Provider Agreement

This Provider Agreement ("Agreement") is between Ten Dollars, LLC ("Ten Dollars, LLC," "we," "us," or "our"), and the camp provider organization ("Provider," "you," or "your") that accepts this Agreement through the Ten Dollars, LLC platform at kiddinglab.com (the "Website").

By signing this Agreement through the Website, you confirm that you are authorized to act on behalf of your organization and that you agree to be bound by all terms set forth below.

1. Relationship of the Parties

Provider is the merchant of record and seller of record for all camp session bookings made through the Website. Ten Dollars, LLC operates the Platform — the listing, booking, and checkout software through which parents find and book Provider's sessions — and collects a service fee from parents for that service. Ten Dollars, LLC does not receive, hold, or control Provider's funds — parents' payments are processed on Provider's own Stripe account and settle directly to Provider — does not set the prices of Provider's sessions, and does not purchase, resell, or take title to camp sessions. The relationship between Ten Dollars, LLC and Provider is that of independent contractors — nothing in this Agreement creates a partnership, joint venture, employment, or agency relationship.

2. Payment Processing

a. Stripe Connect

You agree to create and maintain a Stripe account connected to the Website through Stripe Connect, with full Stripe dashboard access, linked to your provider account on the Website. Your use of Stripe Connect is subject to Stripe's Connected Account Agreement and Stripe Services Agreement. Ten Dollars, LLC is not responsible for Stripe's operations, downtime, or policy changes.

b. Payment Methods

The Website accepts card and bank transfer (ACH) payments from parents for your sessions; charges are processed on your Stripe account. You agree that all payments for your camp sessions will be processed through the Website and Stripe Connect.

c. Transaction Flow

When a parent books one of your camp sessions:

1. The parent reviews the total price at checkout — your session price, any tax you have configured, any discount (see Section 3(c)), and Ten Dollars, LLC's service fee (see Section 3) — and authorizes payment.
2. The charge is created directly on your Stripe account. You are the merchant of record for the charge: you pay Stripe's processing fees on it, and it appears on the parent's bank or card statement under your statement descriptor, not Ten Dollars, LLC's.
3. Ten Dollars, LLC's service fee — 1.5% of the session price, paid by the parent on top of your price — is collected from the charge as a Stripe application fee. It is never deducted from your session price.
4. Funds settle to your Stripe account balance and pay out to your linked bank account on your Stripe payout schedule, as determined under your agreement with Stripe (see Section 4). Ten Dollars, LLC does not initiate, delay, or control your payouts.

To complete transactions the parent has authorized — including bookings of multiple camps in one checkout and later balance payments — the parent's payment credentials and bank-debit authorizations (ACH mandates) may be shared (cloned) by our payment processor to your Stripe account, solely to complete those transactions.

Your Stripe relationship. Payment processing, settlement and payout timing, refund mechanics, dispute procedures, account requirements, and processing rates are governed by your own agreement with Stripe (including the Stripe Connected Account Agreement) and by applicable card-network and NACHA rules. Ten Dollars, LLC is not a party to your agreement with Stripe, has no control over that agreement or over Stripe, and Stripe may change its processes, rates, and requirements under that agreement. Descriptions of Stripe's processes in this Agreement reflect Ten Dollars, LLC's understanding as of the effective date, are provided for convenience, and are not representations or commitments by Ten Dollars, LLC about what Stripe does or will do.

3. Fee Structure

a. Service Fee

Ten Dollars, LLC charges the parent a service fee of 1.5% of the session price on every booking, regardless of payment method. The fee is added on top of your price, itemized to the parent at checkout and on receipts, and collected via Stripe less a processing rebate (see Section 3(b)); the amount the parent pays is always the full 1.5%. It is never deducted from your session price.

b. Processing Costs

As merchant of record, you bear all payment processing costs at the rates set under your agreement with Stripe (currently Stripe's standard published rates), including card processing fees, bank transfer (ACH) fees, instant bank verification fees, and any other Stripe charges on your account. Because Stripe's processing fees apply to the full charge amount, they include the portion of the charge representing the service fee and any collected tax. Because Stripe's percentage fees apply to the portion of the charge representing our service fee, we reduce our application fee by 2.9% of the service fee on card transactions and 0.8% on bank-transfer transactions (Stripe's current standard percentage rates; if Stripe changes its rates, Ten Dollars, LLC may adjust these rebate percentages to match under Section 3(h)) — so processing our service fee costs you nothing, and your card processing cost never exceeds what Stripe would charge you for a direct payment of your own price (up to a cent of rounding, resolved in your favor).

When a single checkout includes bookings from multiple providers and the parent pays by bank transfer, instant bank verification runs once on Ten Dollars, LLC's Stripe account, and Stripe bills that one verification fee to Ten Dollars, LLC rather than to you. Ten Dollars, LLC recovers it by adding your booking's proportionate share (allocated across the checkout's bank-paid bookings in proportion to each booking's bank transfer discount offer under Section 3(c)) to the application fee on your booking. Your share never exceeds what Stripe would have charged you had the verification run on your own account, and the same share reduces the parent's bank transfer discount under Section 3(c).

c. Bank Transfer Discount

To steer payments toward the lower-cost bank rail, parents who pay by bank transfer (ACH) receive a discount, funded by you: it reduces your top-line price, but should not decrease your proceeds, because it accounts for actual ACH-fee-related costs and is capped at 2%. For most bookings over $102, it should increase your proceeds due to the lower fees charged for ACH transactions. The discount equals the greater of $0 and 2% of the ACH-paid principal, minus verification and similar processing costs known at checkout (currently Stripe's instant bank verification fee, where it applies). "ACH-paid principal" means the portion of the session price actually paid by bank transfer: a booking paid partly by card and partly by bank transfer earns the discount only on the bank-paid portion. The service fee is computed on the undiscounted session price.

d. Trailing Costs

ACH failure and return fees, dispute fees, and disputed amounts are your responsibility as merchant of record. Stripe charges them to your account when they occur, and they are never offset against the bank transfer discount or the service fee.

e. Chargebacks

As merchant of record, you respond to and bear payment disputes (chargebacks) through your Stripe account, including the disputed amount and Stripe's dispute fee. When a dispute on a booking is lost and Ten Dollars, LLC can identify the affected booking, Ten Dollars, LLC will return the service fee it actually collected (net of the processing rebate described in Section 3(b)) to you or to the customer that initiated the dispute, as Ten Dollars, LLC determines to be appropriate, in the same proportion as the disputed amount, so that its fee is not retained on a disputed payment.

f. Tax Collection

You are responsible for setting the appropriate tax rate for your camp sessions. The specified tax amount is collected from parents as part of your charge and settles to your Stripe account with the rest of the payment. You are solely responsible for remitting collected taxes to the appropriate tax authority.

g. Tax Responsibility and Representations

You represent and warrant that you are the seller and merchant of record for all camp sessions booked through the Website, and that you are solely responsible for determining, collecting, and remitting all applicable sales, use, admissions, and amusement taxes on your sessions — expressly including, where applicable, Maryland admissions and amusement taxes (Md. Code, Tax-General, Title 4) and the District of Columbia sales tax on health-club services (D.C. Code § 47-2001(n)(1)(Y)). You represent that you are registered with each applicable tax authority where registration is required. You will indemnify and hold harmless Ten Dollars, LLC from and against any taxes, penalties, interest, and related costs arising from your failure to determine, collect, or remit such taxes.

Configuring a per-session tax amount requires completing the in-product tax attestation: you must identify the legal basis for the tax and attest that you have determined the program is taxable at the specified rate and that you are registered to remit it, before a nonzero tax rate can be applied to your sessions. No tangible goods (merchandise) may be sold through the Website's checkout.

h. Fee Changes

Stripe processing fees and payment network fees are set under your agreement with Stripe and may change from time to time; Ten Dollars, LLC does not control them. Ten Dollars, LLC may change its service fee, the bank transfer discount parameters, and the processing-rebate percentages in Section 3(b) (including to track changes in Stripe's standard rates) on notice to you, effective for bookings made after the change.

Bookings made under earlier versions of this Agreement complete (including balance payments and refunds) under the fee terms they were created with.

i. Third-Party Service Provider Compensation

Payment processing is provided to you by Stripe under your separate agreement with Stripe at the rates set under that agreement. Ten Dollars, LLC may receive a referral fee or revenue share from Stripe or other third-party service providers based on your use of their services; any such compensation is paid by the service provider and does not increase the fees you pay to Stripe or to Ten Dollars, LLC.

4. Payouts

a. Automatic Payouts

Parents' payments settle directly to your Stripe account balance and pay out to your linked bank account automatically, on your Stripe payout schedule as determined under your agreement with Stripe. Settlement and payout timing are set and may be changed by Stripe (see the "Your Stripe relationship" paragraph in Section 2(c)). Ten Dollars, LLC does not initiate, hold, delay, or control your payouts and applies no settlement holds.

b. Refund Funding Obligation

You must at all times maintain sufficient funds — in your Stripe account balance or through your linked bank account — to honor refunds under your published refund policy (Section 5), including after funds have been paid out to you. If a refund cannot be completed because your Stripe balance and linked bank account cannot fund it, you remain liable to the parent and to Ten Dollars, LLC for the unfunded amount.

c. Recovery

You authorize Stripe to debit your Stripe account balance and, where necessary, your linked bank account for refunds, disputes, and other amounts you owe in connection with bookings, per Stripe's Connected Account Agreement. In addition, Ten Dollars, LLC may recover from you — by invoice, or by offset against any amounts otherwise payable to you — any service fees it has refunded to a parent on your behalf and any amounts it advances, refunds, or otherwise pays on your behalf, including where you fail to fund a refund owed under your published refund policy.

5. Refund Policy

a. Required Refund Policy

You must set a refund policy and refund cutoff period for each session before online booking can be enabled for that session. Your refund policy is displayed to parents on the session page and during checkout, and parents explicitly accept it before paying. The policy the parent accepted at booking governs refunds for that booking.

b. Refund Process

Parents submit refund requests through the Website; you review and approve or deny each request through your provider dashboard. You may also initiate refunds yourself through the platform. All refunds execute against your charge on your Stripe account and are funded by you. Refunds are returned to the parent through Stripe, normally to the original payment method; refund mechanics and timing are determined by Stripe and may change under your agreement with Stripe (see the "Your Stripe relationship" paragraph in Section 2(c)).

c. Service Fee Handling on Refunds

When you refund a booking, in whole or in part, Ten Dollars, LLC automatically refunds its service fee to the parent in the same proportion as your refund. Stripe's processing fees on the original payment are not returned to you.

d. Refund Obligations

You agree to honor refund requests that fall within your published refund policy. Because you control your own funds and payouts under this Agreement, your published refund policy is the parent's protection: failure to honor it is a material breach of this Agreement, permitting Ten Dollars, LLC to delist your sessions, suspend or terminate your account, and recover amounts owed under Section 4(c).

e. Refunds Issued Outside the Platform

You must issue refunds through the platform rather than directly from your Stripe dashboard, so that booking records, parent notifications, and the proportional service-fee refund stay in sync. If you nonetheless issue a refund directly through your Stripe dashboard, you must promptly report it to support@kiddinglab.com. Where a refund you issue outside the platform cannot be attributed to a specific booking, you remain liable for any resulting difference.

6. Booking Configuration

You are responsible for setting and maintaining accurate information for each camp session with online booking enabled, including:

• Session price and any deposit amount
• Session capacity (maximum number of bookings)
• Session dates and times
• Applicable tax rate
• Refund policy and cutoff period (a precondition to enabling online booking — see Section 5(a))

Ten Dollars, LLC is not responsible for errors in your booking configuration, including overbooking caused by incorrect capacity settings.

Provider is responsible for ensuring that all camp listings, pricing, availability, and descriptions are accurate and kept up to date.

7. Ratings and Reviews

The Website may allow parents or guardians to post ratings and reviews about camp sessions. Ten Dollars, LLC may moderate, remove, or decline to publish reviews that violate platform policies, contain abusive or misleading content, or otherwise interfere with the operation of the Platform.

Providers acknowledge that reviews reflect the opinions of individual users. Ten Dollars, LLC does not guarantee the accuracy of reviews and is not obligated to remove reviews at a provider's request.

8. Verification Requirements

a. Organization Claim

You must verify your organization through the email verification process on the Website. This confirms that you have access to an email address at your organization's domain.

b. Ongoing Obligations

You must maintain accurate organization information, including your organization name, contact information, and camp listing details. You must promptly notify Ten Dollars, LLC of any material changes to your organization or camp offerings.

9. Data Handling and Privacy

a. Parent Data

You will receive booking details (child name, booking amount, fee breakdown (including the service fee paid by the parent), payment status, and any camper intake information you have configured your camp to require — see Section 9(d)) through your provider dashboard. You will not receive parent email addresses, full payment information, bank account numbers, or card numbers. You agree to use parent data solely for the purpose of fulfilling camp bookings and related communications.

b. Your Data

Ten Dollars, LLC collects and stores information about your organization, Stripe Connect account status, fee configuration, and booking history. This data is used to operate the Platform and is handled in accordance with our Privacy Policy.

c. Compliance

You agree to comply with all applicable privacy laws in your handling of any personal data received through the Website.

d. Camper Data Custodianship

Where you configure your camp to require camper information at booking (a camper's legal name, birth month and year or full date of birth, emergency contacts, allergies, medications, medical conditions, or other health notes), you receive that information as a custodian for the booked session, subject to the following obligations:

• Purpose limitation. You will use camper intake information solely to administer the booked session — including safety planning, allergy and medication management, age verification, and emergency response — and for no other purpose.
• No secondary use or onward disclosure. You will not use camper intake information for marketing, advertising, profiling, or any other secondary purpose, and you will not sell, rent, share, or disclose it to any third party, except to your own staff who need it to run the session, to emergency or medical personnel when a camper's health or safety requires it, or where disclosure is required by law.
• Minimum-necessary access. You will limit access to camper intake information within your organization to staff who need it to run the session in question.
• Safeguards. You will maintain reasonable administrative, technical, and physical safeguards for any camper intake information in your custody, including any copies, printouts, or notes made outside the platform.
• Deletion when the purpose ends. When your purpose for retaining camper intake information has ended — no later than the completion of the session and the expiry of any legal retention period that applies to you — you will securely delete or destroy any copies you have made outside the platform.
• Breach notice. You will notify Ten Dollars, LLC at legal@kiddinglab.com without undue delay after discovering any unauthorized access to, or disclosure of, camper intake information in your custody.
• No circumvention of minimization. The platform collects from parents only the fields you have configured as required, and your booking records store only those fields. You will not require parents to supply, outside the platform, camper information fields you have chosen not to configure, as a condition of completing or honoring a platform booking. (This does not limit registration processes you run under your own privacy policy as an independent organization; it prohibits using out-of-band collection to defeat the field choices presented to parents at booking.)
• Platform retention. You acknowledge that the platform automatically deletes a booking's camper intake information approximately 90 days after the booked session ends (and earlier if the booking is cancelled or the parent deletes their account), after which it is no longer available through your dashboard. The platform is not an archival store for camper information.

e. Access Logging

Each time you or your staff view a booking's camper intake information through the platform, the access is recorded in an audit log, including who viewed it and when. You acknowledge that Ten Dollars, LLC may review these logs and may make a booking's access history available to the parent or guardian who provided the information. The platform does not provide bulk export of camper intake information; the logged, per-booking view in your provider dashboard is the only access path.

10. Representations and Warranties

You represent and warrant that:

• You are authorized to act on behalf of your camp organization.
• The camp sessions you list on the Website are legitimate offerings that you intend to deliver as described.
• You will honor all bookings made through the Website.
• You will comply with all applicable laws, including consumer protection laws, tax obligations, and licensing requirements for operating camp programs.
• You will maintain commercial general liability insurance appropriate for youth camp operations, including coverage for bodily injury and property damage. Upon reasonable request, you agree to provide proof of insurance to Ten Dollars, LLC.
• The information you provide on the Website is accurate and not misleading.
• You comply with all laws applicable to youth camps, childcare programs, or youth activities in your jurisdiction.

Activity and Program Responsibility

Provider acknowledges that camp sessions involve activities organized and conducted solely by the Provider. Provider is solely responsible for the supervision, safety, staffing, facilities, equipment, and conduct of all camp programs and activities.

Ten Dollars, LLC does not supervise camp sessions, employ camp staff, inspect camp facilities, or control the manner in which camp activities are conducted. Provider agrees that Ten Dollars, LLC has no responsibility for the safety or conduct of camp programs offered through the Website.

11. Provider Standards

Provider agrees to:

• Maintain accurate and up-to-date camp listings
• Operate camp programs safely and in compliance with applicable laws
• Treat parents, guardians, and participants with respect and professionalism
• Respond promptly to booking inquiries and refund requests

Failure to meet these standards may result in suspension or termination of Provider's account.

12. Provider Content License

Provider grants Ten Dollars, LLC a non-exclusive, worldwide, royalty-free license to display, reproduce, and distribute Provider's camp descriptions, images, logos, and related materials for the purpose of operating and promoting the Platform.

13. Liability and Dispute Resolution

a. Parent-Provider Disputes

Disputes between you and parents regarding refunds, cancellations, camp quality, safety, or any other matter are between you and the parent. Ten Dollars, LLC is not a party to the contract between you and the parent and is not liable for any claims arising from your camp operations. The contract for camp participation is solely between the parent or guardian and the Provider.

b. Ten Dollars, LLC's Role

Ten Dollars, LLC facilitates payment processing and provides the Platform. Ten Dollars, LLC does not endorse, guarantee, or assume responsibility for your camp sessions, staff, facilities, or operations.

c. Payment Disputes

If a parent initiates a payment dispute (chargeback) with their bank or card issuer, the dispute is handled through Stripe's dispute process. Disputed amounts may be debited from your Stripe Connect account. Ten Dollars, LLC is not responsible for the outcome of payment disputes. Provider is financially responsible for all chargebacks, dispute fees, and related payment processor costs associated with bookings for its camp sessions.

d. Limitation of Liability

Ten Dollars, LLC's total liability under this Agreement shall not exceed the greater of (i) $100 and (ii) the total service fees received by Ten Dollars, LLC in connection with bookings at Provider's camps in the 12 months preceding the claim. Ten Dollars, LLC shall not be liable for any indirect, incidental, special, or consequential damages.

e. Service Availability

Ten Dollars, LLC makes no guarantee that the Website or payment processing features will operate without interruption or error. The platform may occasionally be unavailable due to maintenance, technical issues, payment network outages, or other circumstances beyond our control.

Provider acknowledges that Ten Dollars, LLC is not responsible for lost bookings, delayed payments, or other losses resulting from temporary service interruptions.

14. Indemnification

Provider agrees to defend, indemnify, and hold harmless Ten Dollars, LLC and its owners, officers, employees, and agents from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Provider's camp programs, facilities, staff, or operations
• Any injury, illness, or damage occurring in connection with a camp session
• Provider's failure to comply with applicable laws or regulations
• Provider's breach of this Agreement
• Any dispute between Provider and a parent or guardian

15. Termination

a. By Provider

You may terminate this Agreement at any time by disconnecting your Stripe Connect account through your provider dashboard. Outstanding bookings will continue to be processed, and funds already settled to your Stripe account pay out on your Stripe payout schedule.

b. By Ten Dollars, LLC

We may terminate this Agreement or suspend your provider account if you:

• Violate the terms of this Agreement
• Engage in fraudulent or deceptive practices
• Fail to fulfill bookings or honor your stated refund policy
• Accumulate excessive payment disputes
• Fail to maintain your Stripe Connect account in good standing

We will provide reasonable notice before termination, except in cases of fraud or serious policy violations.

Ten Dollars, LLC may temporarily suspend provider listings, bookings, or payouts while investigating suspected fraud, excessive disputes, safety concerns, or violations of this Agreement.

c. Effect of Termination

Upon termination, no new bookings will be accepted for your sessions, and your access to camper intake information through the platform ends immediately. You must promptly delete any camper intake information you have copied or stored outside the platform, except where and for as long as retention is required by law. Funds already settled to your Stripe account pay out on your Stripe payout schedule. Refund obligations for existing bookings survive termination.

16. Force Majeure

Ten Dollars, LLC shall not be liable for delays or failures in performance resulting from events beyond its reasonable control, including payment network outages, internet failures, natural disasters, governmental actions, labor disputes, or failures of third-party service providers.

17. No Guarantee of Listings or Visibility

Ten Dollars, LLC does not guarantee that provider listings will receive a minimum number of views, bookings, or search placement.

18. Tax Documentation

Provider agrees to provide any tax documentation required by Stripe or applicable law, including IRS Form W-9 or equivalent documentation necessary for tax reporting.

19. Amendments

We may update this Agreement by publishing a new version on the Website. You will be notified of material changes through your provider dashboard or by email. You may be required to accept the updated version to continue receiving payouts. Continued use of the payment processing features after notification constitutes acceptance of the revised Agreement.

20. Dispute Resolution

a. Mandatory Arbitration

Any dispute, claim, or controversy arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall take place in Montgomery County, Maryland. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's rights.

b. Class Action Waiver

Provider agrees that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. Provider waives any right to participate in a class action lawsuit or class-wide arbitration against Ten Dollars, LLC.

21. Governing Law and Venue

This Agreement is governed by the laws of the State of Maryland, without regard to its conflict of laws principles. Any disputes arising under this Agreement that are not subject to arbitration under Section 20 shall be brought exclusively in the state or federal courts located in Montgomery County, Maryland. Provider agrees to personal jurisdiction in these courts.

22. AI Search Surfaces and AI-Assisted Bookings

a. Listing Visibility

You grant Ten Dollars, LLC a license to display, syndicate, and make your listing content (camp and session descriptions, dates, prices, availability, and location) available to internet search engines and AI assistants/search services, including via structured data feeds and programmatic interfaces, for the purpose of helping families discover and book your programs.

b. AI-Assisted Bookings

A parent may use an AI assistant to find sessions and assemble a booking. In every case, the parent personally completes the booking on kiddinglab.com: the parent logs in, reviews the booking, provides camper information, signs any required waiver, and authorizes payment. AI assistants never sign waivers, never provide camper information, and never complete payment on a parent's behalf.

23. Contact Information

Ten Dollars, LLC
Email: legal@kiddinglab.com
Website: https://www.kiddinglab.com