In my school, there was no face contact below the black belt level. You could strike to the sides and back of head (and head gear was required), and you could direct strikes to the face and gain points if they showed that you COULD have struck but pulled it--actual contact means you drop for pushups, or worse, if you actually injure someone. We used, I believe, the dipped foam sparring gear for the most part, and I never saw any injuries. I'd avoid a school (personally) that allowed face contact from the beginning, and definitely talk to an instructor about any injuries I got at the hands of a black belt. As an intermediate student sparring with a beginner, I would definitely avoid hitting them repeatedly in the face--I want to help them learn what sparring is about, and figure out how to start controlling their techniques, not scare them off (via injuries, or otherwise)!