SWERL INC. TERMS, CONDITIONS, POLICY & PRIVACY STATEMENT (Includes Water Polo, Swimming, Golf, Parades, and Other Athletic Activities) GENERAL DISCLAIMER & ASSUMPTION OF RISK Swerl Inc. provides accountability software, athletic programming, and event services in partnership with Coronado Aquatics Club and other affiliated organizations. By purchasing, registering for, or participating in any Swerl Inc. or Coronado Aquatics Club program, service, practice, clinic, camp, lesson, tournament, trip, event, or activity, you acknowledge and accept the inherent risks associated with water polo, swimming, golf, golf-course environments, parade participation, and all other athletic or outdoor activities. These risks include, but are not limited to: Water Polo & Swimming Risks: - Physical contact, collisions, and accidental impacts - Drowning, distress, or near-drowning incidents - Cold water, slippery surfaces, underwater hazards - Open-water risks, including rip currents, marine life, stingrays, jellyfish, and sharks Golf & Golf-Course Risks: - Being struck by golf balls, golf clubs, or flying debris - Uneven terrain, bunkers, wet grass, cart paths, and drop-offs - Golf cart accidents, vehicle collisions, or mechanical failures - Weather exposure, including sun, wind, lightning, or sudden storms Parades, Public Events & Large Crowd Risks: - Crowds, jostling, loud noises, and unexpected public behavior - Moving vehicles, floats, equipment, and staging hazards - Trip hazards, limited visibility, and unpredictable surfaces General Athletic & Recreational Risks: - Sprains, strains, fractures, concussions, and other injuries - Environmental hazards, heat exhaustion, and dehydration - Mistakes, misjudgment, or negligence by staff, volunteers, or participants By participating, you voluntarily assume all known and unknown risks, including those arising from negligence or error by Swerl Inc., Coronado Aquatics Club, Jesse Smith, coaches, volunteers, partners, facility operators, and related entities. You agree to release and hold harmless all listed parties from liability for injuries, losses, damages, or claims associated with participation. USA WATER POLO CLUB PARTICIPATION For any USA Water Polo club participation offered through this site or through Coronado Aquatics Club programming, you agree that the participant will roster and participate with only one USA Water Polo club, and that club is Coronado Aquatics Club, unless Coronado Aquatics Club expressly agrees otherwise in writing and applicable USA Water Polo rules permit it. Coronado Aquatics Club and Swerl Inc. may deny, suspend, or terminate participation if this condition is not met. PRACTICES, SCHEDULES, LOCATIONS & STAFFING Practice days, times, pools, locations, coaches, age-group placement, and training format are not guaranteed. They may be changed, shortened, relocated, or canceled at any time due to weather, facility availability, staffing, enrollment, safety concerns, tournament needs, USA Water Polo requirements, or other operational reasons. Such changes do not create any right to a refund, credit, make-up session, or other compensation. TOURNAMENTS, TRAVEL & PLAYING TIME Tournament entry, roster selection, travel opportunities, divisions, brackets, game count, opponent quality, and playing time are never guaranteed. Payment for any team, program, camp, or season does not guarantee entry into any specific tournament, travel roster, game, or amount of playing time. All tournament decisions, including selection, roster spots, lineup decisions, roles, travel plans, and participation status, are made at the sole discretion of the Director and coaching staff, subject to athlete conduct, health, availability, payment status, team needs, and applicable USA Water Polo rules. Tournament dates, venues, divisions, schedules, and participation opportunities may change or be canceled without notice. No refund, credit, or offset is owed if an athlete is not selected, is unavailable, is suspended, is injured, or otherwise does not participate in a specific tournament or game. MEDICAL AUTHORIZATION You authorize program staff, volunteers, emergency responders, and medical professionals to administer first aid or emergency treatment in accordance with California Civil Code Section 25.8. You accept full financial responsibility for any medical care required. REFUND & CREDIT POLICY - All payments are final. - No refunds will be issued. - No refunds, prorations, or credits are guaranteed for missed practices, schedule changes, facility changes, coach substitutions, tournament non-selection, travel changes, injury, illness, disciplinary action, voluntary withdrawal, or any similar circumstance. - If any credit is ever offered, it is optional, partial, non-cash, and solely at the Director's discretion. DISPUTE RESOLUTION All disputes must first be submitted in writing via certified mail to Jesse Smith. If unresolved, both parties agree to: 1. Independent mediation 2. Binding arbitration All other legal claims are waived. No court litigation is permitted except to enforce arbitration. PRIVACY POLICY Swerl Inc. does not sell your personal data. We share it only as needed to run programs and process payments. By registering, you consent to: - Email, text, and digital communication regarding programs and updates - Use of cookies and analytics tools to improve services - Direct communication from Jesse Smith or Swerl Inc. regarding relevant offerings You may opt out of non-essential communications at any time. RIGHT TO REFUSE SERVICE Swerl Inc. and Coronado Aquatics Club may refuse service or participation to any individual at their sole discretion, consistent with applicable laws. GOVERNING LAW This agreement is governed by California law. All mediation or arbitration proceedings will occur in San Diego County, California. AGREEMENT & ACKNOWLEDGMENT By registering, purchasing, or participating, you confirm that: - You have read and understand these terms - You voluntarily assume all risks - You release all listed parties from liability - You agree to the USA Water Polo club participation condition above, if applicable - You are legally bound by this agreement