d’Albora Marinas

Loyalty Program – Terms and Conditions

1. About the Program

1.1 These Terms govern the Program operated by d’Albora.

1.2 The Program allows Members to earn Points on Eligible Spend at Participating Marinas and to attain Tier Status.

1.3 If you have a Participating Agreement at a Participating Marina, or a Casual Agreement, you will be automatically enrolled in the Program. Your participation in the Program is subject to these Terms. By claiming a Benefit or redeeming any Points, you acknowledge that you have had an opportunity to review these Terms, and you agree to be bound by them. Your claim for a Benefit or redemption of Points constitutes your acceptance of these Terms.

1.4 If you have a Long Term Lease or are involved in Commercial Use you do not qualify for membership under this Program.

1.5 The Program starts as a pilot at The Spit marina on 1 October 2026. During the pilot:

(a) the Spit is the only Participating Marina. For clarity, only Participating Agreements and Casual Agreements at The Spit qualify for membership under this Program;

(b) the Benefits are available only to Members of the Spit; and

(‌c) the notice period under clause 11.3 is fourteen (14) days instead of thirty (30) days.

1.6 We may extend the Program to other d’Albora marinas (which will then become Participating Marinas) from 1 January 2027.

2. Definitions

In these Terms, unless the context otherwise requires, the following definitions apply:

Account means the Program membership account we maintain for a Member.

Australian Consumer Law means Schedule 2 to the Competition and Consumer Act 2010 (Cth).

Benefits means any of the facilities, discounts, services or arrangements attached to each Tier Status and offered or available to a Member as a result of participation in the Program as set out in the Benefits Schedule.

Benefits Schedule means the schedule of Benefits and Points settings published at https://www.dalbora.com.au/loyalty/ and/or in the d’Albora App, as varied from time to time.

Casual Agreement means a confirmed casual or short-term booking with d’Albora for the recreational berthing of a vessel at a Participating Marina, excluding any booking for Commercial Use.

Commercial Use means using a berth, or the vessel berthed there, for or in connection with a business or other activity carried on for reward (for example, charter, hire, tours, water taxi or commercial fishing, or holding the vessel for sale). It includes any berthing agreement that is priced or documented by us as a commercial agreement. A vessel is not in Commercial Use merely because it is owned by a company or trust, if it is used solely for recreational purposes.

Continuous Tenure has the meaning given to that term in clause ‎5.2.

d’Albora, we, us, our means MA Marina Fund Opco No. 1 Pty Ltd ABN 59 667 243 601 trading as d’Albora Marinas.

d’Albora App means the official d’Albora mobile application that we make available, as updated or replaced by us from time to time.

Eligible Spend means amounts actually paid by you or on your behalf to d’Albora at a Participating Marina for the categories of goods and services set out in the Benefits Schedule, excluding the items listed in these Terms, including clause ‎4.6.

Long Term Lease means a long-term lease or similar commercial arrangement outside of the d’Albora usual commercial framework as determined by d’Albora.

Member means a person (being an individual aged 18 or over, a company, a trust or a partnership) who is enrolled in the Program under clause ‎3, until their membership ends in accordance with these Terms.

Nominated Beneficiary has the meaning given in clause ‎3.5.

Participating Agreement means an agreement with d’Albora for the recreational berthing, mooring or dry storage of a vessel at a marina owned or operated by d’Albora for a term of twelve (12) months or more (whether the fees are prepaid or paid by instalments), including any month-to-month continuation of that agreement with our consent, but excluding any agreement for Commercial Use and any Long Term Lease.

Participating Marina means a marina operated by d’Albora that is participating in the Program.

Points means the loyalty points credited to an Account under these Terms.

Privacy Policy means our privacy policy published at www.dalbora.com.au/legal/privacy, as updated from time to time.

Program means the loyalty program operated and managed by d’Albora under which a Member may earn and redeem Points and receive and enjoy the Benefits of Tier Status in accordance with these Terms.

Terms means these terms and conditions, including the Benefits Schedule, as amended from time to time.

Tier Status means the membership tier (Blue, Silver, Gold or Platinum) held by a Member under clause ‎5 and Blue Tier Status, Silver Tier Status, Gold Tier Status and Platinum Tier Status have corresponding meanings.

You, your means the Member.

3. Membership and eligibility

3.1 There is no separate fee to be a Member, and you do not need to apply. Subject to these Terms, you automatically become a Member if you have:

(a) a Participating Agreement at a Participating Marina; or

(b) a Casual Agreement. If you are a Member only because you have a Casual Agreement, your membership lasts only for your stay (from your arrival date to your departure date), and provided that you have met all payment obligations by the relevant due date.

3.2 Although enrolment is automatic, we may decline to enrol you in the Program if we reasonably believe that:

(a) you are not eligible under these Terms for reasons determined by d’Albora (for example, because your berthing agreement is for Commercial Use or you have a Long Term Lease);

(b) you are in material breach of these Terms or your berthing agreement; or

(‌c) your membership was previously cancelled under clause ‎10.2. If we decline to enrol or include you in the Program, we will tell you and give our reasons.

3.3 You must provide accurate information (including about your Nominated Beneficiary) and keep your contact details current.

3.4 You will have one (1) Account for each Participating Agreement or Casual Agreement you hold. This applies even if more than one person holds the agreement or owns the vessel.

3.5 Each Account has one Nominated Beneficiary. This is the individual, aged 18 or over, who uses the Benefits and redeems Points on your behalf. No one else may do so. Before using any Benefit or redeeming Points, the Nominated Beneficiary must confirm their details in the d’Albora App and acknowledge clause 13 and our Privacy Policy.

3.6 Until you tell us otherwise, your Nominated Beneficiary is:

(a) if you are an individual, you (or, if more than one individual holds the agreement, the first person named in it); or

(b) if you are a company, trust or partnership, the primary contact named in your berthing agreement.

3.7 You may change your Nominated Beneficiary by notifying us.

3.8 Your Account cannot be transferred. You are responsible for all activity on your Account, including by your Nominated Beneficiary, and you must tell us promptly if you suspect unauthorised use.

3.9 Your membership ends when you no longer hold any Participating Agreement or Casual Agreement, when the closure of your Account takes effect under clause 10.1, or when a cancellation of your membership takes effect under clause 10.2. If your membership ends, you (or your Nominated Beneficiary) may still redeem Points during any period allowed for redemption under clause 7.2(a), 10.3 or 11.7, and these Terms continue to apply to you until that period ends.

4. Earning Points

4.1 Members with Silver, Gold or Platinum Tier Status earn Points. Members with Blue Tier Status do not earn Points.

4.2 You earn Points on Eligible Spend. The Benefits Schedule sets out the Eligible Spend categories and the earn rate.

4.3 Points are calculated on the GST-exclusive amount actually paid by you or on your behalf in relation to your Participating Agreement, after any discount. Amounts invoiced but not yet paid do not earn Points. If you pay your berthing fees or other charges by instalments, you earn Points on each instalment when it is paid. Points may take up to thirty (30) days to show in your Account after payment has been made to us.

4.4 Amounts invoiced under your Participating Agreement are linked to your Account automatically. For other purchases, such as fuel, you must identify your Account at the time of purchase. If you do not, we may not be able to credit Points for that purchase.

4.5 We calculate Points separately for each payment and award them in whole Points only. Any part of a Point is not credited. For example purposes only, at an earn rate of 1 Point per $1 of Eligible Spend, a payment of $164.89 (being $149.90 plus $14.99 GST) earns 149 Points.

4.6 Points are not earned on:

(a) government taxes, levies or charges (including GST);

(b) security deposits or bonds;

(‌c) insurance recoveries;

(d) late payment fees, interest or debt recovery costs;

(e) purchases from third-party tenants or operators at our marinas;

(f) any part of a purchase paid for by redeeming Points or using a voucher; and

(g) any other category excluded in the Benefits Schedule.

4.7 If a payment that earned Points is refunded, reversed or charged back, or Points are credited in error, we may deduct those Points from your Account. If this creates a negative balance, we may offset it against Points you earn later. A negative balance is not a debt you owe us unless it results from fraud.

5. Tier Status

5.1 Your Tier Status depends on the type of berthing agreement you have and, for a Participating Agreement, how long you have had one:

(a) Blue – if you have a Casual Agreement, for the length of your stay;

(b) Silver – if you have a Participating Agreement, from its first day until you complete five (5) years of Continuous Tenure;

(‌c) Gold – from the day you complete five (5) years of Continuous Tenure until the day you complete ten (10) years of Continuous Tenure; and

(d) Platinum – from the day you complete ten (10) years of Continuous Tenure.

5.2 Your Continuous Tenure starts on the first day of your first Participating Agreement. It continues while you have a Participating Agreement with d’Albora, including when you renew or replace it, move to another d’Albora marina or change vessels, as long as there is no break of more than five (5) consecutive days. A break is any day on which you do not have a Participating Agreement. A break of five (5) days or less does not affect your Continuous Tenure. If there is a break of more than five (5) days, your Continuous Tenure ends. If you later enter into a new Participating Agreement, a new Continuous Tenure starts from the first day of that agreement, at Silver Tier Status.

5.3 Your Continuous Tenure:

(a) ends if there is a break of more than five (5) consecutive days between your Participating Agreements, unless we decide otherwise;

(b) only includes time at a marina while it was owned or operated by d’Albora. For a marina d’Albora has acquired, time before the date of acquisition (including time with the previous operator) does not count; and

(‌c) belongs to you as the Member, and cannot be transferred to anyone else, including on the sale of your vessel or the transfer of your Participating Agreement.

5.4 For example:

(a) your Participating Agreement has run without a break since 1 July 2018, so your Continuous Tenure started on 1 July 2018;

(b) your Participating Agreement ended on 30 June 2026 and your next one started on 15 July 2026, so your Continuous Tenure starts again on 15 July 2026 and you start again at Silver Tier Status; or

(‌c) you have berthed at a marina since 2015 and d’Albora acquired it on 1 March 2023, so your Continuous Tenure started on 1 March 2023.

5.5 If you have both a Participating Agreement and a Casual Agreement, your Tier Status is based on your Participating Agreement.

5.6 We update Tier Status when you reach the required Continuous Tenure. Benefits are available only while your membership continues. Your Continuous Tenure is determined from our records of your Participating Agreements, and our records apply unless you give us documents showing they are wrong (such as a copy of an earlier Participating Agreement or invoice). If you do, we will review our records and tell you the outcome of our review (acting reasonably when making such determinations). We are not required to rely on the records of a previous operator of a Participating Marina.

5.7 The Benefits attached to each Tier Status are set out in the Benefits Schedule. The Benefits Schedule forms part of these Terms and may be varied. Benefits are personal to the Member, have no cash value, are subject to availability and to any conditions in the Benefits Schedule, and are in addition to (and do not affect) any rights under your berthing agreement.

5.8 We may suspend your Benefits while any amount payable under your berthing agreement is more than fourteen (14) days overdue (other than an amount disputed in good faith).

6. Redeeming Points

6.1 If you have sufficient Points in your Account, you can use your Points to pay for goods and services from d’Albora. The Benefits Schedule sets out:

(a) what you can use Points for (for example, berthing fees and fuel);

(b) how much each Point is worth; and

(‌c) the minimum number of Points you must use each time.

6.2 Only you or your Nominated Beneficiary may redeem Points.

6.3 Points are deducted from your Account when a redemption is processed. Once processed, a redemption cannot be reversed and the Points cannot be reinstated, unless the law requires it, we have made an error, or we agree to do so.

6.4 Points, and anything obtained by redeeming Points, cannot be exchanged for cash.

6.5 Points cannot be redeemed while your Account or Benefits are suspended.

6.6 You may use Points to pay for all or part of a purchase. If the value of the Points you redeem is more than the amount payable, no change, credit or refund is given for the difference.

7. Expiry of Points

7.1 Your Points do not expire while you have a current Participating Agreement.

7.2 Your Points expire:

(a) if your Participating Agreement ends and you do not enter into a new Participating Agreement within twelve (12) months after it ends. You may redeem your Points during those twelve (12) months, and any Points you have not redeemed by the end of that period expire;

(b) if your membership is cancelled, where the Points will expire at the time set out in clause ‎10.3;

(‌c) if we discontinue the Program, where the Points will expire at the end of the notice period under clause 11.7;

(d) when the closure of your Account takes effect; or

(e) if you are a company that is deregistered or wound up, or a trust that ends, at that time.

7.3 While not obliged to, we may tell you at least thirty (30) days before your Points are due to expire under clauses 7.2(a), 7.2(‌c) or 7.2(d), using the contact details we hold for you. You are responsible for keeping those details up to date. Your Points will expire even if you do not receive our notice.

7.4 Expired Points cannot be reinstated, unless they expired because of our error or the law requires it. We are not required to compensate you for expired Points.

7.5 The expiry of Points does not affect your Tier Status.

8. Your Account and statements

8.1 You can view your Points balance and Tier Status via the Member portal on the d’Albora App, by emailing loyalty@dalbora.com.au or contacting the Member & Guest Services at 1800 DALBORA (32 52 672).

8.2 Your Points balance is determined from our records. If you think your balance is wrong, please tell us within sixty (60) days of the transaction and give us any documents that support your claim (such as a receipt or invoice). We will review our records, acting reasonably, and our decision will apply. We may correct any error in your Account at any time, including by removing Points credited in error, and we will tell you if we do.

9. Nature of Points

9.1 Points have no cash or monetary value. They are not legal tender, money, a deposit or credit, and they do not earn interest. Points can only be used to pay d’Albora as set out in these Terms (including the Benefits Schedule).

9.2 Points are not your property. They give you only a contractual right to redeem them in accordance with these Terms, as they apply from time to time. Your membership and your rights under these Terms cannot be sold, transferred or assigned.

9.3 You must not sell, transfer, assign or give away your Points, or anything obtained by redeeming them. You must not combine them with Points in another Account, or offer to do any of these things. This applies even if you sell your vessel to someone else. No one may buy or otherwise acquire Points from you.

9.4 We may, in our discretion and in writing, allow Points to be transferred to another Account:

(a) if a Member who is an individual dies, on a written request from the executor or administrator of their estate, made within twelve (12) months of the death and supported by evidence (such as a grant of probate or letters of administration), to the person who takes over the Participating Agreement or a family member of the deceased Member;

(b) if your Participating Agreement is transferred to your spouse or between you and a company or trust that you control as part of a restructure of how you hold your vessel, provided that the same person or persons retain ultimate ownership and control of the vessel and you give us any evidence we reasonably request; or

(‌c) if the law requires it.

9.5 No payment may be asked for or received for a transfer. Once made, a transfer cannot be reversed. Tier Status and Continuous Tenure are not transferred, except as expressly provided under these Terms.

9.6 If Points, or anything obtained by redeeming them, are dealt with in breach of these Terms (including the Benefits Schedule), we may cancel them. Any such dealing is a material breach of these Terms for the purposes of clause ‎10.2.

10. Suspension and termination of membership

10.1 You may close your Account at any time by providing written notice to us. Closure takes effect fourteen (14) days after we receive your notice, and you may redeem Points before then. Unredeemed Points are forfeited on closure.

10.2 We may suspend your Account (including your ability to earn and redeem Points and use Benefits), or cancel your membership by written notice, if:

(a) you materially breach these Terms;

(b) we reasonably suspect that Points or Benefits have been earned, redeemed or used fraudulently, or through abuse or manipulation of the Program;

(‌c) we reasonably suspect that you have given us false or misleading information;

(d) you, your Nominated Beneficiary, or anyone acting on your behalf engages in conduct that is abusive, offensive, threatening, harassing, intimidating or unsafe towards our staff, contractors or other customers, or otherwise creates a hostile environment for our staff; or

(e) we suspend or terminate your Casual Agreement or Participating Agreement (as applicable) because of your breach. We may suspend your Account immediately. A suspension will last only as long as is reasonably necessary for us to investigate the matter, and within thirty (30) days after suspending your Account we will either lift the suspension or give you written notice of cancellation. Before cancelling your membership, we will, where practicable, tell you our reasons and give you an opportunity to respond. A cancellation takes effect seven (7) days after we give you written notice of it.

10.3 If your membership is cancelled under clause ‎10.2(b), ‎10.2(‌c) or ‎10.2(d), your unredeemed Points are forfeited when the cancellation takes effect, and we may recover the value of any Benefits or redemptions obtained through fraud or abuse. If your membership is cancelled under clause ‎10.2(a) or ‎10.2(e) you may redeem your Points within thirty (30) days after the cancellation takes effect, after which they expire.

11. Changes to the Program and these Terms

11.1 To the extent permitted by law, we may change these Terms (including the Benefits Schedule) from time to time where:

(a) the change is reasonably necessary to protect our legitimate interests, for example to respond to changes in our costs, operations or facilities, or to how Members use the Program (particularly during the pilot);

(b) the change is necessary to reflect changes made by third-party Benefit providers; or

(‌c) the change is required for legal or safety reasons.

11.2 Without limitation, changes under clause 11.1 may include updating the following:

(a) the Tier Status structure, including the Continuous Tenure required for each Tier Status;

(b) the Benefits Schedule, including by adding, varying, suspending or withdrawing any Benefit;

(‌c) the ways in which Points are earned and redeemed;

(d) Points earning and redemption rates, and the minimum redemption;

(e) the Participating Marinas; and

(f) Benefit restrictions or conditions.

11.3 If a change is likely to disadvantage Members (for example, by reducing a Benefit or the value of Points), we will give you at least thirty (30) days’ notice (or fourteen (14) days’ notice during the pilot) before it takes effect by notifying you directly under clause 15.6 and publishing the change on the d’Albora website.

11.4 Any other change takes effect when it is published on the d’Albora website or in the d’Albora App, or on any later date we specify.

11.5 Despite clause 11.3, we may make a change with less notice, giving as much notice as is reasonably practicable, if the change is required by law or a regulator, or is reasonably necessary to prevent fraud or misuse, for safety reasons, or because a third party has withdrawn or changed a Benefit it provides.

11.6 A change does not reduce the Points already credited to your Account. Redemptions processed before a change takes effect will be honoured.

11.7 We may discontinue the Program, in whole or at any Participating Marina, by giving at least sixty (60) days’ notice. During the notice period, you may redeem your Points without any minimum redemption, and any Points not redeemed by the end of the notice period expire. If we are required by law to discontinue the Program, we will give as much notice as is reasonably practicable.

11.8 If you do not agree to a change, you may close your Account under clause ‎10.1. If you continue to participate in the Program after a change takes effect, you are taken to have accepted it.

11.9 We will publish the current version of these Terms, showing the date it takes effect, on the d’Albora website.

12. Tax

12.1 You are responsible for any tax consequences of participating in the Program, including where Points or Benefits are received in connection with business expenditure. We recommend you obtain your own tax advice.

13. Privacy and communications

13.1 d’Albora collects personal information about Members, Nominated Beneficiaries and other people who use an Account. This includes names and contact details, date of birth, vessel and berthing agreement details, transaction history and how you use Benefits and the d’Albora App. We collect it from you, the Nominated Beneficiary (as applicable), from our berthing and booking records, and when you use the d’Albora App or our marinas.

13.2 We use this information in accordance with our Privacy Policy to:

(a) administer the Program, including enrolling you, determining your Tier Status, and crediting and redeeming Points;

(b) provide Benefits, including through third-party providers;

(‌c) communicate with you about your Account and the Program;

(d) prevent and investigate fraud and misuse of the Program;

(e) analyse and improve the Program and our services;

(f) send you marketing, subject to clause ‎13.5; and

(g) comply with the law.

13.3 If you do not provide information we ask for, we may not be able to provide some Benefits (for example, the Boatyard voucher requires the Nominated Beneficiary’s date of birth).

13.4 We may disclose this information to our related entities (including entities in the MA Financial Group), our service providers (such as IT, app, payment and communications providers), third-party Benefit providers (limited to what is needed to provide a Benefit you choose to use), our professional advisers, a prospective purchaser or assignee of all or part of our business (on a confidential basis), and as required or authorised by law. Some of these recipients may be located outside Australia. We will not disclose your personal information to a third party for its own marketing without your consent.

13.5 We may send you service communications about your Account and the Program (such as statements, expiry notices and notices of changes). These are not marketing. We may also send you marketing about our services, the Program, Member Benefits, events and offers where permitted by law and in accordance with our Privacy Policy. You can opt out of marketing at any time using the unsubscribe link in the communication or by contacting us.

13.6 Our Privacy Policy explains how we hold and protect personal information, how you can access or correct it, how to make a complaint and how we deal with it, and whether we disclose information overseas.

13.7 If you give us personal information about another person (including your Nominated Beneficiary), you confirm that you are authorised to do so, that you have obtained any consent required by law, and that you have made them aware of this clause ‎13 and our Privacy Policy (including how to contact us).

14. Liability

14.1 Nothing in these Terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law (including the consumer guarantees) or any other law that cannot be excluded, restricted or modified.

14.2 Subject to clause ‎14.1, our liability for any error in operating the Program (such as in crediting or redeeming Points, determining Tier Status or providing a Benefit) is limited, at our option, to re-crediting Points, correcting the Tier Status, re-supplying the Benefit or paying the cost of re-supplying it. This clause does not limit our liability in relation to goods or services supplied under any other agreement, or for death, personal injury or property damage caused by our negligence.

14.3 It may be that some Benefits are provided by third parties on their own terms. We are not responsible for those Benefits except to the extent caused by us or required by law.

14.4 Subject to clause ‎14.1 and to the extent permitted by law, we are not liable for any indirect or consequential loss (including loss of profit, revenue or opportunity) arising in connection with the Program. This clause does not apply to loss caused by our fraud or wilful misconduct.

14.5 Subject to clause ‎14.1, we do not guarantee that the Program, the d’Albora App or any Benefit will always be available or free from errors. We are not liable if a Benefit is unavailable because of factors outside our reasonable control (such as weather, berth capacity, fuel supply or technical faults). To the extent permitted by law, we exclude all warranties about the Program that are not set out in these Terms.

14.6 You are not entitled to compensation for a change made in accordance with clause ‎11.

15. General

15.1 These Terms are governed by the laws of New South Wales, and the parties submit to the non-exclusive jurisdiction of its courts.

15.2 If any part of these Terms is unenforceable, it is severed and the remainder continues in effect.

15.3 These Terms apply to the Program only. They do not amend or form part of any berth licence, mooring, storage, fuel supply or other agreement you have with d’Albora, and a change to the Program does not vary any such agreement. In the event of inconsistency in relation to the Program, these Terms prevail.

15.4 Questions about the Program can be directed to loyalty@dalbora.com.au.

15.5 We may assign or novate our rights and obligations under these Terms to a related body corporate, or to a purchaser or operator of all or part of our marina business, provided the assignee honours Members’ accrued Points and Tier Status.

15.6 We may give you notices under these Terms by email, SMS, d’Albora App notification or post, using the most recent contact details we hold for you. A notice sent by email, SMS or d’Albora App notification is taken to be received when sent, unless we are notified that delivery failed.

d’Albora Marinas

Loyalty Program – Benefits Schedule

1. Participating Marinas

1.1 Pilot (from 1 October 2026): The Spit.

1.2 From 1 January 2027: the additional d’Albora marinas that we announce as Participating Marinas, as listed at https://www.dalbora.com.au/loyalty/ and/or in the d’Albora App from time to time.

2. Benefits by Tier Status

3. Points

4. Benefit conditions

4.1 Fuel markdown. The markdown is in cents per litre off the price displayed at the pump, at fuel docks operated by d’Albora, for fuel dispensed directly into the vessel under the Member’s Participating Agreement or Casual Agreement. For Blue, it applies only during the stay booked under the Casual Agreement and on quoting the booking reference. It does not apply to portable containers or other vessels, cannot be combined with any other fuel discount (only the highest discount applies), and is subject to fuel availability and operating hours.

4.2 Boatyard markdown. The discount is a percentage off the quoted price of Boatyard by d’Albora services for the Member’s vessel while it is berthed at a d’Albora marina. It excludes parts or materials supplied at cost, third-party contractor charges and services that have already been discounted.

4.3 Additional reciprocal nights. The additional nights are on top of the standard reciprocal berthing entitlement (currently thirty (30) nights), which is not affected by this Benefits Schedule. Additional nights:

(a) must be booked in advance – request to be made via the d’Albora App;

(b) are subject to berth availability and the host marina’s conditions and marina rules (as published by the host marina);

(‌c) are available once the standard entitlement for the relevant year (being the same twelve (12)-month period that applies to the standard reciprocal berthing entitlement) has been used; and

(d) do not carry over from year to year.

4.4 Boatyard voucher. One Boatyard by d’Albora voucher with a value as notified by us from time to time is issued each year through the d’Albora App on the Nominated Beneficiary’s birthday. The voucher:

(a) is valid for twelve (12) months;

(b) may be used once, for the Member’s vessel;

(‌c) is not redeemable for cash; and

(d) cannot be replaced if it expires.

4.5 Club Marine offer. The Club Marine offer is provided by Club Marine on its own terms, as set out in the d’Albora App. d’Albora is not responsible for the offer except as set out in clause 14.3 of the Terms.