Refund Policy
ΝΑΥΤΑΘΛΗΤΙΚΟΣ ΟΜΙΛΟΣ ΜΑΡΙΟΥΠΟΛΙΤΩΝ ΘΕΣΣΑΛΟΝΙΚΗΣ (Ν.Ο.ΜΑ.Θ.)
Website: yalrowingr.com
Last updated: 24-Nov-2025
1. Purpose and scope
This Refund and Cancellation Policy (“Policy”) explains when and how payments made in connection with the activities of ΝΑΥΤΑΘΛΗΤΙΚΟΣ ΟΜΙΛΟΣ ΜΑΡΙΟΥΠΟΛΙΤΩΝ ΘΕΣΣΑΛΟΝΙΚΗΣ (Ν.Ο.ΜΑ.Θ.) (the “Association”, “we”, “us”, “our”) may be refunded, and under which conditions bookings may be cancelled or changed.
This Policy applies to payments made for:
participation in our sports programmes
(Maximum, Yal + Yacht, Yal + Jeeps, Jacht + Jeeps, Only Yal, Only Jeeps, Only Yacht),
including both group programmes and Private programmes (for an individual or a closed group/company);participation in trainings and other sports activities;
membership fees and related contributions;
other contributions or fees explicitly mentioned as covered by this Policy.
This Policy forms part of our Terms of Use and must be read together with:
the relevant Programme Regulations;
the Training Regulations;
our Privacy Policy;
any specific conditions communicated to you at the time of booking or payment.
Nothing in this Policy affects any mandatory rights you may have under applicable consumer protection laws.
2. Who we are and how to contact us
Association:
ΝΑΥΤΑΘΛΗΤΙΚΟΣ ΟΜΙΛΟΣ ΜΑΡΙΟΥΠΟΛΙΤΩΝ ΘΕΣΣΑΛΟΝΙΚΗΣ (Ν.Ο.ΜΑ.Θ.) –
non-profit sports association under Greek law.
Address:
Floor 3, Ermou 18,
54624 Thessaloniki, Greece
Tax / VAT ID: 996400291
Website: yalrowingr.com
E-mail: info@yalrowingr.com
Phone: +306934501958
All refund and cancellation requests must be submitted using these contact details, unless we explicitly provide a different channel in your booking confirmation.
3. General principles
As a non-profit sports association, we aim to organise safe, high-quality activities while covering our real costs (boats, yachts, jeeps, equipment, safety measures, staff, insurance, administration, etc.).
When you book a place in a programme or training, we may incur costs and commitments in advance (e.g. reserving boats/yachts/jeeps, staff, fuel, permits). For this reason:
refunds are not automatic;
eligibility for a refund depends on:
the type of payment,
the timing of your cancellation,
whether we can reasonably avoid or recover our costs;
for some fees (for example, donations or certain membership fees) refunds are generally not available, except where required by law.
Where specific refund/cancellation conditions are stated for a particular programme, training or fee (for example, on the programme page, in the Programme Regulations or in your confirmation e-mail), those specific conditions prevail over this general Policy in case of conflict.
4. Types of payments and general refundability
4.1. Participation fees for programmes and trainings
These are fees paid to participate in:
sports programmes (Maximum, Yal + Yacht, Yal + Jeeps, Jacht + Jeeps, Only Yal, Only Jeeps, Only Yacht);
group or Private programmes;
trainings and similar activities.
Unless explicitly marked as “non-refundable”, participation fees may be refundable or partially refundable in accordance with:
this Policy; and
any specific conditions stated at the time of booking.
4.2. Membership fees
Membership fees (including initial registration fees, annual or periodic membership fees):
are generally non-refundable once the membership period has started or the member has used membership rights (e.g. participation in trainings, meetings, voting, etc.);
may be refundable only in exceptional circumstances, subject to our internal rules and applicable law.
Any refund of membership fees remains at the reasonable discretion of the Association, unless otherwise required by law.
4.3. Donations and voluntary contributions
Donations and voluntary contributions made to support the Association’s non-profit activities are typically non-refundable, as they are not payments for a specific service.
If a donation was clearly made in error (for example, wrong amount or duplicate payment), please contact us as soon as possible. We will review such cases individually and may decide to process a refund, taking into account administrative and payment processing limitations.
4.4. Third-party services
This Policy does not apply to costs for services provided by third parties that you arrange separately, such as:
travel/transportation;
accommodation;
meals not included in the programme;
visas or other documents.
Any refunds for such services must be addressed directly to the respective providers in accordance with their terms.
5. Cancellations by the participant
5.1. General rule
If you wish to cancel your participation in a programme, training or activity for which you have already paid, you must notify us as soon as possible using the contact details in section 2.
For each programme or training, we may indicate specific cancellation deadlines and conditions (for example, on the programme page or in the confirmation e-mail). Those specific conditions prevail.
If no specific rules are indicated, the following general principles apply.
5.2. Before we confirm your participation
If you make a payment and we are unable to confirm your participation (for example, because the programme is full, not available on the requested date, or cannot be organised for justified reasons), we will:
offer you an alternative date/programme, or
provide a full refund of the participation fee you have paid.
5.3. After confirmation – standard programmes
If your participation in a specific programme or training has been confirmed, and you decide to cancel:
We will always try, where reasonably possible, to offer:
rescheduling to another available date, and/or
credit towards another programme or training;
Where rescheduling is not possible or not acceptable to you, we may offer a partial or full refund, taking into account:
how far in advance you cancel;
whether we can fill your place with another participant;
non-recoverable costs already incurred (for example, vessel/jeep reservation, fuel, permits, staff).
The exact amount of any refund will be communicated to you after we review your request. In some cases, especially very late cancellations, the fee may be non-refundable.
5.4. Private programmes (individual or closed group)
Private programmes often involve additional advance commitments (exclusive booking of boats, yachts, jeeps, dedicated staff, specific itineraries). Therefore:
cancellations for Private programmes may be subject to stricter conditions than standard group programmes;
where specific cancellation conditions are provided to you in writing (for example, in an offer or confirmation e-mail), those conditions apply.
In general, we will:
aim to reschedule the Private programme to another mutually acceptable date;
where rescheduling is not possible, assess which part of the fee can be refunded after deducting non-recoverable costs.
5.5. No-shows and early departure
If you do not show up for a programme or training without prior notice (no-show), any fee paid may be non-refundable.
If you start an activity but decide to leave early for personal reasons, you are not normally entitled to a refund for unused portions, unless otherwise agreed.
6. Cancellations or changes by the Association
We may need to cancel, interrupt or modify a programme, training or activity for reasons including, but not limited to:
unsafe weather or sea conditions;
safety concerns;
illness or unavailability of key staff;
technical problems with boats, yachts, jeeps or equipment;
insufficient number of participants;
force majeure events (e.g. natural disasters, strikes, governmental restrictions).
In such cases, we will, as far as reasonably possible:
Offer an alternative (e.g. new date, similar programme, modified route); or
Offer a credit for future participation; or
Provide a refund of the participation fee you have paid for the affected activity, if we are unable to offer a suitable alternative.
Our liability is limited to the participation fee paid to us for the affected activity. We are not responsible for:
travel, accommodation or other third-party costs;
any indirect or consequential losses, unless required by applicable law.
7. Online payments and refunds via Stripe
7.1. Role of Stripe
For online card payments and certain other payment methods, we use the international payment system Stripe as our payment service provider.
When you pay via Stripe, your card details are processed directly by Stripe.
We do not store full card data (card number, CVC, etc.) on our systems.
Stripe acts as an independent data controller for card details and processes them according to its own terms and privacy policy.
7.2. How refunds are processed via Stripe
If we decide to grant a refund for a payment made via Stripe:
We initiate the refund from our Stripe dashboard to the same payment method you originally used (where possible).
Stripe then processes the refund and sends the instruction to your bank or payment provider.
The time it takes for the refund to reach you depends on:
your bank/payment provider;
the type of card or payment method;
Stripe’s processing timelines.
Typically, card refunds may take several business days to appear on your statement. In some cases (for example, cross-border or multi-currency payments), processing may take longer.
7.3. Stripe fees, exchange rates and technical issues
Stripe may charge transaction fees or may not refund certain processing fees. In such cases, we may refund you the amount we effectively receive back, minus any non-refundable fees charged to us by Stripe.
If your payment was made in a currency different from the currency of your account, currency conversion and exchange rate differences may occur. We are not responsible for:
exchange rate fluctuations;
fees charged by your bank or payment provider in connection with the refund.
If there is a technical issue with Stripe processing (e.g. failed or delayed refund), we will cooperate with Stripe to resolve it, but we cannot guarantee specific timelines beyond Stripe’s control.
8. Offline payments (bank transfer and cash)
8.1. Bank transfers
If you paid by bank transfer and are eligible for a refund:
we will refund the amount by bank transfer to an account you designate;
we may ask you to provide your IBAN and other necessary details in writing;
any bank charges or transfer fees may be deducted from the refund amount, unless otherwise required by law.
We will aim to process such refunds within a reasonable period (for example, within 14 business days) after agreeing the refund with you and receiving complete bank details.
8.2. Cash payments
If you paid in cash and are eligible for a refund:
we may, depending on the amount and practicality, refund you:
in cash; or
by bank transfer, after you provide us with your bank account details;
you may be asked to sign a receipt or confirmation of the refund.
For transparency and safety, we may prefer refunds by bank transfer, particularly for larger amounts.
9. Procedure for requesting a refund
To request a refund or cancellation, please:
Contact us using the e-mail or phone in section 2 as soon as possible;
Provide:
your full name;
contact details (e-mail and phone);
the name and date of the programme/training or activity;
booking/transaction details (e.g. Stripe payment ID or bank transfer reference, if available);
a short explanation of the reason for cancellation or refund request.
We may ask you for additional information or documentation to identify your payment and verify your identity.
After reviewing your request, we will inform you:
whether you are eligible for a refund under this Policy and any specific programme conditions;
the amount we can refund, if any;
the method and estimated time frame of the refund.
10. Chargebacks and payment disputes
If you initiate a chargeback (dispute) with your bank or card issuer for a payment made to us:
we may provide evidence to the bank/payment provider to demonstrate the validity of the charge (for example, booking confirmation, attendance records, e-mails);
if the bank/payment provider decides in your favour, the refund may be processed through the chargeback mechanism;
if the bank/payment provider decides that the charge was valid, you remain responsible for the payment.
Where a chargeback is initiated without first contacting us, and the claim is unfounded, we reserve the right to recover any fees or costs that such chargeback may cause us, to the extent permitted by law.
11. Statutory consumer rights
This Policy is intended to be applied in accordance with applicable Greek and EU consumer protection laws.
If the law grants you rights that are more favourable than those described here (for example, in relation to distance contracts, consumer cancellations or defects in services), those legal rights take precedence over any conflicting terms in this Policy.
Nothing in this Policy is intended to exclude or limit rights that cannot be excluded or limited under applicable law.
12. Changes to this Policy
We may amend this Policy from time to time, for example:
to reflect changes in our activities and the way we organise programmes and trainings;
to reflect changes in our use of payment providers (such as Stripe);
to comply with updated legal or regulatory requirements.
The updated version will be published on yalrowingr.com with a new “Last updated” date. Changes will apply to bookings and payments made after the updated Policy has been published, unless the law requires otherwise.
For bookings and payments made before the change, the version of the Policy in force at the time of your booking/payment will normally apply, unless we mutually agree otherwise or the change is required by law in your favour.