Stripe & Payments Disclaimer

Effective: September 10, 2026

This Policy is published by Tricky Labs LLC, a New Hampshire limited liability company doing business as SavaSync ("SavaSync," "we," "us," "our").

1. Stripe is our payment processor

All online payments on SavaSync are processed by Stripe, Inc. (Where a Studio enables pay-at-the-door for a Class, that payment is made in person, directly between the Student and the Studio — it never touches Stripe or SavaSync, and SavaSync charges no platform fee on it. This Disclaimer covers online payments only.) Each Studio and each independent Instructor operates a Stripe Connected Account, linked during onboarding. SavaSync uses one Stripe Connect charge model:

• Direct charges. The charge is created directly on the Connected Account of whoever owns the Class — the Studio, or the independent Instructor. SavaSync's platform fee (where applicable) is deducted automatically via Stripe's application_fee_amount, and the remaining funds settle into that account's Stripe balance.

SavaSync does not pay Instructors. Every Booking settles in full to the account that owns the Class, and a Studio pays its Instructors by its own arrangement, outside the Platform. SavaSync computes and reports what each Instructor is owed; it does not transfer that money and is not a party to it.

Payouts to bank accounts are made by Stripe on each Connected Account's configured payout schedule. SavaSync does not hold Studio or Instructor funds, and SavaSync is not the merchant of record for the underlying Class — see Section 7. The current platform fee schedule is in Section 8 of our Terms of Service.

2. Stripe's terms apply to you

By accepting payments through SavaSync (as a Studio) or by making a payment through SavaSync (as a Student), you also agree to Stripe's own terms, each of which forms a separate contract between you and Stripe:

• Stripe Connected Account Agreement — applies to Studios with Connected Accounts.
• Stripe Services Agreement — applies to all Stripe usage.
• Stripe Privacy Policy — covers Stripe's processing of your personal data.

Disputes about the payment process itself (chargebacks, payout timing, currency conversion, account verification) are handled by Stripe under those agreements. SavaSync facilitates communication but is not the decision-maker on Stripe's processes.

3. We never see your card data

Payment-card data is handled exclusively by Stripe, which is a PCI-DSS Level 1 certified processor. SavaSync never stores or transmits:

• Full payment card numbers
• Card verification codes (CVV/CVC)
• Card expiration dates
• Full bank account numbers (for ACH or payout setup — Stripe handles these)
• The last four digits or brand of a payment card — we do not keep these either, and there is no saved-card display anywhere in the Platform

What SavaSync does store, for the operation of the Platform:

• The Stripe customer ID for your account (a token, not a card number)
• The Stripe Connected Account ID for each Studio
• The Stripe identifiers attached to each transaction (payment intents, transfers and transfer groups, subscriptions and prices, invoices and receipt links, platform-fee references) — each a reference we hand back to Stripe, never a way to charge a card
• Transaction status, amount, currency, and timestamps
• Refund and dispute status

Opening your payout settings asks Stripe for the bank account it pays out to and shows its name and last four digits; that answer comes from Stripe at the moment you look and is not stored.

If you have any concern about your card data, you can review Stripe's PCI compliance documentation and security overview.

4. Payouts to Studios

When a Studio sells a Class, the funds flow as follows:

1. Student pays via Stripe Checkout.
2. Stripe captures the payment to the Studio's Connected Account, less SavaSync's platform fee (which routes to SavaSync's own Stripe account automatically as an application fee).
3. Stripe holds the balance in the Connected Account. Funds typically become available for payout within 2 business days of the Class transaction, subject to Stripe's standard risk-review windows.
4. Stripe pays the Studio's linked bank on the payout schedule the Studio configured in Stripe (typically daily, weekly, or monthly).
5. If a payout fails (closed bank account, incorrect routing number), Stripe will email the Studio and hold the funds in the Studio's Stripe balance until updated bank details are provided. The Studio is responsible for resolving the issue directly with Stripe.

SavaSync does not control the payout schedule, the payout speed, or any payout-related Stripe behavior. Questions about a specific payout should go to Stripe's support directly through the Studio's Stripe dashboard.

5. Chargebacks and disputes

A "chargeback" happens when a cardholder asks their bank to reverse a charge. Stripe handles the mechanics of every chargeback:

• Stripe notifies the Studio (and SavaSync) when a dispute is opened.
• The Studio submits evidence to Stripe through the Studio's dashboard. On request, SavaSync will help the Studio compile dispute evidence from records we retain in line with our Privacy Policy — including booking confirmations, check-in records, and waiver signatures. The Studio can request these from us at legal@savasync.com.
• Stripe forwards the evidence to the card network, which makes the final decision.
• If the Studio prevails, the disputed amount is returned to the Studio's balance. Stripe deducts a small dispute fee.
• If the Student prevails (or the Studio does not respond in time), the disputed amount stays with the Student, and the Studio is charged a dispute fee.

SavaSync is not a party to chargebacks and does not absorb dispute losses on the Studio's behalf. Studios are responsible for any final liability from disputes on their own bookings.

If a Student repeatedly files chargebacks, we may suspend the Student's account per our Acceptable Use Policy.

6. What happens if Stripe terminates a Studio

Stripe may suspend or terminate a Studio's Connected Account if the Studio violates Stripe's policies (high dispute rate, prohibited business, suspected fraud, regulatory issue). When that happens, SavaSync may take any of the following steps, depending on the circumstances:

• Hide the Studio's Classes from public pages on SavaSync.
• Cancel in-flight Bookings and request refunds through Stripe (where Stripe still holds the funds).
• Stop Membership renewals from processing, in which case Memberships transition to the canceled state.

The Studio can re-list once Stripe has cleared the account. SavaSync coordinates this process with Stripe but does not influence Stripe's decision to suspend an account, and refunds of funds Stripe has frozen or already paid out are subject to Stripe's processes.

7. Tips and Promo Codes

Tips. A Student may add an optional Tip at checkout. The Tip is added as a separate line item in the Stripe charge and is paid in full to the Studio or Instructor receiving the Booking. SavaSync's platform fee, if applicable, is calculated on the Class price only — not on the Tip. If the Booking is refunded, the Tip is refunded as part of the same refund.

Promo Codes. Promo Codes are configured by Studios and Instructors and applied at checkout to reduce the Student's purchase price. SavaSync's platform fee, if applicable, is calculated on the discounted price paid by the Student. A 100% discount Promo Code results in no platform fee. Promo Code redemption is tracked by SavaSync and may be subject to per-Code redemption limits set by the issuing Studio or Instructor.

8. SavaSync is not the merchant of record

For the Class itself — the fitness instruction, the venue, the equipment, the safety — the contract is between the Student and the Studio. SavaSync is a software platform that facilitates the transaction. We are not:

• The party performing the Class
• The owner of the venue
• The employer or contractor of the Instructor
• An insurer of any kind

If you have a claim about the Class (injury, damaged property, unsatisfactory instruction), that claim is against the Studio, not against SavaSync. See Sections 5 and 14 of our Terms of Service for the scope of SavaSync's role and liability.

9. Tax responsibility

Studios are responsible for collecting, reporting, and remitting any sales tax, service tax, VAT, or similar taxes that apply to the Classes they sell. SavaSync does not file taxes on your behalf and does not provide tax advice. Stripe provides 1099 forms to Studios per IRS rules; SavaSync does not generate separate 1099 forms.

10. International transactions

SavaSync currently operates in U.S. dollars. Studios that accept payments from international Students may receive funds in USD; the Student's card issuer handles any currency conversion. Stripe supports international payouts to some bank accounts; whether your bank can accept international payouts depends on Stripe's coverage for your country, which is documented at https://stripe.com/global.

11. Updates to this Disclaimer

We may update this Disclaimer when our payment integration changes. Changes take effect when we post them, and we will note the new effective date at the top. Material changes (a new payment processor, a change to how fees are calculated, a change to chargeback handling) will be announced by email and by an in-app notification at or before the time they take effect. A change to what we charge you is a fee change and follows the notice period in Section 8 of the Terms of Service.

12. Questions

For questions about payments on SavaSync: legal@savasync.com. For questions about Stripe specifically: https://support.stripe.com.