Terms and Conditions

Effective date: September 11, 2026

These terms and conditions ("Agreement") govern the relationship between Four Winds Adventures, an independent travel advisor ("Travel Advisor" or "we") on one side and you, the purchaser of travel services or lead traveler ("Client" or "you") on the other.

Use of Travel Advisor's Services

You represent and warrant that:

• You are at least 18 years of age and are authorized to enter into this Agreement and make travel bookings with Travel Advisor;
• The information you provide (whether for you or on behalf of others) is true and accurate, and you will continue to provide updated information throughout your engagement with Travel Advisor; and
• You will abide by the terms and conditions of this Agreement and any terms and conditions of our travel suppliers or partners that are applicable to your booking.

Independent Travel Advisor

Travel Advisor is an independent travel advisor of Fora Travel, Inc. ("Fora") and operates its own separate travel business. Client understands and agrees that: (i) Travel Advisor is not an agent, representative or employee of Fora; (ii) Fora is a technology provider and host agency, not a travel service provider; (iii) Client will have no claim against (nor will Client file any claim against) Fora for losses or damages resulting or arising from the provision of services by Travel Advisor; and, (iv) notwithstanding anything to the contrary in this Agreement or otherwise, Fora is not a party to this Agreement for any purpose. Client expressly waives any claims, demands, or causes of action against Fora arising from or relating to any travel arrangements, advisor services, cancellations, disputes, or any other matters related to this Agreement.

Seller of Travel Disclosure

Travel Advisor is an independent contractor operating under the Seller of Travel registration of Fora Travel, Inc. ("Fora") in the following states: California (CST Registration No. 2151995-50), Florida (Registration No. ST43973), and Washington (UBI No. 605329242). This disclosure is provided in accordance with the seller of travel laws of California, Florida, Washington, and other states with similar requirements.

Services; Planning Fees

Travel Advisor will provide Client with travel planning services, which may include researching and booking travel arrangements such as accommodations, transportation, activities and tours based on Client's preferences and budget, as well as any other services agreed to by the parties in writing.

Travel Advisor may charge a planning fee for its services, which will be mutually agreed with Client in writing. Any planning fees charged are 100% non-refundable and due before Travel Advisor begins work on an itinerary.

Client Leads Program Terms

Client acknowledges that any service fee waiver offered by Travel Advisor applies solely to Client's first trip booked through this engagement. For any subsequent trip planned or booked through Travel Advisor, Client understands and agrees that Travel Advisor's standard service fees will apply.

In consideration of the planning services provided under this waiver, Client agrees to book confirmed travel arrangements through Travel Advisor for the trip(s) discussed, rather than booking independently or through another advisor or agency.

If Client discontinues communication with Travel Advisor for more than 30 days after planning has begun, or books any portion of the discussed travel independently or through another advisor or agency after Travel Advisor has provided planning services, Client agrees that Travel Advisor may, at its discretion, charge a planning fee reflecting the work already performed, and that any service fee waiver will no longer apply to future trips.

Suppliers; Client's Responsibility

Travel Advisor's role is to make travel reservations for the Client upon request and to act as liaison between Client and travel suppliers, ensuring the itinerary runs smoothly.

Client acknowledges that the suppliers whose names appear in travel documentation are those actually responsible for providing the travel services purchased and that travel documents may be issued by third party booking channels selected by Travel Advisor. Client consents to the use of the suppliers disclosed to Client and is responsible for due diligence of the suppliers chosen by Client or the traveler and quality of their services. Client agrees that Travel Advisor will not be responsible if the Client is not satisfied with the final choices.

Travel Advisor makes no guarantee of a supplier's rates, bookings, quality of services, or special requests. Each supplier is an independent entity with its own management and is not subject to Travel Advisor's control. Travel Advisor bears no responsibility for any changes, delays, alterations, modifications or cancellations of an itinerary or booking made by a supplier, other third party or due to force majeure and does not cover associated costs.

Confidentiality of Itineraries

Itineraries, proposals, and travel plans prepared by Travel Advisor are created specifically for Client and represent Travel Advisor's professional work product. Client agrees not to share, publish, distribute, or reproduce any itinerary or proposal for purposes other than Client's own travel, except as reasonably necessary to provide the itinerary to a fellow traveler on the booking, an emergency contact, or an insurance provider. Client agrees not to use Travel Advisor's itinerary or proposal to book travel independently or through another advisor or agency.

Intellectual Property

All content created by Travel Advisor, including itineraries, proposals, written materials, branding, and any content on Travel Advisor's website (fourwindsadventures.com), is the property of Travel Advisor and may not be copied, reproduced, distributed, or used for commercial purposes without Travel Advisor's prior written consent.

Affiliate Disclosure

Travel Advisor is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. Travel Advisor's website may also participate in other affiliate or referral programs from time to time. If Client makes a qualifying purchase through a link on Travel Advisor's website, Travel Advisor may earn a commission at no additional cost to Client. These links do not affect the independent, professional guidance Travel Advisor provides and are separate from any travel booking or planning services described in this Agreement.

Travel Bookings

Rates

All quoted prices are in USD unless otherwise indicated and are subject to change without notice. You understand and agree that many suppliers employ dynamic pricing and prices are based on several factors, including demand and availability. Prices cannot be guaranteed until the applicable service is booked and the deposit, if applicable, is received.

Currency Fluctuations

Client is aware that there may be currency fluctuations that may affect the final amount due for the Client's reservations.

Confirmed Bookings

Submitting a request for travel services or approving a proposal constitutes an offer to purchase, not a confirmed booking. All bookings are subject to availability and are not confirmed until Client receives written confirmation from Travel Advisor reflecting that the applicable supplier has accepted the reservation and any required payment has been processed.

Group Minimums; Itinerary Alterations

Certain group tours and packages require a minimum number of participants to operate as priced. If the minimum is not met, the applicable supplier may impose a surcharge or cancel the tour in accordance with its own policies, and Travel Advisor bears no responsibility for such outcomes. Suppliers may also alter itineraries, substitute accommodations, or adjust services due to weather, operational needs, or other circumstances at the supplier's discretion, and Travel Advisor is not liable for such changes.

Personal Information

Client authorizes Travel Advisor's use of Client's personal information for bookings, airfare/airline tickets, tours, cruises, restaurant reservations and any other services requested by the Client.

Payment

Client will pay for all travel services promptly when due by paying the supplier directly or, if directed by Travel Advisor, by paying Fora who will process the payment on behalf of a supplier.

Credit Card Authorization; Disputes and Chargebacks

You may choose to keep a credit card on file with Travel Advisor which Travel Advisor may charge for any travel services and associated amounts that are expressly authorized by you. You further certify that you are an authorized user of any credit card provided to Travel Advisor. YOU AGREE NOT TO FILE ANY DISPUTE WITH YOUR BANK OR CREDIT CARD COMPANY TO AVOID OR VIOLATE ANY BOOKING TERMS AND CONDITIONS OF TRAVEL ADVISOR OR OUR TRAVEL SUPPLIERS OR PARTNERS, INCLUDING CANCELLATIONS OR CHANGES OF ITINERARY OR ARRANGEMENTS FOR REASONS BEYOND OUR CONTROL, UNLESS THE PRODUCT OR SERVICES PURCHASED WERE NEVER PROVIDED OR GROSSLY MISREPRESENTED. You agree to notify Travel Advisor immediately if any products or services purchased are not as expected and to give Travel Advisor a reasonable opportunity to assist in finding an acceptable resolution with the supplier responsible for providing the product or services. If Client initiates a chargeback, payment dispute, or reversal in violation of this section, Client agrees to reimburse Travel Advisor for any costs, fees, and expenses incurred in responding to or contesting such action, including reasonable attorney's fees where permitted by law.

Fees from Independent Travel Arrangements

Travel Advisor is not responsible for costs and fees incurred for travel arrangements made independently of Travel Advisor.

Nonrefundable Bookings; Modifications and Cancellation Fees

Client understands and agrees to all terms and conditions of suppliers from which it has purchased travel services, and that Client is subject to the deposit, cancellation, modification and refund policies of each individual supplier. Client also agrees to provide Travel Advisor with a minimum of 48 hours' notice by email for Travel Advisor to effect any cancellation or modification requests. Travel Advisor will not be liable for any penalties imposed on Client due to untimely requests by Client. Client further agrees that to the extent Travel Advisor incurs any fees or expenses because of modification or cancellation of a booking, such costs and expenses will be passed on to Client.

Unused Arrangements

Where pricing is based on a package or contracted rate, Client understands that no refund or credit will be issued for any unused portion of the itinerary, including unused nights, transfers, meals, or activities, unless the applicable supplier's policy expressly provides otherwise.

Cancellation Fee

If Client cancels a confirmed, booked trip more than 24 hours after the booking is confirmed, Client agrees to pay Travel Advisor a cancellation fee equal to 10% of the total trip cost, in addition to any cancellation or modification penalties imposed by suppliers. This fee compensates Travel Advisor for the planning, coordination, and administrative work performed on Client's behalf, which is not recovered when a confirmed trip is canceled. No cancellation fee applies if the trip is canceled within 24 hours of the initial booking confirmation; this 24-hour period runs from the time of booking confirmation and is separate from the 48-hour notice requirement described above. This fee applies only to trips that have been confirmed and booked and does not apply to trips that are discontinued or never booked, which are instead governed by the Client Leads Program Terms above. Client authorizes Travel Advisor to charge this fee to any credit card on file pursuant to the Credit Card Authorization section of this Agreement.

Travel Insurance

Travel insurance is not included unless expressly stated and purchased by Client. Travel insurance can protect against supplier issues, delays, cancellations, medical emergencies, lost luggage, and more. Proper insurance helps safeguard against financial loss in most situations. Without appropriate travel insurance, you understand and agree that if you cancel your travel or your trip is interrupted for any reason, Travel Advisor and travel suppliers' cancellation penalties will apply resulting in the loss of monies up to the full cost of Client's travel booking and related costs, plus any applicable cancellation fees described in this Agreement.

Government Identification and Travel Advisories

Denial of Entrance

You understand that Travel Advisor is not responsible for the denied entry into any country for any guest and that all guests are responsible to ensure that they have all the proper documents for entry. All names on documents must match the legal name on the guest's photo I.D., and travel document information must match tickets. You understand that minors unaccompanied by birth parents will need a permission letter for travel outside the U.S. and any travelers with criminal convictions may be denied entry to certain countries, including Canada. Each guest is responsible for determining if issues are present with the immigration/customs process into a foreign country. BEING DENIED ENTRY FOR ANY REASON MAY RESULT IN A COMPLETE FINANCIAL LOSS ASSOCIATED WITH YOUR TRIP AND DOES NOT ENTITLE YOU TO ANY REFUND.

Passports

You understand that a passport is required for international travel, including for children and babies, and that for some countries (including Mexico, Costa Rica, St. Lucia, Europe) passports must be valid 6 months after the date of travel. Additionally, a visa may be required by applicable government regulations. WHEN YOU RECEIVE YOUR TRAVEL DOCUMENTS, IT IS YOUR RESPONSIBILITY TO ENSURE THE INFORMATION IS CORRECT.

Traveling with Minors

Children and infants may also require travel documents. Minors traveling with one parent, and/or without both parents, may be stopped and not admitted, unless authenticated and verified consent forms are provided to the authorities; please see help.cbp.gov for additional information. Parental or legal guardian consent must be provided to the supervising adult or group leader in writing.

Travel Advisories

Travel to certain destinations or during certain times may involve greater risk than others (especially as it relates to COVID-19/other communicable diseases and evolving geopolitical tensions). Changes in travel advisories (i.e., government-issued warnings, recommendations or notices regarding safety, security, health risks or other travel-related concerns in certain destinations) shall not supersede the cancellation and refund policies of travel suppliers or partners. Client acknowledges that unless they have applicable travel insurance coverage, changes to travel advisories or personal concerns, including anxiety or discomfort regarding a destination, do not entitle you to a refund, credit, or other compensation. It is your responsibility to review and understand travel advisories issued by the United States and the destinations you will be visiting. Travel Advisor does not represent that travel to locations, even locations for which it provides services to, is advisable or without risk. CLIENT'S PARTICIPATION IN ANY TRAVEL CONSTITUTES ACCEPTANCE OF SUCH RISK.

Liability; Damages; Force Majeure

TRAVEL ADVISOR ACTS SOLELY AS AN AUTHORIZED SELLER FOR DISCLOSED TRAVEL SUPPLIERS AND PARTNERS AND HAS NO CONTROL OVER THEIR OPERATIONS. THEREFORE, TRAVEL ADVISOR IS NOT LIABLE FOR PERSONAL INJURY, PROPERTY DAMAGE, OR ANY ISSUES ARISING FROM THESE TRAVEL SUPPLIERS' AND PARTNERS' SERVICES. THIS INCLUDES, BUT IS NOT LIMITED TO, LIABILITY FOR ACTS, ERRORS, OMISSIONS, NEGLIGENCE, WILLFUL MISCONDUCT, SERVICE FAILURES, CANCELLATIONS, REFUND POLICIES, PRICE CHANGES, BANKRUPTCY, OR OPERATIONAL CESSATION. TRAVEL ADVISOR DISCLAIMS ALL LIABILITY FOR DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES RELATED TO THE GOODS OR SERVICES PROVIDED BY THESE SUPPLIERS, AND YOU AGREE TO RELEASE TRAVEL ADVISOR FROM ANY SUCH CLAIMS.

NOTWITHSTANDING ANYTHING TO THE CONTRARY, TRAVEL ADVISOR HAS SOLELY RECEIVED COMMISSION AND FEES FOR TRAVEL TRANSACTIONS AND CLIENT AGREES AND UNDERSTANDS THAT ANY RECOVERY FROM TRAVEL ADVISOR WILL BE LIMITED TO THE AMOUNT OF COMMISSION AND FEES ACTUALLY RECEIVED BY TRAVEL ADVISOR.

Travel Advisor is not liable for any failure or delay in fulfilling obligations under this Agreement due to causes beyond its control, including natural disasters, accidents, civil unrest, war, terrorism, pandemics, equipment failures, government actions, or other unforeseen events. THE PURCHASE OF TRAVEL INSURANCE IS HIGHLY RECOMMENDED ON ALL TRIPS.

Professional Advice Disclaimer

Any information Travel Advisor provides regarding destinations, health, safety, or entry requirements is offered as a courtesy and general guidance only, not as medical, legal, or financial advice. Client should consult a qualified physician, attorney, or other professional for guidance specific to Client's circumstances. Travel Advisor is not liable for actions Client takes based on general information provided.

Indemnification

You agree to indemnify, defend, and hold harmless Travel Advisor, its owners, employees, and representatives from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising out of or relating to:

• any false, inaccurate, or incomplete information you provide;
• your violation of this Agreement or any supplier's terms and conditions;
• your violation of any law or the rights of a third party; or
• any willful misconduct or negligent act or omission by you or any traveler on your booking.

This indemnification obligation survives the completion, cancellation, or termination of your travel arrangements and this Agreement.

General

Modifications

Travel Advisor reserves the right, in its sole discretion, to amend this Agreement at any time. Updated versions of this Agreement are effective immediately upon provision to Client.

Termination

Either party may terminate this Agreement at any time upon written notice to the other party. Travel Advisor reserves the right to terminate this Agreement or decline to provide further services if Client violates any term of this Agreement, engages in abusive or threatening conduct toward Travel Advisor or its representatives, or fails to make timely payment for services rendered. Termination does not relieve Client of any payment obligations for services already performed or costs already incurred on Client's behalf, including any non-refundable planning fees, deposits, or supplier payments made prior to termination.

Governing Law; Venue

The laws of the State of South Carolina govern this Agreement. You hereby consent to the exclusive jurisdiction and venue of courts in Beaufort, South Carolina for any matter arising out of or relating to this Agreement that is not subject to arbitration under this Agreement, including actions to compel arbitration, seek emergency injunctive relief, or confirm an arbitration award.

Arbitration

Any dispute, claim, or controversy arising out of or relating to this Agreement, including its formation, breach, or termination, shall be resolved through binding arbitration rather than in court, except that either party may seek relief in a court of competent jurisdiction for emergency injunctive relief or to compel arbitration. Arbitration shall be conducted by a single arbitrator under the rules of the American Arbitration Association, or another arbitration provider mutually agreed upon by the parties, and shall take place in Beaufort County, South Carolina, unless the parties agree otherwise in writing. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court having jurisdiction. Each party shall bear its own costs and attorney's fees unless the arbitrator determines otherwise. This provision does not limit either party's right to bring an individual claim in small claims court for disputes within that court's jurisdiction.

Third Party Beneficiaries

This Agreement is for the sole benefit of Travel Advisor and Client and their respective successors and assigns. Nothing in this Agreement, express or implied, is intended to or shall confer any rights, benefits, or remedies upon any person or entity other than the parties to this Agreement.

Timeliness; Claims; Class Action Waiver

Any claim against Travel Advisor must be brought within 12 months after the date of the completion of the trip and not later. TRAVEL ADVISOR SHALL NOT IN ANY CASE BE LIABLE FOR DAMAGES OTHER THAN COMPENSATORY DAMAGES, AND YOU WAIVE ANY RIGHT TO CLAIM PUNITIVE OR EXEMPLARY DAMAGES. YOU AGREE THAT YOU MAY ONLY BRING CLAIMS IN YOUR INDIVIDUAL CAPACITY AND NOT AS PLAINTIFFS OR CLASS MEMBERS IN ANY CLASS ACTION, PROPOSED OR PURPORTED CLASS ACTION, OR OTHER REPRESENTATIVE ACTION, REGARDLESS OF THE TYPE OF PROCEEDING.

Severability

If any provision of this Agreement is determined to be invalid, illegal, or unenforceable in any jurisdiction, the remaining provisions shall remain in full force and effect and shall be construed in a manner that best achieves the original intent of the parties.

Headers

Headings are for convenience only and "including" and similar terms are to be construed without limitation.

Entire Agreement

This Agreement constitutes the entire agreement between the parties with respect to the subject matter hereof.

Acceptance

By executing this Agreement, you hereby consent to the terms and conditions set forth herein.