Effective Date: May 5, 2026

These terms and conditions (“Terms and Conditions”) govern the relationship between Luxury

Travel with Nicole, LLC (“LTN” and/or “we/us/our”), solely owned by Nicole Andregg and you,

the purchaser or traveler (“Client” and “you/your”). By planning travel with LTN, you agree to

be bound by these terms and acknowledge that LTN acts solely as a booking agent for disclosed

principal supplier tour operators, cruise lines, hotels, airlines, air charters, bus companies, ground

transportation, boat purveyors or owners, and other independent contractors providing

accommodations, transportation, and other services (“Supplier(s)”) and is not the source or

provider of the travel services. These terms include warranties and disclaimers and exclusions of

liability and may restrict your rights and remedies and provide protection to LTN.

1. USE OF LTN SERVICES, ACCESS AND INFORMATION FOR TRAVEL BOOKINGS

You warrant that you are at least 18 years of age and possess the legal authority to enter into this

Agreement and to make travel bookings with LTN. You agree to be financially responsible for all

travel bookings you make with us, whether made on behalf of yourself or for other members of

your traveling party. You warrant that all information supplied by you on behalf of yourself,

members of your household, or others for whom you are authorized to transact business with us

is true and accurate. You agree that you will only make legitimate reservations or purchases with

LTN and its Suppliers, and you acknowledge that, without limitation, any speculative, false, or

fraudulent reservation is prohibited. LTN accepts all bookings solely as the booking agent for the

travel Suppliers on your itinerary. Separate Supplier terms and conditions will apply to your

reservation and purchase of travel-related goods and services that you select, and you understand

and agree that by booking travel through LTN, you are also agreeing to the booking terms of

each Supplier partner you have selected for your itinerary. You agree that you will abide by the

terms and conditions of purchase imposed by any Supplier that you have selected as a service

provider on an itinerary you have approved. LTN is not liable or responsible for any

arrangements made independently of LTN. LTN assumes no responsibility for costs or fees you

incur for independent arrangements not booked through LTN, inclusive of, but not limited to,

airline, hotel, excursion, and travel protection related charges. If you make your own flight

arrangements, LTN is not responsible for any loss resulting from cancellation or changes in

international gateways, itineraries, or travel dates, and cannot assist you with any schedule

changes or delays related to air reservations you have made on your own arrangement. It may not

be possible to earn frequent flyer or other loyalty points for reservations on your itinerary. With

limited exceptions, hotel, casino, and airline rewards or points cannot be redeemed for travel

arrangements made by LTN. LTN is an independent contractor of Travel Quest Network/

WorldVIA, California Seller of Travel 2073234-00, Florida ST36257, Washington 602864166.

Registration as a seller of travel does not constitute approval by the State of California.2. RIGHT TO CORRECT ERRORS AND OFFERS SUBJECT TO AVAILABILITY

We reserve the right to correct errors. In the event of any pricing error or omission, we reserve

the right to adjust such pricing or make any other corrections. All offers, incentives and Supplier

promotions are subject to availability and may change without notice. You are advised to confirm

reservations well in advance of your anticipated dates of travel to avoid disappointment,

increases in fares and additional late booking fees. Availability and pricing of services may

fluctuate, based on the Supplier’s pricing policies.

3. PAYMENTS, CANCELLATIONS, AND CHANGES TO BOOKINGS

You shall be completely responsible for all charges, fees, duties, taxes, and assessments arising

out of your travel bookings through LTN. By submitting a credit card authorization form to LTN,

you agree to allow LTN to use your payment method to purchase travel products from our

Suppliers on your behalf. EXCEPTING IN CASES 0F FRAUD, YOU AGREE NOT T0 FILE

ANY DISPUTE WITH YOUR BANK OR CREDIT CARD COMPANY TO AVOID OR

VIOLATE ANY BOOKING TERMS AND CONDITIONS OF LTN OR ITS SUPPLIERS,

INCLUDING CANCELLATIONS OR CHANGES OF ITINERARY OR ARRANGEMENTS

FOR REASONS BEYOND THE CONTROL OF LTN OR ITS SUPPLIERS. IF YOU

ATTEMPT TO CHARGEBACK, REVERSE OR RECOLLECT A PREVIOUSLY

AUTHORIZED TRIP PAYMENT, LTN RESERVES THE RIGHT TO COLLECT ALL

ADDITIONAL COSTS, FEES AND EXPENSES ASSOCIATED WITH SUCH

CHARGEBACK, REVERSAL OR RECOLLECTION, INCLUDING, WITHOUT

LIMITATION, ATTORNEY FEES. All payments for travel are due prior to departure according

to each Supplier’s terms and conditions of booking. You understand that failure to make final

payment or any violation of a Supplier’s conditions of purchase may result in cancellation of

your reservations, in your being denied access to any flights, tours, hotels, cruises, or other travel

services, or in your forfeiting any monies paid for your reservations. In some cases, there is NO

REFUND once a booking is made and under deposit. You may not be entitled to a refund if you

change or cancel your travel plans after confirmation of a booking. All cancellation requests

must be sent to LTN in writing. As a result of cancellation or changes to confirmed bookings,

LTN's and third-party Supplier’s cancellation penalties will apply. Cancellation fees will be

charged to the credit card or other payment method you authorized to pay for travel services or

deducted from the Supplier’s refund. If you decide to change any portion of your confirmed

arrangements prior to departure or during your trip, we will attempt to assist you. Certain

bookings may not be able to be changed, and you will be responsible for any increases in cost

imposed by the Supplier, as well as any LTN or Supplier change fees. All requests for changes to

a booking must be made in writing to LTN. When tour, cruise or package prices are based on

Suppliers’ contract rates, you will not be entitled to any refund for any unused portion of travel.4. TRAVEL DOCUMENTS, INCLUDING TSA AND DHS ACCEPTABLE IDENTIFICATION

REQUIREMENTS

It is the responsibility of each Client to obtain and carry a valid passport book, visa(s), and all

other documents required by applicable government regulations. Passport cards are not accepted

for most international travel. When traveling domestically or internationally, the U.S.

Transportation Security Administration (TSA) and U.S. Department of Homeland Security

(DHS) advise that everyone carry acceptable identification in order to board a flight. Acceptable

identification can be found at http://www.tsa.gov/ and examples include DHS-designated

enhanced driver’s license, US passport, or a foreign government passport. Beginning May 7,

2025, you will need a state-issued REAL ID compliant license or identification card, or another

acceptable form of ID (such as a passport), to fly within the United States. Certain countries will

not admit a passenger if their passport expires within six (6) months of the anticipated date of

return. Non-United States citizens may require additional documentation, and you are

responsible to make LTN aware when traveling on a passport from a country other than the

United States of America. LTN neither controls nor warrants the issuance of visas or approval of

visa waivers related to your travel. Should a visa not be issued, LTN is not responsible for lost

payments made toward your trip. Please note that rules of each country regarding entry and exit

may change at any time. 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 https://

help.cbp.gov for additional information. The U.S. Customs and Border Protection Agency

requires that for groups of children under age 19 arriving to the United States by land or sea from

contiguous territory and traveling with a school group, religious group, social or cultural

organization, or sports team, may also present an original or copy of his or her birth certificate, a

Consular Report of Birth Abroad, or a Naturalization Certificate. Parental or legal guardian

consent must be provided to the supervising adult or group leader in writing. The name, date of

birth and gender that appears on the identification card must exactly match the same such data

that is listed on your tickets and booking records. You acknowledge that it is your responsibility

to ensure that the information on your tickets and confirmations is accurate. Any discrepancy

between your reservation and your travel documentation may result in denied boarding or an

undue delay at an airport security checkpoint causing you to miss your flight, and any subsequent

scheduled travel bookings on cruises and tours. WHEN YOU RECEIVE YOUR TRAVEL

DOCUMENTS, IT IS YOUR RESPONSIBILITY TO REVIEW AND VERIFY ALL

INFORMATION FOR ACCURACY. CONTACT LTN IMMEDIATELY IF CHANGES OR

CORRECTIONS ARE REQUIRED. IF YOU HAVE NOT NOTIFIED US OF NECESSARY

CORRECTIONS TO YOUR RESERVATION WITHIN TWENTY-FOUR (24) HOURS OFRECEIVING YOUR TRAVEL DOCUMENTS, LTN BEARS NO RESPONSIBILITY FOR

ANY ADDITIONAL COSTS ASSOCIATED WITH

MAKING NECESSARY CORRECTIONS.

5. INDIVIDUAL ENTRY AND EXIT REQUIREMENTS

Each country holds different rules of entry for travel, including views of past criminal offenses,

whether within or outside of their boundaries, and it is your responsibility to know whether you

are eligible to enter the jurisdictions on your itinerary. If you have a current or prior criminal

offense, contact that country directly for entry and exit requirements. You can visit the US State

Department Website for further information about these requirements. See, https://

travel.state.gov/content/travel.html. We do not inquire about an individual’s criminal record in

the interest of respecting our Clients’ privacy. For example, if traveling to or through Canada,

individuals with a Driving While Intoxicated (DWI) record or with judgements for unpaid child

support should review current entry requirements. See: https://www.canada.ca. In some

countries, it is illegal to enter with firearms or ammunition, and if you attempt to enter a country

with prohibited items, you may be detained, refused admission, or arrested.

6. IMMUNIZATIONS AND HEALTH SCREENINGS

You must have the proper immunizations and health screenings and required documentation of

such immunizations and screenings before travel. LTN shall not assume responsibility for the

accuracy of health, vaccination, or documentation requirements prior to departure or upon

landing at the final destination. In some cases, required inoculations must be recorded by Client’s

health practitioner on a valid vaccination certificate, which the Client must carry for proof of

inoculation. If you are concerned about taking any medications or receiving certain inoculations,

check with your health practitioner BEFORE booking. Check the State Department Web site

http://travel.state.gov, for relevant information relating to travel to specific destinations, and the

Center for Disease Control http://wwwnc.cdc.gov/travel/ relating to health issues related to

travel.

7. RISKS AND SAFETY

Travel to certain destinations may involve greater risk than others. LTN urges Clients to remain

informed on a daily basis as to current news events, as well as to review travel prohibitions,

warnings, announcements and advisories issued by the United States Government prior to

booking travel to international destinations. Information on health and safety conditions in

various countries and the level of risk associated with travel to particular international

destinations can be found at http://www.state.gov, http://www.tsa.gov, http://www.dot.gov, http://www.faa.gov, http://www.cdc.gov, and http://www.cbp.gov. The Smart Traveler Enrollment

Program (STEP) is a free service provided by the U.S. Government to U.S. citizens who are

traveling to, or living in, a foreign country. STEP allows you to enter information about your

upcoming trip abroad so that the Department of State can better assist you in an emergency.

Registration is recommended and provided by going to https://step.state.gov/step/

BY OFFERING FOR SALE TRAVEL TO PARTICULAR DESTINATIONS, LTN DOES NOT

REPRESENT OR WARRANT THAT TRAVEL TO SUCH POINTS IS ADVISABLE OR

WITHOUT RISK, AND SHALL NOT BE LIABLE FOR COSTS, DAMAGES, OR LOSSES

THAT MAY RESULT FROM TRAVEL TO SUCH DESTINATIONS. CLIENT’S

PARTICIPATION CONSTITUTES ACCEPTANCE OF SUCH EVENTS AT CLIENT’S OWN

RISK. Certain activities that are included as part of itineraries that we book pose inherent risks

and may be dangerous. Your itinerary may also involve travel to remote areas without access to

medical facilities or treatment, changing weather conditions, interactions or encounters with

wildlife, and other potentially dangerous conditions. By booking a trip with LTN, you

acknowledge that you are aware that the physical exertion required to participate in certain

activities can activate or aggravate pre-existing injuries, conditions, or congenital defects. You

acknowledge that you should seek medical advice if you know or suspect that your physical

condition may be incompatible with the activities on your itinerary. You may be required to wear

approved safety equipment while participating in certain activities, and by booking travel with us

and participating in these activities, you agree to use the recommended safety equipment and to

ask questions if you are unsure about how to properly or safely use equipment. If you use,

consume, or are under the influence of alcohol or illegal drugs prior to or while engaging in any

activities on your itinerary, YOU ASSUME AND ACCEPT ALL RISKS, DANGERS, AND

HAZARDS THAT MAY RESULT INCLUDING THE POSSIBILITY OF PERSONAL INJURY,

DEATH, PROPERTY DAMAGE, AND LOSS, even in the event of negligence or fault by LTN

or third parties, and you indemnify LTN from any and all liability for any damage to property or

personal injury to any third party, resulting from your participation in the Activities, while,

during, or after consumption of illegal drugs or alcohol. In the event of emergent health or safety

concerns, once LTN has investigated the prevailing situation, LTN shall have the sole and

absolute discretion whether to proceed with any LTN escorted trip or private departure, or to

make alterations to the itinerary.

8. HAZARDOUS MATERIALS

Federal law prohibits passengers from bringing hazardous materials on the aircraft. (1) Federal

law forbids the carriage of hazardous materials aboard aircraft in the passenger’s luggage or on

the passenger’s person. A violation can result in five years’ imprisonment and penalties of

$250,000 or more (49 U.S.C. 5124). Hazardous materials include explosives, compressed gases,flammable liquids and solids, oxidizers, poisons, corrosives and radio- active materials.

Examples: Paints, lighter fluid, fireworks, tear gases, oxygen bottles, and radiopharmaceuticals.

(2) There are special exceptions for small quantities (up to 70 ounces total) of medicinal and

toilet articles carried in the passenger’s luggage and certain smoking materials carried on the

passenger’s person. For further information, each passenger should contact the relevant airline

representative(s) on their itinerary. Restrictions on hazardous materials are listed http://

www.tsa.gov/traveler-information/prohibited-items.

9. INSECTICIDE NOTICE

We recommend that you refer to the DOT list of airports in countries that require airlines to treat

the passenger cabin with insecticides prior to the flight or while on the aircraft. This list is on the

DOT’s website and is updated from time to time: http://www.dot.gov/office-policy/aviation-

policy/aircraft-disinsection-requirements.

10. AIR TRAVEL, SCHEDULE RECONFIRMATION, CHECK-IN

Your airline ticket is a contract between you and the air carrier, even if you purchase through

LTN. If you purchase air travel through LTN, you acknowledge and agree that LTN does not

have the right to control the operations of independent airlines, and agree that LTN is not liable

for any personal injury, property damage related to your purchase of air tickets or air travel,

including, but not limited to any act, error, omission, injury, loss, accident, or delay caused by

any act, error or omission of the airline, including their failure to deliver services, partial or

inadequate delivery of services, airline policies including refund or rebooking policies, fees for

checked or carry-on luggage, fuel increases, bankruptcy or cessation of operations. You

understand and agree that LTN functions solely and exclusively as a booking agent for the air

carrier, that we do not handle or hold client funds for airline tickets, and that we are not the

Merchant of Record under the meaning of that term under the Department of Transportation's

regulations. Because LTN does not hold or handle client funds, you understand and agree that

any refund for cancelled or delayed flights, baggage fees or seat assignments must come directly

from the airline and not from LTN. LTN shall not assume any responsibility for any air schedule

changes. In rare instances, upon departure from a country, certain departure taxes must be paid in

cash only, and may vary in price. Failure to use a reservation may result in automatic

cancellation of all continuing and return flights, as well as forfeiture of airfares. Airline e-tickets

expire a year from issue date unless carrier fare rules in passenger’s itinerary fare provide

otherwise. Due to enhanced security, it is strongly recommended that you check in a minimum of

2 hours prior to scheduled departure for domestic flights and 3 hours prior to scheduled departure

time for international flights. Reconfirm flight times at least 24 hours prior to scheduleddeparture time for domestic flights, and 72 hours prior for international flights. Frequent Flyer

mileage accrual is at the discretion of the airline(s). LTN has no liability if accrual of miles or

points is denied or if upgrades are not allowed. Many airlines do not permit

upgrades on airfare purchased in certain fare classes or when using frequent flyer miles, loyalty

status or certificates. Seat assignments are not guaranteed even after they are assigned, and LTN

has no control over airline seat assignments. Most airlines charge a fee to pre book a seat.

11. LIMITATIONS OF RESPONSIBILITY AND DISCLOSURE

LTN acts solely as a booking agent for disclosed principal Suppliers and is not the source or

provider of any travel service. Each Supplier is an independent entity with its own management

and is not subject to the control of LTN. The Suppliers whose names appear in travel

documentation are those actually responsible for providing the travel services purchased, and

you consent to the use of those Suppliers. LTN is not responsible if a restaurant, tour operator,

cruise line, or other service provider on your tour is unable to or fails to accommodate your

dietary restrictions or requirements. We may book wellness travel for clients, which may include

yoga, meditation, medi-spa, and other activities, treatments and services intended to maintain,

manage, or improve travelers' health and well-being ("Activity" or "Activities"). We have no

specialized knowledge of the practices or techniques employed by our Suppliers, and make no

representations of the qualifications of the professionals and practitioners who offer these

Activities. We make no representations that by participating in these Activities there will be any

demonstrable improvement in your physical, mental, emotional, or spiritual well-being. We are

not responsible if your participation in these activities leads to a worsening of any condition you

may have. We are not responsible for any injuries you may sustain, illnesses you may contract,

including injuries or illnesses that may result in loss of life. You acknowledge that you are

voluntarily participating in the Activities on your itinerary, and that you understand that there are

risks associated with your participation in the Activities, such as physical and/or psychological

injury, pain, suffering, illness, disfigurement, temporary or permanent disability, death or

economic loss. These injuries or outcomes may arise from your own or other’s actions, inactions,

or negligence, or the condition of the Activity location (s) or facility (ies). Nonetheless, you

assume all risks of your participation in this Activity, whether known or unknown to you,

including travel to and from the Activity (including air travel) or any events incidental to this

Activity. The Supplier may determine that alterations in itinerary are necessary for any number

of reasons, including but not limited to severe weather. Any alterations to an itinerary are at the

sole discretion of the Supplier, and LTN bears no responsibility for any changes. BECAUSE

LTN ACTS AS AGENT FOR DISCLOSED PRINCIPAL SUPPLIERS AND DOES NOT HAVE

THE RIGHT TO CONTROL THE OPERATIONS OF SUCH INDEPENDENT OPERATORS

AND SUPPLIERS, YOU AGREE THAT LTN IS NOT LIABLE FOR ANY PERSONALINJURY OR PROPERTY DAMAGE, WHICH MAY ARISE OUT OF THESE SERVICES. LTN

HEREBY DISCLAIMS ANY LIABILITY WHETHER

BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, INCLUDING

WITHOUT LIMITATION LIABILITY FOR ANY DIRECT, PUNITIVE, SPECIAL

CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES IN CONNECTION WITH

THE GOODS OR SERVICES PROVIDED BY ANY PRINCIPAL SUPPLIER BOOKING

THROUGH LTN, INCLUDING WITHOUT LIMITATION LIABILITY FOR ANY ACT,

ERROR, OMISSION, INJURY, LOSS, ACCIDENT, DELAY OR IRREGULARITY WHICH

MAY BE INCURRED THROUGH THE FAULT, NEGLIGENCE, WILLFUL ACTS,

OMISSIONS OR OTHERWISE OF SUCH SUPPLIER, OR OF ANY SUPPLIER OR THEIR

RESPECTIVE EMPLOYEES, AGENTS, SERVANTS, OR REPRESENTATIVES,

INCLUDING, WITHOUT LIMITATION, THEIR FAILURE T0 DELIVER 0R THEIR

PARTIAL OR INADEQUATE DELIVERY OF SERVICES, THEIR CANCELLATlON AND

REFUND POLICIES, FUEL INCREASES, BANKRUPTCY, OR CESSATION OF

OPERATIONS AND OTHER MATTERS OUTSIDE OF LTN’S CONTROL, AND YOU

HEREBY EXONERATE LTN FROM ANY LIABILITY WITH RESPECT TO THE SAME.

LTN HAS SOLELY RECEIVED COMMISSION AND FEES FOR TRAVEL TRANSACTIONS

AND CLIENT AGREES AND UNDERSTANDS THAT ANY RECOVERY FROM LTN WILL

BE LIMITED TO THE AMOUNT OF COMMISSION AND FEES ACTUALLY RECEIVED

BY LTN.

12. FORCE MAJEURE

LTN will not be in breach of these terms and conditions or otherwise be liable to you, for any

failure or delay in performing an obligation under this Agreement that is due to any of the

following causes, to the extent beyond its reasonable control: acts of God, accident, riots, war,

terrorist act, epidemic, pandemic, quarantine, civil commotion, breakdown of communication

facilities, including web host and internet service provider, breakdown or malfunction of

equipment, destruction of or serious damage to facilities, natural catastrophes including, but not

limited to extreme weather events, floods and volcanic eruptions, governmental acts or

omissions, changes in laws or regulations, national strikes, fire, explosion, generalized lack of

availability of raw materials or energy, and any other unforeseen circumstance which is beyond

the control of LTN. THE PURCHASE OF TRAVEL INSURANCE IS HIGHLY

RECOMMENDED ON ALL TRIPS. In addition, each of LTN’s Suppliers have terms and

conditions which include Force Majeure provisions. In the event that a Force Majeure event

occurs, those Suppliers may be entitled to, and may in their sole and absolute discretion, vary,

postpone or cancel any itinerary or arrangement in relation to the trip. Payment of any refund to

you as a result of the non-performance of any obligations hereunder shall remain in the sole andabsolute discretion of the Supplier pursuant to their policies, although LTN shall use its

reasonable efforts to secure reimbursement for you where possible.

13. CLIENT CONDUCT

Each participant in any trip escorted by LTN is expected to act responsibly and adhere to all

behavior guidelines established by LTN and our Suppliers, including adhering to dress codes at

religious or cultural sites, or Supplier dress codes. LTN and all local Suppliers reserve the right

to remove you from any facility, hotel or resort property, tour location or means of transportation

if your health or your conduct appears to endanger yourself or others, disrupts the general well-

being of other clients on any element of your trip, or interferes with the operation or security of

the places you visit. In any such case, there will be no refund. When you book with LTN, you

accept responsibility for any damage or loss caused by you. Full payment for any such damage

or loss (reasonably estimated if not precisely known) must be paid directly at the time to the

accommodation owner or manager or other Supplier. You must indemnify LTN for the full

amount of any claim (also including legal costs) made against us. We are not responsible for any

costs incurred concerning a guest removed from a trip, or any portion of a trip. You agree not to

hold LTN or any of its related entities liable for any actions taken under these terms and

conditions. Baggage and personal effects are at all times the sole responsibility of the participant.

Any transportation, possession or use of illegal drugs will result in immediate termination of

your trip and may result in prosecution by law enforcement authorities. You are responsible for

knowing and observing the licensing laws for drug possession (including prescription and over

the counter drugs) for all countries and states you are visiting. Laws may require you to carry a

prescription from your doctor.

14. TRAVEL INSURANCE

LTN OFFERS ACCESS TO TRAVEL INSURANCE TO PROTECT PASSENGERS AND

THEIR INVESTMENT IN TRAVEL. UNLESS SPECIFICALLY NOTED, TRAVEL

INSURANCE IS NOT INCLUDED IN THE COST OF CLIENT’S ITINERARY TO PROTECT

AGAINST THIRD PARTY SUPPLIER DEFAULT/BANKRUPTCY PROTECTION, DELAY,

INTERRUPTION, MISSED CONNECTION FOR CRUISES, CANCELLATION, MEDICAL

EMERGENCY TRANSPORTATION/EVACUATION & REPATRIATION, BAGGAGE &

PERSONAL EFFECTS/LOST LUGGAGE & BAGGAGE DELAY, ILLNESS, JOB LOSS

PROTECTION AND CHANGE OF PLANS, ACCIDENTAL DEATH AND DISABILITY,

TRAVEL ACCIDENT/SICKNESS MEDICAL EXPENSES, AND MORE. PROPER

INSURANCE MAY PROTECT YOU FROM FINANCIAL LOSS IN ALMOST ALL

CIRCUMSTANCES. Without appropriate travel insurance, you understand and agree that if you

cancel or interrupt your travel for any reason, portions of the trip/tour may not be refunded andLTN’s 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. The purchase of travel insurance is not

required in order to purchase any other product or service offered by LTN, however if you

decline to purchase insurance, LTN may require that you execute an insurance waiver. LTN is not

a licensed insurance broker, and its advisors are not qualified or authorized to answer technical

questions about benefits, exclusions, and conditions of any of the insurance offered, nor evaluate

the adequacy of the prospective insured’s existing insurance coverage. An additional charge

applies for any travel insurance selected. It is your responsibility to know what your insurance

policy covers, and to put alternative coverage in place, if you wish to insure for conditions that

are excluded by your policy. LTN CANNOT GUARANTEE THAT ANY INSURANCE

PROVIDER WILL APPROVE COVERAGE FOR A CLAIM MADE UNDER THE

INSURER’S POLICY AND MAKES NO REPRESENTATIONS ABOUT THE EXTENT OF

COVERAGE FOR ANY POLICY IT MAY OFFER OR QUOTE.

15. RESERVATION OF RIGHTS AND CHANGES TO THESE TERMS

We reserve the right, in our sole discretion, to change these Terms and Conditions at any time.

Updated versions of the Terms will be provided to Clients, will be posted on our website and are

effective immediately on posting.

16. GENERAL

The laws of the State of Ohio govern these Terms and Conditions. You hereby consent to the

exclusive jurisdiction and venue of courts in Cuyahoga County, Ohio in all disputes arising out

of or relating to travel bookings with LTN. Any claim against LTN must be brought within 12

months after the date of the completion of the trip and not later. LTN 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. You expressly agree to waive and

forego any and all rights to bring any such class actions, purported or proposed class actions, or

representative actions. If any part of these Terms and Conditions is determined to be invalid or

unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers

and liability limitations set forth above, then the invalid or unenforceable provision will be

deemed superseded by a valid, enforceable provision that most closely matches the intent of the

original provision and agreement shall continue in effect. These Terms and Conditions (and any

other terms and conditions referenced herein) constitute the entire agreement between the Client

and LTN with respect to travel bookings made with LTN by any means, and it supersedes allprior or contemporaneous communications and proposals, whether electronic, oral, or written,

between Client and LTN with respect to communications with LTN. A printed version of this

agreement and of any notice given in electronic form shall be admissible in judicial or

administrative proceedings based upon or relating to these Terms and Conditions to the same

extent and subject to the same conditions as other business documents and records originally

generated and maintained in printed form.