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Are you shooting mini sessions? Family portraits? Or maybe people and pets? Then you need this. Why? When you are a photographer, you are the boss, the creative, the visionary! Well, do your clients know that? Do they understand there are no refunds? That your editing is at your own discretion? That they are not the boss? What about the props they just have to have (hi there floppy hat)? That is why you need this agreement.