • You will honor the offerings you publish at the prices you publish;
  • You will deliver services in a professional and timely manner;
  • You will comply with the Master Terms, Acceptable Use Policy, Community Code of Conduct, and — as applicable — the Organizer and Coach Platform Agreement or Venue and Business Partner Agreement;
  • You will not attempt to move transactions off-Platform to avoid fees, where the relationship originated on the Platform;
  • You will not use the Platform to launder money, evade sanctions, or process transactions unrelated to your offerings; and
  • You will maintain accurate contact and payout information.

8. Buyer Terms

  • Prices are shown before you confirm. You authorize the charge you confirm.
  • Your contract for the service is with the Payee, not Clubs HQ.
  • Refunds are governed by the Payee's published policy.
  • Contact the Payee first with a problem, then info@clubshq.us if unresolved.
  • Recurring purchases (such as monthly coaching or club dues) are governed by the Subscription and Auto-Renewal Policy and require separate auto-renewal consent.

9. Club Dues and Group Payments

Where a club collects dues or event fees through the Platform, the club — acting through its authorized administrator — is the Payee, is responsible for the accuracy of what it charges and for its own refund policy, and is responsible for any obligation to its members. Clubs HQ is not responsible for a club's internal financial administration or for disputes between a club and its members.

10. Suspension and Termination of Payment Privileges

We may suspend or terminate your ability to send or receive payments, with or without notice, where we reasonably believe there is fraud, a legal violation, a material breach, unacceptable dispute levels, a request from Stripe or a card network, or risk of loss. On termination we will pay out any undisputed balance after deducting amounts owed, subject to any hold reasonably necessary to cover anticipated chargebacks — typically not exceeding 90 days.

11. Disclaimer and Liability

Clubs HQ does not guarantee any level of earnings, transaction volume, or payout timing. We are not liable for delays, errors, or losses caused by the payment processor, banking systems, card networks, or your own financial institution. Our liability under these Marketplace and Payment Terms is subject to the limitations in Section 13 of the Master Terms of Service.

12. Indemnification

You agree to defend, indemnify, and hold harmless Clubs HQ from any claim arising from: the services you provide or fail to provide; your refund, cancellation, or pricing practices; your tax obligations; your breach of these Terms or the Stripe Terms; and any chargeback, fine, or penalty assessed in connection with your transactions.

13. Changes

Material changes take effect after 30 days' notice. Continued use of payment features constitutes acceptance.

14. Contact

Payments and payouts: info@clubshq.us · Disputes: info@clubshq.us · Tax documents: info@clubshq.us

ACKNOWLEDGMENT By enabling payments, connecting a payout account, or completing a marketplace transaction, you agree to these Marketplace and Payment Terms and, if you are a Payee, to the Stripe Connected Account Agreement and Stripe Services Agreement.

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