BLUEFIN PAYMENT PROCESSING

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TABLE OF CONTENTS

Bluefin Setup ...4

PayConex ...4

Initial Log In ...4

Create a New Password ...5

Tools Home Screen ...5

Settings ...6

Tools > Hosted Payment Forms ... 10

Copied or New Sale Form Settings ... 12

Refund (Store) Transaction Form Setup: ... 16

Processing Credit Cards From Within PetPoint ... 21

Add/Edit Company Info or Add/Edit Site... 21

Payment Processing... 21

Receipt Screen ... 22

New Receipt... 22

New Receipt – Anonymous Person ... 24

Void a Receipt ... 25

Declined ... 26

Time Limitation ... 26

Refund Screen ... 28

Refund to Same Credit Card ... 28

Refund to Different Credit Card ... 29

Online Licensing ... 31

Online Licensing (Sale) Transaction Form Setup: ... 31

Important Note: HTTP VS. HTTPS ... 31

Online Licensing Refund (Store) Transaction Form Setup: ... 35

Online Licensing Site - Add/Edit Site ... 38

Payment Processing... 38

Website Requirements for Online Transactions ... 39

Privacy Policy Examples ... 40

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PetPoint is proud to partner with Bluefin Payment Systems to provide direct-to-PetPoint credit card transactions both through the PetPoint software and online (for Advanced Licensing Users only). This document will walk you through Bluefin’s PayConex system setup, linking your payment forms to PetPoint, and using PetPoint for the creation of credit card transactions both on reciepts and on refunds.

This feature requires you to sign up for a payment processing account. Click here to contact Bluefin and start the process: https://www.bluefin.com/partners/petpoint/

If you have questions related to your Bluefin account, please call the Bluefin support team at 800-675-6573 option #2, or email [email protected].

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BLUEFIN SETUP

PAYCONEX INITIAL LOG IN

The first step to using Bluefin Payment Systems is to log into the PayConex account. Use the account, username, and password provided by email from Bluefin, which will look similar to this:

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SPECIAL NOTE FOR CONSTITUENT SERVICES ORGANIZATIONS

If you have acquired the paid for add on suite Constituent Services, and are implementing Online Licensing, you will need to acquire an account specifically for Online Licensing from Bluefin. For organizations that are only creating a POS account, the next section of this document contains important account management

information. Online Licensing specific instructions are at the end of the document. You may skip to that portion of the documentation by clicking here.

CREATE A NEW PASSWORD

You will be prompted to create a new password.

After you have updated your password, you will be logged out and asked to log back in with the new password.

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When you have logged back in, you will be navigated to the tools home screen. From here, click Settings.

SETTINGS

To assure your information is entered correctly and Bluefin is ready to accept payments on behalf of your organization, click Manage Settings.

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MANAGE SETTINGS

On the Manage Settings page, verify your Basic Information. The remaining sections should have default settings, but any of these may be updated if needed.

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*Leave Success URL, Decline URL, and PostBack Response URL blank.

Selecting "Send Customer Receipt" will email a receipt to each customer who has processed a transaction. Selecting "Send Merchant Receipt" will email a receipt to the Contact Email for each transaction.

Selecting "Send Batch Settlement Notice" will email a daily transaction. Click Update Settings if changes have been made to this page.

MANAGE USERS

Also on the Settings tab, you may set up additional users who can log into PayConex and manage these settings or review transactions. To do this, go to Manage Users.

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Existing users will be listed on this screen. From here, Edit their account, Delete their access, or Change their password.

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Create a new user by giving them a Username and entering their Email Address. You can also indicate if they are an Administrator from here. Then click Add User.

Users may search for transactions and run reports. Administrators can also manage settings and create new users.

The Add User button will take you to another screen to set up this user’s password. You may also indicate if they are an Administrator from here. When you click Add User from this screen, PayConex will send the user an email with the account information, username, and their password.

TOOLS > HOSTED PAYMENT FORMS

Also, on the Tools tab, Hosted Payment Forms need to be set up. A Hosted Payment Form will need to be set up for onsite (Store) payments, online (Sale) payments, and refunds (Store and/or Sale). An additional (Sale) form will need to be set up for Online License transactions on the separate Online Licensing account, if needed.

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CREATE THE SALE FORM

When you are first accessing a new account, you will need to create a new form. Be very careful in setting it up as shown below; otherwise it will not work correctly and may also result in loss of transactions within PetPoint.

Click Create New to start a new form, then enter a form name in the field provided and click the Create New Form button.

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After you have created the initial form, the best way to create another new form is to copy an existing form. Click the last icon in the action column to copy this form,

And enter a form name. Name the form something that will describe its purpose to you.

COPIED OR NEW SALE FORM SETTINGS

A new or copied Sale form should have the following settings:

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RESPONSE HANDLING SECTION:

Receipt Page URL: https://sms.petpoint.com/sms3/forms/BFResponse.aspx

Decline Page URL: https://sms.petpoint.com/sms3/forms/BFResponse.aspx

Form Cancellation URL: https://sms.petpoint.com/sms3/forms/BFHandler.aspx?Cancel=rct

Please ensure your PetPoint bookmark you use to log in from your computer is set to

https://sms.petpoint.com/sms3 to synchronize with the hosted payment form. This is an essential step to make sure that transactions are correctly processed through your account.

FORM TIMEOUT SECTION:

Timeout Redirect URL: https://sms.petpoint.com/sms3/forms/BFHandler.aspx

APPEARANCE SECTION:

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Form: E7F7D6 Fields: FFFFFF Borders: CCCCCC Text: 000000 Page Title: Payment Form

Header Text: SALE TRANSACTION

Footer Text:

IMPORTANT: Using 'Back / Refresh / Cancel' button after 'Process Payment' will not stop the transaction being processed and may result in a double charge.

CUSTOM FIELDS SECTION:

Click on “Display” link to make the Custom Fields section show.

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Field Name Field Label Field Context

custom_id invoice_number hidden

opr_page operation_screen hidden

transaction_id Note TransactionID display_only

Please click “Update Form” button at the bottom to save the setup.

CREATE THE STORE (REFUND) FORM

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REFUND (STORE) TRANSACTION FORM SETUP:

A new or copied Refund (Store) form should have the following settings:

GENERAL SECTION:

Receipt Page URL: https://sms.petpoint.com/sms3/forms/BFRefund.aspx

Decline Page URL: https://sms.petpoint.com/sms3/forms/BFRefund.aspx

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APPEARANCE SECTION:

Click on “Display” link to make the Appearance section show.

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Page Title: Refund Form

Header Text: REFUND TRANSACTION

Footer Text:

IMPORTANT: Using 'Back / Refresh / Cancel' button after 'Process Payment' will not stop the transaction being processed and may result in additional charge.

Click on “Add New Group” button and add three groups one by one as displayed below:

transaction_id Note TransactionID hidden

TRANSACTION SEARCH

A Transaction Search is available to locate the information that PayConex has collected about the credit card transactions it has processed. You may search by any combination of the details available in the form shown below, or run the Search with no details for the Transaction History on the 50 most recent transactions, and export the search, if needed, to CSV.

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REPORTS

In addition to the Transaction Search, there are a number of reports that can pull transaction information from PayConex in report format.

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TRANSACTION HISTORY

DAILY CARD TOTALS

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EVENT LOG

PROCESSING CREDIT CARDS FROM WITHIN PETPOINT

ADD/EDIT COMPANY INFO OR ADD/EDIT SITE PAYMENT PROCESSING

Set up the Payment Processing section of the Add/Edit Company Info screen and the Add/Edit Site screen, if your organization has sites. Please ensure there are no extra spaces before or after the API Access Key.

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Payment Processor: Values for this drop down menu are XCharge and Bluefin. This document is only for setting up Bluefin accounts.

Account: Your Account Number can be found in PayConex Settings on the Manage Settings screen.

API Access key: Your Authentication Key can be found in PayConex Settings on the Manage Settings screen. Sale Form ID: Input the ID of the form used for Sales transactions found in PayConex Tools Hosted Payment Forms.

Refund Form ID: Input the ID of the form used for Store (Refund) transactions found in PayConex Tools Hosted Payment Forms.

RECEIPT SCREEN NEW RECEIPT

To create a new receipt with a Bluefin credit card transaction, create your receipt as you usually would, either through Finance > Add Receipt, or by clicking the Create Receipt button on any operation.

Select the Manual Card Entry check box if you plan on typing in the credit card information, which is only available if your Hosted Payment Form for this site has the “Card Not Present/Keyboard” Payment Capture Method checkbox indicated. Then, click Process Now.

The screen will navigate to the Payment Form as shown below, and is ready to accept credit card information by swiping your card reader.

Special Setup Note: Some browsers may need “*.payconex.com” added to the pop up blocker exceptions and compatibility view settings lists in order to correctly view the Payment Form. If you see only a blank screen, please update your websites listed in the settings. More information on how to do this can be found in our

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If you are processing a credit card with Manual Card Entry, the screen will appear as shown below, and is ready for you to input credit card information manually.

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Enter the Card Number, CCV2, and the Expiration Date. The First name and Last Name are populated from the PetPoint Receipt. Click Process Payment.

The PetPoint Receipt will display:

NEW RECEIPT – ANONYMOUS PERSON

You may use the Finance > Add Receipt screen to create a receipt and a credit or debit card transaction for an anonymous person (with no Person Record created in PetPoint). Create your receipt as you usually would, and check “Assign anonymous person”.

When the Bluefin payment form is displayed, enter the Card Number, CCV2, and Expiration Date. First & Last Name must be entered. Click Process Payment.

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VOID A RECEIPT

Administrators and Jr. Administrators with the ability to void receipts may do so on those receipts with credit card transactions attached to them. Follow the same process as always: search for the receipt, then click the Void button.

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Click OK to confirm that you are also voiding the credit card payment. The Receipt is Voided message will appear, and the credit card Void Transaction will also show on screen.

DECLINED List of error codes:

Amount Error Call Auth Center Call Ref Declined Declined CVV2 DL Error – Return Exceeds Amt Lmt Expired Card Incorrect Pin Invalid Card Pick Up Card Please Retry5270 Please Retry5305 Serv Not Allowed

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Users should not process multiple receipts at the same time, this is a standard online transaction practice. This scenario can occur when there are multiple windows or tabs open, such as a credit card receipt is in progress using the Create Receipt button, which opens in a pop-up, and the user attempts to begin another receipt through the Finance > Add Receipt screen. The following message will appear:

Clicking "Do Not Reset" will:

Wait for any process running to finish (usually 1-6 minutes).

After clicking “Do not Reset” If user tries to access “Receipt” again and the previous transaction has not received a Success or Failure response from PayConex, then it will show the same warning again.

Clicking "Reset" will:

First make a single attempt to get the response for any current transaction, if it finds successful response, it will save it.

It will then redirect the user to Receipt screen, so that user can process transaction.

If user tries to access “Receipt” page after clicking “Reset”, it will NOT show the same warning.

POP UP MESSAGE ON PAYMENT SCREEN

The Bluefin payment screen timeout is set for five minutes. If there is no activity on the Bluefin payment screen, the form will display a warning at four minutes.

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And if another minute goes by with no activity, the screen will navigate to the Transaction Expired message.

REFUND SCREEN

When item(s) has been selected and save item button has been clicked, the Refund section will display two new checkboxes:

REFUND TO SAME CREDIT CARD

When “Refund to Original Card?” is selected, and you have clicked Submit Receipt, a pop up message will confirm your action.

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Click OK, and a Refund Receipt will display.

The refunded item will display on the receipt as well as the original transaction detail and the Return transaction detail.

REFUND TO DIFFERENT CREDIT CARD

When you have checked “Refund to Different Card?” the option for “Manual Card Entry” will appear as a check box, which is only available if your Hosted Payment Form for this site has the “Card Not Present/Keyboard” Payment Capture Method checkbox indicated. Once you click Submit Receipt, a confirmation pop up message will appear:

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Click OK, and you will be allowed to swipe or enter new credit card billing information for the refund, or enter the credit card information manually if selected.

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ONLINE LICENSING

For Online License payment transactions a separate merchant account number and login to PayConex will be provided by Bluefin. A Hosted Payment Form for Sale and Refund will need to be created. The Refund form will allow you to process a refund for an Online Licensing transaction from the Receipt screen within PetPoint.

ONLINE LICENSING (SALE) TRANSACTION FORM SETUP:

An Online Licensing (Sale) form should have the following settings:

Please be very careful in setting up the form as displayed below, otherwise it will not work correctly and may also result in loss of transactions in PetPoint.

IMPORTANT NOTE: HTTP VS. HTTPS

The URLs listed in the Response Handling and Form Timeout Sections on the setup for the Sale Transaction Form may need to be set up differently based on which version of the Online Licensing I-frame code you currently have added to your website. If you use a secure and encrypted link (https) in the I-frame code, you will want to alter the URLs shown below to point to https://sms.petpoint.com/licensing... With a standard link to the non-secure version (http) you will need the URLs to point to http://sms.petpoint.com/licensing..., as shown below. Contact your web administrator if you need a recommendation on which URL to use.

GENERAL SECTION:

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Receipt Page URL: http://sms.petpoint.com/licensing/BFLicResponse.aspx

Decline Page URL: http://sms.petpoint.com/licensing/BFLicResponse.aspx

Form Cancellation URL: http://sms.petpoint.com/licensing/BFHandler.aspx?Cancel=lic

Timeout Redirect URL: http://sms.petpoint.com/licensing/BFHandler.aspx

APPEARANCE SECTION:

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Form: E7F7D6 Fields: FFFFFF Borders: CCCCCC Text: 000000 Page Title: Payment Form

Header Text: SALE TRANSACTION

Footer Text:

IMPORTANT: Using 'Back / Refresh / Cancel' button after 'Process Payment' will not stop the transaction being processed and may result in a double charge.

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Click on “Add New Group” button and add three groups exactly as displayed below:

transaction_id Note TransactionID display_only

CREATE THE REFUND FORM FOR YOUR ONLINE LICENSING ACCOUNT

Begin by Copying or Creating a New Form, as before. Note that the Refund Form for Online Licensing is set up the same as the Refund Form for Store transactions in the previous section.

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ONLINE LICENSING REFUND (STORE) TRANSACTION FORM SETUP:

A new or copied Online Licensing Refund (Store) form should have the following settings:

GENERAL SECTION:

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Receipt Page URL: https://sms.petpoint.com/sms3/forms/BFRefund.aspx

Decline Page URL: https://sms.petpoint.com/sms3/forms/BFRefund.aspx

Form Cancellation URL: https://sms.petpoint.com/sms3/forms/BFHandler.aspx?Cancel=ref

APPEARANCE SECTION:

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Form: E7F7D6 Fields: FFFFFF Borders: CCCCCC Text: 000000 Page Title: Refund Form

Header Text: REFUND TRANSACTION

Footer Text:

IMPORTANT: Using 'Back / Refresh / Cancel' button after 'Process Payment' will not stop the transaction being processed and may result in additional charge.

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transaction_id Note TransactionID hidden

ONLINE LICENSING SITE - ADD/EDIT SITE PAYMENT PROCESSING

Set up the Payment Processing section of the Add/Edit Site screen, which has been specifically created for an Online Licensing client portal placed on your website. Make sure the “Is Online Licensing Site” checkbox has been checked.

An existing site cannot be used as an Online Licensing site, as your facility’s credit card and online license credit card processing are different types of processes and should be kept separate. For more instruction on Online Licensing, click here to access PetPoint's Online Help Guide.

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WEBSITE REQUIREMENTS FOR ONLINE TRANSACTIONS

In order to use Bluefin for payment processing online, your website must meet certain criteria:

1. Complete description of goods and services, including delivery methods. Note: You must be able to provide Bluefin and link to this description.

2. Currency of transaction provided.

3. Return / Refund Policy described in full detail so cardholders know their options before purchasing the product / service.

4. Primary contact, including e-mail address or telephone number Note: This can be on the main website page.

5. Address of your permanent establishment. This information may be display on any page within your website, but must be readily accessible to a cardholder, and remain displayed for at least 90 calendar days after the last day on which a transaction was performed. Note: Same as contact information. 6. Privacy Policy is clear and concise with disclosures on what information is collected and tracked and with

whom it is shared. Note: See Privacy Policy examples below.

If all of the requirements are not completed by the time the merchant account is set up, they will approve the account with restrictions (Conditional Approval). All sales will be held with a 100% reserve until your website has met all of the requirements. Once all website requirements are met, please [email protected] to review and request a release of these funds.

Failure to comply with the requirements established by Bluefin could result in the inability to retrieve your funds. Please contact Bluefin with any questions or concerns.

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PRIVACY POLICY EXAMPLES

*Note: The examples provided below are to assist you in writing your own policies. You can use any wording seen below to customize your policies for your business. These examples correspond to the Website Compliance Checklist items for 1). The Terms & Conditions, 2) the Return/ Refund Policy, and 3) the Privacy & Security Policy.

Example Client #1: (short version) Terms & Conditions

Information published on this web site is provided for the use of its visitors and you are advised that, although care has been taken to ensure technical and factual accuracy, some errors may occur. No guarantee is given of the accuracy or completeness of information on these pages. Please be aware that XYZ SHELTER may alter the information on its web site from time to time. XYZ SHELTER shall have no liability arising from the use by any party of the information on this web site. XYZ SHELTER does not warrant the information on this web site in any way and in particular no warranty is given that the web site or its contents or hypertext links are virus free or uncontaminated. You are advised to make your own virus checks and to implement your own precautions in this respect. XYZ SHELTER exclude all liability for contamination or damage caused by any virus or electronic

transmission.

Return / Refund Policy

 Payment for all classes must be received 14 days prior to the scheduled class date to ensure your seat.

 Cancellations within 14 days will not be refunded.

 Cancellations prior to 14 days will receive a credit towards a future class based on availability and similar cost.

Privacy & Security Policy Commitment to Data Security

Your personally identifiable information is kept secure. Only authorized employees, agents and contractors (who have agreed to keep information secure and confidential) have access to this information. All emails and

newsletters from our sites allow you to opt out of further mailings.

XYZ SHELTER will never sell trade, rent, exchange or otherwise share your personal information with any other person, company or organization.

Example Client #2 Contract Terms & Conditions

All services purchased from XYZ SHELTER must be preceded by the applicant acknowledging, by way of completing a PAR-q form, that he/she has no physical limitations preventing him/her from participation. All applicants under the age of 18 years must have consent, in written form, from a parent or guardian. The applicant also agrees to abide by the rules and regulations of the SHELTER and acknowledges that these rules and regulations may change from time to time. Furthermore, all applicants release XYZ SHELTER, its owners,

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directors, managers and all employees of all liability regarding 1) any injury to self or child 2) any loss or damage to personal property. If purchasing packages that require payments to be made in installments, the applicant agrees to approve such installments be made by credit card on the dates as predetermined in the services contract.

Registration & Purchase:

To register or purchase from the XYZ SHELTER online booking system, you must be over eighteen years of age. You must ensure that the details provided by you on registration or at any time are correct and complete. Refund & Cancellation Policy

Sessions

Cancellation – 24 hours’ notice is required for cancellation of single sessions. Missed sessions without the appropriate notice will be charged as if attended.

Medical Cancellations - Cancellation is permitted where an athlete or team is not able to participate in a single sessions for medical reasons. A doctor’s note confirming that the athlete or team was not permitted to participate is required within 7 days of missed session and upon receipt, a credit for a makeup session will be issued.

Camps & Programs

Cancellation - 14 days of notice is required for camp or program cancellations. Any cancellations by an athlete or team with 14 or more days of notice will be processed and a $25.00 administration fee per athlete will apply. Cancellation Within 13 Days Of Camp – No cancellations by an athlete or team will be accepted within 13 days of the beginning of camp.

Medical Cancellations - Cancellation is permitted where an athlete or team is not able to participate for medical reasons. A doctor’s note confirming that the athlete or team is not permitted to participate is required and upon receipt a refund will be processed.

Privacy Policy Your Privacy

XYZ SHELTER respects your privacy and pledges to maintain the confidentiality of your personal information. All personal information you share with us is maintained in accordance with the Personal Information Protection and Electronic Documents Act (2000). References to XYZ SHELTER may include its affiliates, depending on the context. For questions regarding our privacy policy please express this in writing to: Privacy Policy, XYZ SHELTER

### Address, CITY, STATE, Postal code Legal Obligation of Information Release

XYZ SHELTER will release any information that is required to be released by law or court order. In exceptional circumstances it may be necessary that we disclose your personally identifiable information if we believe, in good faith, that disclosure is otherwise necessary or advisable to protect Advantage 4 Athletes Conditioning Centre’s interests. We will seek to ensure that any proposed disclosure is required in the

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Use of Your Information

XYZ SHELTER obtains most of our information through the signing of waivers and completion of Par-Q forms. With your consent we may also obtain personal information about you from third parties. This may include parents, guardian, coaches or whoever is registering you in a program and paying for your registration. Use of your personal information for any purpose other than those outlined or the release of such information by parties outside of XYZ SHELTER or its affiliates will take place only under the following circumstances: (a) When you give consent – We will disclose your personal information when you have given consent. Under no circumstances do we sell participant or personal information to others. Please note that we will not share health information that may have been provided in connection with a program, program withdrawal or request for refund. With your consent, we may use certain information to provide you with information about

XYZ SHELTER and its affiliates and programming. This consent is optional and you can decide to withdraw it at any time. Information collected by XYZ SHELTER about its users is used internally by authorized employees of

XYZ SHELTER for following reasons: To process payment, register you in the program of your choice, update you when required of any possible changes of the planned services at XYZ SHELTER, determination of those areas, features, and services that are valued the most and found most helpful. Also, we collect information to determine the appropriate participation in the activities and services provided at the XYZ SHELTER and on our site.

Securing Your Information

The XYZ SHELTER website uses sophisticated security and safeguard measures to protect users' information. One such measure is our use of secure server software (SSL), to ensure that your credit card will be protected against fraudulent use while on our site.

Example Client #3 (Detailed version) Terms & Conditions

If you access and use this Web site (the "Site"), you accept and agree to be bound by and comply with these terms (the "Terms"). If you do not accept the Terms, do not use the Site.

 General

o All products and services of XYZ SHELTER and its subsidiaries and affiliates are subject to the terms and conditions of the applicable agreements governing their use.

o _{The Terms are to be read by you together with any terms, conditions or disclaimers provided in} the pages of the Site. In the event of any conflict, the terms provided in the pages of the Site will govern.

o _{The information, material and content provided in the pages of the Site (the "Information") may} be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access or use of the Site will mean that you agree to any changes.

 Internet E-Mail

o Any unprotected E-Mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential, subject to possible interception or loss, and is also subject to possible alteration.

 No Endorsements

o No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any Information.

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 Links/Software

o Links from or to web sites outside the Site are meant for convenience only. XYZ SHELTER does not review, endorse, approve or control, and is not responsible for any sites linked from or to the Site, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and XYZ SHELTER will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and XYZ SHELTER is not responsible or liable for any difficulties or

consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

 Payment for Products & Services

o All Credit Cards will be processed in Canadian Dollar at the time of payment. XYZ SHELTER is not responsible for any fees, charges, exchange rates or additional charges levied by individual financial institutions or Credit Card companies.

Refund / Cancellation Policy Services

 Private Training

o If your scheduling conflict is known in advance and we are notified at least 24 hours ahead of time, it MAY be possible to make the session up at a later date or with a different trainer. However, this cannot be guaranteed.

o Any sessions missed with less than 24 hours notification are forfeited.

o If you have not already paid for the session, your account/card will be charged for the full amount of the session.

o If no card/account information is present, no further sessions will be conducted until the outstanding payment is received.

 Additionally, reserved time slots may be lost if payment is not made in a timely manner.

 Registered Programs

o Pre-paid classes are refundable

o If you are unable to attend a program due to circumstances out of your control (determined on a case-by-case basis by our administration), we can offer you a refund if you notify us prior to your session start date. However we do charge a 30% cancellation fee. This cancellation fee may be avoided if you opt for a service credit instead of a refund.

 NOTES: Service credits are valid for 30 days only!

o If we are notified after your session begins, we can only give you a credit towards another program. This credit is nontransferable and accounts for only the sessions remaining in your program at the time you requested cancellation.

 There is no cash refund.

 There is no refund for merely changing your mind!

 We are here to get you results and these results cannot be achieved if you fail to attend the program!

 This is not negotiable.

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o If your scheduling conflict is known in advance and we are notified at least 24 hours ahead of time, it MAY be possible to make the session up at a later date or with a different group. However, this cannot be guaranteed.

o Any classes missed without 24 hours notification are forfeited.

o If you have not already paid for the class, your account/card will be charged for the full amount of the session.

 Consulting

o No refunds are available for completed consulting services.

o Unused, pre-paid and retainer-based consulting services may be eligible for a refund depending on the agreement between you and the XYZ SHELTER subsidiary. Standard notice for cessation of services is one calendar month, but this may vary between contracts. Be sure to check your agreement for details.

Products

 Fitness Equipment and Accessories

o May be returned within 14 days for exchange only. Returns are valid only for products that have not been opened, used or damaged.

o Products which are defective or damaged upon arrival may be returned immediately for exchange.

 Some products may need to be shipped directly to the manufacturer. This will be stated on the product package or instruction insert. Should you be unsure if this is the case, please contact us using the information at the bottom of this page

o Customers are responsible for all shipping charges on exchanges or refunds.

o Refunds are only available when an equivalent replacement in unavailable and customer does not wish to exchange for another product

 Books, DVD's, Posters

o May be returned within 14 days for exchange only. Returns are valid only for products that have not been opened, used or damaged.

o Products which are defective or damaged upon arrival may be returned immediately for exchange.

o Customers are responsible for all shipping charges on exchanges or refunds.

o Refunds are only available when an equivalent replacement in unavailable and customer does not wish to exchange for another product.

 Digital Products (Audio, Video, E-Book downloads)

o These products are not eligible for return or exchange.

o Should your file be defective or damaged upon arrival please contact the appropriate division of the XYZ SHELTER where you purchased the product and we will arrange for a copy of the file to be re-sent.

o Should you be dissatisfied with the quality or content of the file, we would be happy to hear your feedback. Please contact the appropriate division of the company.

Privacy Policy

Thank you for visiting the XYZ SHELTER. This privacy policy tells you how we use personal information collected at this site. Please read this privacy policy before using the site or submitting any personal information. By using the site, you are accepting the practices described in this privacy policy. These practices may be changed, but any changes will be posted and changes will only apply to activities and information on a going forward, not

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retroactive basis. You are encouraged to review the privacy policy whenever you visit the site to make sure that you understand how any personal information you provide will be used.

Note: the privacy practices set forth in this privacy policy are for web sites within the XYZ SHELTER portfolio. If you link to other third party web sites, please review the privacy policies posted at those sites. The XYZ SHELTER

is not responsible for how data or information is treated/handled by any third party web site that is linked to from our sites.

Collection of Information

We collect personally identifiable information, like names, postal addresses, email addresses, etc., when voluntarily submitted by our visitors. The information you provide is used to fulfill you specific request. This information is only used to fulfill your specific request, unless you give us permission to use it in another manner, for example to add you to one of our mailing lists.

Cookie/Tracking Technology

The Site may use cookie and tracking technology depending on the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Site, and understanding how visitors use the Site. Cookies can also help customize the Site for visitors. Personal information cannot be collected via cookies and other tracking technology; however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.

Distribution of Information

We may share information with governmental agencies or other companies assisting us in fraud prevention or investigation. We may do so when: (1) permitted or required by law; or, (2) trying to protect against or prevent actual or potential fraud or unauthorized transactions; or, (3) investigating fraud which has already taken place. The information is not provided to these companies for marketing purposes.