Applicants who cancel seminar enrollment five or more business days before the course starts will receive a full refund. Those cancelling with fewer than five business days from the start of the course will incur a $75 late cancellation fee. Substitutions may be made at any time. CFS reserves the right to cancel any program in the event of insufficient registration or instructor emergency, and will refund the full registration fee if this occurs. CFS will inform you 48-72 hours prior to the scheduled class date. CFS liability shall be limited to the registration fee amount.