By booking a photography workshop, online or in-person with David Osborn, you agree to the terms and conditions outlined below. Please read them carefully before completing your booking. – Payment of an invoice constitutes your full acceptance of these terms and conditions.

1. Booking and Payment

• A non-refundable deposit of GBP £1,000 is required at the time of booking to secure your workshop.
• The remaining balance must be paid in full 30 days before the workshop start date.
• If full payment is not received by the deadline, your workshop may be cancelled, and your deposit will be forfeited.
• For bookings made within 30 days of the workshop, full payment is required at the time of booking.
• Payment via Mastercard Secure Online Payments link only. – Read item 03 below.
• A flat 2% service fee is applied to all invoices to cover administrative, invoicing, and payment processing expenses. This fee applies regardless of the payment method used.
• Payment is not deemed received until the funds have cleared and are fully available in David Osborn’s bank account. Pending or failed transactions do not constitute payment.

2. Cancellation by the Client & Refund Policy

• If you cancel and David Osborn finds someone to fill your place, David Osborn will refund you the full amount you have paid, minus a £500 administration charge.
•  If you cancel and David Osborn cannot find someone to fill your place, then you will be refunded according to the following schedule:

1. At least 90 days before the start of the workshop: Full refund minus £500 administration fee.
2. Between 89 and 60 days before the start of the workshop: 75% refund.
3. Between 59 and 45 days before the start of the workshop: 50% refund.
4. Less than 45 days from the start of the workshop: No refund.

• In some cases, David Osborn may offer a credit or booking transfer as an alternative to a refund. Credits must be used within 12 months and are non-transferable unless agreed upon in writing.
• Travel insurance should include cancellation cover.

All cancellation requests must be submitted in writing via email.

3. Cancellation by David Osborn

David Osborn reserves the right to cancel or postpone any workshop due to:

• Illness or injury.
• Insufficient bookings.

In such cases, a full refund of payments made will be issued. David Osborn is not liable for any additional expenses incurred by you, such as flights, accommodation, insurance, or equipment hire. Travel insurance is strongly recommended.

4. Unforeseen Circumstances (Force Majeure)

David Osborn is not liable for failure to deliver services due to events beyond David Osborn’s reasonable control, including but not limited to:

• Natural disasters.
• Government restrictions.
• Strikes or labour disputes.
• Pandemic or epidemic outbreaks.
• Travel disruptions (e.g. airport closures, public transport strikes).

In such cases, refunds or rescheduling may be offered at David Osborn’s discretion, depending on the situation and costs already incurred.

5. Travel and Accommodation Costs

• The client is responsible for covering David Osborn’s travel and accommodation costs, including car hire if required.
• The client will drive if the workshop is not in the UK.
• The client pays the cost of the Holiday Cottage for in-person workshops in the UK.
• David Osborn is responsible for his meals and personal non-workshop expenses.
• If David Osborn has paid any workshop costs upfront, these costs are reimbursed by the client at cost.

6. Insurance

It is strongly recommended that clients take out appropriate insurance, including:

• Travel insurance (for in-person workshops).
• Medical insurance and emergency assistance.
• Personal belongings and photography equipment.
• Travel insurance should include cancellation cover.

You are responsible for ensuring that your insurance provides adequate protection. David Osborn is not liable for loss, damage, medical costs or costs arising from your failure to be adequately insured.

7. Liability and Participant Responsibilities

• Participation in the workshops is at your own risk.
• David Osborn accepts no liability for injury, illness, death, loss, or damage to personal property and camera equipment.
• It is your responsibility to follow safety guidelines and take care of your belongings and equipment.
• I reserve the right to remove any participant who is disruptive, unsafe, or fails to comply with my guidance. No refund will be issued in such cases.

8. Online Session Changes

• For online sessions, if technical issues on David Osborn’s end prevent delivery or you are unable to attend for unforeseen reasons, the session will be rescheduled at no additional cost. That session is not lost.

9. No-Show Policy

• If you fail to attend a booked workshop or online session without prior notice, no refund or credit will be issued.
• Late arrivals will not receive any extension, compensation, or partial refund.
• This includes failure due to travel delays or illness. Clients should ensure insurance covers such risks.

10. Intellectual Property Rights

• David Osborn retains full copyright and intellectual property rights over the knowledge, recordings, workshop notes, and other materials. Knowledge is intended for personal use only and must not be used for commercial purposes or shared with anyone else in any form, including teaching, workshops, social media, or YouTube. This includes all text and images on this website.
• All online workshops are video-recorded live. However, this is at my discretion. If I feel concerned that the video recordings could be misused in any way, video recording will not be allowed or stopped.
• Any unauthorised reproduction, distribution, or commercial exploitation of workshop materials or recordings is strictly prohibited and may result in legal action.

11. Jurisdiction and Governing Law 

• The laws of England and Wales govern these terms and conditions. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

12. Contact and Communication

If you need to cancel, reschedule, or discuss any part of these terms, please contact David Osborn:

Email: David@DavidOsbornPhotography.com
Phone: UK +44 771 204 5126
Website: www.DavidOsbornPhotography.com

Protecting your money.

All payments must be made using a secure online card link provided by NatWest Bank.

This protects your financial information and prevents fraud. Your card details are never shared with or stored by David Osborn Photography.

• Payment is processed through NatWest Bank’s secure online portal, using the Mastercard network (accepts all major cards).
• David Osborn does not have access to your card details.
• Your payment is protected by your card issuer’s fraud protection policies.
• You will receive an invoice by email, which includes a secure payment link.
• Always confirm that the link takes you to the official NatWest Payment Portal (screenshot below).
• Important: You must never pay by bank transfer, cash, or any alternative method – even if the request appears to come from David Osborn.
• If you receive such a request or have any concerns, Do Not Pay. – Call David Osborn directly on +44 771 204 5126 in the UK first.

If you ignore this policy and pay by any other method, you do so entirely at your own risk.
David Osborn accepts no responsibility for any resulting loss or fraud.