12.1 Overview

Growwr Pay is Growwr’s payment and financial workflow solution that facilitates the collection, processing, management, and distribution of payments between eligible users of the Services.

Growwr Pay is intended to simplify commercial transactions conducted through the Growwr marketplace and related Services by providing payment infrastructure, invoicing, payout management, reconciliation, reporting, and other payment-related functionality.

Unless expressly stated otherwise, Growwr provides payment technology and administrative services and is not a bank, deposit-taking institution, money transmission business, escrow agent, payment card network, investment adviser, or licensed financial institution.

Certain payment services are provided by authorized third-party payment providers and financial institutions.

12.2 Availability of Growwr Pay

Growwr Pay may not be available in every country, jurisdiction, or for every type of transaction.

Access to Growwr Pay may depend upon:

• your geographic location;
• applicable regulatory requirements;
• successful completion of verification procedures;
• the availability of third-party payment providers;
• transaction risk assessments;
• account standing; and
• other eligibility requirements established by Growwr or its payment partners.

Growwr reserves the right to introduce, restrict, suspend, or discontinue payment functionality at any time.

12.3 Payment Authorization

By initiating or authorizing a payment through the Services, you represent and warrant that:

• you are authorized to use the selected payment method;
• sufficient funds or credit are available;
• the payment information provided is accurate and current;
• the transaction is lawful; and
• you authorize Growwr and its payment providers to process the transaction in accordance with these Terms.

You remain responsible for all payment obligations incurred through your Account.

12.4 Fees

Certain Services may be subject to marketplace fees, platform fees, service fees, subscription fees, payment processing fees, currency conversion fees, taxes, or other charges.

Applicable fees will be disclosed before they become payable or otherwise communicated through the Services.

Unless otherwise stated:

• all fees are exclusive of applicable taxes;
• fees are non-refundable except where required by Applicable Law or expressly stated by Growwr; and
• Growwr may modify its pricing or fee structure upon reasonable notice where required by Applicable Law.

Users remain responsible for all taxes, duties, levies, and governmental charges associated with their use of the Services.

12.5 Payment Processing

Payments initiated through Growwr Pay may be processed by one or more authorized third-party payment providers.

By using Growwr Pay, you acknowledge and agree that:

• payment processing may be subject to additional terms imposed by payment providers;
• Growwr may securely transmit payment-related information to its payment partners for the purpose of processing transactions;
• payment providers may conduct fraud prevention, sanctions screening, anti-money laundering (AML), know-your-customer (KYC), or other legally required compliance checks; and
• transactions may be delayed, declined, suspended, or cancelled where required by Applicable Law, compliance obligations, or fraud prevention procedures.

Growwr does not control the independent decisions of third-party payment providers.

12.6 Payouts

Where applicable, Growwr may facilitate payouts to eligible users following successful completion of verification procedures, satisfaction of payment conditions, and compliance with applicable laws and policies.

Unless otherwise specified in a separate written agreement or applicable product terms, payouts are generally initiated within seven (7) calendar days after:

• the applicable Project has been marked as completed or accepted;
• any applicable review or dispute period has expired;
• required verification has been completed; and
• all payment conditions have been satisfied.

Payout timing is an estimate only and may be delayed due to:

• fraud prevention reviews;
• compliance investigations;
• payment processor delays;
• banking system interruptions;
• technical issues;
• sanctions or regulatory screening;
• identity verification requirements;
• public holidays;
• force majeure events; or
• any other circumstance reasonably requiring additional review.

Growwr does not guarantee that payouts will be completed within any specific timeframe.

12.7 Taxes

Each user is solely responsible for determining, reporting, collecting, withholding, remitting, and paying any taxes applicable to their transactions, including income taxes, value-added taxes (VAT), goods and services taxes (GST), withholding taxes, payroll taxes, sales taxes, and any other governmental assessments.

Growwr does not provide tax advice and is not responsible for determining users’ tax obligations unless expressly required by Applicable Law.

Where required by law, Growwr or its payment providers may collect tax information, issue tax forms, withhold amounts, or report transactions to governmental authorities.

12.8 Refunds and Chargebacks

Refunds, reversals, payment disputes, and chargebacks may be governed by these Terms, the applicable Growwr Pay Terms, and the rules of the relevant payment provider.

Growwr may:

• investigate disputed transactions;
• temporarily withhold payouts;
• reverse payments where authorized or legally required;
• recover amounts previously paid in error;
• offset outstanding amounts owed to Growwr; or
• cooperate with payment providers in resolving chargebacks and disputes.

Nothing in this Section guarantees that any refund or chargeback request will be approved.

12.9 Payment Disputes Between Users

Employers and Talent are primarily responsible for resolving disputes concerning:

• amounts owed;
• scope of work;
• milestone completion;
• quality of deliverables;
• acceptance of work;
• contractual obligations; and
• payment responsibilities.

Growwr may, at its sole discretion, provide tools or administrative assistance to facilitate communication or dispute resolution. Any such assistance is provided as a convenience and does not make Growwr an arbitrator, mediator, fiduciary, or party to the dispute.

12.10 Fraud Prevention and Compliance

To protect the integrity of the Services and comply with Applicable Law, Growwr may monitor payment activity and conduct compliance reviews.

Growwr may request additional information or documentation, including:

• proof of identity;
• proof of address;
• business registration documents;
• tax documentation;
• source-of-funds information;
• beneficial ownership information; or
• any other information reasonably required to comply with legal or regulatory obligations.

Growwr may suspend, delay, reject, cancel, or restrict transactions where it reasonably believes such action is necessary to:

• prevent fraud;
• comply with Applicable Law;
• satisfy sanctions, AML, or KYC obligations;
• protect users;
• protect Growwr or its payment partners; or
• investigate suspicious activity.

12.11 Failed or Declined Transactions

Growwr is not responsible for failed, declined, interrupted, or delayed transactions resulting from:

• insufficient funds;
• expired or invalid payment methods;
• payment processor errors;
• banking system failures;
• network interruptions;
• compliance reviews;
• fraud prevention measures;
• incorrect payment information;
• regulatory restrictions; or
• circumstances beyond Growwr’s reasonable control.

Users remain responsible for satisfying their payment obligations notwithstanding any failed transaction.

12.12 Currency and Exchange Rates

Where transactions involve multiple currencies, Growwr or its payment providers may apply currency conversion using exchange rates and fees determined by the applicable payment provider.

Exchange rates may fluctuate, and Growwr does not guarantee any particular conversion rate.

Users are responsible for reviewing applicable conversion rates and fees before authorizing transactions.

12.13 Payment Records

Growwr may provide payment histories, invoices, receipts, reports, transaction summaries, or other payment records through the Services.

Such records are provided for convenience only and do not replace users’ legal, accounting, tax, or financial recordkeeping obligations.

Users remain responsible for maintaining any records required by Applicable Law.

12.14 Limitation of Growwr’s Role

Growwr facilitates payment workflows but is not responsible for:

• the financial ability of Employers to pay;
• the willingness of Talent to perform services;
• the quality of work performed;
• contractual disputes between users;
• tax compliance by users;
• banking delays;
• payment processor decisions;
• exchange rate fluctuations; or
• losses arising from inaccurate payment information provided by users.

Processing a payment does not constitute Growwr’s endorsement, guarantee, or assumption of responsibility for the underlying transaction or contractual relationship between users.

12.15 Reservation of Rights

Growwr reserves the right to:

• establish payment limits;
• impose transaction limits;
• introduce or modify fees;
• require additional verification;
• delay or suspend transactions;
• refuse or reverse payments where authorized by law or these Terms;
• suspend Growwr Pay functionality;
• change payment providers;
• discontinue payment methods; or
• take any other action reasonably necessary to protect the Services, comply with Applicable Law, or manage financial risk.

Nothing in this Section obligates Growwr to process every payment or to continue supporting any particular payment method, provider, currency, or financial service.