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By clicking “agree” on the subscription page, enrolling online, and/or attending classes, events, activities, and other programs of Virtual Studio Space, you hereby acknowledge and agree, on behalf of yourself, your heirs, personal representatives and/or assigns (collectively “you” and/or “yourself”), that (a) there are certain inherent risks and dangers in available programs; (b) you have voluntarily chosen to participate in an intense physical exercise program, cooking class, or other virtual class offering; (c) Virtual Studio Space strongly recommends that you consult with your physician prior to commencing any classes; (d) you have been fully informed of the strenuous nature available exercise programs and the possibility of adverse physiological occurrences including, but not limited to: misuse of equipment leading to injuries, abnormal blood pressure, fainting, heart attack or death; and (e) you assume all risk for your health and well-being, and fully release and hold harmless for any responsibility, cost or damages Virtual Studio Space, its instructors, members and employees for any injury, harm or loss you may suffer, including death, as a result of participation in any activities at or directed by Virtual Studio Space.

If you are enrolling a minor (15-18) years of age, or older if applicable (in the minor’s state of residence), the above release applies equally to the minor. No one under 15 years of age may participate. A minor 15-18 years of age may participate only with a parent or legal guardian present.

Since the terms and conditions of this agreement may change, you should regularly check this posting to ensure you have reviewed and understand its terms and conditions prior to participating in any Virtual Studio Space activity, class, event or program of any kind.


Virtual Studio Space and its employees recognize the severity of the coronavirus pandemic and, as a result, continue to offer individual virtual classes to help reduce the spread of COVID-19; however, Virtual Studio Space cannot guarantee that you, your family, or your guests will not become infected with COVID-19. It is possible that attending classes, events, programs, and/or activities with other people via Virtual Studio Space may place you in close physical contact with other members, attendees and staff and could increase the risk that you, your family members, and/or your guests contract COVID-19. You hereby acknowledge the contagious nature of COVID-19 and voluntarily assume the risk that you, your family members and/or your guests may be exposed to or infected by COVID-19 if you take a class with multiple other people from different households that Virtual Studio Space offers and that such exposure or infection could result in personal injury, illness, permanent disability, and/or death. You understand the risk of becoming exposed to or infected by COVID-19 by classes offered by Virtual Studio Space may result from the actions, omissions, or negligence of yourself or others, including, but not limited to, Virtual Studio Space’s employees, members, and attendees.


By checking “agree” on the subscription page, enrolling online, and/or attending classes, events, activities, and/or other programs you voluntarily agree, on behalf of yourself, your heirs, personal representatives and/or assigns, and any minor child you may enroll: (a) to assume all of the foregoing risks and accept sole responsibility for any injury, illness, damage, loss, claim, liability, or expense, of any kind (including, but not limited to, personal injury, disability, and death) that may occur to you or your family members and/or guests in connection with attendance of a class through Virtual Studio Space or as a result of participation in any of Virtual Studio Space’s classes, activities, events, or programs (“Claims”); and (b) covenant not to sue or otherwise encumber, Virtual Studio Space, its owners, directors, instructors, clients, and employees, from the Claims, including all liabilities, claims, actions, damages, costs or expenses of any kind arising out of or relating thereto, based on the actions, omissions, or negligence of Virtual Studio Space, its owners, directors, instructors, clients, members, and employees.


If you use the Website or the App, you are responsible for maintaining the confidentiality of your account, password, and for restricting access to your computer or device. You agree to accept responsibility for all activities that occur under your account and password.

When you visit the Website, use the App (currently Wix but any subsequent Apps), or communicate with Virtual Studio Space via email, you are communicating electronically. You consent to receive communications from Virtual Studio Space electronically. Virtual Studio Space will communicate with you by email or by posting notifications on the Website and/or the App. You understand and agree that all agreements, notices, disclosures, and other communications that Virtual Studio Space provides electronically satisfy any legal requirement that such communications be in writing.


Virtual Studio Space does not collect any personal information about individuals – such as names and postal codes, home addresses, and email addresses – except when such information is knowingly provided to Virtual Studio Space. Personal information might be obtained from online transactions such as class/membership purchases and/or class registrations. Additionally, personal information may be transmitted as part of a form submission or in connection with other activities or services made available on the Website or App. Any personal identification information retrieved by Virtual Studio Space must be voluntarily submitted by the user. Any information obtained by using the Wix app is not part of Virtual Studio Space in any way and they may have separate terms and provisions separate and apart from these. 

Virtual Studio Space may use the information provided to contact you with important information, required notices, and marketing promotions. A Customer must not have more than one active account at any time. Customers may not distribute, share, transfer or permit their account information, including passwords to be used or accessed by any third party. You must notify us of any changes to your personal information or Payment Method which was provided by you in the Account Creation process. If you suspect or become aware that your account has been accessed without authorization or a breach of security has occurred in relation to your account, you must immediately notify us of this breach by contacting



The Website and App may collect some anonymous information about users automatically when individuals request pages through a browser. This information is used to keep track of the shopping cart and to help us monitor how individuals use the Website and App, which allows Virtual Studio Space to provide an optimal experience and better service throughout the online offerings. The information collected automatically by the server does not contain anything that can identify individuals personally, such as an email or home address. Prior to purchasing a class, class pack or membership option, you must create an account.


Virtual Studio Space makes every effort to ensure that all of the transactions that occur on the Website and App are secure. All credit card numbers and transactions are encrypted through Paypal or Slack. We are concerned about safeguarding the confidentiality of your information. Please be aware that, although we endeavor to provide reasonable security for information we process and maintain, no security system can prevent all potential security breaches.


When a secure connection is established between your browser and a website, any data that is transferred over the connection will be encrypted to prevent it from being viewed by a third party. SSL encryption makes it very difficult for anyone to intercept or decode messages exchanged over this type of secure connection.

Browsers such as Internet Explorer, Firefox, and Safari display an image of a locked padlock on their status bar when connected to a secure site. Google Chrome shows a green locked padlock on the far left side of the status bar when there is a secure SSL connection. Firefox colors the address bar yellow when connected to a secure site. Secure transactions are also indicated when the prefix in the location bar of your browser switches from // or //. The additional ‘s’ stands for ‘secure’ and indicates a secure connection to the Virtual Studio Space website. If you do not see this padlock, if it is unlocked, or if the protocol in the location bar is not listed as //, then any data exchanged with the website is potentially visible to others.

Depending on your browser, you may be able to view authentication information about a secure page by double-clicking on the padlock icon in the status bar. For more information on how your software establishes a secure connection, see the help files for your particular browser. The above is not legal or other information regarding your rights. We make no guarantees for breaches from user end, and other than providing the latest features available through electronic payments.


A cookie is a small text file that is sent to your browser from a website and stored on your computer’s hard drive. Cookies cannot read data from your hard disk or read cookie files that were created by other sites – the website that creates a cookie is the only one a browser will permit to access it.

Like many other websites and applications, the Website and App use cookies to obtain certain types of information. For example, Virtual Studio Space might use cookies to control access to certain features such as your password and account, to customize content areas, or to analyze site activity and user behavior. Virtual Studio Space reserves the right to use cookies in the future in conjunction with new content or expanded functionality.

If you are concerned about the use of cookies, you can explore your web browser’s options to notify you whenever a cookie is set, or to disallow cookies altogether. You should be aware that prohibiting the use of cookies will significantly restrict access to certain types of content or features.



The following are examples of how Virtual Studio Space might use the personal information collected through the Website and/or App:

* If you purchase a Virtual Studio Space class package or membership, sign up for a Virtual Studio Space class, or purchase Virtual Studio Space retail items, the required personal information (similar to that provided during a telephone or mail order purchase) will be used to complete your order.

* If you indicate that you are interested in receiving Virtual Studio Space related news and information, you may receive emails to the email address you provided as part of the registration process.

For the non-personally identifiable information collected throughout the Website or App:

* Aggregate data could be analyzed to describe the collective characteristics and behaviors of online visitors, and subsequently be used to further optimize the effectiveness of the website, the mobile application, and the overall Virtual Studio Space experience.

You can help Virtual Studio Space maintain the accuracy of your personal information by updating your account. Please update this information when you change your address, phone number, or email address. Virtual Studio Space will never share telephone numbers, email addresses, or any personal data with third parties.

Virtual Studio Space reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders, at its sole discretion.


If you are under 18, you may register and use the Website and App only with the involvement of a parent or guardian. Virtual Studio Space does not accept the online registration of minors; please do not attempt to register on the Website if you are under the age of 18. Registration of a minor (ages 15-17) must be completed in person by submitting a request by a parent or guardian to

If Virtual Studio Space discovers that a minor without a signed participant/registration waiver has submitted personal information, Virtual Studio Space reserves the right to delete such information. Virtual Studio Space does not seek or share personal information from minors throughout the Website or App.


To buy an individual class, class package, or membership online, create an account at or login and purchase the desired package or class or plan.

You should be aware that classes and memberships expire, and future prices are subject to change. We accept major credit cards using Stripe and PayPal. You can reserve classes online up to 1 week in advance, and up to one (1) minute prior to class time. You may cancel up to 15 minutes before class starts for a class credit, or if you’re an unlimited member, for no penalty. 

Your credit/debit card will be charged for your order when you submit your reservation. Virtual Studio Space will not process reservation charges that use an incorrect, expired, or over-the-limit credit card. If you fail to pay any fees or charges when due, services or privileges may be suspended or terminated. You shall be responsible and liable for any fees, including attorneys’ fees and collection costs, that Virtual Studio Space may incur in its efforts to collect any unpaid balances from you.

CANCELLATION POLICY: Cancellations must be complete no later than 15 minutes prior to class. If you have an unlimited membership and continue to cancel within 15 minutes of class or fail to show up for more than 3 classes per month, we reserve the right to cancel your membership or reduce the days left on your membership. 

All late cancellations and no-shows will be charged to your account and any credits used will be forfeited. Unlimited Membership holders will be assessed a fee of $15 per incidence for any late cancellation and $25 for no-shows. Package holders will be assessed a $15 fee for no-shows, including the loss of the class session.


Virtual Studio Space has not reviewed all the sites linked to the Website and/or App, and is not responsible for the content or any off-site pages or other linked sites. Although a third party website and/or app may contain the Virtual Studio Space logo, please understand that it is independent from Virtual Studio Space, and that Virtual Studio Space has no control over the content of that website and/or app.

Going to third party or off-site websites from the Website and/or App is at your own risk. These links do not imply endorsement of, sponsorship of, or affiliation with Virtual Studio Space.


The trademarks and trade dress of Virtual Studio Space are proprietary to Virtual Studio Space and may not be used by you for any reasons other than as expressly permitted by these terms. All Website and App content, design, text, graphics, videos and interfaces; the collection, selection, and arrangement thereof; and all software are property of, or duly licensed to, Virtual Studio Space. You have the right to view, electronically copy, and print in hard copy portions of the Website and App for the sole purpose of making class reservations, purchases, or reading and reviewing any terms of service.

Any other use of materials on the Website, including modification, distribution, or reproduction for purposes other than those noted above, without the prior written permission of Virtual Studio Space, is strictly prohibited. This includes sharing of videos, screen recording videos, or any other distribution of videos available on Virtual Studio Space. Violators will be prosecuted to the fullest extent of the law. 

You acknowledge that Virtual Studio Space and/or third party content providers remain the owners of all Website and App materials, and that you do not acquire any of those ownership rights by downloading, copying, or using any such material in accordance with these Terms and Conditions. Virtual Studio Space may discontinue or remove the Website or App, or any portion thereof, or discontinue your right to use the Website or App, or any portion thereof, at any time.

Many of our Products are intangible and may come in the form of ebooks, PDF downloads, resource material, videos or online content. All of these Products are subject to copyright protection. These intangible Products remain the property of Virtual Studio Space. Once an Order has been completed and a Customer has discharged their obligations to pay or continue to pay for a subscription, Virtual Studio Space grants to the Customer a single License to use the Product subject to these Conditions. Intangible Products are the subject of a license to the Consumer and are not sold to the Consumer. The Consumer has no right to lend, copy, distribute, share, lease, edit, on sell, modify, create derivative works of the Product, transfer or trade the Product in any form. Virtual Studio Space may encrypt, force password and/or stamp license details (including customer name, address etc) on its digital Products to protect our Products.



You are not authorized without the prior written permission of Virtual Studio Space to use any computer code, data mining software, “robot,” “bot,” “spider,” “scraper” or other automatic device, or program, algorithm or methodology having similar processes or functionality, or any manual process, to monitor or copy any of the web pages, data or content found on this Website and/or App or accessed through this Website and/or App. You also may not engage in the mass downloading of files from this Website and/or App; use the computer processing power of this Website and/or App for purposes other than those permitted above; flood this site with electronic traffic designed to slow or stop its operation; or establish links to or from other websites to this Website.


Users are not authorized to sell, reproduce, distribute, modify, display, publicly perform, report or otherwise prepare derivative or second hand works based on any of Virtual Studio Space material in any way for any public or commercial purpose. Thus, you are not authorized to (i) resell or make commercial use of this site or its contents; (ii) collect or use any product listings, descriptions, photographs or prices displayed on this Website and/or App in connection with the sale or resale of any Virtual Studio Space products or for other commercial purposes; or (iii) create, reproduce and/or distribute any materials derived from the content provided on this Website and/or App. Furthermore, Virtual Studio Space material may not be displayed or communicated on any other website and/or app, in a networked computer environment or other digital support for any purpose whatsoever. In the event of breach of any of these Terms, User’s permission to use Virtual Studio Space material will automatically terminate and any copies made of Virtual Studio Space material must be immediately destroyed.

Any unauthorized use of Virtual Studio Space material may violate state and federal criminal laws, infringe copyright laws, trademark laws, the laws of privacy or publicity, and communication regulations and statutes.


In no event will Virtual Studio Space be liable for any direct, indirect, special, or other consequential damages resulting from your use of their facilities, the Website, the App, or on any other linked/third-party website, including without limitation, any lost profits, business interruption, loss of programs, or other data on your information handling systems or otherwise, including any claims waived by you previously in this agreement even if Virtual Studio Space expressly advised of the possibility of such damage.

All information is provided by Virtual Studio Space on an “as is” basis only. Virtual Studio Space provides no representations and warranties, express or implied, including the implied warranties of fitness for a particular purpose, merchantability, and non-infringement.


This agreement is governed by the laws of the State of Illinois, without regard to Illinois’s choice of law provisions. Any claim arising out of your use of this Website or App must be brought in Cook County, Illinois.


Occasional changes may be made to this document as new services, programs and/or content to Virtual Studio Space’s Programs (including but not limited to courses, the Website or App) to reflect changes in Virtual Studio Space policies. The Terms and Conditions may be revised at any time by updating this posting. By using Virtual Studio Space’s facilities, the Website or App, and attending classes you agree to be bound by any such revisions. Users are encouraged to check this document periodically to stay informed of current privacy guidelines.


LATE ARRIVALS: For safety reasons and to ensure everyone is properly warmed up, please be on time for class. Any vacancies may be given to waitlist participants 5 minutes before the session begins. Virtual Studio Space reserves the discretion of whether or not to admit a participant after the class has started. 

WAITLIST POLICY: If you are unable to get in a class you desire because it is fully booked, we highly recommend putting yourself on the waitlist. You must purchase or have an active class package or membership before you can reserve a spot on the waitlist. If you don’t receive a spot in your desired class, a class credit will remain in your account for use on future classes; the cost of the class is not refundable.

If a spot becomes available for which you have been waitlisted before the reservation window closes, you will automatically be enrolled. You will receive an email confirming your enrollment into the class from the waitlist. If you are no longer interested in a class for which you are on the waitlist, you must remove yourself from the waitlist (online or by calling the studio and speaking with someone live) or you risk being charged whether or not you attend.

PURCHASE & REFUND POLICY: Classes and instructor assignments are subject to change. Pricing is subject to change without notice. All class packages are non-transferable and non-refundable; there are no exceptions. Single classes expire 30 days and 5 class packages expire 45 days from date of purchase. 10 class packages expire 3 months from the date of purchase. Unlimited memberships are activated at the time of purchase. Class participants must be 18 years of age or older unless otherwise noted. No one under the age of 15 is allowed to do a class on Virtual Studio Space without parental/guardian supervision. 

Subscription Charges:

  1. Subscriptions will continue month to month until terminated. Unless the subscription is cancelled before the monthly renewal date, the following month’s fees and charges will be charged to your nominated Payment Method.

  2. The subscription fees and charges will be billed on a monthly basis to your Payment Method on the commencement day of your first paid subscription.

  3. Virtual Studio Space reserves the right to vary the fees charged for our subscription-based Products from time to time. If fees are varied through the exercise of this right, then Virtual Studio Space will inform you of any such variation and provide you with one month’s notice of any such change.

  4. If you do not agree to this variation, you may cancel your subscription within 14 days of the changes coming into effect; you agree that this will be your only remedy with regards to a variation of our subscription charges. If you do not choose to cancel your subscription within 14 days of the change coming into effect, you will be deemed to have accepted the variation.

  5. Upon your subscription to the Product, unless you notify us otherwise, you agree to subscription fees and all other charges relating to the subscription being billed automatically each month to the nominated Payment Method provided by you during the Order process.

  6. You must notify Virtual Studio Space of any change to your Payment Method. If you do not notify us of any such change, then Virtual Studio Space will assume that the details of your Payment Method remain correct and will continue to bill any fees or charges relating to your subscription to your nominated Payment Method.

  7. If any subscription fees or charges billed to your account, are not processed for any reason, then Virtual Studio Space will have the right to suspend your subscription until all fees and charges have been paid in full.

  8. You agree to pay all costs, including legal fees on a full indemnity basis, which are incurred by Virtual Studio Space in collecting any unpaid subscription fees or charges from the Customer.

  9. Subscription fees will apply regardless of whether or not you use your subscription.

  10. Subscriptions will rollover to full-priced monthly membership at the end of all promotional trials, discounts, offers or coupons unless the subscription is cancelled before the end of the promotional period. The following month’s fees and charges will be charged to your nominated payment method. Rollover subscriptions will continue month to month until terminated.

  11. Physical Products

    1. Virtual Studio Space reserves the right to modify or change Product specifications as required in order to improve our Product range and availability. We recommend that you immediately inspect any Product upon delivery to you to ensure that you are completely satisfied with the Product.

    2. Title and risk of tangible Products pass to you on receipt or delivery of the Product to the nominated address. 

  12. Order Cancellation:

    1. Virtual Studio Space reserves the right to accept or reject any Order for any reason including if the Product is unavailable, an error has occurred in your order, the Product description or price has been incorrectly posted on the Site or for any breach of these Conditions.

    2. If we reject an Order placed by the Customer, we will attempt to notify you of that rejection within a reasonable time after your Order has been submitted.

    3. If we suspect that a transaction has occurred that may be illegal or in breach of these Conditions, we may contact you to confirm your payment and personal details. If we are unable to contact you we may cancel your Order without further notice.

  13. Adjustment of Order Information

    1. All Orders are considered final at time of placement. Please check your details carefully before submitting your Order. Should you need to make an adjustment to your Order, please contact immediately. Once an Order is placed, there is no guarantee that it can be altered or changed.

    2. Please note contacting carriers directly is the responsibility of the Customer.

  14. Sales Policy and Third Party Gateways

    1. All transactions for purchase of our Products are made through payment gateways such as Stripe.

    2. Once you successfully complete a purchase you will be redirected back to our site or you will receive an email from us with a link to the Product of your purchase;

      1. If for whatever reason you are not redirect or you do not receive an email, please contact us with your transaction details, including the email ID through which the payment was made. We will revert back to you with your Product details and download link as soon as practicable.

    3. All purchases for digital downloads made on are non-refundable or exchangeable. In the case where a purchase error is made please contact us via to discuss a resolution.

  15. Payment And Currency Disclaimer

    1. All transfers conducted through Virtual Studio Space are handled and transacted through a third party dedicated gateway called PayPal or Stripe (

    2. Please read the terms & conditions for the payment gateway chosen for the transaction as they are responsible for any transactions made and are liable for any loss or damage you may suffer as a result of using the third party payment gateway.

    3. All payment amounts are represented in USD as this is the currency of our host country. Stripe and PayPal do not provide converting transactions prices.

  16. Payment Methods:

    1. Payment accepted by credit card, debit card, gift cards and PayPal.

    2. Subject to the terms and conditions of third parties. 

    3. In order for you to place an Order for one of our Products, you must submit valid payment details nominating a Payment Method. Valid payments will be processed once your order has been accepted by Virtual Studio Space.

  17. Tax, duty and customs charges

    1. Customers may be required to pay sales tax, duty and/or custom charges. 

    2. All Taxes and customs charges are the responsibility of the customer and are not included in the cost of the Order or shipping charge. Taxes and customs charges differ depending on the state of the shipping address. Virtual Studio Space is not responsible for any additional taxes and customs charges that are requested during the shipment or delivery of your Order.

    3. Any costs incurred by us in shipment or delivery of our products to you will be charged to your Payment Method.

  18. Privacy Policy

    1. Our Privacy Policy is available on our Site and forms part of these Terms and Conditions.

    2. By accessing and using our Site you acknowledge and agree to our Privacy Policy.

  19. Returns Policy

    1. Our Returns Policy is available on our Site and forms part of these Terms and Conditions. Our Returns Policy covers returns, reporting of faulty Products, complaints, damaged or lost Products.

    2. By accessing and using our Site you acknowledge and agree to our Returns Policy.

    3. If you wish to make a return please contact our Support Team as soon as possible.

  20. Disclaimers

    1. None of our employees hold medical or dietary qualifications and we are not a licenced medical care provider. We have not expertise in diagnosing, examining or treating medical conditions of any kind. Fitness instructors and other instructors, speakers, members, and representatives of Virtual Studio Space may not be certified or licensed and you are not receiving legal, medical or other advice. All information provided on or through Virtual Studio Space is for recreational purposes only. You recommend a consult with a doctor prior to using Virtual Studio Space. 

    2. We strongly recommend that you consult with you doctor before beginning any dietary or exercise program particularly if you have a personal or family history of high blood pressure, heart disease, chest pain, smoking, high cholesterol, obesity, bone or joint problems or if you are pregnant.

    3. Dietary Requirements

      1. Any Guidelines and Virtual Studio Space Recipes or Guides  are not formulated to suit any nutrient deficiencies, allergies or any other food related health problems. Please contact your doctor or a dietician prior to purchasing if you are unsure whether this Product is suitable for your dietary needs. In addition they are not formulated to suit the nutritional needs of pregnant or breastfeeding women. If required, we recommend visiting an Accredited Practicing Dietitian to help tailor a program specific to you and your baby’s needs. If you are no longer breastfeeding, please seek approval from your doctor before commencing the any Virtual Studio Space guides or programs and/or the Virtual Studio Space Guides.

      2. Please contact your doctor or nutritionist prior to purchasing if you are unsure whether any available or suggested Product is suitable for your dietary needs.

    4. Fitness

      1. If you have any concerns or questions regarding your health you should always contact your doctor. If you experience faintness, dizziness, pain or shortness of breath at any time you must stop the physical activity immediately and contact your doctor before resuming.

      2. The content of our Site is not intended to replace or be a substitute for professional medical advice diagnosis or treatment. All content of our Site has been created for information purposes only.

      3. You must be in good physical condition before using any of our Products (including live, on demand, or PDF classes) whether tangible or intangible.

      4. Before using our Product you acknowledge and agree that by participating in physical activity there exists the possibility of physical injury. If you engage in any exercise in connection with any of our Products, you agree that you do so at your own risk.

    5. You agree to discharge Virtual Studio Space of all liability for any and all claims and causes of injury including for any and all injury, loss or damage of whatsoever nature including; personal injury, data or loss of income to the extent permitted by the law of the State where negligent or otherwise.

  21. Indemnity

    1. You agree to indemnify us on a full indemnity basis, from any and all third party claims, liabilities, expenses, including solicitor/client costs, that may be incurred or suffered as a result of any breach of these Conditions by you or any third party damage caused as a result or in connection with any breach by you of these Conditions.

    2. You agree to indemnify us from any claim, liability or expense arising from an injury or health problem that may arise from the use of our Products.

  22. Severability

    1. If any court or other competent authority declares any part of these Conditions unenforceable or if these Conditions would, if any part were not omitted, be unenforceable then:

      1. That part will, without in any way affecting the enforceability of the remainder of these Conditions, be severable and these Conditions is construed as if that part were not contained in these Conditions; and

      2. The parties must attempt to renegotiate that part in good faith.

  23. General:

    1. You agree that we will charge you for any Product ordered through your account.

    2. You are liable and responsible for any person who uses your account to place Orders through the Site.

    3. You should be mindful of any request for credit card or account information. Providing information to these types of requests can result in identity theft.

    4. Virtual Studio Space reserves the right to amend any information, including but not limited to prices, technical specifications, terms of purchase and product offerings without prior notice. 

    5. You are responsible for any costs associated with accessing the Site.

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