1.1 Understanding This Agreement

This Merchant Agreement is between you (the "Merchant") and InspireHUB. It sets out the additional rules and responsibilities that apply when you use IHUBApp's three payment-enabled features: Events (ticket sales and registrations), Paid Channels (subscription content access), and Giving (donation campaigns). These rules complement the IHUBApp Terms of Service and do not override it, except where a conflict exists — in which case this agreement controls.

When this agreement states that you "will" take an action, it is a requirement. When it states that InspireHUB "may" take an action, InspireHUB has discretion but is not obligated to do so. "Including" means "including but not limited to."

1.2 Who We Are

InspireHUB's corporate structure — including the three regional contracting entities (Canada, US, Australia) and their relationship to Gloo, LLC and Gloo Holdings, Inc. — is described in the IHUBApp Terms of Service, Part 1 (Welcome). InspireHUB is not a broker, agent, financial institution, creditor, or registered charity. The payment-enabled features within IHUBApp facilitate transactions between you and your customers. InspireHUB does not take possession of funds at any point in this process.

1.3 IHUBApp Merchant Services

The following three payment-enabled features are governed by this agreement:

• Events — create and sell tickets and registrations for events.
• Paid Channels — collect subscription fees that unlock access to specific content channels within your Hub.
• Giving — collect donations and payments towards specific campaigns.

All three features are powered by Stripe Connect. You must connect your own Stripe account to activate any of these features. Stripe conducts all identity verification and payment processing. Stripe's current processing fees are published at stripe.com/pricing.

Key Facts at a Glance

3.1 Stripe Connect Platform Structure

The Stripe Connect platform structure — including InspireHUB's role as platform operator, your role as a connected account holder, and the flow of Transaction funds directly to your Stripe account — is described in Section 2.4(e) of the IHUBApp Terms of Service. That section is incorporated here by reference.

By connecting your Stripe account to IHUBApp, you authorise InspireHUB to instruct Stripe to deduct the Platform Fee from each Transaction at the time it is processed, through Stripe's application fee mechanism.

3.2 Card Data and PCI DSS

InspireHUB does not store, process, or transmit payment card data at any point. InspireHUB interfaces with Stripe through tokenisation only and is entirely outside the cardholder data environment.

Your PCI DSS compliance obligations — including data security, monitoring, testing, documentation, training, and incident response — are set out in detail in Section 2.4(a)(ii) of the IHUBApp Terms of Service and arise from your direct use of Stripe's services.

3.3 Stripe's Role and InspireHUB's Limitations

Stripe is solely responsible for payment processing, fraud detection, identity verification, and payout management under your connected account. InspireHUB has no ability to hold, freeze, release, or redirect funds in your Stripe connected account; override Stripe's decisions regarding your connected account; or intervene in disputes or Chargebacks.

InspireHUB is not liable for any delays, failures, or decisions made by Stripe independently in connection with your connected account or the processing of Transactions. This limitation does not extend to loss or harm caused by InspireHUB's own acts or omissions in configuring or operating the Stripe Connect platform integration. InspireHUB's remedies under this agreement are access-based — limited to your access to IHUBApp platform features.

3.4 Subscriber Cancellation — Paid Channels

Subscribers to Paid Channels may cancel their subscription at any time through the IHUBApp interface or by contacting you as the hub owner. Cancellation stops future recurring charges but does not generate an automatic refund for the current billing period unless your stated refund policy provides otherwise. You are responsible for establishing and communicating a clear subscriber cancellation and refund policy, consistent with consumer protection laws applicable to the jurisdictions in which you operate, including the Consumer Protection Act, 2002 (Ontario), Australian Consumer Law, and applicable US state consumer protection statutes.

4.1 Fee Structure

InspireHUB charges a Platform Fee of 2.9% of the gross Transaction value on all Transactions processed through Events, Paid Channels, and Giving. There is no flat per-transaction charge in addition to this rate. The Platform Fee applies uniformly across all three features and does not include Stripe's own processing fees, which are governed by the Stripe Agreements and are separate from and in addition to this agreement (see stripe.com/pricing).

The Platform Fee is calculated and collected in the local currency of your Hub instance: Canadian dollars (CAD) for Canadian hubs, US dollars (USD) for US hubs, and Australian dollars (AUD) for Australian hubs. You set your own pricing for tickets, channel subscriptions, and giving campaigns.

The current Platform Fee rate is published at inspirehub.com/pricing. InspireHUB reserves the right to change the Platform Fee rate by providing at least 30 days' advance written notice to the email address registered to your account. The revised rate applies only to Transactions processed on or after the effective date. If you do not wish to accept the revised rate, you may cancel your use of payment features without penalty at any time during the 30-day notice period by notifying InspireHUB at support@inspirehub.com. Continued use after the effective date constitutes acceptance of the new rate.

4.2 Feature Discontinuation

InspireHUB may modify or discontinue any payment-enabled feature (Events, Paid Channels, or Giving) by providing at least 60 days' advance written notice to the email address registered to your account. Where discontinuation affects active recurring subscriber relationships under Paid Channels, InspireHUB will provide no less than 60 days' advance notice to allow you to migrate subscribers, communicate with affected Consumers, process refunds, or otherwise manage your Consumer relationships. InspireHUB's liability for feature discontinuation is limited to the terms of Section 12.

4.3 Non-Refundable Platform Fee

4.4 Taxes on the Platform Fee

The Platform Fee is exclusive of applicable taxes. Where InspireHUB is required to collect taxes on the Platform Fee — including GST/HST (Canada), GST (Australia), or other applicable indirect taxes — those taxes will be added and collected through Stripe. If you are a tax-exempt entity, you must provide InspireHUB with valid proof of exemption.

You are solely responsible for determining, collecting, and remitting all taxes applicable to the prices you charge your Consumers. Any tax tools available through Stripe are provided as a convenience and do not constitute legal or tax advice.

5.1 Refunds

You are the seller of all tickets, channel subscriptions, and campaign donations processed through your Hub. You are solely responsible for your refund policy and for processing refunds to your Consumers. You must establish a refund policy and communicate it clearly to your Consumers before they complete a Transaction.

Refunds may be initiated through the IHUBApp interface and are executed through your connected Stripe account. When you issue a refund, InspireHUB's 2.9% Platform Fee on the original Transaction is not refunded to you. InspireHUB has no obligation to process refunds on your behalf and is not a party to the transaction between you and your Consumers.

5.2 Chargebacks and Disputes

Disputes and Chargebacks are managed entirely between you, your Consumers, and Stripe through your connected Stripe account. Stripe will notify you directly of any dispute or Chargeback. InspireHUB does not receive Chargeback notifications, does not hold dispute-related funds, and is not involved in Chargeback resolution.

You are responsible for: responding to Chargeback notifications from Stripe within the timeframes specified in the Stripe Agreements; maintaining your Chargeback rate within the thresholds required by Stripe and applicable card scheme rules; and covering all costs associated with Chargebacks, including fees charged by Stripe in connection with disputes.

InspireHUB's 2.9% Platform Fee is not reversed in the event of a Chargeback. If Stripe suspends or terminates your connected account due to excessive Chargebacks or violations of the Stripe Agreements, InspireHUB has no ability to restore your access to payment features.

5.3 Consumer Complaints

You are the primary point of contact for your Consumers on all matters relating to Transactions, including product and service quality, event details, channel access, campaign use of funds, cancellations, and refunds. You must provide accessible contact information to your Consumers and respond to complaints promptly and professionally.

6.1 Lawful Use and Jurisdiction-Specific Obligations

General lawful use obligations — including the prohibition on unlawful, deceptive, or illegal activity and compliance with the Acceptable Use Policy — are set out in Sections 2.4(a)(i) and 2.4(b) of the IHUBApp Terms of Service. Those obligations apply equally to your use of Events, Paid Channels, and Giving. The following jurisdiction-specific obligations apply additionally to Merchants:

Canada Sanctions compliance. Canadian Merchants must comply with the Special Economic Measures Act (SEMA), the Justice for Victims of Corrupt Foreign Officials Act (FACFOA), the United Nations Act (Canada), and all other applicable Canadian sanctions programs.

Canada — CASL Canadian Merchants who use IHUBApp to send commercial electronic messages (including promotional emails or notifications to donors, ticket buyers, or channel subscribers) must comply with the Canada Anti-Spam Legislation (CASL). This includes: obtaining express or implied consent as required; identifying yourself as the sender in every commercial electronic message; providing a functioning unsubscribe mechanism; and honouring unsubscribe requests within 10 business days.

US US Merchants must comply with all applicable US federal and state consumer protection, privacy, and sanctions laws, including programs administered by the Office of Foreign Assets Control (OFAC, the US Treasury agency responsible for enforcing economic and trade sanctions).

Australia Australian Merchants must comply with the Autonomous Sanctions Act 2011 (Cth) and all programs administered by the Department of Foreign Affairs and Trade (DFAT).

6.2 Transaction Accuracy and Customer Support

Your obligations with respect to transaction accuracy, consumer communication, delivery, refunds, and customer support are set out in Sections 2.4(a)(iii) and 2.4(a)(iv) of the IHUBApp Terms of Service. Those obligations apply in full to all Transactions processed through Events, Paid Channels, and Giving.

6.3 Hub Configuration and Security

Your general security obligations — including securing your Hub and maintaining safe access practices — are described in Part 1, Section 3 of the IHUBApp Terms of Service. If you become aware that your Hub or payment account has been compromised, you must notify InspireHUB promptly at support@inspirehub.com so that InspireHUB can take steps to protect your payment configuration and Consumer data.

6.4 Regulatory Notifications

Your obligation to notify InspireHUB of any government inquiry or regulatory action related to your use of payment features is set out in Section 2.4(a)(i)(3) of the IHUBApp Terms of Service. Please contact support@inspirehub.com.

6.5 Giving Feature — Donor Data Responsibilities

When a Consumer makes a donation through the Giving feature, InspireHUB collects and stores the following within the Hub platform: first name, last name, email address, and phone number (optional). Donation payments are processed through your own Stripe connected account — InspireHUB never holds or receives the funds. Donations do not require a hub membership.

Donor name and email address are visible to you as the campaign organiser. As the data controller of this information, you are responsible for:

• having a lawful basis to collect donor personal information under applicable privacy law in your jurisdiction — including PIPEDA and applicable provincial legislation for Canadian Merchants; the Privacy Act 1988 (Cth) and Australian Privacy Principles for Australian Merchants; and applicable US federal and state privacy laws for US Merchants;
• providing donors with clear notice of how their information will be used at the time of donation;
• using donor information only for the stated campaign purpose, and not for other purposes without obtaining fresh consent; and
• complying with all applicable charity, fundraising, and privacy laws.

InspireHUB retains donor data collected through the Hub for three years from the date of the transaction, consistent with applicable anti-money laundering record-keeping requirements, chargeback dispute windows, and tax record retention obligations. After that period, InspireHUB deletes or anonymises the data.

Donors wishing to exercise privacy rights — including access, correction, or deletion — should contact you as the Hub Owner and data controller. You are the primary point of contact for donors on all privacy matters arising from your Hub-operated campaigns. Where InspireHUB's cooperation is needed to fulfil a verified request, you may reach us at privacy@inspirehub.com. This data is governed by the InspireHUB Data Processing Agreement.

DPA archive carve-out. For the avoidance of doubt, the post-termination archive and deletion provisions of the InspireHUB Data Processing Agreement (including the 12-month archive period) do not apply to donor data retained under this section. Such data shall be retained for the three-year period specified above regardless of the Hub's subscription status, and deleted or anonymised at the expiry of that period.

6.6 Events Feature — Ticket Buyer Data

When a Consumer purchases a ticket or registration through the Events feature, InspireHUB collects and stores the following within the Hub platform: first name, last name, email address, and phone number. For logged-in hub members, these fields are pre-populated from their profile. Ticket and registration purchases are processed through your own Stripe connected account — InspireHUB never holds or receives the funds. Ticket and registration purchases do not require a hub membership.

Ticket buyer personal information is controlled by you as the data controller. InspireHUB retains ticket buyer data collected through the Hub for three years from the date of the transaction, consistent with applicable anti-money laundering record-keeping requirements, chargeback dispute windows, and tax record retention obligations. After that period, InspireHUB deletes or anonymises the data.

Ticket buyers wishing to exercise privacy rights — including access, correction, or deletion — should contact you as the Hub Owner and data controller. You are the primary point of contact for ticket buyers on all privacy matters arising from your Hub-operated events. Where InspireHUB's cooperation is needed to fulfil a verified request, you may reach us at privacy@inspirehub.com. This data is governed by the InspireHUB Data Processing Agreement.

DPA archive carve-out. For the avoidance of doubt, the post-termination archive and deletion provisions of the InspireHUB Data Processing Agreement (including the 12-month archive period) do not apply to ticket buyer data retained under this section. Such data shall be retained for the three-year period specified above regardless of the Hub's subscription status, and deleted or anonymised at the expiry of that period.

6.7 Paid Channels — Subscriber Data

When you activate Paid Channels, InspireHUB stores the following within the Hub platform: for the hub owner — email address, Stripe account ID, and which administrator connected the account; for subscribers — first name, last name, email address, and Stripe customer ID. Subscription payments are processed through your own Stripe connected account — InspireHUB never holds or receives the funds.

InspireHUB does not store payment card data — card processing occurs entirely within Stripe's PCI DSS-certified environment. This data is governed by the InspireHUB Data Processing Agreement.

6.8 California Consumer Privacy

This section applies to Merchants whose Consumer interactions are subject to the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA). InspireHUB acts as a "service provider" under CCPA for Consumer personal data processed on your behalf. InspireHUB does not sell Consumer personal data and does not use it for cross-context behavioural advertising or for InspireHUB's own commercial purposes beyond operating and improving the IHUBApp platform. Merchants who are independently subject to CCPA/CPRA obligations are responsible for their own compliance, including required disclosures to California consumers and honouring consumer privacy rights. InspireHUB's service provider obligations are set out in the InspireHUB Data Processing Agreement.

7.1 Prohibited Merchants

You represent and warrant that you are not, and will not become, a resident, citizen, or entity in a jurisdiction subject to comprehensive sanctions, or an individual or entity designated on any sanctions list, including:

• US the Specially Designated Nationals (SDN) list or other lists maintained by the US Office of Foreign Assets Control (OFAC, the US Treasury agency responsible for enforcing economic and trade sanctions);
• Canada any list maintained under the Special Economic Measures Act (SEMA), the Justice for Victims of Corrupt Foreign Officials Act (FACFOA), or the United Nations Act (Canada);
• Australia any list maintained under the Autonomous Sanctions Act 2011 (Cth) and administered by the Department of Foreign Affairs and Trade (DFAT); or
• any consolidated list of financial sanctions targets maintained by HM Treasury (UK).

Stripe conducts identity verification and sanctions screening as part of Stripe Connect onboarding. You must notify InspireHUB immediately at support@inspirehub.com if your legal or sanctions status changes after activation. InspireHUB will suspend your access to payment features immediately upon such notification.

7.2 Prohibited Transactions

The full list of prohibited uses of IHUBApp's payment features is set out in Section 2.4(b) of the IHUBApp Terms of Service. In addition to those prohibitions, you must not process Transactions involving items categorised as "high risk" or restricted by Stripe, or process Transactions unrelated to Events, Paid Channels, or Giving.

7.3 Consequences

If InspireHUB determines that you have engaged in prohibited activity, InspireHUB may immediately suspend or terminate your access to payment features within IHUBApp. InspireHUB's remedies are limited to access to IHUBApp platform features — InspireHUB does not have the ability to freeze or withhold funds in your connected Stripe account.

8.1 Cancellation by Merchant

You may deactivate Events, Paid Channels, or Giving at any time through your IHUBApp account. Deactivating a payment feature does not affect your obligations with respect to Transactions processed prior to deactivation. Cancellation of your IHUBApp subscription is governed by the IHUBApp Terms of Service. This Merchant Agreement terminates automatically upon termination of your IHUBApp subscription.

8.2 Suspension and Termination by InspireHUB

InspireHUB may suspend or terminate your access to Events, Paid Channels, or Giving if:

• you breach any provision of this agreement or the IHUBApp Terms of Service that remains uncured for 30 days after written notice (or immediately for material breaches involving fraud, prohibited activity, or Security Incidents caused by or within the reasonable control of the Merchant);
• Stripe declines to process Transactions for you or terminates or restricts your connected account;
• you engage in prohibited activity as described in Section 7; or
• InspireHUB receives a legal process or regulatory requirement that necessitates suspension or termination.

InspireHUB will provide written notice of any suspension or termination where reasonably practicable.

8.3 Effect of Termination — Data and Records

Upon termination, you remain responsible for all obligations arising from Transactions processed prior to termination, including refunds, Chargebacks, and tax obligations. You may request a data export of your transaction history and Consumer data held by InspireHUB by contacting support@inspirehub.com within 30 days of the termination date. After that period, InspireHUB may delete or anonymise your Hub's data in accordance with the InspireHUB Data Processing Agreement, except where retention is required by applicable law. Sections 4.3, 5, 6.5, 6.6, 6.7, 9, 10, 11, 12, 13, 14, and 15 survive termination of this agreement.

8.4 Hub Ownership Transfer

The full process for transferring Hub ownership — including written notice requirements, InspireHUB's administrative role, data controller transition obligations, outgoing owner liability, and Stripe Connect account succession — is governed by Section 2.22 of the IHUBApp Terms of Service, which is incorporated here by reference. A Hub ownership transfer that involves active payment features requires the incoming Hub Owner to independently connect their own Stripe account before payment features can be activated in their name.

9.1 Dispute Resolution — All Instances

Before either party commences formal proceedings, the parties agree to attempt good-faith informal resolution. Either party may initiate this process by sending written notice to the other party describing the dispute in reasonable detail. The parties will have 30 days from such notice to resolve the dispute informally ("Negotiation Period"). If the dispute is not resolved within the Negotiation Period, either party may pursue formal remedies as specified for their Hub instance in the table above.

Australia For disputes governed by New South Wales law, if informal negotiation does not resolve the dispute within the Negotiation Period, the parties agree to attempt mediation before commencing court proceedings, unless injunctive or urgent relief is required. The mediator shall be agreed between the parties or, failing agreement within 14 days of the end of the Negotiation Period, appointed by the Australian Disputes Centre.

For disputes arising from the IHUBApp Terms of Service more broadly (rather than specifically from this Merchant Agreement), the dispute resolution provisions published in the IHUBApp Terms of Service at inspirehub.com/terms-conditions apply.

9.2 Arbitration and Class Action Waiver — US Merchants Only

Arbitration shall be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, as in effect at the time the claim is filed. The arbitration will take place in Denver, Colorado, or remotely by agreement of the parties. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Exceptions to arbitration: (a) either party may bring an action in small claims court for disputes within that court's jurisdiction; and (b) either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration. The filing of a court action for injunctive relief does not waive the right to arbitrate the underlying claim.

If any portion of this arbitration provision is found unenforceable by a court, the class action waiver and the obligation to arbitrate all remaining claims shall remain in full force and effect to the maximum extent permitted by law.

10.1 Your Tax Responsibilities

Your tax obligations in connection with Transactions — including the responsibility to determine, collect, report, and remit all applicable taxes (sales tax, use tax, VAT, GST/HST, amusement tax, and others) — are set out in Sections 2.4(a)(iii)(2) and 2.9(e) of the IHUBApp Terms of Service. InspireHUB does not provide legal or tax advice. For guidance on common tax scenarios, visit support.ihub.app.

10.2 EU VAT

EU VAT obligations — including the requirement to provide a valid VAT Identification Number and the applicable collection process — are set out in Section 2.9(e)(ii) of the IHUBApp Terms of Service. For clarity, VAT applies to InspireHUB's Platform Fee where required — not to the gross Transaction amount you charge your Consumers.

10.3 US Tax Reporting

If Transactions processed through your connected Stripe account exceed applicable IRS reporting thresholds, Stripe may be required to file a Form 1099-K with respect to your account. InspireHUB is not responsible for IRS reporting obligations arising from your Transaction activity — these are managed by Stripe in accordance with the Stripe Agreements and current IRS regulations.

10.4 Unclaimed Payouts

Your payouts are processed automatically to your connected Stripe account. If Stripe is unable to process a payout and you do not update your payout method within the timeframe required by applicable unclaimed property law, those funds may be transferred to the appropriate government authority. InspireHUB recommends maintaining an active and current payout method in your Stripe account at all times.

13.1 Controller and Processor Designation

For the purposes of applicable privacy legislation — including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation (Canada), the Privacy Act 1988 (Cth) and Australian Privacy Principles (Australia), and applicable US state privacy laws — the parties acknowledge the following roles with respect to Consumer personal data processed in connection with payment features:

• You (the Merchant) are the data controller — you determine the purposes for which Consumer personal data is collected and how it is used in connection with your Hub, events, campaigns, and channels.
• InspireHUB is the data processor — InspireHUB processes Consumer personal data only on your behalf, for the purposes of providing the platform features described in this agreement, and in accordance with the InspireHUB Data Processing Agreement.

InspireHUB does not process Consumer personal data for its own independent commercial purposes beyond operating and improving the IHUBApp platform. The InspireHUB Data Processing Agreement, incorporated herein by reference, governs the terms on which InspireHUB processes personal data as your processor.

13.2 Sub-Processors

InspireHUB uses the following categories of sub-processors to provide the platform infrastructure supporting payment features:

• Stripe, Inc. — payment processing, identity verification, and connected account management.
• Cloud infrastructure providers — hosting and storage of platform data within the applicable regional instance (Canada, US, or Australia).
• Email delivery providers — transactional notifications related to platform activity.

A current and complete sub-processor list is maintained as part of the InspireHUB Data Processing Agreement. InspireHUB will provide at least 30 days' advance notice before engaging a new sub-processor that materially affects the processing of Consumer personal data under this agreement. You may object to a new sub-processor by notifying InspireHUB at privacy@inspirehub.com within the notice period.

14.1 InspireHUB's Notification Obligation

InspireHUB will notify you without undue delay upon becoming aware of a confirmed Security Incident affecting Consumer personal data processed on your behalf. Where feasible, InspireHUB will provide initial notification within 72 hours of confirming the incident. That initial notification will include, to the extent then known:

• the nature of the Security Incident and the categories of personal data affected;
• the approximate number of individuals whose personal data was or may have been affected;
• the likely consequences of the Security Incident; and
• the measures InspireHUB has taken or proposes to take to address the incident and mitigate its effects.

Where a complete notification is not possible within 72 hours, InspireHUB will provide an initial notification and supplement it as further information becomes available.

14.2 Your Notification Obligations

As the data controller, you are solely responsible for determining whether a Security Incident triggers notification obligations to affected individuals and/or regulatory authorities under applicable privacy law, and for making those notifications in accordance with applicable requirements. This includes:

• Canada notification to the Office of the Privacy Commissioner of Canada (OPC) and to affected individuals where the breach poses a "real risk of significant harm," as required under PIPEDA and the Breach of Security Safeguards Regulations. Note: the applicable PIPEDA standard is "as soon as feasible" — there is no fixed 72-hour regulatory timeline under PIPEDA. The 72-hour target in Section 14.1 is InspireHUB's service level for notifying you (the Merchant) and does not define your own regulatory notification obligations;
• Australia notification to the Office of the Australian Information Commissioner (OAIC) and affected individuals within 30 days of becoming aware of an eligible data breach, as required under the Notifiable Data Breaches (NDB) scheme under the Privacy Act 1988 (Cth); and
• US notification to affected individuals and relevant state authorities in accordance with applicable US state breach notification laws, which vary by state.

You must also promptly notify InspireHUB at support@inspirehub.com if you become aware of any Security Incident originating from within your own Hub configuration or account access.

14.3 InspireHUB's Security Standards

InspireHUB maintains reasonable and appropriate technical and organisational security measures designed to protect Consumer personal data processed on behalf of Merchants against unauthorised access, disclosure, loss, and destruction. These measures are consistent with industry standards applicable to SaaS platforms processing payment-related data and include, at minimum: access controls, encryption of data in transit and at rest, regular security assessments, and incident response procedures.

InspireHUB does not guarantee that its security measures will prevent all Security Incidents. InspireHUB's liability for Security Incidents is limited to the terms of Section 12 and is subject to InspireHUB's obligation to maintain the security standards described in this section.