Liability: The tour participant agrees that neither the Operator nor Dr. Emma Bragdon shall be liable for any damage, loss (including losses related to personal injury, death, and/or property loss) or expenses occasioned by any act or omission of Operator or any supplier providing tour services, or any other person. Operator is not responsible for the willful or negligent acts and/or omissions of such suppliers. By using the travel services of the suppliers, you agree that Operator shall not be liable for any accident, injury, property damage, or personal loss which may occur to you or those traveling with you, in connection with any accommodations, transportation, or other travel services, or resulting directly or indirectly from any occurrences or conditions beyond Operator's control. Such occurrences or conditions would include, but are not limited to, acts of terrorism, civil unrest or hostilities, acts of nature or of animals, governmental actions, defects in vehicles, breakdown of equipment, strikes, theft, delay, or cancellation of or changes in itinerary or schedules. Operator is not responsible for: any expense or inconvenience caused by late arrivals of any such conveyances of such travel suppliers or any change of schedules, conveyances or accommodations determined by the tour operator; or for any cancellation or disruption of any such services provided by any travel suppliers; or for any failure on the part of any such tour operator or travel supplier to perform by reason of financial difficulty or default, suspension of operation, or other reason; or for any refunds for travel accommodations not provided by such tour operator or travel supplier.