Last Updated: 04 March 2026 | Version: 2.0

1. INTRODUCTION

Harley Studio Pty Ltd (ABN: 24 688 789 184) ("Harley", "Harley Meets", "we", "our", or "us") operates a technology platform that connects people through sports and social events. This Payment Policy explains how payments are collected, processed, held, and distributed on the Harley platform.

1.1 About This Policy

This Payment Policy applies to all payment transactions conducted through the Harley mobile application, website, and related services (collectively, the "Platform" or "Service"). This Policy works together with our Terms of Service, Privacy Policy, Community Standards, and Cancellation and Refund Policy to provide a secure, transparent, and fair payment system.

This Policy covers:

How payments are collected and processed via Stripe Direct
Payment types for Club Events and Individual Events
Fee structures (Service Fee and Stripe Fee)
Club Credits system for cancellations
Host and Player payment responsibilities
Tax obligations and reporting requirements
Payment data security and privacy
Regulatory compliance and licensing

This Policy does NOT cover:

Cancellation rules and refund procedures (see our Cancellation and Refund Policy)
Payment dispute resolution (see our Cancellation and Refund Policy)
General platform terms and conditions (see our Terms of Service)

Please read this Payment Policy carefully. By using Harley's payment services, you acknowledge that you have read, understood, and agree to be bound by all terms of this Policy, our Terms of Service, Privacy Policy, and Cancellation and Refund Policy.

This Payment Policy is governed by the laws of the State of Victoria, Australia, and complies with Australian payment services regulations, the Payment Services Directive 2 (PSD2) for European users, and other applicable payment and consumer protection laws globally.

1.2 Definitions

"Club" means a group created by a Host on the Platform for organising recurring events and building a community of Players.

"Club Credits" means credits issued for cancelled Club Events, redeemable only within the issuing Club.

"Club Event" means an event created by a Host within a Club.

"Host" means a Member who creates and manages events on the Platform.

"Individual Event" means a standalone public event not associated with a Club.

"Member" means any person who has registered for an account on the Platform.

"Payment Processor" means Stripe, our third-party licensed payment service provider that processes payments directly for Hosts.

"Service Fee" means the fee charged by Harley to Players at registration for platform maintenance, fraud prevention, and service quality assurance.

"Player" means any Member who registers to attend an event on the Platform.

"Platform" means the Harley mobile application, website, and all related services.

"Stripe Direct" means the payment model where Hosts connect their own Stripe accounts and receive payments directly from Players.

"Stripe Fee" means the fee charged by Stripe for payment processing. Current rates are published at stripe.com/au/pricing.

2. HARLEY'S ROLE IN PAYMENTS

2.1 Technology Platform with Stripe Direct

Harley operates as a technology platform that connects Players with Hosts. For Club Events, we use a Stripe Direct model where Hosts connect their own Stripe accounts and have full control over their payment processing.

Our Role:

Technology platform provider connecting Players and Hosts
Service Fee collection
Credit system management for cancellations
Transaction record keeping and reporting

What We Do NOT Do:

Hold or custody event payment funds—payments go directly to Host Stripe accounts
Control or delay Host payouts—Stripe pays Hosts immediately
Process refunds for event payments—Hosts manage refunds through their Stripe accounts
Guarantee event occurrence or Host performance

Important: Due to the nature of the Stripe Direct arrangement, all payments are paid directly to Hosts via their connected Stripe accounts. Harley does not hold, custody, or withhold any funds on behalf of Hosts at any time. Hosts receive their payouts directly from Stripe, and Harley has no ability to access, delay, or control these funds.

2.2 Stripe Direct Model

Club Events use Stripe Direct once the Host has completed Stripe onboarding. This means:

For Hosts:

You connect your own Stripe account to receive payments
You receive payouts immediately when Players register (subject to Stripe's standard payout schedule)
You have full control and responsibility over your payment processing
You are responsible for managing refunds and disputes through Stripe
Stripe Fees are deducted from your payout

For Players:

You pay the event price set by the Host plus Service Fee
Payment is processed immediately at registration
For cancellations within the cancellation window, you receive Club Credits (not cash refunds)

2.3 Payment Collection by Event Type

Individual Events:

Individual Events do not have online payment collection and no fees apply. All Individual Events are public by default. Hosts may track payment status (paid/unpaid) within the app, but actual payment is arranged directly between the Host and Players outside the Platform.

Club Events:

Payment collection is automatically enabled for all Club Events once the Host has completed Stripe onboarding. Once enabled, payment collection cannot be disabled. Players pay at registration via Stripe and Hosts receive immediate payouts.

3. PAYMENT PROCESSING STRUCTURE

3.1 How Our Payment System Works

Payment Flow Overview (Club Events):

When a Player registers for a Club Event:

Step 1: Player Registration and Payment

Player registers for event → Player pays event price + Service Fee → Payment processed via Stripe

Step 2: Stripe Fee Deduction

Stripe deducts Stripe Fee from the total payment amount

Step 3: Payout Distribution

Stripe pays Host their portion (event price minus Stripe Fee) → Stripe pays Harley the Service Fee

Payment Example:

Event price set by Host: $20.00
Service Fee: $0.60
Player pays at registration: $20.60
Stripe Fee applied on $20.60 (estimated): $0.66
Host payout (estimated): $19.34
Stripe pays Harley: $0.60

Note: Stripe Fee and Host payout amounts are estimates. Actual amounts are available on the Stripe dashboard.

3.2 For Players - Payment and Registration

Club Events:

When you register for a Club Event, you pay immediately at checkout. The total amount includes the event price set by the Host plus the Service Fee.

What You Pay:

Event price: Set by the Host (must be rounded to nearest $0.50)
Service Fee: calculated on the event price
Total: Event price + Service Fee

Individual Events:

Individual Events do not have online payment collection. You arrange payment directly with the Host (cash, bank transfer, etc.). The Host may track your payment status in the app as paid or unpaid.

Payment Methods:

For Club Events, we accept credit/debit cards (Visa, Mastercard, American Express), Apple Pay, and Google Pay.

Cancellation and Credits:

If you cancel a Club Event registration within the cancellation window (typically 24 hours before the event), you receive Club Credits equal to the full amount paid (event price + Service Fee). Club Credits can only be used for future events within the same Club. See our Cancellation and Refund Policy for full details.

3.3 For Hosts - Stripe Direct Payments

Setting Up Payments:

To receive payments for Club Events, you must:

Create or connect a Stripe account through the Harley app
Complete Stripe's verification requirements

Once Stripe onboarding is complete, payment collection is automatically enabled for all your Club Events and cannot be disabled.

Immediate Payouts:

When a Player registers and pays for your Club Event, you receive the payment immediately in your Stripe account. Stripe then transfers funds to your bank account according to your Stripe payout schedule (typically 2-3 business days for Australian bank accounts).

What You Receive:

You receive the event price minus the Stripe Fee. Current Stripe Fee rates are published at stripe.com/au/pricing.

Your Responsibilities:

With Stripe Direct, you have full control and responsibility over your payments:

Managing your Stripe account settings and payout schedule
Handling refunds and disputes through your Stripe dashboard
Responding to chargebacks filed by Players
Maintaining accurate banking information in Stripe
Complying with Stripe's terms of service

3.4 Event Pricing Rules

Price Rounding:

Event prices must be rounded to the nearest $0.50 AUD. This ensures clean pricing and consistent fee calculations.

Examples:

$15.00 ✓
$15.50 ✓
$15.25 ✗ (must be $15.00 or $15.50)

3.5 Club Credits

For information about Club Credits issued for cancelled events, see our Cancellation and Refund Policy.

4. PAYMENT SERVICES REGULATORY COMPLIANCE

4.1 Licensed Payment Processing

All payment services are provided by licensed third-party payment processors who maintain required regulatory authorisations and comply with payment industry standards, including PCI-DSS Level 1 compliance for payment card security. Current compliance certifications are available at stripe.com/docs/security.

4.2 Consumer Protections

Your payments benefit from multiple layers of protection including payment processor guarantees, applicable payment services regulations, credit card chargeback rights, and Australian Consumer Law protections.

4.3 Harley's Limited Role

Harley provides technology platform services that facilitate connections between Players and Hosts. We do not provide regulated payment services, hold customer funds, or act as a financial institution.

5. FEES AND CHARGES

5.1 Fee Structure Overview

Service Fee (Charged to Players):

Players pay a Service Fee on top of the event price when registering for Club Events.

Stripe Fee (Deducted from Hosts):

Stripe charges payment processing fees that are deducted from the Host's payout. Current Stripe Fee rates are published at stripe.com/au/pricing.

5.2 Host Subscription Plans

Host Subscription Plans:

Harley offers subscription tiers for Hosts with different features and event allowances. Current subscription plans, pricing, features, and terms are available within the Platform's subscription section.

5.3 Individual Events

Individual Events do not have online payment collection, so no Service Fees or Stripe Fees apply. Hosts arrange payment directly with Players outside the Platform.

5.4 Billing and Payment Terms

Subscription Billing:

Subscriptions billed monthly or annually depending on plan selected
First payment processed immediately upon subscription
Subsequent payments automatically charged to payment method on file
Annual subscriptions available at discounted rates

Plan Changes:

Upgrades: Take effect immediately with pro-rated credit for unused time on current plan
Downgrades: Take effect at next billing date; no refund for unused time on current plan
Cancellations: Access continues until end of current billing period; no refund for partial periods

Free Trials:

New Hosts may receive free trial periods as advertised
Payment method required; no charge during trial
Auto-converts to paid plan unless cancelled before trial ends
One free trial per user

Payment Methods:

We accept credit cards, debit cards, Apple Pay, Google Pay, and other payment methods made available through our payment processors.

Subscription Fees Are Non-Refundable:

Subscription fees are charged in advance and non-refundable, except where required by applicable consumer protection laws.

5.5 Additional Service Charges

Special Circumstances Fees:

Administrative Support Fee: $25.00 AUD

Charged when complex situations require significant manual intervention by Harley support staff, including:

Investigating and resolving complex payment disputes
Coordinating special refund scenarios with payment processors
Manual review and processing of flagged transactions

Fee applies to the party responsible for creating the additional work (Host or Player, depending on circumstances).

Expedited Payment Processing Fee: $15.00 AUD

Available only in limited circumstances at Harley's sole discretion for documented emergency situations. Must be requested and approved by Harley support team.

5.6 Fee Modifications and Notifications

Changes to Fees:

We may modify fees with appropriate advance notice:

Material Fee Increases:

Minimum 30 days' advance notice via email and Platform notification
Clear explanation of changes and effective date
Opportunity to cancel subscription before increase takes effect

Minor Adjustments:

Minimum 14 days' advance notice for adjustments under 2% or $2.00 AUD
Notification via Platform announcement and email

Fee Reductions:

May be implemented immediately without advance notice

Your Options:

If you disagree with fee increases, you may cancel your subscription or cease using the Platform before the increase takes effect. Continued use after the effective date constitutes acceptance of the new fee structure.

5.7 Fee Transparency and Disclosure

All applicable fees are clearly displayed and disclosed:

During Event Creation (Hosts):

Event price you set (must be rounded to nearest $0.50)
Stripe Fee estimate (see stripe.com/au/pricing)
Estimated net amount you will receive

During Event Registration (Players):

Event price set by Host
Service Fee
Total amount to pay at checkout
Cancellation policy and credit eligibility

In Payment Confirmations:

Itemised breakdown showing event price and Service Fee
Transaction date, event details, and payment method used

In Host Stripe Dashboard:

Real-time view of payments received
Stripe Fee deductions
Payout history and bank transfer records

In Harley Host Dashboard:

Transaction history for your events
Club Credits outstanding to Players
Credit transactions (issued and redeemed)

Fee Schedule:

A complete, current fee schedule is available on our website at harleymeets.com/fees, updated whenever fees change.

6. TAX OBLIGATIONS

6.1 Your Tax Responsibility

You are solely responsible for determining and fulfilling all tax obligations related to your use of the Platform, including any taxes on earnings received as a Host or payments made as a Player.

Harley does not provide tax advice. The information in this section is general guidance only. We strongly recommend consulting a qualified tax professional (registered tax agent, accountant, or tax lawyer) regarding your specific tax obligations.

Harley Does Not Withhold Taxes:

Since event payments are processed directly to Host Stripe accounts, Harley does not withhold income tax, GST/VAT, or other taxes from Host earnings. You are responsible for calculating and paying all applicable taxes.

6.2 Transaction Records

We provide annual earnings summaries and transaction history in your account dashboard to assist with tax reporting.

6.3 Tax Reporting by Harley

We may be legally required to report your earnings to tax authorities in certain circumstances, including:

Australia: ATO reporting for Hosts meeting reporting thresholds
United States: IRS Form 1099-K for US Hosts meeting thresholds
European Union: DAC7 reporting for EU Hosts meeting thresholds
Other jurisdictions as required by law

We will notify you if reporting requirements apply to you.

7. PAYMENT DATA SECURITY AND PRIVACY

7.1 Security Protections

Your payment information is protected through industry-standard security measures implemented by Harley and our Payment Processors, including:

Encryption of all payment data during transmission and storage
PCI-DSS compliant payment processing systems
Tokenisation of payment credentials to prevent unauthorised access
Fraud monitoring and detection systems
Secure authentication protocols for all transactions

7.2 Payment Data Storage

Information Harley Does NOT Store:

Harley never stores or has access to:

Complete credit card numbers (we retain only the last 4 digits for transaction identification)
Card security codes (CVV/CVC)
Card PINs or passwords
Bank account credentials
Unencrypted payment information

Information Harley May Store:

For transaction processing and account management purposes, we may store:

Last 4 digits of payment cards
Payment method type (Visa, Mastercard, Apple Pay, etc.)
Card expiry dates for payment method management
Billing addresses for verification purposes
Transaction history and metadata
Encrypted payment tokens provided by Payment Processors

Payment Processor Storage:

Full payment credentials are securely stored only by our PCI-DSS compliant Payment Processors (including Stripe). These processors maintain the highest level of payment security certification and are subject to strict regulatory oversight and security auditing.

7.3 Secure Payment Methods

All payment methods available on the Platform use secure processing:

Apple Pay and Google Pay:

Device-specific tokenisation and biometric authentication
Payment credentials never shared with Harley
Dynamic security codes that change with each transaction

Credit and Debit Cards:

PCI-DSS compliant processing through licensed Payment Processors
3D Secure authentication (Verified by Visa, Mastercard SecureCode) where available
Fraud detection and chargeback protection
Encrypted transmission and secure tokenisation

All payment methods benefit from Payment Processor fraud protection, dispute resolution processes, and security guarantees provided by licensed payment service providers.

7.4 Your Security Responsibilities

You are responsible for maintaining the security of your Harley account and payment information:

Account Security:

Use strong, unique passwords for your account
Enable two-factor authentication where available
Never share your account credentials with others
Log out from shared or public devices
Review your account activity regularly for unauthorised transactions

Payment Security:

Keep your payment methods up to date
Monitor your payment card and bank statements for unauthorised charges
Report lost or stolen payment cards immediately to your card issuer
Use secure internet connections for transactions (avoid public WiFi)
Only download the Harley app from official app stores (Apple App Store, Google Play)

Report Security Concerns Immediately:

Unauthorised account access or suspicious login attempts
Unexpected transactions or charges
Lost or stolen devices with an active Harley session
Suspected phishing attempts or fraudulent communications claiming to be from Harley

7.5 Payment Processor Security

Payment processing services are provided by licensed Payment Processors, including Stripe, who maintain comprehensive security programmes independently certified to industry standards.

Payment Processor Security Features:

PCI-DSS Level 1 Service Provider certification
Regular independent security audits
Advanced fraud detection systems
Secure APIs and encryption standards
Dedicated security teams and incident response capabilities

Your Relationship with Payment Processors:

When you provide payment information through the Platform, you establish a direct relationship with our Payment Processors. Your payment data is subject to the Payment Processor's terms of service, privacy policy, security measures, and applicable payment services regulations.

7.6 Privacy and Data Protection

Our Privacy Commitments:

We collect and use payment information only for:

Processing transactions and payments
Fraud prevention and platform security
Compliance with legal and regulatory obligations
Providing customer support
Improving Platform services using aggregated, anonymised data

We do NOT:

Sell your payment information to third parties
Use your payment data for advertising or marketing without consent
Share your payment credentials with Organisers (only transaction details are shared)
Process your payment information for purposes unrelated to Platform services

Your Privacy Rights:

You have rights regarding your personal and payment information, including rights to access, correct, delete, and port your data. These rights are subject to applicable privacy laws including the Australian Privacy Act 1988, GDPR, CCPA, and other relevant legislation.

7.7 Security Incidents and Data Breaches

Our Response to Security Incidents:

If a security incident occurs that affects your payment information or personal data, Harley will:

Immediately activate incident response protocols to contain and remediate the breach
Assess the scope, impact, and affected data
Coordinate with Payment Processors to protect your payment information
Implement additional security measures to prevent recurrence

Notification Obligations:

We will notify affected users and relevant authorities as required by applicable law, including:

Australian users: Notification to the Office of the Australian Information Commissioner (OAIC) and affected individuals as required under the Privacy Act 1988 and Notifiable Data Breaches scheme
EU users: Notification to relevant Data Protection Authorities and affected individuals as required under GDPR
Other jurisdictions: Compliance with applicable data breach notification laws

Information and Support:

In the event of a security incident affecting your data, we will provide:

Details about the nature and scope of the breach
Types of information potentially compromised
Recommended protective actions (such as payment card replacement or password changes)
Ongoing updates about investigation progress and remediation efforts
Access to support resources and assistance

Payment Processor Incidents:

If a security incident occurs at our Payment Processor level, the Payment Processor handles primary breach response and notification obligations. Harley coordinates with the Payment Processor for user communication and support, and provides additional assistance as needed.

7.8 Further Information and Support

For Complete Security and Privacy Information:

Comprehensive details about our data collection, usage, storage, and protection practices, including your privacy rights and how to exercise them, are available in our Privacy Policy.

For Security Concerns, Questions, or Support:

If you have questions about payment security, wish to exercise your privacy rights, need to report a security incident, or require assistance with payment-related matters, please contact us using the details provided in Section 8 (Contact Information) of this Policy.

8. CONTACT INFORMATION

For questions, concerns, or notices regarding this Payment Policy:

Legal Inquiries Email: legal@harleymeets.com For: Legal matters, partnerships, contracts

General Support Email: support@harleymeets.com For: Technical issues, account questions

Privacy Matters Email: privacy@harleymeets.com For: Privacy inquiries, data requests, complaints

Postal Address Harley Studio Pty Ltd (ABN: 24 688 789 184) 8B Theresa Street, Sunshine North, VIC 3020, Australia

Response Times:

General support: 5 business days
Urgent matters: 2 business days
Legal inquiries: 5 business days

9. GOVERNING LAW AND POLICY UPDATES

9.1 Governing Law and Jurisdiction

This Payment Policy is governed by the laws of Victoria, Australia.

Dispute Resolution:

Disputes related to payments will be resolved in the courts of Victoria, Australia, except where consumer protection laws require disputes to be heard in your place of residence. Nothing in this Policy removes or limits your rights under Australian Consumer Law or other consumer protection legislation that cannot be lawfully excluded.

Before Court:

We encourage users to contact us first to resolve disputes. Australian users may also contact the Australian Financial Complaints Authority (AFCA). Users in other jurisdictions may access local consumer protection or financial ombudsman services.

9.2 Policy Updates

Changes to This Policy:

We may update this Policy from time to time to reflect changes in laws, payment features, or business requirements.

Material Changes:

For significant changes affecting your rights or obligations, we will provide at least 30 days' advance notice via email and Platform notification. Continued use of Payment Services after changes take effect means you accept the updated Policy.

Minor Changes:

For clarifications, corrections, or non-material updates, we will update the "Last Updated" date and notify users via the Platform. These changes take effect immediately.

Your Options:

If you disagree with changes, you may stop using Payment Services before the changes take effect. Previous versions of this Policy are available on request.

9.3 Other Terms

Related Policies:

This Policy works with our Terms of Service and Privacy Policy. For payment matters, this Policy takes priority. For general platform issues, our Terms of Service takes priority.

Severability:

If any provision of this Policy is found invalid or unenforceable, that provision will be removed and all other provisions remain in full force and effect.

Language:

This Policy is written in English. If translated, the English version controls in case of conflicts.

ACCEPTANCE

By using the Harley Platform, you acknowledge that you have read, understood, and agree to be bound by this Payment Policy, our Terms of Service, Privacy Policy, Cookie Policy, Community Standards, Cancellation and Refund Policy, and where applicable, our Release Waiver.

This Payment Policy is effective as of the Last Updated date shown above and applies to all users of the Harley Platform.