The provided refund policy and terms and conditions are clear and reasonable. Here are some key points:

### Refund Policy

- *Cancellation Fees*:
- 100% refund for cancellations made 7 days or more in advance.
- 80% refund for cancellations within 3-6 days.
- 70% refund for cancellations within 48 hours.
- No refunds for cancellations within 24 hours of departure.

- *Refund Processing*:
- Refunds are processed within 15-45 days.
- Refunds are paid via the original payment method.

- *Unused Services*:
- No refunds for unused services like entrance fees, optional tours, hotels, transport, etc.

### Terms and Conditions

- *Payment*:
- Full payment is required 7-15 days prior to arrival date.

- *Cancellations*:
- All cancellations must be made in writing.

- *Refunds for Changes*:
- Itinerary changes made by the operator may result in refunds if the replacement is cheaper.
- Itinerary changes requested by the customer are at their own expense.
- *Responsibility*:

- The operator is not responsible for refunds due to force majeure events.
- *Client Responsibilities*:

- Clients must follow the tour program.
- No refunds for late arrivals or early departures.
- No refunds for any client "No Shows" or early checkouts.

This policy is designed to protect the operator's business while also providing some flexibility for customers. It clearly outlines the fees and conditions for cancellations and changes, ensuring that both parties understand their responsibilities.