For individuals, a retainer of $180 + GST ($207 including GST) is due when your booking is confirmed. Bank details will be sent to you. It is non-refundable but may be transferred to a new date if necessary, based upon availability. The retainer paid is deducted from your final invoice. Files are delivered digitally via WeTransfer. Catherine Cattanach Photography retains legal copyright of all images but licences them to you for both personal and business use.