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Fee Schedule & User Payment Policy

Last Updated: July 25, 2024

This Fee Schedule & User Payment Policy applies to Users of Innovation Harvesters Inc. (d/b/a Homegrown) and/or its affiliates (collectively, “Homegrown”, “we”, “us”, or “our”) Services and is incorporated into Homegrown’s Terms of Service. As a user of the Homegrown Services, you may be required to pay fees (“Fees”) in certain instances as described below. As a Vendor or Market Coordinator, you may be entitled to receive payments (“Payments”) for selling goods and products through the Services as described below. By using the Services, you agree to be bound by this Fee Schedule & User Payment Policy and acknowledge that this constitutes a binding contract between you and Homegrown.

I. Fee Schedule

1. Subscription Fees.

Homegrown Vendors may purchase an upgraded subscription package offering an expanded set of features allowing you to sell your goods and products. Subscription fees are deducted from your current balance each month and reflected in your payment account. Where applicable, Homegrown may charge local taxes (e.g., sales taxes) on your monthly subscription Fee.

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Auto Renewal. Subscriptions are for a monthly period and will automatically renew each month. Payments will be deducted at the beginning of each subscription period. You may cancel your subscription at any time and you continue to have access to the Services until the end of the applicable subscription period. You will not be entitled to receive any refunds for amounts already paid.

2. Payment Processing Fees.

As a Vendor, you will be paid out in accordance with the Homegrown Payments described below when a Shopper purchases goods or products from you. Homegrown will charge a Payment Processing Fee each time money is sent to you. By using the Services, you agree that Homegrown may deduct the applicable Payment Processing Fees from the amounts being paid to you.

II. Homegrown Payments

Homegrown Payments allows Vendors or Market Coordinators to accept various forms of payments through the Homegrown Services via credit card or debit card.

1. Homegrown Payments Use and Restrictions.

Homegrown Payments is how Vendors and Market Coordinators receive funds for goods or products sold through the Services, and is required for Vendors and Market Coordinators selling through the Services. Homegrown Payments is only available to registered Vendors or Market Coordinators who have an active subscription with Homegrown. All Vendors and Market Coordinators registering for Homegrown Payments must be 18 years old and located in the US. Vendors may only use Homegrown Payments for the sale of items listed on Homegrown’s Services, and you agree to ship or otherwise deliver goods or products sold once the transaction is complete. Any other use of Homegrown Payments is strictly prohibited, and Homegrown reserves the right to terminate a User’s right to Homegrown Payments or the Services in general for any other use.

2. Homegrown Payment Benefits.

Shoppers, Vendors, and Market Coordinators benefit from Homegrown having visibility into payments made on Homegrown because it can make the Services easy to use and enables Homegrown to more effectively provide support to Users where relevant. It also can help reduce fraud and other types of misuse of the Homegrown Services.

3. Third-Party Payment Services.

Homegrown uses third-party service providers to offer payment services, such as Homegrown Payments, that may include identity verification, card processing, payment disbursements, fraud analysis, and regulatory compliance. Homegrown uses PayTheory, Plaid, and other licensed payment providers to facilitate transactions and other payments. Homegrown may share your personal or transactional information with those third-party service providers for these purposes. If we receive notice that you have violated any third-party service agreements, we reserve the right to take appropriate action, including but not limited to, canceling the transaction and suspending, disabling, or terminating your account.

4. Homegrown’s Rights and Responsibilities for Payments.

Homegrown Payments functionality may be made available, modified, or discontinued by us at any time without notice and is subject to the limitations in Homegrown’s Terms of Services.

As a security measure, we may impose transaction limits on Shoppers, Vendors, or Market Coordinators. For example, we may impose limits relating to the value of any transaction, deposit, or adjustment, or limits relating to the cumulative value of all transactions, deposits, or adjustments during a period of time. We may also impose limits related to the number of transactions per day or other period of time.

We will not be liable to a Vendor or Market Coordinator:

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If we do not proceed with a transaction, deposit, or adjustment that would exceed any limit established by us, or

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If we permit a Shopper to withdraw from a transaction.

Homegrown may refuse service of Homegrown Payments to anyone, for any reason, at any time. Homegrown reserves the right to decline or refund transactions that we believe to be high risk, fraudulent, in violation of trade sanctions, or otherwise in violation of Homegrown’s Terms of Service.

In the event that a Shopper does not make payment for the purchase of a legitimate item sold using Homegrown Payments (e.g., where the Shopper used a stolen or unauthorized credit card), Homegrown may, in its sole discretion, provide limited payment protection to the Vendor, in the interest of fairness.

Homegrown maintains records associated with transactions on Homegrown Payments and does not pass any secure data, including credit card numbers or bank account information, to any Vendors or Market Coordinators. Vendors and Market Coordinators will receive limited Shopper information necessary to complete the order.

5. Vendor/Market Coordinator Rights and Responsibilities

Payment Accounts. A payment account is a notional ledger that allows Vendors to track payment amounts, refunds, and fees related to transactions made through the Services. Vendors must provide accurate personal information as requested during registration and are responsible for maintaining and updating that information as necessary. Vendors will not impersonate any person or use any name they are not legally authorized to use. Vendors authorize us, and our authorized agents, to verify their information (at registration and on occasion when using the Services) by accessing public records and obtaining credit reports about the Vendors. Homegrown verifies Vendors’ information in order to safeguard the integrity of the marketplace and reduce the risk of fraud, money laundering, terrorist financing, and the violation of trade sanctions.

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Payment accounts are only available to individuals who are eligible to be Vendors on Homegrown’s Services and who have a valid credit or debit card on file with Homegrown, unless they are exempt from this requirement.

Disputes. Vendors agree to resolve any disputes directly with a Shopper or with the assistance of the dispute procedures available on Homegrown and in accordance with our Terms of Service.

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In the event that a dispute is escalated to Homegrown, Homegrown reserves the right to issue a refund to a Shopper and recoup such funds from the Vendor if a transaction is found to be in violation of Homegrown’s policies.

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In the event that a Shopper submits a chargeback, Homegrown will respond to the credit card networks on behalf of the Vendor involved in the transaction; the Vendor agrees to provide any requested information to us within five calendar days of the request.

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Homegrown reserves the right to recoup funds associated with Shopper chargebacks from the Vendor, including any associated fees.

Communications. We will inform Vendors of each transaction, or of other information pertaining to Homegrown Payments, using our standard communication procedures, including by email.

Refunds. Refunds or adjustments paid by Homegrown to Shoppers for payments made through Homegrown Payments may be initiated using the refund functionality in the Vendor's payment account for a period of 30 days after the purchase was made. The Homegrown Payments service does not have refund functionality after 30 days from the original purchase date. Any such funds paid by Homegrown to cover refunds will be deducted from the Vendor’s payment account balance. If there are insufficient funds to cover the amount of the refund, the balance will be charged to the Vendor’s card on file or added to the Vendor’s payment account. Refunds issued by Homegrown will be in the original form of payment, and if such payment is not available, a Homegrown credit will be issued.

6. Appointment of Homegrown as Limited Collection Agent for Vendors/Market Coordinators

Each Vendor appoints Homegrown as its agent for the limited purpose of receiving, holding, and settling payments to Vendor. Homegrown will settle payments that are actually received by Homegrown to each Vendor, less any amounts owed to Homegrown pursuant to the Terms. Each Vendor agrees that a Shopper payment received by Homegrown, on behalf of Vendor, satisfies the Shopper's obligations to make payment to Vendor, regardless of whether Homegrown actually settles such payment to Vendor. If Homegrown does not settle any such payments as described in these Terms to a Vendor, such Vendor will have recourse only against Homegrown and not the Shopper.

7. Deposits

Payment Account. All funds resulting from a completed transaction will be reflected as a balance in a Vendor’s payment account. Transactions are considered complete upon the payment being approved by Homegrown or our fraud analysis service provider. Any refunds, adjustments, or other amounts paid to Shoppers in connection with purchases, or for funds received since the last payment day, are also applied to the Vendor’s payment account balance.

Funds displayed in a Vendor’s payment account available balance are eligible for deposit into a Vendor’s bank account, subject to any applicable reserve(s) and corresponding reserve limit, hold, or deposit delay, as described below, and as otherwise determined by the Vendor’s bank.

For deposits below designated thresholds in certain markets, a deposit fee will apply. See below for details on deposit fees. A deposit minimum also applies to deposits in certain markets. Funds will only be available for deposit if they exceed the applicable deposit minimum.

Reserves; Holds and Delays. To protect the security and integrity of our Services, Users of the Homegrown services, and Homegrown, Homegrown may take account-level or transaction-level actions based on risk-based criteria. Some of our decisions about reserves, holds, and delays may be based on criteria that demonstrate a Vendor’s ability to fulfill orders in a manner consistent with Homegrown’s policies. These criteria are essential to our management of risk and the protection of Homegrown and our Users. Homegrown reserves the right to use a combination of reserves, deposit delays, and holds on your account.

Reserves.

Reserve is an amount of money pending settlement as indicated in your payment account. A Reserve will be placed on your account if we believe there may be a high level of financial risk associated with you, your account, your business model, or your transactions.

When a Reserve is applied to your payment account, it means that a percentage of the funds in your payment account balance is held on an ongoing basis, and will not be made available for disbursement as available funds for a specified period of time. The Reserve percentage applies to amounts from your sales that would otherwise be available for disbursement. The percentage Reserve applied to your account is determined by your risk level and is used to create a threshold amount (explained in detail below) that applies to your payment account balance while you are in Reserve. You’ll be notified by email if a Reserve is applied to your Payment Account. The email you receive notifying you that you are in Reserve will include details of the Reserve, including the period of Reserve and the percentage applied to your Payment Account.

Threshold Reserve Amount applicable to your Account

The threshold reserve amount is the amount of funds you must have in your Payment Account while you’re in Reserve before you’ll have money available to disburse to your bank account (the “Threshold Reserve Amount”). The Threshold Reserve Amount will maintain the percentage Reserve that has been applied to your account. As a result, it may increase and decrease as appropriate to reflect new activity in your payment account, like sales you’ve received, refunds and chargebacks, charges to your payment account where applicable, as well as Reserve amounts released to you. The Threshold Reserve will also determine the amount of funds available to be disbursed to your bank account as Available Funds and the amount of funds that are pending because they are still in Reserve. Funds in excess of the Threshold Reserve Amount are available to you for disbursement as described above. Funds below the Threshold Reserve Amount are your Reserved funds and are not available for disbursement until the end of the applicable Reserve period. If your Reserve funds are used to cover any charges and your Reserve funds fall below the Threshold Reserve Amount, funds from subsequent sales will be applied to your Reserve funds to help you meet and maintain your Threshold Reserve Amount. You can view your Threshold Reserve Amount, as well as any Reserved funds and funds available to you for disbursement (Available Funds), in your Payment Account.

Reserve funds will be used to address potential financial risk such as refunds, chargebacks, claims, or Vendor fees and charges, where your Available Funds do not sufficiently cover such charges. Reserve funds that are not used to address refunds, chargebacks, claims, or Vendor fees, where applicable, will be released to you in full at the end of the corresponding Reserve period on a rolling basis. However, Reserve funds will not be released if, during the Reserve period relating to a particular sale, a Shopper raises a case against you or files a chargeback, and you do not have sufficient funds in your Available Funds to cover a potential refund. Homegrown relies on different risk factors (and whether and how these factors have changed over time) to determine whether and how much of a Reserve should be applied to your payment account, including:

How long you’ve been in business on Homegrown (including how long since you’ve made your first sale)

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Details of your sales (including volume and average sales earnings)

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The extent of any backlog of orders from your shop

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Availability of shipping tracking information

Types of goods you sell (whether they’re ready to ship or made to order)

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Ratio of cases (disputes) opened by Shoppers in respect of your sales

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Suspensions or warnings already received

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Shipping status of active orders

Types of Account Reserves:

A fixed reserve is a fixed percentage of your payment account balance at the time a Reserve is placed on your account, which will be held for a specified period of time. After that, the same percentage of each of your subsequent sales will be held in Reserve, each for a specified period of time. Reserve funds will be held for such a period and where applicable, will be used to address chargebacks, refunds, and pay Vendor fees. Reserve funds will be released on a rolling basis after the corresponding Reserve period expires, unless a case is raised against you by a Shopper. Any funds above the Threshold Amount of your Reserve will be available to be disbursed as described above.

A variable reserve is a percentage of a Vendor’s payment account balance:

Delayed prior to being included as part of a Vendor’s Available Funds for a period of up to 180 days, or

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Deducted from a Vendor's payment account as a reserve for a period of up to 90 days.

A variable reserve may be placed on a Vendor’s payment account balance in addition to any applicable Fixed Reserve in Homegrown’s sole discretion. Account Reserves are placed on an account on a case-by-case basis, in reference to the factors listed above and other risk-based criteria, and are reviewed from time to time. Homegrown may deem a Vendor eligible for a reduction in the percentage or removal of a Reserve due to a change in our risk-assessment of a Vendor based on the factors listed above, or as a result of a Vendor’s positive performance, such as a reduction in cases or an improvement in the Vendor’s fulfillment of orders. Homegrown may increase the Reserve percentage held and/or the period for which the Reserve applies based on our re-review of a Vendor account against the factors listed above, and other risk-based criteria. If we change the terms of a Reserve due to a change in our risk assessment, we’ll notify you of the new terms.

In some cases, deposits to a Vendor's bank accounts could be temporarily delayed by an issue at Homegrown, Homegrown’s Third Party Service Providers, or a Vendor’s bank. We’ll do our best to communicate with any affected Vendor as soon as we can.

Separately, if we believe that a Vendor's actions may result in Shopper disputes, chargebacks, increased risk of fraud, counterfeiting, or other claims, then we may, in addition to any applicable Reserve and in our sole discretion, put a hold or deposit delay on the Vendor’s payment account balance.

A hold may be put on funds associated with a particular transaction if there is a dispute or investigation related to the order, for the shorter of:

180 days after the estimated delivery date, or

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Completion of any investigation regarding the Vendor’s actions.

Deposit delays are defined as the number of days between a sale and the day the net amount from the sale becomes available for deposit, provided the payment has been completed. A deposit delay may be between 0 and 180 days.

A deposit delay is applied across all transactions for a Vendor and the number of days is reflected in each Vendor’s payment account. If Homegrown places a hold or deposit delay on a Vendor’s account, we’ll do our best to communicate with the affected Vendor as appropriate as soon as we can. We always work hard to avoid and minimize any delays. However, please note that Homegrown is not obligated to refund any fees or reimburse any expenses due to holds or delayed deposits.

Scheduled Deposits. Homegrown will instruct our payments partners to initiate a deposit of a Vendor’s Available Funds into the Vendor’s bank account on a bi-weekly basis as long as the deposit amount meets applicable minimum deposit requirements. Deposits into a Vendor’s bank account will generally be credited within three (3) to five (5) business days from the date Homegrown initiates the deposit request. The actual timing of the deposit may depend on how quickly a Vendor’s bank processes the request.

Escheatment. If Homegrown cannot settle funds into a Vendor’s bank account, or the Vendor is refused service by Homegrown under Homegrown’s Terms of Service, the funds will remain with Homegrown and the balance remains available in the Vendor’s Payment Account. It is the Vendor’s sole responsibility to update their bank account information to receive the funds, if applicable. If a Vendor fails to update the information to claim the funds within a certain period of time, or Homegrown cannot release funds to the Vendor for compliance reasons, Homegrown will escheat the funds to the relevant government authority as required in order to comply with applicable escheatment laws.

8. Recoupment

We reserve the right, in our sole discretion, to seek reimbursement from a Vendor in any of the following circumstances:

1. We provide a refund to a Shopper because a Vendor did not promptly deliver the goods or we otherwise determine that a refund is warranted in a particular circumstance.

2. We discover erroneous or duplicate transactions related to a Vendor.

3. We receive a chargeback from a Shopper's credit card issuer or reversal of payment for the amount of a Shopper's purchase from a Vendor.

4. A Vendor does not act in accordance with Homegrown’s policies.

We may obtain reimbursement of any amounts owed by a Vendor to Homegrown by:

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Deducting from future payments owed to the Vendor,

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Reversing any credits to the Vendor’s payment account balance,

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Charging the Vendor's card on file,

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Charging the Vendor’s payment account,

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Seeking reimbursement from the Vendor by any other lawful means, including by using third-party collections services.

You authorize us to use any or all of the foregoing methods to seek reimbursement. Homegrown may suspend your selling privileges at any time pending payment of your outstanding balance.

9. Payment Processing Fees

Overview. As described above, Homegrown charges a fee (the “Payment Processing Fee”) for each transaction processed through Homegrown Payments. The fee amount will be assessed on the gross order amount, including shipping and tax (if applicable). Payment Processing Fees will be reflected in your Payment Account and will be deducted from the total amount of the payment at the time the payment is considered complete. We reserve the right to modify the Payment Processing Fee at any time. For deposits below designated thresholds in certain markets, a deposit fee will apply, as described in the table below. Deposit fees are deducted from your Available Funds and reflected in your payment account at the time of your scheduled deposit. In the event of any partial or full refunds credited back to a Shopper by a Vendor, the Payment Processing Fee and other applicable fees will be recalculated based on the adjusted sale price. The difference between the original Payment Processing Fee and the adjusted Payment Processing Fee will be applied to the refund amount being credited back to the Vendor. Other applicable fees will be refunded to the Vendor's payment account. Deposit fees will be refunded if the deposit is returned to a Vendor’s payment account. For clarity, for full refunds credited back to a Shopper that are covered by Homegrown, the Payment Processing Fee and other applicable fees (including without limitation: transaction fees, advertising fees, etc.) will not be credited back to the Vendor.

Interest. In the United States, Homegrown may earn interest (or other compensation) from the balances in our bank accounts because of the timing difference between our being paid by Shoppers and our paying Vendors (when our bank account is being debited to pay Available Funds in payment accounts to Vendors).

10. Reporting Obligations

Internal Revenue Service regulations require that we file a Form 1099-K to report unadjusted annual gross sales information for Vendors located in the United States or being paid in USD in certain circumstances. To comply with these regulations, Vendors will be required to provide taxpayer identification information to Homegrown.

11. Termination

Vendors may terminate this contract and their acceptance of Homegrown Payments at any time by canceling their subscription with Homegrown. Homegrown may also terminate or suspend a Vendor’s use of Homegrown Services at any time.

Upon termination, any non-disputed Available Funds will be deposited into a Vendor’s bank account or a Vendor’s Payment Account, as applicable. Homegrown reserves the right, upon termination of access to Homegrown Payments, to set off against any payments to be made to the Vendor, an amount determined by us to be adequate to cover any anticipated chargebacks, refunds, adjustments, or other amounts that might be paid to Shoppers in connection with purchases from the Vendor's payment account for a prospective 180-day period. At the end of the 180-day period following termination, we will disburse to the Vendor any amount not used to offset chargebacks, refunds, adjustments, or such other amounts paid to Shoppers, or seek reimbursement from the Vendor via any of the means authorized in this Policy for any additional amount required to offset chargebacks, refunds, adjustments, or other amounts paid to Shoppers, as applicable.

III. Taxes

Aside from the limited circumstances set out below, you are responsible for collecting and paying any taxes associated with using and making sales through Homegrown’s Services, including any fines, penalties, and/or interest assessed directly or indirectly on such taxes (even if retroactive). Please remember that Homegrown’s Fees do not include any withholding taxes that might apply and that you are required to pay Homegrown the full amount of Fees without deducting any applicable withholding taxes from the amounts owed. In certain circumstances, Homegrown may withhold taxes from Payments made to you to comply with applicable law.

Vendor Goods and Products listed on the Services. To comply with US tax laws, Homegrown will calculate, collect, and remit sales tax on your behalf for orders placed through the Services in the US.

US Sales Taxes on Subscription Fees. Where applicable, state sales tax will be applied to the subscription Fees charged by Homegrown.

United States Sales Tax We Collect and Remit From Shoppers. In most US states, as applicable, Homegrown will collect the sales tax amount from the Vendor or Market Coordinator and pay this to the relevant governmental entity.

Other Required Fees, Charges, and Levies. To the extent Homegrown is required by a governmental entity to collect other fees, charges, and levies, from Shoppers, Homegrown will charge those fees to the Shoppers at the time of purchase and remit the fees to the appropriate governmental entity.

Reporting of Vendor Information. Homegrown is required to and will report Vendor and Market Coordinator details and the details of transactions occurring through the Services to relevant governmental entities. This includes issuing a 1099-K form to certain Vendors or Market Coordinators to comply with IRS and applicable state requirements.