Terms and Conditions

Last updated: 9-24-25

Welcome to www.campyi.org! These Terms and Conditions (“Terms”) govern your use of our website located at https://www.campyi.org (“Site”). By accessing or using our Site, you agree to be bound by these Terms. If you do not agree, please do not use our Site.

1. Use of the Site
•  You must be at least 18 years old to use the registrations on this Site.
•  You agree to use the Site only for lawful purposes and in a way that does not infringe the rights of, or restrict or inhibit anyone else’s use of, the Site.
•  We reserve the right to refuse access to the Site or services to anyone at any time.

2. Intellectual Property
•  All content on this Site, including text, images, logos, graphics, and software, is the property of Youth Incorporated, Inc. and Camp YI and is protected by copyright, trademark, and other intellectual property laws.
•  You may not copy, distribute, modify, or create derivative works without our prior written consent.

3. User Accounts
•  If you create an account, you are responsible for maintaining the confidentiality of your login information and for all activities under your account.
•  You agree to provide accurate and complete information when creating your account.

4. Purchases and Payments
•  If you purchase products or services through our Site, you agree to provide accurate payment information.
•  Prices are subject to change without notice.
•  We reserve the right to refuse or cancel orders at our sole discretion.

5. Third-Party Links
•  Our Site may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these websites.
•  Use of third-party sites is at your own risk.

6. Limitation of Liability
•  The Site and its content are provided “as is” without warranties of any kind.
•  To the maximum extent permitted by law, Youth Incorporated, Inc. shall not be liable for any damages arising from your use of or inability to use the Site.

7. Indemnification
You agree to indemnify and hold harmless Youth Incorporated, Inc., its affiliates, and employees from any claims, damages, losses, or expenses (including legal fees) arising out of your use of the Site or violation of these Terms.

8. Termination
We may suspend or terminate your access to the Site at any time, without notice, for any reason, including violation of these Terms.

9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to conflict of law principles.

10. Changes to Terms
We reserve the right to update or change these Terms at any time. Any changes will be effective immediately upon posting on this page. It is your responsibility to review these Terms periodically.

11. Service Fee
•  We do charge a service fee for credit card transactions. A service fee is charged when paying with a credit card is a charge imposed by a merchant to cover the costs associated with processing the credit card transaction. This fee is distinct from other potential charges, such as an annual fee from the credit card issuer or interest paid by the consumer.
•  Merchants may pass on the costs of accepting credit card payments to the customer in the form of a surcharge or a convenience fee. These fees exist because businesses incur a cost for every credit card transaction they process.

Why merchants charge service fees
•  The primary reason merchants pass along service fees is to recover their credit card processing costs, which are a significant business expense. A single transaction fee is often a blend of three separate fees charged by different financial entities:
Interchange fees: Paid to the customer’s credit card-issuing bank to cover the risk of approving a sale, fraud, and handling costs. This is typically the largest component of processing fees.
Assessment fees: Paid to the credit card networks, like Visa and Mastercard, for operating their payment systems.
Payment processor fees: Paid to the company that provides the software or hardware to facilitate the transaction.

Types of Service fees
Surcharge: A surcharge is an extra fee added specifically for the use of a credit card.
Application: Applied to credit card transactions only.
Calculation: Typically a percentage of the transaction amount, capped by card network rules (e.g., up to 3.5% for Visa) and specific state laws.
Disclosure: Must be clearly posted and appear on the receipt as a separate line item.
Legality: Not legal in all U.S. states. Rules differ by state and can change.

Convenience fee: A convenience fee is a charge for the convenience of using a non-standard payment channel, such as paying a bill online or over the phone.
Application: Generally used for transactions where another payment method, like cash or check, is standard practice.
Calculation: Must be a fixed or flat fee, not a percentage of the total transaction.
Disclosure: Must be disclosed upfront and transparently.
Conditions: Can only be charged if the customer has an alternative, standard payment method available to them that does not incur the fee.
Legality: Permissible in all 50 U.S. states.

How merchants manage fees
Merchants have several options for how to manage credit card processing fees:
Absorb the cost: Some merchants include processing fees in their pricing, absorbing the cost as a regular business expense.
Pass on the cost: By implementing a surcharge or convenience fee, a business can pass the processing fees directly to the customer.
Offer a cash discount: Instead of adding a fee for credit cards, some businesses offer a discount to customers who pay with cash. This can encourage the use of lower-cost payment methods.

11. Contact Us
If you have any questions about these Terms, please contact:
Youth Incorporated, Inc.
Operating Camp Youth Incorporated (Camp YI)
599 Jones Mill Rd
PO Box 486
La Vergne, TN 37086.
campyidirector@gmail.com
(615) 459-3971