Effective immediately, this Chargeback Policy applies to all payments made to Club Esprit Vacation Club, including initial purchases, deposits, dues, loan payments, and travel services. By making any payment, you agree to this policy, our Terms & Conditions, and Privacy Policy.

1. What Is a Chargeback?

A chargeback occurs when you dispute a transaction with your credit card provider and request a reversal of funds. While Club Esprit recognizes that valid chargebacks may arise in cases of fraud or error, we take a zero-tolerance approach to unmerited or abusive chargebacks.

2. Covered Transactions

This policy applies to all payments made to or through Club Esprit, including but not limited to:

• Initial membership purchases and deposits
• Monthly, quarterly, or annual membership dues
• Loan payments processed through our financing partners
• Vacation certificate purchases
• Travel bookings, cruise packages, hotel reservations, or other services
• Add-ons, upgrades, or optional enhancements

3. Unmerited Chargebacks

A chargeback will be deemed unmerited if:

• You or an authorized individual knowingly submitted the payment
• You received the service or documentation promised
• You failed to comply with the applicable Cancellation Policy
• You filed a dispute without contacting Club Esprit first
• You provided no legitimate basis or failed to supply required documentation to your bank

Unmerited chargebacks represent a breach of your agreement with Club Esprit.

4. Loss of Membership Good Standing

If you initiate an unmerited chargeback, your account will be placed in non-compliant status, and the following actions will be taken:

• Immediate suspension of your membership
• Cancellation of any pending or future travel bookings
• Forfeiture of eligibility for promotional gifts, incentives, or offers
• Denial of future booking privileges or reactivation, at our sole discretion

5. Recovery of Funds and Chargeback Administration Fee

Club Esprit reserves the right to recover:

• The full amount of any unmerited chargeback
• Any associated bank fees, penalties, or administrative costs

A Chargeback Administration Fee of $249 may be applied to cover the internal labor, documentation, and dispute-handling costs associated with the reversal.

Recovery may be pursued through:

• Recharging the original payment method
• Issuing a formal invoice and demand for repayment
• Engaging a licensed third-party collection agency
• Any other lawful means available to us

6. Your Responsibilities

As a member of Club Esprit, you agree to:

• Read and understand all terms before making a payment
• Save your receipts, confirmations, and agreements
• Contact Member Services promptly with any questions or concerns
• Not file a chargeback without legitimate cause and prior communication

7. Resolution Before Dispute

If you believe a charge is inaccurate, unauthorized, or in error, you must first attempt to resolve the issue directly with Club Esprit before filing a chargeback.

We are committed to fair and timely resolutions. Please contact:

Email: memberservices@myclubesprit.com
Phone: (800) 637-4787
  Hours: Monday–Friday, 9:00 AM – 6:00 PM Eastern Time

Failure to contact us prior to initiating a dispute may result in your chargeback being deemed unmerited.

8. Consent to Policy

Submission of payment constitutes your full and binding acceptance of this Chargeback Policy. This policy is enforceable in conjunction with your Membership Agreement and all supporting documentation provided at the time of sale or booking.