TERMS AND CONDITIONS:

1. Member understands that Adventure Advocates is not an insurance company or program. Accident Benefit Payments are made by the administrator for the insurance company issuing the blanket coverage to Members.

2. Adventure Advocates provides savings to its members on services through a number of sources. The current list of benefits may be modified through additions or deletions. A quarterly newsletter, posted on our website or sent via email, will keep members up to date on benefits and other pertinent information.

3. Payments for Adventure Advocates membership are due in advance. Payments will be automatically drafted on the 15th day of each month after the initial payment on your enrollment date.  If you choose to cancel your membership, it is your responsibility to make sure your written request for cancellation is sent to Adventure Advocates before the your next payment is processed in order for your account not to be charged.  An e-mail notification counts as written confirmation.

4.  Family memberships are only available for your spouse and dependent children (dependent children must be under age 19, children who are full time students may be up to 24 years of age).

5.  Members hereby understand and agree that it is their responsibility to contact the Adventure Advocates Marketing office to renew or update credit cards or bank cards that have expired.  Adventure Advocates will not be responsible for lapses in membership due to declined payments.

6. Member hereby appoints, Adventure Advocates President, or failing this person, an Adventure Advocates Director, as proxy holder for and on behalf of the member with the power of substitution to attend, act and vote for and on behalf of the member in respect of all matters that may properly come before the meeting of the members of Adventure Advocates and at every adjournment thereof, to the same extent and with the same powers as if the undersigned member were present at the same meeting, or any adjournment thereof. Annual meetings are to be held in Colorado in September.  The meeting date and location will be set in an announcement on this website at least 28 days in advance.

7. Adventure Advocates reserves the right to terminate any enrollment or deny eligibility in enrollment for lack of payment to Adventure Advocates. Returned checks, insufficient notices on bank drafts, denial by the member's credit/debit card company/bank for payment of the membership fee is deemed to be evidence of non-payment by a member. There will be a $10.00 charge to have your membership reinstated after such denial. If reinstatement of non-payment happens more than once, a $20.00 reinstatement fee will apply.

8. In the event of a dispute, member agrees to resolve such dispute solely by binding arbitration which shall be governed by the laws of the state of Colorado and enforceable at Colorado Springs, El Paso County.

9. Membership canceled within the first 30 days of enrollment may be eligible for a refund if the membership card and written cancellation requests are mailed to Adventure Advocates. Approved refunds will be processed approximately 30 days after cancellation.

10. Membership is effective on the 1st of the month following enrollment acceptance by Adventure Advocates.