**Hubbards Sailing Club General Program Release, Waiver of Liability & Refund Policy** “Club” refers to Hubbards Sailing Club, including its members, directors, managers, instructors, coaches, volunteers, sponsors, and agents. Refund Policy Refund requests must be submitted by email to [email protected]. Please note that the Checklick platform applies a processing fee to refunds; this fee will be deducted from the refunded amount. *Refunds will be issued according to the following policy: *95% refund if withdrawal occurs more than 2 weeks before the session start date. *75% refund if less than 2 weeks’ notice is provided, unless the space can be filled. *If the space is filled, a 95% refund will be issued. No refund will be issued for: *Withdrawal after the session has begun *Removal from the program for disciplinary reasons *Missed days due to general illness or absence Assumption of Risk I understand and acknowledge that participation in sailing programs, on-water activities, and all related events involves inherent risks, including but not limited to: Changing or unpredictable weather conditions Failure to sail safely or within one’s own ability or designated areas Equipment malfunction or failure Interaction with other participants of varying ages and skill levels Imperfect venue, dock, or field conditions Inadequate or unforeseen safety measures Circumstances known, unknown, or beyond the control of the Club Collisions with natural or man-made objects Bodily injury, permanent disability, paralysis, or death I voluntarily assume all risks of injury, death, and property damage for myself/my child during participation in any Club program, recreational activity, or related event, including transportation to and from Club grounds. Release, Waiver, and Indemnity In consideration for participation in Hubbards Sailing Club programs, I: Release, discharge, and hold harmless the Club from any and all liability, claims, demands, or causes of action arising from participation Waive any right to sue the Club for injuries, losses, or damages, including those arising from negligence Freely assume all risks and anything incidental to those risks I understand that by signing this release, I am forever prevented from taking legal action against the Club for any loss, damage, or personal injury sustained during participation, whether caused in whole or in part by the Club’s negligence. Medical Consent I give permission for Club staff or representatives to administer first aid and to contact emergency medical services (doctor/ambulance) if required. I understand that I am responsible for any resulting medical costs. Supervision & Participant Conduct I acknowledge that Club coaches and staff are responsible for participants only while they are on Hubbards Sailing Club property or under direct supervision during program activities, during program hours. If a participant must leave Club property during program hours, I will provide written permission. I accept responsibility for any damage to or loss of Club equipment caused by carelessness or neglect by myself/my child, as determined reasonable by the Club. Safety Requirements I will ensure that the participant arrives with: Proper rubber-soled footwear A Transport Canada–approved life jacket or PFD, worn as instructed Media Release I agree that photos or videos taken of the participant during Club programs may be used for promotional or educational purposes by Hubbards Sailing Club. Acknowledgement I confirm that I have read and fully understand this Release & Waiver of Liability and Refund Policy. By completing registration in any Hubbards Sailing Club program, I acknowledge that I have read, understood, and agree to all terms and conditions outlined above.