It sounds like you might have misunderstood the CYOA policy and Covid cancelation offer. While the deposit might not be refundable, it can be applied to a future charter. We found CYOA to be immediately responsive and very accommodating in working through the two charters we had booked with them. On one, since we were just a month and a half from the charter start, they held our deposit and we applied it to a future charter (now already taken) and on the second charter we paid a nominal fee to reschedule since we were more than 90 days from our charter start. I found Sarah super helpful and clear on what our options were. You might want to call Sarah and ask for clarification.