Active Locals App
Payment Terms And Conditions

The following payment terms and conditions (the "Payment Terms") are a legal agreement between you ("you"), as a Group Organiser or participant in an event, and The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746 of 403 George Street, Sydney NSW 2000, Australia (“HCF”, "we", "our", "us”). They form part of and should be read together with the Active Locals Terms of Use, the provisions of which apply to payments made under these Payment Terms. They should also be read together with the HCF Group Privacy Policy (www.activelocals.com.au/privacy). In the case of conflict between these Payment Terms and the Terms of Use, these Payment Terms prevail for payment-related matters. Please read these Payment Terms carefully before using the Active Locals mobile application (App) to charge for an event or make a payment to attend an event.By charging for an event or making a payment to attend an event, you agree to be bound by these Payment Terms. If you do not agree to these Payment Terms, please do not charge for an event or make a payment to attend an event.

1. FREE AND PAID EVENTS

1.1 Events may be offered as either free events or paid events at the discretion of Group Organisers.

1.2 Free events remain free for participants and no payment is required to book or attend such events.

1.3 The cost of paid events is determined by Group Organisers and displayed in the App as an event fee (Event Fee) prior to booking.

1.4 The minimum Event Fee that a Group Organiser can charge for a paid event through the App is $5.00.

2. PAYMENT PROCESSING THROUGH STRIPE

2.1 All payment processing is handled by Stripe Payments Australia Pty Ltd (ABN: 66 160 180 343) ("Stripe").

2.2 When booking a paid event as a participant, you will be directed to Stripe's secure payment interface to provide payment details.

2.3 By proceeding with payment, you agree to Stripe's Services Agreement and Privacy Policy, available at stripe.com.

2.4 Upon confirmation of your booking, Stripe will charge your nominated payment method: 

(a) the Event Fee as displayed in the App; and 

(b) a non-refundable booking fee of $1.00 per event payable to us to cover platform costs (Booking Fee).

2.5 We do not store or have access to your credit card or bank account details - these are securely held by Stripe.

3. PAYMENT CONFIRMATION AND RECEIPTS

3.1 You will receive payment confirmation immediately upon successful processing of your payment.

3.2 Electronic receipts will be provided through the App and/or via email.

3.3 For payment disputes or transaction queries, you should contact Active Locals or Stripe (see section 17 of these Payment Terms below).

4. CANCELLATION AND REFUNDS

4.1 Participant-Initiated Cancellations: 

(a) You may cancel your booking through the App at any time up to 24 hours before the scheduled event start time for a full refund of the Event Fee. 

(b) No refund will be payable for cancellations made less than 24 hours before the event start time. 

(c) Refunds for eligible cancellations will be processed through Stripe to your original payment method within 5-7 business days.

4.2 Escrow Period and Post-Event Refund Claims: 

(a) Payments of Event Fees are held in escrow by Stripe for 48 hours after the scheduled event start time to allow for refund claims.

(b) During this 48-hour Refund Window, you may submit a refund claim if the event: 

(i) did not proceed; 

(ii) was significantly different from the advertised description (including wrong time, location or activity); 

(iii) had unsafe conditions that prevented safe participation; 

(iv) was rescheduled and you could not attend the new time; or 

(v) was otherwise materially unsuitable for the advertised purpose.

(c) Refund claims must be submitted through the App with details of the grounds for the claim.

(d) We will take reasonable steps to investigate refund claims and to consult with the relevant Group Organiser before making a determination. That decision will be made in good faith but is otherwise at our absolute discretion.

(e) We will tell you our decision on a refund claim as soon as practicable after it has been made. Our decision will be final and no further correspondence will be entered into in relation to it. You also agree that we will have no liability to you in relation to a decision made by us in relation to your refund claim. 

(f) A decision made by us with respect to your refund claim will not alter any rights you may have with respect to the Group Organiser, including under the Australian Consumer Law. If you have continuing concerns following a determination by us, you should address those to the Group Organiser. 

(g) If a refund is approved, the full amount paid for the Event Fee will be refunded through Stripe to your original payment method within 5-7 business days. The Booking Fee is non-refundable.

4.3 Late Refund Claims: 

(a) If you wish to claim a refund more than 48 hours after the scheduled event start time, that should be directed to the Group Organiser. 

5. CONSUMER RIGHTS

5.1 Nothing in these Payment Terms excludes, restricts or modifies your rights under the Australian Consumer Law, including your rights to refunds for services not provided or services that are different from their description.

5.2 If there is any inconsistency between these Payment Terms and your rights under Australian Consumer Law, your consumer law rights will prevail to the extent of the inconsistency.

PART B - GROUP ORGANISER PAYMENT TERMS

6. FREE AND PAID EVENTS

6.1 Group Organisers may offer events as either free events or paid events.

6.2 The minimum Event Fee you can charge for a paid event through the App is $5.00.

7. STRIPE ACCOUNT REQUIREMENTS

7.1 To create paid events, a Group Organiser must: 

(a) create and maintain a Stripe Connect account through the Active Locals App; 

(b) provide accurate identification and bank account details to Stripe; 

(c) comply with Stripe's Services Agreement, Privacy Policy, and Connected Account Agreement; and 

(d) meet Stripe's eligibility requirements for Australian account holders.

7.2 You acknowledge that Stripe may conduct verification checks in relation to the steps set out in clause 6.2 and may require additional documentation.

7.3 You are responsible for ensuring your Stripe account remains in good standing and your bank account details are current.

7.5 Active Locals is not responsible for Stripe account suspensions, limitations, or compliance issues.

8. PAYMENT PROCESSING AND FEES

8.1 We will collect all Event Fee payments through Stripe on your behalf.

8.2 We charge a platform fee of 4.0% of Event Fees received from participants (Platform Fee), provided that this fee is not payable on any Event Fees refunded to participants or on our $1.00 Booking Fee.

8.3 Our Platform Fee covers all our costs including: 

(a) Payment processing through Stripe; 

(b) Dispute resolution services; 

(c) Platform maintenance and security; 

(d) Customer support; and 

(e) Refund processing administration.

8.4 You will not be charged any additional fees by Stripe directly - all payment processing costs are covered by our Platform Fee.

9. ESCROW AND PAYOUT SCHEDULE

9.1 Event Fee payments are held in escrow by Stripe for 48 hours after each event's scheduled start time to allow for refund claims by participants.

9.2 After the 48-hour Escrow Period expires, and subject to the terms below, Stripe will transfer funds to your nominated bank account according to your Stripe account payout schedule (typically 2-7 business days).

9.3 The payout amount will be the total Event Fees collected, less: 

(a) any refunds made up to 24 hours before the scheduled event start time; 

(b) any refunds made following our determination of claims made during the Escrow Period of 48 hours after the scheduled event start time; and 

(b) any Event Fee amounts the subject of claims made during the Escrow Period which are pending resolution; and

(c) our 4.0% Platform Fee on the remaining Event Fees.

9. ACCOUNT DEFICIT MANAGEMENT

9.1 If refunds are processed that exceed your available balance, your Group Organiser account may go into deficit.

9.2 Deficit Limitations: (a) Your account deficit cannot exceed $100; (b) If your account reaches a deficit of $100, you will be unable to create new paid events until the deficit is resolved; (c) Future payouts will be applied to reduce any deficit before being transferred to your bank account.

9.3 Deficit Resolution: (a) Deficits will automatically resolve through future event payments; (b) You may voluntarily pay down deficits by contacting our support team; (c) Accounts with deficits exceeding 90 days may be suspended pending resolution.

10. REFUNDS AND DISPUTES

10.1 You acknowledge and agree that participants in your events have a right to cancel their booking through the App, and receive a refund of the Event Fee at any time up to 24 hours before the scheduled event start time, as set out in clause 4.1.

10.2 You also agree that participants may submit a refund claim during the Escrow Period of 48 hours after the scheduled event start time and that we may investigate those claims and make a determination in good faith, but otherwise at our absolute discretion, as set out in clause 4.2. 

10.3 When a participant submits a refund claim during the Escrow Period, we will: 

(a) notify you of the claim within 24 hours, along with the reasons the participant gave for seeking a refund; 

(b) provide you with an opportunity to respond within 24 hours, including to tell us if you agree with the refund claim; 

(c) take reasonable steps to investigate the circumstances; 

(d) make a determination; and

(e) tell you our decision on the refund claim as soon as practicable after it has been made.

10.4 You agree that:

(a) our decision on a participant’s refund claim will be final and that no further correspondence will be entered into in relation to it;

(b) we will have no liability to you in relation to a decision made by us in relation to a refund claim; and

(c) a decision made by us with respect to a refund claim will not alter any rights you may have with, or obligations you may owe to, the participant including under the Australian Consumer Law, and that our decision does not preclude the participant from raising further concerns with you.

10.5 Refund Processing: 

You agree that:

(a) if a participant cancels their booking through the App up to 24 hours before the scheduled event start time, we will process a refund of the Event Fee; and 

(b) if we determine to refund the Event Fee based on a participant’s claim during the Escrow Period, we will process a refund of that amount to the participant from escrowed funds. 

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10.4 Chargeback Protection:
(a) Stripe provides chargeback protection for eligible transactions; (b) You must respond promptly to any chargeback disputes; (c) Unresolved chargebacks may result in account deficits.

11. GROUP ORGANISER OBLIGATIONS

11.1 You must: 

(a) deliver events as advertised in the App; 

(b) ensure events are conducted safely and in accordance with applicable laws; 

(c) notify participants promptly of any material changes to event details; 

(d) comply with all applicable health, safety, and licensing requirements; 

(e) maintain appropriate insurance coverage for your activities; 

(f) handle participant communications professionally and promptly; and 

(g) cooperate with refund investigations and dispute resolution processes.

11.2 You must not: 

(a) collect additional payments from participants outside the App/Stripe system; 

(b) advertise events that you do not intend to conduct; 

(c) materially change event details without updating the App listing; 

(d) engage in fraudulent, misleading, or unsafe conduct; or 

(e) attempt to circumvent the payment processing system.

12. ACCOUNT SUSPENSION AND TERMINATION

12.1 We may suspend or terminate your Group Organiser account if: 

(a) your Stripe account is suspended or terminated; 

(b) you breach these Payment Terms or our general Terms of Use; 

(c) your account deficit exceeds $100 or remains unresolved for 90+ days; 

(d) we reasonably suspect fraudulent or unsafe activity; or 

(e) we are required to do so by law or at Stripe's direction.

12.2 Upon account suspension or termination: 

(a) you cannot create new paid events; 

(b) existing event bookings remain valid unless cancelled; 

(c) outstanding deficits remain payable; and

(d) final payouts will be processed according to these Payment Terms and Stripe's terms.

PART C - GENERAL PAYMENT TERMS

13. GEOGRAPHIC LIMITATIONS

13.1 Payment processing services are currently limited to: 

(a) Participants with Australian credit/debit cards or payment methods; 

(b) Group Organisers who are Australian residents with Australian bank accounts; and 

(c) Events conducted within Australia.

14. TECHNICAL ISSUES AND SERVICE INTERRUPTIONS

14.1 We are not liable for payment processing failures caused by: 

(a) Stripe system outages or technical issues; 

(b) bank or payment network failures; 

(c) internet connectivity problems; or 

(d) Force majeure events (see clause 20 below).

14.2 In case of technical issues, we will work with Stripe to resolve problems promptly and communicate with affected users.

15. FRAUD PREVENTION AND SECURITY

15.1 Stripe provides fraud detection and prevention services.

15.2 Suspicious transactions may be flagged, delayed, or declined by Stripe's fraud prevention systems.

15.3 You must immediately notify us of any suspected fraudulent activity.

15.4 We reserve the right to suspend accounts pending fraud investigations.

16. DATA AND PRIVACY

16.1 We do not store payment card details or bank account information.

16.2 Payment data is securely processed and stored by Stripe in accordance with PCI DSS standards.

16.3 Transaction data may be shared between Active Locals and Stripe for: 

(a) Payment processing and reconciliation; (b) Fraud prevention and dispute resolution; (c) Compliance with legal obligations; and (d) Platform analytics and improvements.

17. DISPUTE RESOLUTION

17.1 For payment-related disputes, you should first contact: 

(a) us at payments@activelocals.com.au for Active Locals platform-related issues; or 

(b) Stripe support for payment processing, account, or technical issues.

17.2 We will endeavour to resolve platform-related payment disputes within 10 business days.

18. TAXATION

18.1 Group Organiser Tax Obligations: 

(a) IMPORTANT: Before creating your first paid event, you acknowledge that you understand you are responsible for all tax obligations arising from Event Fees and payments received through the platform. This may include income tax, GST (if your annual turnover exceeds $75,000), and other applicable taxes.

(c) We strongly recommend consulting a qualified tax professional or visiting ato.gov.au for guidance on your obligations.

(d) We may provide transaction summaries to Group Organisers to assist with tax reporting, but this does not constitute tax advice.

18.2 GST Treatment: 

(a) Event Fees set by Group Organisers may include GST where applicable. 

(b) Our Platform Fee includes GST.

19. CHANGES TO PAYMENT TERMS

19.1 We may amend these Payment Terms from time to time by providing notice through the App or via email. We will provide 30 days’ notice of any change, unless it is impractical to do so. 

19.2 Changes to fee structures will not apply to events already booked prior to the end of the notice period.

19.3 Continued use of paid event features after the end of the notice period constitutes acceptance of the updated terms.

20. FORCE MAJEURE

20.1 We will not be liable for payment-related delays or failures caused by circumstances beyond our reasonable control, including: 

(a) Natural disasters, extreme weather, or public health emergencies; 

(b) Government restrictions or regulations; 

(c) Banking system failures or payment network outages; 

(d) Internet infrastructure failures; or 

(e) Acts of terrorism or civil unrest.

20.2 If we are affected in this way, we will make reasonable efforts to mitigate any impacts and resume normal operations.

21. DEFINED TERMS AND INTERPRETATION

21.1 In these Payment Terms:

• “Booking Fee" means the non-refundable $1.00 fee payable by a participant to us set out in clause 2.4 above.
• “Deficit” means a negative balance in a Group Organiser's account.
• “Escrow Period” means the 48-hour period after the event start time during which event payments are held.
• “Event Fee” means the cost of a paid event set by the Group Organiser.
• “Group Organiser” means the host of an event.
• “Platform Fee” means the 4.0% fee payable by the Group Organiser to us set out in clause 8.2 above.
• “Refund Window” means the 48-hour period after the event start time for submitting post-event refund claims.
• “Stripe” means Stripe Payments Australia Pty Ltd,

21.2 All references in these Payment Terms to dollar amounts are to Australian dollars and include GST where applicable.