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welcome to you counsel this is our fourth lecture on claiming refunds in Canada for your summer camp payments and airline tickets that have been cancelled we begin with our usual disclaimer that this lecture is not legal advice so if you have any specific questions you should contact a lawyer or a paralegal or the Law Society of Ontario or if you are in another province or territory to contact your Law Society for a referral to a lawyer or a paralegal now in this lecture series we have already provided three lectures lecture one talked about the underlying principles which would apply to most breeches especially with respect to covert 19 lecture two talked about some of the defenses that could be raised for that bdocHub of contract to avoid liability lecture 3 we applied the legal principles to summer camps and we took the example of stem camps because we had more information and showed how these legal principles will apply and enable you to seek refund for your monies that you have pai