These booking conditions set out the terms and conditions on which you contract with the Zanc Travel Group t/a Exclusive Golf (also known as the Company). They describe your obligations to us and ours to you so please study them carefully.


When you have chosen your holiday, you should contact us direct in writing, by telephone or complete the booking form on line which is only confirmed after a deposit or full payment is taken. Please be aware the booking form completed and sent does not constitute to a confirmed booking until payment has been made. We will confirm the booking either immediately or within 48 hours of receipt by our team.  All prices on the website are per person excluding flight, dates of travel are to be verified by your travel consultant at time of booking. After reading the terms and conditions of your web booking please send your deposit of £100 European & £200 Worldwide per person. All monies paid by you will be held on behalf of the Company and to the Company until we issue our confirmation/invoice.  The balance to be settled no later than eight weeks prior to departure (time being of the essence) as we reserve the right to cancel any booking where the balance is unpaid less than six weeks before departure. You may make a provisional booking, indeed we suggest you do so as to confirm both the accommodation and flight seats as soon as possible. Any provisional bookings will be held for two days provided this does not fall within ten weeks of departure. No provisional bookings will be accepted less than eight weeks before departure and when the deposit and booking form are not completed within two days of any provisional booking it will automatically lapse without notice.


For any bookings made there are no surcharges for using personal debit or credit cards up to the value of £1000, however there is management and admin fee of 2% for any payment over £1000 or a 2.5% charge for the use of commercial business cards. Please note deposits paid with a credit will give you full protection even if the balance is made by BACS transfer.


Your contract is made with the ZANC Travel Group/Exclusive Golf Ltd and is subject to the provisions of clause 3. A booking may only be withdrawn if no confirmation or invoice has been dispatched by us within five working days of receipt by ourselves, of your intention to cancel a booking and where no notice of cancellation has been received by us, or five working days have not elapsed since receipt of such notice of cancellation by us, any booking becomes a binding contract as soon as we despatch a confirmation and invoice to you. IT IS YOU’RE RESPONSIBLE TO CHECK ALL THE INFORMATION IS CORRECT AND YOU SHOULD NOTIFY US IMMEDIATELY.  All contracts will be governed by English law and will be subject to the jurisdiction of the courts of England, Scotland and Wales.


The price of your holiday is based upon known costs and uploaded on this site; necessary changes will be amended, changed or altered as immediately required. All prices are calculated FROM or in Package form without flights that we suggest should be booked by us to cover you financially by our ATOL licence.


a) The price of your chosen holiday will be confirmed at the time of your booking. Once the price of your chosen holiday has been confirmed on your invoice and we receive full payment within seven days of the date shown on our Confirmation Invoice, we will guarantee your holiday against any future price increases.

b) Excluding the first 7 days of any Fuel/Air fare increases, Currency fluctuations and local VAT or TAX changes in the relative countries.


For payment of deposits and full balances upto 7 days thereafter payment:

b) The price of your holiday is subject to surcharges on the following items: Fuel/Air fare increases, Currency fluctuations and local VAT or TAX changes in the relative countries.

Even in these cases, we will absorb an amount equivalent to 2% of the basic holiday cost excluding any insurance or amendment fee. If the surcharge amounts to more than 8% of the holiday price, excluding UK flight cost, as referred to in your revised confirmation/invoice you will have the right to cancel your holiday with a full refund of all monies paid with the exception of  amendment charges. Should you decide to cancel because of this, you must exercise your right to do so within 14 days from the Invoice date. In return for the above, no reduction will be made on the published holiday prices if pound sterling improves in value against foreign currency.

c) Any increase due to government or EEC legislation or directives.

Prices are calculated on sterling exchange rates -

£1 = 1.14 EUR, 1.20 USD, 19.50 ZAR, 4.10 UAE, 11.50 MAD, 40.50 THB as published by NatWest Bank Plc on 3rd Jan 2023


d) We offer you the flexibility to create your own holiday from the range of accommodation and services available. Because of the wide choice, it is not possible to list every price on every date. A ‘From’ price is indicative of the lowest price/month available for the hotel or itinerary featured but this may vary depending on a number of factors such as your date of travel and choice of accommodation. To help you in choosing a holiday which is tailor made by us to your requirements, please call our Sales team or our website for further information about services and prices. We will be happy to provide you with an up to date quote.


e) Whilst we make every effort to ensure the accuracy of the pricing information provided, regrettably errors may occasionally occur. When we become aware of any such error, we will endeavour to notify you at the time of booking (if we are then aware of the mistake), within 7 days of the time of booking or as soon as reasonably possible. If a booking is already in place, you will have the choice to continue with the chosen itinerary at the corrected price or amend to a different holiday. We reserve the right to cancel the booking if you do not wish to accept the price that applies to your holiday or any quoted alternatives.  


If you wish to make changes to your booking after the despatch of a confirmation/invoice we will endeavour to assist you but without any contractual commitment on the part of the Company.  Where it is possible to accommodate any changes requested more than eight weeks before departure an administration fee of £30 per person will be charged together with any other expenses incurred for our time or long distance telephone calls. Where changes are requested within eight weeks of departure and it is possible to effect such changes we reserve the right to charge such greater administration fee and expenses as are reasonable bearing in mind the time and effort expended on our behalf. 

Where changes are not possible or you do not wish to pay the appropriate administration charge and you decide to cancel your holiday the following cancellation charges will be incurred. On most occasions we are required to settle our suppliers invoices in advance (30 days), such as accommodation, golf courses, and transfer/car hire companies etc, prepaid flights are not included in any refund and should be claimed from the airline. For Tournament Events and Group Bookings over 12 persons (whether 1 or more persons cancel) its 60 days, as per our contractual agreements with suppliers, no refunds are allowed and would incur 100% cancellation charge:-

Period before departure - Cancellation charge
57 days or more - Deposit only
56-43 days - 30% of holiday price
42-29 days - 50% of holiday price
28-15 days - 75% of holiday price
14-8 days - 90% of holiday price
7-day of departure - 100% of holiday price

60 - 7 days for Tournaments and Group Booking - 100% of holiday price

Any refunds requested for holidays not delivered for unforeseen circumstances or Covis 19 related, such as flights, hotels and other services that are required to close, we will endeavour to assist with refunds of holiday monies. We would require continual contact with all suppliers requesting refunds for our clients and if the flight is cancelled we would complete any necessary documentation and follow through to the end however long is required. This work would take time and costs on our behalf, therefore we will implement the appropriate charges required to carry out this work that would be deducted from any refunds. This will assist our staff to follow through however long is required to claim back monies paid to suppliers and airlines, on average would be £90 per person, in some cases it is loss of deposit.

We will treat any amended arrangements as a new booking. Where any change is to substitute a party member in the case of an original party member being prevented from travelling due to his/her illness or serious illness of a close relative, Jury Service, redundancy or unavoidable work commitments and the request is made in writing at least twenty eight days prior to departure the charge made by the Company will amount to £50 per substituted person together with any expenses imposed upon us by our suppliers as a result of the substitution provided documentary evidence is supplied to us to support the request for substitution for the change and a minimum fee of £50 per person to cover our administration costs together with any charges our suppliers impose as a result of the substitution. In the case of Jury Service or Redundancy such documentary evidence will amount to a Jury Summons or Redundancy Notice.  In the case of personal illness or serious illness of a close relative, such evidence will amount to a report from a doctor and we reserve the right to determine what are a serious illness and a close relative at our absolute discretion. In the case of unavoidable work commitments we will require written evidence from your employer or where you are self employed your client or customer to confirm that such commitments are unavoidable. In the case of group bookings where some of the group members cancel, in addition to the cancellation fee a further charge may be payable by the remaining members of the party (e.g. under-occupancy charges).

Make sure you have full travel insurance cover in place on the day of booking your holiday in the event that you need to make a claim against any of the above circumstances.


Due to the nature of the airline business, on rare occasions, flight delays regrettably occur. In such an event, the airline is responsible for meals, accommodation etc. when necessary.

For delays of at least 8 hours extending beyond midnight, overnight accommodation will be provided wherever possible but will depend on such factors as the expected length of delay, local availability of accommodation and immigration rulings. Where long flight delays result in lost holiday time, no refunds are given by suppliers for unused accommodation as rooms are held for delayed arrivals, not re-let. Please note an airline carrier may, if circumstances require, divert, postpone or delay any-flight or alter the airport of departure or arrival and may without notice substitute alternate carriers or aircraft.

This site is our sole responsibility. It is not issued on behalf of and does not commit any independent organisation/carriers whose services are featured.

Be aware if you are booking your own flights direct with the airline and that airline is subject to failure you have no cover for the financial loss unless you have booked the complete package with a reputable ATOL holder.


Current airport and passenger taxes both UK & overseas and local, state and security taxes will be included in the price quoted. 
When paying by credit card we reserve the right to levy a 2% handling charge, the exact charge made to us by the credit card companies for private accounts, business accounts a further 0.5%. No charge for debit cards, cheques or bank transfers.


It is the responsibility of the passenger to ensure that they are in possession of a valid Passport, ID, and International Driving Licence, Visas, Health Certificates and any other travel documents that may be required. You should make sure the above are in order and allow at least two months before departure to obtain the above documents.

The Company has no liability whatsoever to you through your failure to do so. The Foreign & Commonwealth Advise Unit may have issued information or on the internet at, or by telephone 0800 555 777 for your free “Health advise for Travellers”.

USA Entry Requirements

The US Government have strict entry regulations which must be adhered to. Please note if you or your dependants do not have the appropriate personal documentation the US Customs will not allow entry. Please see some guidelines below and for full advice visit the US Embassy website on or phone 0906 8200 290.

All passports must have a valid Issue & Expiry date, be machine readable with a digital photograph or an e-passport with an electronic chip. You can check the validity of your passport on the useful link on the US Embassy website. A passport indicating that the bearer is a British subject, British dependant territories citizen, British overseas citizen, British National Citizen or British Protected Person does not qualify for travel without a visa or someone who has indefinite leave to remain in the UK. NB: Some passports issued by British Consular posts abroad may not be machine readable – please check with the UK Passport Service on 0870 521 0410 or for further information.

Also applicable to passengers in transit in the US.

-The US Govt requires advance passenger information detailing their country of residence, as well as postal address of the first hotel where you will be staying in the US, which can be found on the contacts page of your final itinerary. This information will be collected by the airline upon check-in and will also be required on the Visa Waiver form on the aircraft.

-Finger scanning and Facial recognition is a standard security process for all travellers to the US on arrival.

-British Citizens holding a UK passport can enter under visa waiver program and do not require a visa prior to travel providing:

ESTA Electronic Travel Authorisation

It is compulsory for all British Citizen passport holders to obtain an electronic travel authorisation prior to boarding a carrier to travel by air or sea to the US under the visa waiver program and also includes passengers in transit to/from the US. Applications can be submitted anytime however we recommend no later than 72 hours prior to travel. For further information and to apply online visit  

This does NOT however include British Subjects, British Dependent Territories Citizens, British Overseas Citizens, British National Overseas Citizens and British Protected Persons passport holder who must have full visas if they want to travel to the US and should contact the US embassy for more information.


All special requests must be made clear at time of booking. We will endeavour to pass the information requested to the respective supplier(s) concerned. However, we cannot accept liability if such special requests are not met.


The Company regrets it cannot accept any liability or pay any compensation where the performance or prompt performance of our contractual obligations are prevented or affected by reasons or circumstances amounting to “force majeure”. These include any event which we or the supplier of the service(s) in question could not reasonably foresee or avoid such as war or threat of war, civil strike, natural or nuclear disaster, industrial dispute, terrorist activity, adverse weather condition, level of water, fire, airline scheduled failure, technical problems to transport, airport being closed or full, cancellation or changes of schedules by airlines and/or all similar events. Advice from the Foreign Office not to enter or remain in a particular country will generally be regarded as “force majeure”, the Company will act on such advice.

10. Unavoidable and Extraordinary Circumstances

In these booking conditions, "Unavoidable and Extraordinary Circumstances" means a situation beyond the control of the party seeking to rely on such a situation the consequences of which could not have been avoided even if all reasonable measures had been taken. Such events may include, without limitation: war or threat of war, riot, civil strife, actual or threatened terrorist activity, industrial dispute, natural or nuclear disaster, adverse weather conditions, fire, epidemics and pandemics (including the COVID-19 pandemic current at the date of the publication of these Booking Conditions), airspace closures (as well as other air traffic management decisions which may give rise to long or overnight delays or cancellations of one or more flights).

10A. COVID-19 health and safety measures

You acknowledge and agree that the airlines, hotels, golf venues and other suppliers of your booking will need to comply with national and/or local guidance and requirements relating to Covid-19 and have implemented certain measures as a result. This may include specific requirements regarding personal protective equipment, such as use of face-masks by staff and guests, social distancing, maximum number restrictions on the use of certain facilities, designated alternative entrance and exit routes, mandatory hand sanitisation, limited entertainment options and limited food/drink availability. All measures will be taken with the purpose of securing your safety and those around you. We will not be responsible or have any liability for the imposition of such health and safety measures.


If you have a problem whilst on holiday, please bring this to the attention of our local representative/agent and or hotelier/other supplier, giving them the opportunity to make it right at the time. In the unlikely event that the problem cannot be rectified at the resort, please contact our UK Offices immediately on +44 208 660 9905. If your complaint cannot be resolved locally, you must inform our rep/agent and follow this up within twenty-eight days of return to the UK.  If you fail to do so, we cannot accept responsibility for any valid claim as we have been deprived of the opportunity to investigate and rectify the problem.

However if a complaint cannot be settled amicably between us, you are able to refer (if you wish) a dispute arising out of this contract to Arbitration under a special scheme, which is administered independently by the Chartered Institute of Arbitrators. The schemes, details of which can be supplied on request, provide a simple and inexpensive method of Arbitration on documents alone with restricted liability on the customer in respect of costs. The scheme does not apply to claims for an amount greater than £1,500 per person or £7,500 per booking form. Neither does it apply to claims, which are solely, or mainly in respect of physical injury or illness.

Although we make ever effort and checks of each hotel we feature we cannot be held responsible for occurances of daily operations at the hotels, such as contaminated food that can cause sickness during or after your holiday. Or an uneven paving around the pool area or the resort that may have led to some form of injury, these incidents should be taken up with the hotel or we will on your behalf immediately we are notified.


It is your responsibility to ensure that you are at the correct departure points in good time. We cannot accept responsibility for any claim if you miss aircraft, train or ferries as a result of your late check-in.
We strongly advise due to the additional security checks undertaken at airports that you arrive at your departure airport well in advance of the stated check-in time.


If in the opinion of us, any airline pilot, accommodation manager or other person in authority, you are behaving in such a way as to cause danger, distress or annoyance to others or yourselves or any damage to property, either we or the supplier concerned may terminate your holiday arrangements.  In this situation, we will have no liability to you and will not be responsible for making any refunds, paying any compensation or meeting any costs or expenses you may incur.  Furthermore you will be liable for any expenses the suppliers or we incur as a result or your behaviour.


As arrangements for holidays are made months in advance, we must reserve the right to make changes to holidays and website details (other than price subject to permissible charges as provided by the previous clauses in this contract) both before and after your holiday is booked. Most changes are minor (e.g. schedule airline times), occasionally we need to make a significant change, this could involve a change of your UK departure airport to one which is more inconvenient for you, your resort area, your time of departure or return by more than twelve hours, your accommodation to that of a lower rating, the withdrawal of the only swimming pool for an extended period, or in the case of tours a significant change of itinerary (any other changes being minor changes). Please note we cannot be held responsible for any special offers that have been withdrawn by the hotel, golf course or airline after booking your holiday, or if a special offer appears after you have booked.  In the case of minor changes, we reserve the right to implement them at any time without obligation to advise you or pay any compensation. In the case of significant changes we will inform you as soon as is reasonably possible and offer you the choice of:-

(a) Accepting the changed arrangements.

(b) Purchasing another holiday from us (with you paying any difference or receiving any refund).

(c) Cancelling your holiday and receiving a full refund of all payments made to us (other than insurance premium and amendment charges).

Subject to clause 8 we will pay you compensation as set out below where a significant change is notified to you:-

Period before departure - Compensation
57 days or more - Nil
56 - 43 days - £15
42 - 29 days - £30
28 - 15 days - £60
14 - 8 days - £80
7 days or less - £100

60 - 7 days for Tournaments - Nil

The above compensation is payable per passenger in full and final satisfaction of all or any claims. We will not accept responsibility for any costs or expenses or compensation in addition of the sums mentioned above.   


Unfortunately, we must reserve the right to cancel your holiday.  However, subject to clause 1 hereof we will only cancel after the date upon which the balance of the price of your holiday becomes payable if we are forced to do so as a result of circumstances outside our control. If such a cancellation is necessary we will offer you the choice of purchasing an alternative holiday where possible (with you paying the difference or receiving an appropriate refund) if an alternative holiday is not acceptable we will refund in full all monies paid to us (other than insurance premiums and amendment charges). In addition we will pay you compensation as set out in paragraph 12 but no other compensation or reimbursement of expenses.

Any monies payable under this clause will be subject to the overriding provision of clause 8.

Where the minimum number of people required to operate the holiday has not been met no payment will be made under this clause provided we have given you notice of cancellation due to this fact not less than seventy days before departure or no later than the date upon which the balance of purchase price of your holiday falls due whichever is the later date. In extremely rare circumstances we may be forced to curtail your holiday after departure, in such cases the provisions of this clause will apply subject to the overriding provisions of clause 8 hereof. 

16. Our Liability to You

(1) We promise to make sure that the travel services comprising your package that we have agreed to make, perform or provide as applicable as part of our contract with you are made, performed or provided with reasonable skill and care. This means that, subject to these booking conditions, we will accept responsibility if, for example, you suffer death or personal injury or your contracted booking arrangements are not provided as promised or prove deficient as a result of the failure of ourselves, our employees, agents or suppliers to use reasonable skill and care in making, performing or providing, as applicable, your contracted booking arrangements and, in the case of your contracted booking arrangements not being provided as promised or proving to be deficient, that this has affected your enjoyment of your break. Please note it is your responsibility to show that reasonable skill and care has not been used and that your enjoyment of the break has been affected if you wish to make a claim against us. You must also notify us without undue delay of any lack of conformity that you perceive during the performance of your package travel contract. In addition, we will only be responsible for what our employees, agents and suppliers do or do not do if they were at the time acting within the course of their employment (for employees) or carrying out work we had asked them to do (for agents and suppliers).

(2) We will not be liable to pay compensation for any injury, illness, death, loss (for example loss of enjoyment), damage, expense, cost or other sum or claim of any description if we prove that the lack of conformity claimed is:

  1. attributable to you (or any member(s) of your party);
  2. attributable to a third party unconnected with the provision of the travel services included in the package travel contract and is unforeseeable or unavoidable; or
  3. due to Unavoidable and Extraordinary Circumstances.

However, in these circumstances, we will still provide you with prompt assistance if you are in difficulty (see sub-paragraph (8) below).

(3) We do not accept responsibility or liability for any services which do not form part of our contract with you. This includes, for example, any additional services or facilities which your hotel or any other supplier agrees to provide for you where the services or facilities are not advertised on our website or in any of our brochures as being included in the price of your break and we have not agreed to arrange them. This also includes services that you have purchased or booked with a third-party provider.

(4) The promises we make to you about the services we have agreed to provide or arrange as part of our contract, and the laws and regulations of the country in which your claim or complaint occurred, will be used as the basis for deciding whether the services in question were properly provided. If the particular services which gave rise to the claim or complaint complied with local laws and regulations applicable to those services at the time, the services will be treated as having been properly provided. This will be the case even if the services did not comply with the UK laws and regulations that would have applied had those services been provided in the UK. The exception to this is where the claim or complaint concerns the absence of a safety feature, which might lead a reasonable customer to refuse to take the break in question.

(5) Our liability, except in cases involving death, injury or illness, shall be limited to a maximum of three times the cost of your booking. In addition, where any claim or part of a claim (including those involving death or personal injury) concerns or is based on any travel arrangements (including the process of getting on and/or off the transport concerned) provided by any air, sea, rail or road carrier or any stay in a hotel, the maximum amount of compensation we will have to pay you will be limited in accordance with:

(a) the contractual terms of carriage of the companies that provide the transportation for your break (and such terms are incorporated into this contract); and (b) any applicable international convention, for example, the Montreal Convention in respect of travel by air, the Athens Convention in respect of travel by sea, the Berne Convention in respect of travel by rail and the Paris Convention in respect of the provision of accommodation, which limit the amount of compensation you can claim for death, injury, delay to passengers and loss, damage and delay to luggage. We are to be regarded as having all benefit of any limitation of compensation contained in these or any conventions.

Copies of the contractual terms of the suppliers of your break and the applicable international conventions are available from us on request.

Under passenger rights laws, in the event of denied boarding, cancellation or delay to your flight after you have checked in, you may be entitled to compensation from your airline. Full details will be publicised at relevant airports and available from airlines. If you are unhappy with your airline’s response, you may complain to the Air Transport User’s Council (telephone 0207 240 6061). Note that this will not automatically entitle you to a refund of your holiday cost from us - your right to a refund and/or compensation from us is set out in these booking conditions. If any payments to you are due from Exclusive Golf, any payment made to you by your airline or third party will be deducted.

(6) We do not accept any liability for any damage, loss, cost, expense or other sum(s) of any description which (a) on the basis of the information given to us by you concerning your booking prior to our confirming it, we could not have foreseen you would suffer or incur if we breached our contract with you and (b) did not result from any breach of contract or other fault by ourselves or our employees or, where we are responsible for them, our suppliers. Additionally, we do not accept liability for any business losses, including loss of profit.

(7) You must provide us and our insurers with all the assistance that we may reasonably require. You must also tell us and the supplier concerned about your claim or complaint (see Section 5 “Complaints” above). If asked to do so, you must transfer to us or our insurers any rights you have against the supplier or whoever else is responsible for your claim or complaint (if the person concerned is under 18, their parent or guardian must do so). You must also agree to co-operate fully with us and our insurers if we or our insurers want to enforce any rights which are transferred.

(8) Where you are in difficulty during your break, we will give you prompt assistance without undue delay, even if caused by Unavoidable and Extraordinary Circumstances, in particular by, providing appropriate information on health services, local authorities and consular assistance; and assisting you to make distance communications and helping you to find alternative travel arrangements.

(9) You may be entitled to the cost of necessary accommodation pursuant to and in accordance with the limits set out in the Regulations where we are unable to ensure your return because of Unavoidable and Extraordinary Circumstances. Any entitlement to receive any such payment from Exclusive Golf shall be offset by any payment made to you by your airline or third party.

17. GOLF

Unless stated otherwise on your confirmation golf is an optional extra and is shown seperately on your invoice. Golf is defined as 18 holes per day commencing no earlier than the day after arrival unless stated. If you have chosen golf as an optional extra, green fee vouchers will be issued for golf booked by us  on your behlaf and will be despatched as part of your travel documentation, unless booked within 48 hours when they will be sent directly to the golf courses.


The description and content of this website is prepared many months in advance of the holiday season, and is based on latest information available at the time. All prices on the website are per person the dates of travel are to be verified by your travel consultant at time of booking. If at any time of booking your holiday price has changed from that shown on this site, you will be notified of the revised price applicable before you commit yourself. If the website price increases or decreases after you have booked and confirmed your holiday this will not affect the total prices agreed between us. We rely on our suppliers to keep us informed of resort changes made by hotels or other services offered and will be notified to you as soon as they are received. These changes i.e. pool closing, room renovations, food outlets, golf closure etc. is beyond our control and therefore we cannot be held responsible.

Please note all the information on this website is correct at time of uploading.


Your financial protection - when you buy an ATOL protected flight or flight inclusive holiday from us you will receive an ATOL certificate. This lists what is financially protected, where you can get information on what this means for you and who to contact if things go wrong.

Exclusive Golf or the suppliers identified on your ATOL certificate will provide you with the services listed on the ATOL certificate (or a suitable alternative). In some cases, where neirther we nor the supplier are able to do so for reasons of insolvency, an alternative ATOL holder may provide you with the services you have bought or a suitable alternative (at no extra cost to you). You agree to accept that in those circumstances the alternative ATOL holder will perform those obligations and you agree to pay any money outstanding to be apid by you under your contract to that alternative ATOL holder. However tou also agree that in some cases it will not be possible to appoint an alternative ATOL holder, in which case you will be entitiled to make a claim unde the ATOL scheme (or your credit card issure where applicable).

If we or the supplier identified on your ATOL certificate, are unable to provide the services listed (or a suitable alternative, through an alternative ATOL holder or otherwise) for reasons of insolvency, the Trustees of the Air Travel Trust may make a payment to (or confer a benefit on) you under the ATOL scheme. You agree that in return for such a payment or benefit you assign absolutely to those Trustees any claims which you have or may have arising out of or relating to the non-provision of the services, including any claim against us, the travel agent (or your credit card issuer where applicable). You also agree that any such claims may be re-assigned to another body, if that other body has paid sums you have claimed under the ATOL scheme.”