Cumberland Curling Club Refund Policy

The Cumberland Curling Club is a not-for-profit organization relying on membership fees to fund seasonal operations. We understand unforeseen circumstances arise and handle refunds according to the guidelines below.

1. Core Rules & Fees

• Administration Fee: All member-initiated refunds are subject to a $25 administration fee.

• Association Fees: CurlON and OVCA fees are non-refundable unless a withdrawal is requested before the fall registration deadline.

• Minimum Limit: Refund calculations resulting in a net payout of less than $50 will not be considered.

• Late Fees: Any late fees applied during registration are entirely non-refundable.

2. General League Withdrawals & Cancellations

• Cancellation by the Club: If the Club cancels a league before the season starts, members receive a full refund or a transfer to an open league. If cancelled after opening day, partial refunds are issued at the Board’s financial discretion (no admin fee applies).

• Member Withdrawal Before Deadlines: 100% league refunds (minus the $25 admin fee) are given if requested before the registration deadline. Requests made after the deadline but before opening day are subject to non-refundable association fees.

• Member Withdrawal After Opening Day: Refund requests submitted on or after opening day are only considered for exceptional circumstances (season-ending injury, major personal/family illness, or sudden work relocation). Snowbirds registered for the second half must request a refund before January 1.

The Refund Formula

Approved mid-season refunds are calculated using the date of your written request:

Refund = [(Weeks Remaining ÷ Total Weeks in Season) × Total Fees Paid] − (Association Fees + $25 Admin Fee)

3. Limited Programs (Adult Learn-to-Curl & Youth Rocks)

Because these are high-demand, progressive instructional programs, they follow a strict withdrawal timeline:

• 14+ Days Before First Lesson: Full refund (minus the $25 admin fee).

• 1 to 13 Days Before First Lesson: 50% refund (minus association and admin fees).

• On or After Day of First Lesson: Refund requests are considered under exceptional circumstances only. If approved, they may be issued as a prorated refund or a future credit.

How to Request a Refund

All requests must be submitted in writing to the Membership Director at This email address is being protected from spambots. You need JavaScript enabled to view it. as soon as you become aware of your inability to play. Please include detailed context to assist the Refund Committee (Composed of President, Treasurer, Membership Director, Match Director and Daytime Director). Approved payouts will be processed and communicated within 30 calendar days. All decisions by the Board of Directors are final. 

Summary

Program or League Cancellation

1 If member is not participating in any other programs or leagues
2 Typically due to imposed restrictions, including government health-related directives

 Withdrawal from League

3 Subject to approval by the Refund Committee 

Withdrawal from Limited Program (Adult Learn-to-Curl, Junior Rocks, Little Rocks)

4 Subject to approval by the Refund Committee
5 If appropriate, may be offered in the form of a credit for future participation

Cumberland Curling Club is committed to collecting, using, and disclosing personal information responsibly and to maintaining the accuracy, confidentiality, and security of such personal information.

Personal information includes, but is not limited to, information that indicates specifically who you are, such as your address, telephone number, and email address.

This privacy policy guides how personal information is collected, used, and disclosed about Cumberland Curling Club members and prospective members. The Club’s intent is to balance legitimate business interests in collecting, using, and disclosing personal information against reasonable expectations of privacy.

1. Definitions

In this policy:

• "Business" means the business of operating the Cumberland Curling Club which includes the website;
• "Membership" means a membership in the Cumberland Curling Club;
• "Club" refers to the Cumberland Curling Club, located at 935 Cameron St, Cumberland, ON and/or www.cumberlandcurlingclub.ca;
• "Website" refers to the website found at www.cumberlandcurlingclub.ca;

2. Collection of Personal Information

The primary purpose of collecting personal information is to ensure the provision of high-quality products and/or services.

Only necessary personal information is collected for these purposes.

3. Use of Your Personal Information

The Club may use the personal information collected to:

• ensure the provision of high-quality membership services;
• inform about online and offline offers, membership services, updates, and events (including expiry and renewal of your Membership);
• establish and maintain communication;
• assist in complying with legal and regulatory requirements;
• invoice for products and/or services;
• collect unpaid accounts;
• enable a corporate reorganization, a merger, or acquisition with another entity;
• provide information concerning the business operation of the Club.

The Club may also use personal information as may be described at the time of collection. The Club may compare and review personal information for errors and omissions and for accuracy. If you choose to provide your financial information, the Club may use your address and financial information to bill you and to provide associated support. The Club may use personal information about you, in a non-personally identifiable manner, to improve marketing and promotional efforts, analyze Memberships, improve the content and product offerings, and customize website content, layout, and services. These uses are to improve the business and to better tailor the business to meet your needs.

4. Disclosure of Personal Information

As a matter of policy, the Club does not sell, rent, or lease any personal information to third parties without explicit consent. However, there are a variety of circumstances where the Club may need to disclose some personal information, including the following:

• Disclosure of personal information to an individual who, in reasonable judgment, is seeking the information as your agent. For example, the Club may provide your personal information to your legal representative if the Club is satisfied that the individual is requesting the information on your behalf.
• Disclosure of personal information as may be required by law.
• The Club may aggregate personal information and disclose such information in a non-personally identifiable manner to advertisers and other third parties for marketing and promotional purposes.

5. Control of Your Password

You are responsible for all actions taken with any user ID and/or password used to access the website. Therefore, the Club recommends that you not disclose your password to any third parties. If you choose to share your user ID, your password, or your personal information with a third party, you are responsible for all actions resulting therefrom. If you lose control of your password, you may lose substantial control over certain personal information. Therefore, if your password has been compromised for any reason, you should immediately change your password.

6. Access, Review, Change, and Destruction of Your Personal Information

You may access, review and/or change the personal information in Club files by submitting a written request to do so to the address below. Promptly advise the Club of any changes to your information. Upon your written request, the Club will destroy, as soon as reasonably possible and in accordance with internal policies and applicable law, any and all personal information in Club files about you. Notwithstanding the foregoing, the Club will retain in Club files some personal information in order to enable the Club to collect any unpaid accounts and/or as may be required by law.

7. Other Information Collectors

Except as otherwise expressly included in this Privacy Policy, this document only addresses the collection, use, and disclosure of personal information collected from and about you. To the extent that you disclose your personal information to other parties, different rules may apply to their collection, use, or disclosure of such personal information. Since the Club does not control the privacy policies of third parties, you are subject to the privacy policies of such third parties.

8. Protecting Your Privacy

The personal information that is retained by the Club is kept in a secure environment and reasonable procedural and technical safeguards are used to protect your personal information against loss, theft, and unauthorized access or disclosure. While many different security techniques are used to protect such data from unauthorized access by users inside and outside the Club, the Club cannot ensure perfect security, particularly in relation to the website.

9. Amendments to This Policy

The Club may amend this policy at any time by mailing (including regular mail and email) any amended terms to you or by posting the amended terms on the website or at the Cumberland Curling Club (935 Cameron St, Cumberland, ON). All amended terms are automatically effective five days (5) days after mailing or on the date of posting.

10. Privacy Information Officer Access, Questions, or Concerns

If you wish to access, review, and/or change your personal information contained in Club files or if you have any questions or concerns about the privacy principles or practices outlined above, contact:

Cumberland Curling Club
935 Cameron St, Cumberland, ON Canada K4C 1C6
Phone: (613) 833-2774
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.