Camp White Stag Tuition Payment Terms & Conditions
Effective date: September 5, 2025
These Tuition Payment Terms & Conditions (the “Terms”) govern how you pay for your child’s Camp White Stag (“Camp White Stag,” “we,” “our,” or “us”) tuition and related fees. By submitting payment, enrolling in an installment plan, or saving a payment method at checkout, you agree to these Terms. If you do not agree, do not complete your purchase.
Important: These Terms cover payments only. Participation at Camp White Stag is also governed by our Camper Agreement, Health & Safety Policies, Code of Conduct, and other waivers you sign separately.
1) Definitions
“Tuition” means fees for registered camp sessions and add‑ons shown at checkout.
“Parent/Guardian,” “you,” or “your” means the person completing payment for a camper.
“Payment Method” means a card, ACH/bank account, or any other method accepted at checkout.
“Installment Plan” means a scheduled series of automatic payments for a single order.
“Processor” means our third‑party payment service provider(s) (e.g., Stripe/PayPal/Square), which handle payment authorization and settlement.
2) Acceptance & Updates
By paying online or over the phone, you accept these Terms and the Processor’s terms. We may update these Terms at any time; changes apply prospectively. The version in effect at the time of your order or renewal controls that transaction.
3) Pricing, Discounts & Taxes
3.1 Tuition & fees. Tuition and any required fees for a given season are posted at checkout and on our website. Prices may change until you complete your order; after that, your order total is locked unless you modify it.
3.2 Current discount programs (subject to change).
Multi‑Week Discount: 10% off weeks 3+ on a per‑child basis for a single order. Weeks 1–2 are billed at full price.
Early Registration Discount (ERD): $25 off per registered week when purchased by the ERD deadline posted at checkout.
Discounts apply only as shown at checkout and cannot be combined with other promotions unless expressly stated. If a discount condition is later unmet (e.g., you drop to fewer than 3 weeks), we may reverse the discount and re‑bill the difference.
3.3 Taxes & third‑party fees. If applicable, taxes will be added at checkout. Where permitted by law, a card processing surcharge of 3.4% may be applied to card transactions; ACH has no surcharge. Any such surcharge, if applied, will be clearly displayed before you pay.
4) Payment Methods & Authorization
4.1 Accepted methods. We accept major credit/debit cards and ACH/bank transfers as available at checkout. We may change accepted methods at any time.
4.2 Card/ACH storage & tokenization. If you enroll in an Installment Plan or save a Payment Method, you authorize our Processor to securely store a tokenized credential for future charges related to your order (including schedule changes, add‑ons, unpaid balances, or permitted fees).
4.3 Recurring payment authorization. By choosing an Installment Plan, you authorize automatic charges to your Payment Method for the amounts and due dates displayed at checkout and in your receipt. You must maintain a valid Payment Method with sufficient funds.
4.4 Preauthorization holds. We may place a temporary hold to verify your Payment Method; the hold will drop per your bank’s policies.
5) Installment Plans
5.1 Availability. Installment options (e.g., 10–2 equal payments) may be offered for eligible orders. Availability can vary by season and order size.
5.2 Schedule. Installments are evenly divided and charged on the specific dates shown at checkout. The first installment is due at purchase. Remaining installments are auto‑charged on the listed dates to your saved Payment Method.
5.3 Changing plans. To add weeks or options after purchase, we will either (a) adjust remaining installments proportionally, or (b) charge a separate one‑time amount, as shown at checkout or in a revised receipt.
5.4 No financing. Installment Plans are a payment convenience for a single order and do not create a credit account.
6) Failed Payments, Late Fees & Collections
6.1 Retries. If an auto‑payment fails, you authorize us and the Processor to re‑attempt the charge using the same or any other Payment Method you have saved with us.
6.2 Late fees. We may assess a late fee for unpaid amounts after a grace period (currently 5 days) in an amount up to $25 or the maximum allowed by law, whichever is less.
6.3 Returned ACH. If your ACH transfer is returned (NSF/insufficient funds, revoked, or otherwise), a returned payment fee up to $35 may be assessed.
6.4 Delinquency. Unpaid balances may result in (a) suspension of your camper’s participation, (b) withholding of registration confirmations, or (c) referral to collections. You agree to pay our reasonable costs of collection, including fees charged by the Processor related to chargebacks or returned payments.
7) Order Changes & Proration
7.1 Upgrades/add‑ons. Additional weeks, programs, or services added later are charged at the then‑current price and may adjust your discounts.
7.2 Schedule changes. Moving weeks is subject to availability and any price difference at the time of the change.
7.3 Missed days. Tuition is based on program enrollment, not daily attendance. We do not prorate or refund for camper absences, weather, or other events outside our reasonable control, unless required by law or expressly stated in our separate policies.
8) Cancellations, Refunds & Credits
Customize this section to match your policy. The default below is a commonly used structure and may not reflect your local/state requirements.
8.1 Before camp starts.
Cancel ≥30 days before your first registered session: Refund of payments received minus a $50 processing fee per child.
Cancel 15–29 days before: Camp credit for the amount paid minus $50; credit valid for the next camp season and transferable within your household.
Cancel <15 days before: No refund; camp credit of 50% of the amount paid may be offered at our discretion.
8.2 After camp starts. No refunds or credits for any used or partially used weeks once the session begins.
8.3 Program cancellations by us. If we cancel a session before it begins and cannot place your camper in a comparable session, you will receive a 100% refund for the affected portion. If we cancel or curtail a session after it begins due to weather, safety, public health, or other events outside our control, refunds/credits will be provided per our posted policies and applicable law.
8.4 How refunds are paid. Refunds are issued to the original Payment Method when possible. Card surcharges and third‑party fees are not refundable except where required by law. Please allow your bank’s standard posting time.
9) Disputes & Chargebacks
Contact us first for any billing issue. If you file a chargeback without first giving us a reasonable opportunity to resolve the matter, we may suspend enrollment and seek recovery of the amount disputed and any Processor fees we incur.
10) Transportation & Other Add‑Ons
Transportation is a separate product with its own capacity limits and terms. Fees for transportation and other add‑ons are charged and refunded per the terms presented at checkout and any linked add‑on policies/waivers.
11) Processors, Security & Privacy
11.1 Third‑party processors. Payments are processed by our Processor(s). You agree to their terms and privacy policies. We do not receive or store full card numbers.
11.2 PCI‑DSS. Our Processor is responsible for PCI‑DSS compliance related to card data. We take reasonable administrative, technical, and physical safeguards to protect the limited billing information we maintain.
11.3 Privacy. Our collection and use of personal information is described in our Privacy Policy (linked at checkout). Where applicable, the Processor’s privacy policy also applies.
12) Electronic Communications & E‑Signature Consent
You consent to receive receipts, payment schedules, notices of failed payments, and other billing communications electronically at the email you provide. By clicking “Pay,” “Enroll,” or similar, you adopt an electronic signature agreeing to these Terms and to any payment authorization displayed at checkout.
13) Minors & Authority to Contract
You represent that you are the Parent/Guardian of the camper(s) listed in your order and have authority to enter into these Terms. You agree to keep your contact and billing information accurate and current