Yes. I require a signed contract before booking and cancellation fees are included in my contract. I try to be flexible with these whenever possible. The retainer, on the other hand, is meant to hold your date and cover any loss from holding said date and is not refundable in the event of a cancellation. If you’ve made payments and cancel before all services are complete, you may be eligible for a refund after the retainer and any potential cancellation fees are covered. However, if the shoot has taken place and you’ve downloaded the images, that session is no longer eligible for a refund. That said, I do understand financial struggle and I will try to accommodate if possible, but please understand that having a cancellation after holding a date & all the work proceeding a shoot, only to lose that income is a major loss for a small business run by one, human person.