Please read the following ‘Terms of Use’ before accessing or using this Site. 
Acceptance of Terms:
The following ‘Terms of Use’ constitute a legally binding agreement and the use of this Website and purchase of Products and/or Services are subject to this agreement.  By accessing or using Virtual-Meditation.Com in any way, including using any Products and/or Services, downloading information, or simply browsing the Site, you agree to and are bound by the terms and conditions set forth in this document and in any changes to this document that may be published from time to time.  If you do not agree to all of the terms and conditions set forth in the Terms of Use, do not access or use this site.  By agreeing to use Virtual-Meditation.Com and providing personal information, you acknowledge reading the Privacy Policy and Terms of Use and agree with its terms including the collection, use, and disclosure of such information.  John Fraser Services Inc. may change the Terms of Use of this Site from time to time at its sole discretion.  Your continued access or use of Virtual-Meditation.Com, or any Products or Services, constitutes your acceptance of the changes.  Please check the Terms of Use regularly to view the then-current terms.  If you breach any of the Terms of Use, your authorization to access or use Virtual-Meditation.Com, Products or Services may be terminated. When using Products or Services, you will be subject to any posted guidelines and/or rules applicable to such Products or Services, in addition to the Terms of Use. Certain Products and Services will only be made available to users who have paid John Fraser Services Inc. a fee for such Products and Services. Such users may additionally be required to enter into a subscription agreement or other use agreement for that particular Product or Service. John Fraser Services Inc., in its sole discretion, may (but has no obligation to) monitor or review the Products and Services at any time. John Fraser Services Inc. may at any time without notice and in its sole discretion: (a) update, modify, or terminate a Service, access to or use of any Materials or an area of the Site where Materials are posted or submitted; and (b) disclose any information related to your use of a Product or Service, or the substance of any of your posted or submitted Materials, as John Fraser Services Inc. deems necessary to comply with applicable law, regulation, or legal process. You agree to use extra care when disclosing any personally identifiable information about yourself or your children in any Services or when you post or otherwise submit any Materials. If you purchase a Membership to Virtual-Meditation.Com you will be required to establish an account in connection with this Service, and you must complete the designated registration process for such Service. All required registration information that you provide must be current, complete and accurate and kept up to date on a prompt, timely basis. You must also choose a user name and password for such account. It is your sole responsibility to keep your user name and password and other sensitive information confidential. If you become aware of any unauthorized use of your account or any other breach of security, you shall notify John Fraser Services Inc. immediately. By accessing or using this Site and setting up a password-restricted account for Products or Services, you accept all risks of unauthorized access to such information.  
Copyright/Permission to Reproduce:
Unless otherwise noted, the content of Virtual-Meditation.Com is for visitor's personal and non-commercial use. The materials and images on Virtual-Meditation.Com are protected by copyright. Unless otherwise noted, text on this website may be reproduced for non-commercial personal purposes only.  
Warranties and Disclaimers:
Virtual-Meditation.Com undertakes reasonable efforts to provide accurate and current information, but assumes no responsibility for omissions and inaccuracy of website materials. The mention of specific Products or Services on this website does not constitute or imply a recommendation or endorsement.  John Fraser Services Inc. assumes no responsibility or liability for any claims of direct, indirect, special, incidental, consequential, or other damages based on any use of Virtual-Meditation.Com or any other website to which this site is linked.  The information and services provided on Virtual-Meditation.Com may not work for everyone and may result in varying levels of success. Virtual-Meditation.Com, Products and Services, are provided by John Fraser Services Inc. under these terms of use "as is" without warranty of any kind, either express, implied, statutory or otherwise. Without limiting the foregoing, John Fraser Services Inc. makes no warranty that (i) the Site, Products or Services will meet your requirements; (ii) the Site, Products or Services will be uninterrupted, timely, secure, or error-free; (iii) the results that may be obtained from the use of Virtual-Meditation.Com, Products or Services will be effective, accurate, or reliable; (iv) the quality of Virtual-Meditation.Com or any Products or Services purchased or accessible by you will meet your expectations.  Views and opinions expressed in the members’ only forum, Enlightenment Inspiraitons, do not necessarily reflect the views of Virtual-Meditation.Com.  John Fraser Services Inc. may make changes to Virtual-Meditation.Com, Products or Services including the prices and descriptions of any products listed, at any time in its sole discretion and without notice. The use of Virtual-Meditation.Com, Products or Services is done at your own discretion and risk and with your agreement that you will be solely responsible for any damage to your computer system, loss of data or other harm that results from such activities. John Fraser Services Inc. assumes no liability for any computer virus or other similar software code that is downloaded to your computer from Virtual-Meditation.Com or in connection with any Products or Services. No advice or information, whether oral or written, obtained by you from John Fraser Services Inc. or via the Site, Products or Services shall create any warranty not expressly stated in the Terms of Use. John Fraser Services Inc. will not be liable for any loss that you may incur as a result of someone else using your password or account with respect to Virtual-Meditation.Com, Products or Services, either with or without your knowledge.  
Limitation of Liability:
In no event shall John Fraser Services Inc., its officers, directors, employees, or suppliers be liable to you or any third party for any damages or losses of any kind, whether or not foreseeable or if John Fraser Services Inc. has been advised of the possibility of such damages or losses. Law and Jurisdiction:The use of Virtual-Meditation.Com is subject to the laws of the Province of British Columbia, Canada. 
Refund Policy:
If within 48 hours of activating your membership, you are not satisfied with the services being offered by Virtual-Meditation.Com you may request a refund by contacting John Fraser Services Inc. within the time frame mentioned above.  When this timeframe has passed, refunds are no longer available; however, you may still unsubscribe from any services being offered and/or cancel your membership at any time.  Refunds will be issues within 15 days of receiving the notice of cancellation.