Provider Marketplace Payment, Refund and Payout Agreement

This version governs future in-app collection, refunds, disputes, provider balances and payouts for venue and service bookings on What's My Plans (WMP). It is published for operational implementation and South African counsel review. Counsel approval is not yet recorded. WMP must not activate provider collection or payouts until that approval and the required payment controls are recorded. For a participant, these terms apply prospectively only when WMP presents this exact version before a money action and the participant accepts it electronically. An earlier request, quote or marketplace acceptance does not authorise WMP to collect or pay out money under this version.

WMP records the agreement key, version, accepting profile, role, time, source screen and proportionate device or app evidence. The accepted quote, commercial rate, tax treatment, cancellation policy and legal versions are snapshotted with the booking. Later changes apply only to future actions that require the changed version. Historical acceptances, invoices, ledger entries, refunds and booking records are not rewritten.

The provider, not WMP, is the supplier and principal for the booked venue or service. WMP acts as a disclosed booking and collection agent and provides marketplace, checkout, record-keeping, support and payout administration. The provider remains responsible for the lawful supply, performance, staff, equipment, permits, licences, insurance, safety, provider invoices and taxes. WMP is not the provider's employer, partner, joint venturer, insurer or guarantor.

The server derives the payable amount from the accepted quote snapshot and current effective schedules; a client-supplied total is never authoritative. Before payment, the host must see the provider subtotal, provider VAT where applicable, WMP charges, payment-processing charge and total. WMP commission is calculated on the accepted provider subtotal after discounts and excluding provider VAT, WMP charges, processing charges and refunded amounts. The applicable commission rate is snapshotted and cannot be changed retrospectively. No Peach or other processing fee is hardcoded unless supported by WMP's signed current schedule.

A VAT-registered provider must give WMP accurate legal and VAT details, state provider VAT separately in the quote and issue any invoice required for the underlying supply. The provider remains responsible for declaring and paying its own VAT, income tax and other taxes. WMP accounts separately for tax on WMP's commission and other WMP supplies according to WMP's effective tax status. VAT charged by a payment processor on the processor's fees does not settle VAT that may apply to WMP's commission or the provider's supply.

A host payment is not treated as settled merely because checkout starts or a browser returns success. WMP records collection only after a verified, idempotently processed payment-provider confirmation. The provider's proceeds are recorded as a payable liability owed by WMP to the provider, not as WMP revenue. WMP recognises only its commission and other WMP charges as WMP revenue. The ledger records the host collection, provider payable, WMP commission, processing amount and later refund, dispute, chargeback, recovery and payout entries separately.

Collected provider proceeds remain pending. A provider has no immediate right to payout merely because a host paid. Funds remain subject to settlement confirmation, fraud and chargeback checks, identity and bank verification, event completion, the post-event hold, cancellation and refund rights, disputes, applicable law and payment-provider rules. WMP must keep provider money identifiable in its accounting and may not treat the provider payable as general sales revenue.

The cancellation policy version accepted with the booking applies, subject to law. A cancellation charge is never automatic and must be reasonable in the circumstances. Relevant factors may include the nature of the supply, notice given, work already performed, reasonable non-recoverable commitments, customary practice and the provider's reasonable ability to replace the booking. No cancellation charge may be imposed for the applicable death or hospitalisation case, although proportionate proof may be requested. If the provider cancels or fails to deliver the accepted supply, the host owes no host-cancellation charge for that non-delivery.

WMP may pause settlement, request proportionate evidence and process a full or partial refund or another lawful remedy where the booking, law, payment-provider rules or an agreed resolution requires it. Refunds normally return through the supported original payment path. WMP does not promise that a provider payout rail can itself be reversed or used as a refund rail. A pending refund, dispute, chargeback or suspected fraud blocks payout. WMP records every decision, amount and reason and does not deduct an unsupported amount merely because one party alleges a loss.

Subject to operational approval, provider proceeds become eligible for payout only after event completion plus the displayed hold period, currently intended to be at least 48 hours, and only when no active cancellation, refund, dispute, chargeback, fraud, KYC, bank-verification or payment-provider hold exists. Eligibility is not a guarantee of a particular bank-arrival time. WMP may extend a hold only for a documented legal, payment, fraud, safety, reconciliation or dispute reason.

Payouts require a verified bank account owned or lawfully controlled by the provider. The provider must check its details before submission. A payout submitted to the payment provider may be irreversible and may not be recallable. Failed payouts may incur payment-provider charges, but WMP may pass through a failed-payout charge only when the amount and basis are supported by the signed current provider schedule, disclosed before payout and permitted by law. WMP may offset or recover an amount only for a documented refund, chargeback, reversal, duplicate payment, fraud, overpayment or other amount authorised by these terms or law.

Once in-app settlement is enabled, a verified venue or service provider must use it for a WMP-originated booking. A participant must not mislabel, split or redirect a booking to avoid a disclosed fee. Proportionate responses may include a warning, badge suspension or marketplace removal after review. WMP will not automatically inspect private messages, fabricate an off-platform sale or automatically charge a fee that is not supported by a verified transaction, an accepted agreement or law.

Where the product allows external settlement, both parties must confirm the record. WMP does not collect the money, recognise commission, hold provider proceeds, provide payment protection, operate the refund or chargeback path, or promise payout support for that external payment. An external-settlement record is evidence supplied by the parties and is not a WMP guarantee that payment occurred or the service was delivered.

Hosts and providers must provide accurate event, scope, attendance, access, tax, identity, banking and delivery information and promptly report cancellation, postponement, non-delivery or a material dispute. WMP may request proportionate messages, accepted quotes, invoices, delivery evidence, photographs, attendance records or other relevant information. False evidence, payment manipulation, impersonation and fraudulent chargebacks may result in restriction, recovery action and lawful reporting.

WMP may process and retain booking, identity, tax, payment, bank-verification, communication, fraud and dispute information to perform the agreement, keep accounting and tax records, reconcile payment-provider reports, protect participants and comply with law. Access is limited according to role and need. Records may be shared with the booking counterparty, payment providers, banks, verification providers, insurers, professional advisers, regulators, courts or law enforcement where reasonably necessary and lawful.

Each participant is responsible for losses caused by its breach, negligence, unlawful conduct, false information or failure to deliver the accepted booking. To the maximum extent permitted by law, WMP is not responsible for the provider's underlying performance, the host's event, indirect or consequential loss, or delay outside WMP's reasonable control. Nothing excludes a right or liability that cannot lawfully be excluded, including applicable rights under the Consumer Protection Act.

WMP may suspend collection or payout where reasonably necessary for legal, payment, fraud, safety, reconciliation or platform-integrity reasons. Closing an account does not cancel an existing booking, provider payable, refund, dispute, recovery, record-retention duty or accrued right. Material changes require a new version and fresh acceptance before future affected money actions.

These terms are governed by the laws of the Republic of South Africa. They remain pending South African counsel review and must not be represented as counsel-approved until WMP records that approval. Nothing prevents a consumer from using a court, regulator, ombud or other lawful remedy. Legal and support notices may be sent to legal@whatsmyplans.com.