PAYMENT POLICY

at Ha's / at Ha’s Saigon — HAANDTHA Trading and Services Company Limited

Effective Date: [01/10/2025] • Last Updated: [20/07/2026]

This Payment Policy explains the payment methods available for Services provided by HAANDTHA Trading and Services Company Limited ("HAANDTHA", "we", "us") and the procedures for handling unsuccessful payment transactions.

This Policy forms part of the Agreement as defined in the Terms and Conditions.

1. ACCEPTED PAYMENT METHODS

You may pay for Services using one of the following payment methods, depending on the options available at the time of transaction:

• International or domestic payment cards, processed at the Studio reception desk (Mezzanine Floor);

• QR code payment at the Studio reception desk;

• HAANDTHA gift cards;

• Bank transfer to the following account:
  Account number: 119003028323
  Account holder: CÔNG TY TNHH TM DV HAANDTHA
  Bank: Vietinbank; and

• Cash payment made directly at the Studio reception desk.

All prices are displayed in Vietnamese Dong (VND) and include applicable Value Added Tax (VAT) unless otherwise stated.

2. PAYMENT TIMING

2.1 For single classes, workshops, and short-term Class Passes, payment is generally required at the time of booking or purchase, as agreed with you.

2.2 For Continuous Service Membership Plans (with a validity period of three (3) months or more, or an indefinite term), HAANDTHA will not require payment for a Service before that Service is provided, except for the membership fee that you expressly agree to pay in advance to secure your selected Membership Plan at the time of purchase.

Please refer to Section 5 of the Membership, Booking & Studio Rules for the applicable renewal notice rights and refund rights in the event of early termination for this type of Membership Plan.

3. FEES, CHARGES, AND CALCULATION METHODS

This Section provides a summary, for ease of reference, of all fees or charges that may arise in addition to the base price of a Service and the method of calculation for each. The full terms applicable to each fee are set out in the corresponding sections of the Membership, Booking & Studio Rules referenced below.

• Class Fee — the price displayed on the Application or at the Studio reception desk at the time of booking (Membership, Booking & Studio Rules, Section 1.2).

• Late Cancellation or No-Show Fee — equal to the value of the missed class; such fee shall not exceed the value of that class and shall not be charged together with any other penalty for the same class (Membership, Booking & Studio Rules, Sections 3.1–3.7).

• Class Pass Extension — each Class Pass is eligible for one (1) extension only, up to a maximum of ten (10) days, at no additional charge (Membership, Booking & Studio Rules, Section 4.3).

• Deposit for Private, Duo, Trio, or Group Sessions — non-refundable if cancellation is made within twenty-four (24) hours before the scheduled session; however, it may be converted into credit for a rescheduled session of equal or lower value where cancellation is made within the required notice period (Membership, Booking & Studio Rules, Section 3.5).

• Administrative Processing Fee for Early Termination of a Continuous Service Membership Plan — only applicable where it has been disclosed to you in advance and shall not exceed HAANDTHA's actual administrative costs. This fee will be deducted from the proportional refund amount and will not be charged separately (Membership, Booking & Studio Rules, Section 5.4).

HAANDTHA will not introduce any new fee or charge outside the list above in relation to a Service that you have already purchased unless the advance notice requirements under Section 7.2 of the Terms and Conditions have been complied with.

4. UNSUCCESSFUL PAYMENT TRANSACTIONS

A payment transaction may fail for various reasons, including:

• Online payment functionality has not been activated with the card-issuing bank;

• For Visa/Mastercard payments, the required authentication step through Verified by Visa, Mastercard SecureCode, or an equivalent 3-D Secure authentication method has not been completed;

• The card has insufficient funds, insufficient available credit limit, or has exceeded the daily spending limit imposed by the issuing bank; or

• Incorrect card information has been entered.

If a payment transaction is unsuccessful, please contact your card-issuing bank to determine the specific reason, or contact us at athas.saigon@gmail.com for assistance.

5. TRANSACTION ERRORS, DUPLICATE PAYMENTS, AND REFUNDS

5.1If your account or payment card has been charged but HAANDTHA's system does not record the corresponding booking or purchase transaction, and you do not receive confirmation of the Service, please contact us at athas.saigon@gmail.com.

5.2 After verifying an erroneous or duplicate transaction with the relevant banking partner, we will process a refund to your original payment method within five (5) working days from the date the bank confirms that the transaction was unsuccessful. The time required for the refunded amount to appear in your account will depend on the processing time of your bank or payment service provider.

5.3 For refunds arising from the early termination of a Continuous Service Membership Plan, please refer to Section 5.4 of the Membership, Booking & Studio Rules, which provides that the refund will be processed within five (5) working days from the date HAANDTHA receives your termination notice.

6. PAYMENT SECURITY

HAANDTHA and our payment partners implement reasonable technical and organizational measures to protect your payment information.

We encourage you to regularly review your bank statements or e-wallet transaction history to ensure that all transactions made through the Application are authorized and within your control. If you detect any unusual or unauthorized activity, please contact your bank immediately.

7. CONTACT

HAANDTHA Trading and Services Company Limited

Operating under the brands at Ha's / at Ha's Saigon / Turmeric Boutique

M & 1st Floor , 187/14–15 Dien Bien Phu Street, Tan Dinh Ward, Ho Chi Minh City, Vietnam

Email: athas.saigon@gmail.com  |  Phone: 090 669 0401 / 090 397 0921  |  Website: athassaigon.com