By indicating your acceptance, you understand, agree, warrant and covenant as follows: Ludington Youth Sailing School and any other associated groups, their officers, members or associates, appointed or volunteer, do not accept any liability for loss of life or property, personal injury or damage caused or rising out of any activity engaged in during the season for any reason whatsoever. By Participating in these water-based recreation programs, I am knowledgeable of the inherent risk in the sport. I also agree to assume the risks for myself and agree to hold the Ludington Youth Sailing School, its officers, employees and volunteers harmless and free of any liability for damage or injury that may incur from these activities. I hereby give Ludington Youth Sailing School the irrevocable right to use my picture or photography in all forms and media and in all manners, including composite or manipulated representations, for advertising, promotion, or any other lawful purposes, and I waive any right to inspect or approve the finished version(s) including written copy that may be created and appear in connection therewith.  Cancellations will be handled on an individual basis.  A 15% fee will be charged for refunds.  Partial attendance will not warrant a refund for days missed.  Full attendance is expected.