If we do not reach our threshold of at least 6 people for a trip, you will have a 100% refund minus the gateway charges, therefore you will have 95% of your full payment. If you cancel your trip for any reason, you will be refunded by 70% of your initial payment minus the payment gateway charges which will be almost 5%, therefore 65% in total. Both refunds due to international banking systems may take up to 45 days.