1. Agreement to Terms
By accessing and using the services of Cash Insider ("we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, then you may not access our services.
2. Description of Service
Cash Insider provides surfing instruction, water sports training, ocean safety education, and related services. Our services include but are not limited to:
- Individual and group surf lessons
- Water safety and rescue training
- Corporate team building programs
- Equipment rental services
- Instructor certification programs
3. Eligibility and Registration
3.1 Age Requirements
- Participants under 18 must have written parental/guardian consent
- Children under 12 must be accompanied by a parent/guardian
- Minimum age for lessons is 6 years old
3.2 Health and Fitness
Participants must:
- Be in reasonable physical health to participate in water sports
- Disclose any medical conditions that may affect participation
- Have basic swimming ability (unless specified as a non-swimming program)
- Follow all safety instructions provided by instructors
4. Booking and Payment
4.1 Booking Process
- All bookings must be made in advance through our website, phone, or email
- Bookings are confirmed upon receipt of payment
- We reserve the right to refuse service to anyone
4.2 Payment Terms
- Payment is required at time of booking unless alternative arrangements are made
- We accept major credit cards, bank transfers, and cash payments
- Group bookings may require a deposit with balance due before service
- All prices are in Australian Dollars and include GST where applicable
5. Cancellation and Refund Policy
5.1 Customer Cancellations
- More than 48 hours: Full refund or credit
- 24-48 hours: 50% refund or full credit
- Less than 24 hours: No refund, credit at discretion
- No-show: No refund or credit
5.2 Weather Cancellations
- We may cancel lessons due to unsafe weather conditions
- Full refund or rescheduling will be offered for weather cancellations
- Final decision on weather suitability rests with our instructors
6. Safety and Risk Acknowledgment
6.1 Inherent Risks
Participants acknowledge that water sports activities involve inherent risks including but not limited to:
- Drowning or near-drowning incidents
- Injuries from equipment or marine life
- Weather-related hazards
- Ocean conditions and currents
6.2 Safety Obligations
Participants must:
- Follow all instructor guidance and safety protocols
- Use provided safety equipment as directed
- Report any concerns or discomfort immediately
- Remain within designated areas during lessons
- Not participate under the influence of alcohol or drugs
7. Liability and Insurance
7.1 Limitation of Liability
To the maximum extent permitted by law, Cash Insider shall not be liable for any direct, indirect, incidental, or consequential damages arising from participation in our programs.
7.2 Indemnification
Participants agree to indemnify and hold harmless Cash Insider, its instructors, and employees from any claims, damages, or expenses arising from their participation in our programs.
7.3 Insurance
We maintain appropriate public liability insurance. Participants are advised to maintain their own personal accident and health insurance coverage.
8. Code of Conduct
All participants must:
- Treat instructors, staff, and other participants with respect
- Follow facility rules and regulations
- Use equipment responsibly and report any damage
- Maintain appropriate language and behavior
- Respect the marine environment and local communities
9. Equipment and Facilities
9.1 Equipment Use
- All equipment remains the property of Cash Insider
- Participants are responsible for equipment damage due to misuse
- Equipment must be returned in the same condition as provided
- Lost or stolen equipment will be charged at replacement cost
9.2 Personal Belongings
We are not responsible for loss, theft, or damage to personal belongings. Participants bring personal items at their own risk.
10. Photography and Media
By participating in our programs, you consent to:
- Photography and videography during lessons
- Use of your image for promotional purposes
- Sharing of content on social media and marketing materials
If you do not consent to photography, please inform your instructor.
11. Intellectual Property
All content on our website, including text, graphics, logos, and images, is the property of Cash Insider and protected by copyright laws. Unauthorized use is prohibited.
12. Privacy
Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our services, to understand our practices.
13. Termination
We reserve the right to terminate or suspend service immediately, without prior notice, for any breach of these Terms or for any behavior deemed unsafe or inappropriate.
14. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting on our website. Continued use of our services constitutes acceptance of modified terms.
15. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Queensland, Australia. Any disputes shall be subject to the exclusive jurisdiction of Queensland courts.
16. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
17. Contact Information
For questions about these Terms of Service, please contact us:
18. Emergency Procedures
In case of emergency during lessons:
- Follow instructor directions immediately
- Emergency services will be called if necessary
- Emergency contacts will be notified as appropriate
- Incident reports will be completed for all significant events
Emergency Contact: 000 (Police, Fire, Ambulance)
Academy Emergency Line: +61 7 5555 0199