Concierge Travel Advisors, LLC acts only as an agent for the various independent supplier that provide hotel or villa accommodations, transportation, sightseeing, activities, or other services connected with the trips and tours arranged by Concierge Travel Advisors, LLC. Such services are subject to the terms and conditions of those suppliers. Concierge Travel Advisors, LLC and its respective owners, managers, members, directors, agents, representatives, and assigns accept no liability whatsoever for any injury, damage, loss, accident, delay, or any other incident which may be caused by the negligence, defect, default, of any company or person in performing these services. Responsibility is not accepted for losses, injury, damages, or expenses of any kind due to sickness, weather, strikes, hostilities, wars, terrorist acts, acts of nature, local laws, or other such causes. All services and accommodations are subject to the laws and regulations of the country in which they are provided. Concierge Travel Advisors, LLC is not responsibility for any baggage or personal effects of any individual participating in the tours and/or trips arranged by Concierge Travel Advisors, LLC. Individual travelers are responsible for purchasing a travel insurance policy, if desired, that will cover some the expenses associated with the loss of luggage or personal effects.