Terms of the Agreement
1. Dues Membership $/Month: Indicated Amount *By paying the DUES LOCK-IN FEE, Curl Fitness guarantees your dues will NEVER increase.
2. Dues Membership Automatic Billing Start Date Indicated Date.
3. Dues to be billed on the same day of each month beginning on the date in paragraph 7, which covers usage through the day before the Automatic Billing Date of the following month (Monthly Billing Cycle).
4. Annual Fee of the indicated amount will be charged on the indicated date and the same date each year following for you (and an additional annual fee of the indicated amount for each add-on Member and child to your Membership) by electronic funds transfer (EFT) or credit card, regardless of the date of this Agreement (unless canceled within the cancellation period stated in paragraph 19 or 20 below).
5. 12 Month Term Membership Expiration Date: Indicated Date. Member acknowledges and agrees that on the expiration date stated, this Membership will automatically revert to a month-to-month Membership which can be terminated at any time in accordance with paragraph 15 below.
6. Paid in Full Membership (PIF) Number Months (Max. 36 months): Indicated Number of Months Total: Indicated Amount (Max. $1,499.00)
7. Paid in Full Membership Expiration Date: Indicated Date Guaranteed renewal amount if lock-in fee paid: Indicated Amount
8. Paid in Full membership with automatic renewal; renewal payment will be due on the indicated date for the amount of the indicated amount and will continue as indicated until Member terminates this Membership in accordance with paragraph 15 below.
FEES/DUES NOTE: All of the above dues and fees in paragraphs 1 through 13 are general operating revenue for the club organization and may be used or applied for any business purpose.
9. Fees and dues are non-refundable unless stated otherwise in paragraphs 15, 19, 20, 26 and 32 of this Agreement.
10. Termination of Dues Membership: Member may notify Curl Fitness, in writing, at any time, of its desire to terminate this membership. After Curl Fitness receives Member’s written notice, one more automatic billing will occur on the Automatic Billing Date stated in paragraph 7. Member’s privileges will continue for 30 days beyond the date of the last automatic billing. If Member paid the last month’s dues upon joining (as shown in paragraph 4), Member may elect to either continue its membership privileges for an additional 30 days (a total of 60 days beyond the date of the last automatic billing), or, if Member has fully paid all obligations, request a refund of the amount indi- cated in paragraph 4. All refunds must be requested on or before Member’s last Automatic Billing Date. If Member has a 12 month term membership and terminates this Membership prior to the expiration date set forth in paragraph 10 above, Member agrees to pay a termination fee of $99.00. If Member ter- minates a 12 Month Term Membership prior to the expiration date set forth in paragraph 10 above for any of the reasons set forth in paragraphs 19, 20, 26 or 32, no termination fees will apply.
11. Notice of termination is considered given, if by mail when postmarked, by email from an email address on file with Curl Fitness, or if by hand by filling out a cancellation form at the Curl Fitness’s place of business indicated on this Agreement. Such notice should be sent to your original club of enroll- ment. Verbal cancellations will not be accepted.
12. Unless Member has paid for a Dues Lock-in-Fee, Member agrees a Dues Membership may or may not, at the option of Curl Fitness, be increased $50.00 per month annually. If Curl Fitness increases your monthly Dues Membership, you are entitled to notice of that increase at least 10 days before said payment is due, however, by executing this Agreement, you choose to waive prior notice and only receive notice when the monthly Dues Membership payment increases by more than $50.00 from the most recent payment.
13. By signing this paragraph, Member authorizes Curl Fitness (and/or its service providers) to send text, email and/or pre-recorded phone messages to Member at the telephone or email address provided in this agreement for purposes of advertising, promotions, issues pertaining to Member’s account, and informational calls (“Messages”). Member consents to receiving these Messages via an automatic telephone dialing system or an artificial pre-recorded voice message. Member acknowledges the right to “opt-out” from receiving these Messages by following the steps provided in each Message and further acknowledges that they are not being required to execute this consent (directly or indirectly) as a condition of purchasing any goods or services. Standard text rates may apply.
Member’s Right to Cancel/Length of Contract Term
14. You, the buyer, may choose to cancel this agreement at any time prior to midnight of the FIFTH business day of the health studio after the date of this agreement, excluding Sundays and holidays. To cancel this agreement, mail, email, or deliver a signed and dated notice that states that you, the buyer, are canceling this agreement, or words of similar effect. The notice shall be sent via first-class mail, via email from an email address on file with the health studio. or delivered in person to: Curl Fitness, 2710 Geer Rd, Turlock, CA 95382; email: 205turlockca@curlfitness.com.
15. If you paid any money under this Agreement prior to the Club opening for business, you also have the right to cancel the Agreement at any time prior to midnight of the FIFTH business day (or as set forth above) after the date the Club opens for business. Any refund shall be paid within 10 days of receipt of notice of cancellation.
You are accepting and signing this Agreement electronically. You agree that your signature is the legal equivalent of your manual signature on this Agreement. You agree to be bound by the terms and conditions of this Agreement including the Warranty of Physical Fitness and Waiver and Release of Liability in Paragraph 22 and acknowledge receipt of a copy of this Agreement.
LENGTH OF TERM OF CONTRACT:
Monthly billing will continue for up to one month following Curl Fitness’s receipt of Member’s Notice of Termination. Membership and access may be valid for up to three months following Curl Fitness’s receipt of Member’s Notice of Termination. See Paragraph 15 for details.
12 Month Term Membership membership is for 12 months. Termination fees may apply. See Paragraph 15 for details.
Paid In Full Membership – Number Months: Indicated Number of Months (Max. 36 months)
Paid in Full Membership – Auto Renewal. See Paragraph 13 for details. PLEASE ATTACH A VOID OR BLANK CHECK • REQUEST FOR PREAUTHORIZED PAYMENT
I/We hereby authorize ABC Fitness Solutions, LLC (“The Company”), Sherwood, AR 72124, to draw (checks, electronic fund transfers, charge card) for the purpose of paying said payments, including any late fees or service fees, on the account of.
By signing below, Member hereby authorizes Curl Fitness to either initiate automatic debit entries to my (our) bank account, or charge my debit or credit card, on a monthly basis beginning on the date in paragraph 7 above and yearly on the date in paragraph 9 or 13 above and in the amount stated in paragraphs 6, 9 and 13 respectively. Member further authorizes Curl Fitness to electronically debit, or charge my debit or credit card for any past unpaid dues amounts and for any increase in dues amounts pursuant to this agreement. Member agrees a Dues Membership may or may not, at the option of Curl Fitness, be increased $50.00 per month annually. If Curl Fitness increases your monthly Dues Membership, you are entitled to notice of that increase at least 10 days before said payment is due; however, by executing this preauthorization, you choose to waive prior notice and only receive notice when the Dues Membership payment increases by more than $50.00 from the most recent payment.
Member has given Curl Fitness a voided check or credit or debit card with the required bank information and account numbers. Member authorizes his/her bank account to be debited, or the debit or credit card charged up to seven (7) days before or after the Auto- matic Billing Date identified in paragraph 7 above, or paragraph 9 or 13. This authorization is to remain in full force and effect for thirty (30) days after Member’s privileges expire. Alternative Payment Method: If Member has provided Curl Fitness with an alternative pay- ment method as indicated below, Member agrees and authorizes Curl Fitness to charge Member’s alternative payment method with any amounts Member may owe, including membership dues, annual fees and retail merchandise. Member may revoke this alternative payment method at any time by providing written notice to Curl Fitness’s place of business set forth in paragraph 15. INITIALS:
Subject to the following conditions:
(1) The items outlined in Your Membership Agreement (monthly dues, annual fees, enrollment fees, etc.) shall be drawn on or about the date or dates set forth in the Membership Agreement. By signing below, You authorize the Company to draft via EFT said amounts from the account or card identified herein. The transactions on Your bank, debit, or credit card statement shall constitute receipts for payment on Your account.
(2) One-Time Transfers: When You provide a check as payment, You authorize the Company either to use information from Your check to make a one-time EFT from Your account or to process the payment as a check transaction. When the Company uses information from Your check to make an electronic fund transfer, funds may be withdrawn from Your account as soon as today’s date.
(3) If the regular payments set forth in the Membership Agreement should vary in amount, You are entitled to notice at least 10 days before each payment of when it will be made and how much it will be. However, by executing this preauthorization, You choose to instead get this notice only when the payment would differ by more than $50.00 from the most recent payment You have made.
(4) By executing this Agreement, You acknowledge Your awareness that certain disclosures required by the Electronic Funds Transfer Act and its regulations are available for Your review at the Company’s website: www.abcfitness.com under Terms of Service.
(5) The privilege of making EFT payments under this arrangement may be revoked by the Company if any item is not paid upon presentation.
(6) If this preauthorization payment arrangement is revoked for any reason, this does not release You from Your obligation under Your Membership Agreement.
(7) If any payment is not paid upon presentation to Your bank or credit/debit card company for any reason, a service fee will be assessed and drafted. A late fee will be assessed and drafted should any monthly payment become past due.
(8) By executing this Agreement, You authorize Club and Club’s agents, including its third party payment processing companies (“Club’s Agents”), to store the account or card information provided by You on or in relation to this Agreement and/or Your Club Membership Agreement (“Club Agreement”), as well as any other account or card information provided by You through any means to Club or Club’s Agents (including information provided in person, online or over the phone) for purposes of making any payment in relation to this Agreement and/or Your Club Agreement (hereinafter, “Payment Information”). Club and/or Club’s Agents will use the stored Payment Information to process payment of all dues, fees, taxes, purchases and incidental charges that are due or will become due, including all items on the Payment Schedule, fees identified in Your Club Agreement, membership-related obligations, retail transactions, personal training purchases, group exercise purchases, childcare fees, or other purchases. Club and/or Club’s Agents may also use the stored Payment Information to process payments owed in relation to all subsequent Agreements entered between You and Club. The fixed dates or intervals on which transactions will be processed and the transaction amounts (including all associated fees, taxes, and charges) and/or a description of how they will be calculated are more specifically set forth in the Payment Schedule and other terms of Your Club Agreement. If Your Club Agreement will automatically renew at the end of the Term defined therein, the stored Payment Information will be used to process payments owed in relation to the renewal term. This consent to store Payment Information will not expire unless it is expressly revoked. The general cancellation and refund policies provided in Your Club Agreement will apply to this consent. If any changes are made to the terms of this consent, an e-mail notifying You of such changes will be sent to the e-mail address provided by You on the face of Your Club Agreement or, if an e-mail is not provided, notice will be sent to the mailing address provided on Your Club Agreement.
(9) This preauthorization payment arrangement shall apply to the following Applicant(s): If the Member is paying monthly dues by electronic funds transfer (EFT), the club’s billing company, ABC Fitness Solutions, LLC, reserves the right to draft via EFT all amounts owed by the member including any and all late fees and service fees. Subject to appropriate State and Federal Law.
Member affirms, acknowledges and attests that Member’s mailing address, telephone number, cellular telephone number and e-mail address provided on the face of this agreement are accurate and were provided by Member voluntarily. Subject to applicable law, Member agrees that Curl Fitness and ABC Fitness Solutions, LLC, including its agents, affiliates, and vendors, not limited to its debt collection agencies or attorneys, may contact Member at any mailing address, telephone number, cellular telephone number or e-mail address, set forth on the face of this agreement, or subsequently provided by Member to Curl Fitness and/or ABC Fitness Solutions, LLC, including via SMS and automated dialing system and/or prerecorded voice messages. You further acknowledge that you are not required to provide this consent, directly or indirectly, as a condition of purchasing any goods or services and that all contact information provided by you above is accurate. If you reply STOP to opt out of text alerts, the opt out will apply to text alerts only.
Collection of Your Personal Information. ABC collects information about you that is provided in conjunction with your purchase of services from one of ABC’s health club clients, including information provided on your health club membership agreement(s) and personal training agreement(s). Information about you is typically obtained from the agreement you sign with the club from whom you purchase services. Your personal information may also be collected from you when you provide information directly to ABC in any manner, or when you update account or contact information at the club or online. The information ABC collects about you may include your name, postal address, email address, phone numbers, bank account or credit card information, audio recordings of phone calls with you or made in relation to your account, photographs voluntarily taken at the club, and e-mail correspondence with you or in relation to your account. ABC collects such personal information about you for the purpose of processing and collecting payments owed by you to the club, to contact you in relation to your health club account, and to otherwise provide third party payment processing and administrative services to your club. ABC uses information it collects to communicate with health club members, collect payments owed to its health club clients, and maintain up to date account information for members. ABC’s Privacy Policy is available at https://www.abcfitness.com/privacy-policy/.
E-SIGN Consent. Certain laws and regulations may require Curl Fitness and/or ABC Fitness Solutions, LLC, to provide Member with written notices and disclosures on paper. With Member’s consent, this information may be provided to Member electronically. Member’s consent hereto shall apply to each and every disclosure, notice, agreement, statement, term and condition, and any other information (collectively, the “Documents”) that Curl Fitness and/or ABC Fitness Solutions, LLC, may provide Member. Member’s consent to receive the Documents electronically shall continue until expressly withdrawn by Member. Notwithstanding, Member may request a paper copy of all electronic Documents by contacting Curl Fitness and/or ABC Fitness Solutions, LLC, and requesting a paper copy. Member may withdraw its consent at any time by notifying the customer service department of Curl Fitness and/or ABC Fitness Solutions, LLC. Upon withdrawing consent, Member shall no longer receive the Documents electronically. Member acknowledges that withdrawing consent may result in additional fees for Member’s receipt of the Documents. Member agrees to maintain a valid email address with Curl Fitness and/or ABC Fitness Solutions, LLC, and to promptly notify Curl Fitness and/or ABC Fitness Solutions, LLC, of any changes to Member’s email address. If Member has provided another type of electronic contact information, such as a phone number, then Member may change that contact information by contacting the customer service department of Curl Fitness and/or ABC Fitness Solutions, LLC. To access, view and receive the Documents electronically, Member agrees and acknowledges that it must have: (i) a computer, mobile device, tablet or smartphone, (ii) a version of internet browser software that is up-to-date and supported by Member’s electronic device, (iii) an internet connection, (iv) software that is capable of accurately reading and displaying electronic PDF files, (v) a computer or electronic device operating system capable of supporting the items above, and (vi) a printer or electronic storage device if Member desires to print any electronic Documents. Member acknowledges that it may also need a certain brand or device that can support applications intended for Member’s electronic mobile devices, tablets and smartphones. In the event the required software or hardware is modified in such a way that would create a material risk to Member to access the Documents electronically, then Curl Fitness and/or ABC Fitness Solutions, LLC, will notify Member following such material modification. By accepting the terms of this Agreement, Member does hereby agree to the terms and conditions of this paragraph and consents to the same. Member does also confirm that Member has the software and hardware described above, that Member has the means necessary to access, view and receive the Documents electronically, and that Member has provided a valid and active email address to Curl Fitness and/or ABC Fitness Solutions, LLC.
ADDITIONAL TERMS AND CONDITIONS OF THIS MEMBERSHIP AGREEMENT:
17. Warranty of Physical Fitness and Waiver and Release of Liability: The Member listed on this membership agreement warrants that he/she is in good physical condition and has no disability, impairment or ailment that would be adversely affected by participation in an active or passive physical conditioning program, whether supervised or unsupervised, or by use of Curl Fitness’s facilities, equipment or services. Member acknowledges that participation in such programs and use of such facilities and equipment by their nature necessarily involves some risk of physical injury even for persons in good physical condition and who are free of disability or impairment. Member also agrees that selection of any program of exercise and use of equipment is solely the choice of the Member. Accordingly, Member expressly agrees that his or her use of the facilities of Curl Fitness and its equipment is undertaken at the Member’s sole risk and neither Curl Fitness nor any affiliated club nor its or their employees, owners, officers, agents or contract service providers shall be liable under any circumstance for any injury, damages or loss suffered by the Member on account of his or her use of the Curl Fitness or affiliated club facilities or equipment or participation in any fitness program, whether supervised or unsupervised, whether on or off of premises of Curl Fitness or any affiliate club. Curl Fitness urges you and all Members to obtain a physical examination prior to commencing any program of active physical exercise. Member acknowledges and agrees that Curl Fitness has made no representation or claims to the Member that any conditioning, weight loss or improvement in a medical or physical condition will occur as a result of use of the Curl Fitness facility and equipment or participation in an exercise program at Curl Fitness. Member agrees and acknowledges that Curl Fitness does not manufacture the exercise equipment used in its facility but rather purchases and/ or leases that equipment from others and accordingly Member waives any right to hold Curl Fitness or its owners, officers, employees, agents and contracting service providers liable on account of any injury or loss suffered or incurred by Member arising out of or related to the condition of any equipment.
18. Policy/ Procedure /Rules: You also agree to follow all written or posted rules and regulations now in effect and to become effective at any future date. You agree to pay all sums due for membership plans and other services purchased. You understand and agree that Curl Fitness has the right to revoke your membership and discontinue your privilege of using any Curl Fitness or affiliated facility if you fail to follow the rules and regulations or default on any obligation to Curl Fitness. In such an event you will remain liable for any unpaid balance due to Curl Fitness.
19. Representations: You acknowledge that neither Curl Fitness nor anyone else has made any representations or promises upon which you relied that are not stated in this agreement. If Curl Fitness does not enforce any rights in this agreement for any reason, Curl Fitness does not waive its right to enforce it later. Curl Fitness reserves the right to sell memberships at different rates and terms than yours.
20. Curl Fitness Right to Suspend or Cancel Membership: Curl Fitness, reserves the right to suspend or terminate this membership in its sole discretion.
21. Performance Within Six (6) Months: The agreed upon services shall begin within six months of the date the contract is entered into. You may cancel the contract and obtain a full refund if the services are not provided within six months of the contract date.
22. Late Charge, Collections Costs, Returned Items, Replacement Card: If Member makes a payment that is returned or if an electronic payment is rejected for any reason, the Member agrees to pay in addition to that payment, any charges assessed by the bank plus up to a $15.00 administrative fee to Curl Fitness. Failure of Curl Fitness to demand or collect a late charge on any payment is not a waiver of the right to collect late charges on any other late payment. Member agrees to pay a $10.00 fee for each replacement card.
23. Membership Non Transferable: This membership is not transferable and Member may not sell, assign or transfer this agreement, his/her membership card or membership in Curl Fitness or any other right or privilege, and any such attempted sale, assignment or transfer shall be null and void. Member may not loan his/her membership card.
24. Registration/Membership ID Cards: All Members must check in at the front desk and present your membership card and workout towel to gain admission to the club. Curl Fitness will record a photograph of you for our membership records. Until you have received your membership card, you must either show a temporary membership card or a copy of your membership agreement along with a photo ID to the front desk. Once you have received your membership card, you will be required to present it to the front desk each time you enter a Curl Fitness or affiliated facility. If a membership card is lost or damaged, a replacement card will be issued for a fee of $10. If you do not have your membership card, Curl Fitness reserves the right to require you to replace it in order to gain admission to the club. You may not let anyone use your membership card or your membership will be revoked.
25. Hours of Operation/Availability/Services: Normal Hours are from at least 6:00 am through 9:00 pm Monday through Friday and 8:00 am through 6:00 pm Saturday & Sunday, Holidays excluded. Curl Fitness reserves the right to take the club temporarily out of operation for reasonable repairs, modifications, or improvements. Services: include health studio with free weights, strength and aerobic equipment. Personal Training Services are offered for an additional fee and require a separate contract. Babysitting services are also offered for an additional fee.
26. Financial Policy: You agree to pay the dues and fees on the front of this agreement. Whether or not you use the facilities, you still must pay your monthly dues. If a membership was purchased that contains more than one Member, you are responsible for paying all the dues. A family member or amenity service can be dropped at any time. At the option of Curl Fitness, an administrative fee of $10 may be required. If a family membership drops to two (2) Members, the dues change to couple rate which may be in effect at that time at the discretion of the club. If a family or couple membership drops to one (1) Member or any Member wants to pay his/her own dues, the dues for that Member change to a single rate in effect at that time. You have full control over the electronic fund transfer (EFT) and can change your accounts or stop your EFT by telling Curl Fitness in writing. Should you default in your payment obligation, you agree to pay all amounts owed. Any account that is more than thirty (30) days past due, may result in Member losing all Curl Fitness membership privileges. After sixty (60) days said Member may be terminated or suspended.
27. Refunds: All refunds are subject to a 10-day processing period. If you have a monthly or paid in full membership and cancel in accordance with paragraphs 19 or 20, we will return to you within ten (10) days of receipt of proper notice, all amounts you have paid. Otherwise, dues and fees are non-refundable except as follows: You may terminate a paid in full membership and receive a partial refund: 1) if you move more than 25 miles away from a Curl Fitness location or comparable associated club and provide written proof of your move, then Curl Fitness will refund prorata, the unused portion of your paid in full membership less a move fee of $100, or a move fee of $50 if you have used more than half of your paid in full membership; 2) if you become disabled and a licensed physician provides written proof of your disability or if you die and your estate provides written proof of your death, then Curl Fitness will refund prorata any unused portion of your membership. If services require payment of one thousand five hundred dollars ($1,500) to two thousand dollars ($2,000), member shall have the right to cancel the contract within 20 days after the contract is executed. If services require payment of two thousand one dollars ($2,001) to two thousand five hundred dollars ($2,500), member shall have the right to cancel the contract within 30 days after the contract is executed. If services require payment of two thousand five hundred one dollars ($2,501) or more, member shall have the right to cancel the contract within 45 days after the contract is executed. Upon cancellation, member shall be liable only for the portion of the total contract payment, including initiation fees and other charges however denominated, that has been available for use by the consumer, based upon a pro rata calculation over the term of the contract. The remaining portion of the contract payment shall be returned to the member by Curl Fitness.
28. Damages To Facility: Member agrees to pay an extra charge for the damages arising from any careless use of equipment, dropping weights etc., caused by Member.
29. Facility Maintenance/Modification of Equipment and/or Classes: Curl Fitness reserves the right to temporarily take equipment and services offered out of operation for reasonable repairs, modifications, substitutions, or improvements. Curl Fitness further reserves the right to make changes to the type or quantity of classes or equipment offered, and warrants that any changes made are reasonable under the circumstances.
30. Exercise Clothing: Appropriate workout attire must be worn inside exercise area. No street clothes, exposed metal on clothing, or see-through clothing is allowed. No open-toed, open heeled or dress shoes are allowed.
31. Personal Property: It is understood and agreed that Curl Fitness, its owners, agents and employees are not responsible for Member’s lost or stolen articles of clothing or any other lost articles or possessions of personal property Member claims were lost in or about the club premises or common areas of the center where Curl Fitness is located.
32. Personal Training: Member will not perform any personal training with any Member or non-member without express written approval from the Owner/Manager of Curl Fitness.
33. Assignment: Curl Fitness may close or move your club of enrollment without affecting this agreement if it transfers your membership to a comparable club within ten miles of this one. Curl Fitness reserves the right to sell, transfer or assign your membership. A notice of assignment shall be in writing and addressed to the Member at the address shown on this Agreement.
34. Entire Agreement/Governing Law/Severability: This Agreement and all other exhibits referred to in this Agreement constitute(s) the final, complete, and exclusive statement of the terms of the agreement between the parties and supersedes all prior and contemporaneous understandings or agreements of the parties. No party has been induced to enter into this Agreement by, nor is any party relying on, any representation or warranty outside those expressly set forth in this Agreement. This agreement shall be construed according to the laws of the State of California. If any provision of this Agreement is held to be unenforceable, the remaining provisions shall continue to be enforceable.
35. Membership Types: All Curl Fitness Health Clubs are independently owned and operated. “Premier Elite- Multi-Club,” and “Premier- Multi-Club” members have the privilege to use participating non Signature Curl Fitness Locations. Signature level memberships have the privilege to use participating Signature level locations as well as participating non Signature level locations. All additional fee based services for each club may not be reciprocated and pricing may vary. Babysitting, Private Training, and any other paid service will be extra at all Curl Fitness Health Clubs and its affiliates. “Basic- COE (Club of Enrollment)” – Valid only at the club that you enrolled. “Basic- T-TH-SA” Valid only Tuesdays, Thursdays, and Saturdays and only valid at club of enrollment. “Basic- Limited Hours” Valid opening to Noon weekdays, unless otherwise specified and valid only at club of enrollment. “Classes” – Group exercise classes. “HydroMassage” – Provides member access to hydro massage amenities. “Tanning” – Provides member access to tanning amenities. “Unlimited Guest Privileges” – Provides member the ability to bring one guest with them each time they use the club. The guest does not have access to use “Premier” member level benefits or amenities. “Weekend Guest Privileges” – Provides member the ability to bring one guest with them each time they use the club, on Saturdays and Sundays only. The guest does not have access to use “Premier” member level benefits or amenities. “Lifetime Family Add-on” members must be attached to a month to month dues paying member. 36. Steroid Warning: Use of steroids to increase strength or growth can cause serious health problems. Steroids can keep teenagers from growing to their full height; they can also cause heart disease, stroke, and damaged liver function. Men and women using steroids may develop fertility problems, personality changes, and acne. Men can also experience premature balding and development of breast tissue. These health hazards are in addition to the civil and criminal penalties for unauthorized sale, use, or exchange of anabolic steroids.
1. Dues Membership $/Month: Indicated Amount *By paying the DUES LOCK-IN FEE, Curl Fitness guarantees your dues will NEVER increase.
2. Dues Membership Automatic Billing Start Date Indicated Date.
3. Dues to be billed on the same day of each month beginning on the date in paragraph 7, which covers usage through the day before the Automatic Billing Date of the following month (Monthly Billing Cycle).
4. Annual Fee of the indicated amount will be charged on the indicated date and the same date each year following for you (and an additional annual fee of the indicated amount for each add-on Member and child to your Membership) by electronic funds transfer (EFT) or credit card, regardless of the date of this Agreement (unless canceled within the cancellation period stated in paragraph 19 or 20 below).
5. 12 Month Term Membership Expiration Date: Indicated Date. Member acknowledges and agrees that on the expiration date stated, this Membership will automatically revert to a month-to-month Membership which can be terminated at any time in accordance with paragraph 15 below.
6. Paid in Full Membership (PIF) Number Months (Max. 36 months): Indicated Number of Months Total: Indicated Amount (Max. $1,499.00)
7. Paid in Full Membership Expiration Date: Indicated Date Guaranteed renewal amount if lock-in fee paid: Indicated Amount
8. Paid in Full membership with automatic renewal; renewal payment will be due on the indicated date for the amount of the indicated amount and will continue as indicated until Member terminates this Membership in accordance with paragraph 15 below. FEES/DUES NOTE: All of the above dues and fees in paragraphs 1 through 13 are general operating revenue for the club organization and may be used or applied for any business purpose.
9. Fees and dues are non-refundable unless stated otherwise in paragraphs 15, 19, 20, 26 and 32 of this Agreement.
10. Termination of Dues Membership: Member may notify Curl Fitness, in writing, at any time, of its desire to terminate this membership. After Curl Fitness receives Member’s written notice, one more automatic billing will occur on the Automatic Billing Date stated in paragraph 7. Member’s privileges will continue for 30 days beyond the date of the last automatic billing. If Member paid the last month’s dues upon joining (as shown in paragraph 4), Member may elect to either continue its membership privileges for an additional 30 days (a total of 60 days beyond the date of the last automatic billing), or, if Member has fully paid all obligations, request a refund of the amount indicated in paragraph 4. All refunds must be requested on or before Member’s last Automatic Billing Date. If Member has a 12 month term membership and terminates this Membership prior to the expiration date set forth in paragraph 10 above, Member agrees to pay a termination fee of $99.00. If Member terminates a 12 Month Term Membership prior to the expiration date set forth in paragraph 10 above for any of the reasons set forth in paragraphs 19, 20, 26 or 32, no termination fees will apply.
11. Notice of termination is considered given, if by mail when postmarked, by email from an email address on file with Curl Fitness, or if by hand by filling out a cancellation form at the Curl Fitness’s place of business indicated on this Agreement. Such notice should be sent to your original club of enrollment. Verbal cancellations will not be accepted.
12. Unless Member has paid for a Dues Lock-in-Fee, Member agrees a Dues Membership may or may not, at the option of Curl Fitness, be increased $50.00 per month annually. If Curl Fitness increases your monthly Dues Membership, you are entitled to notice of that increase at least 10 days before said payment is due, however, by executing this Agreement, you choose to waive prior notice and only receive notice when the monthly Dues Membership payment increases by more than $50.00 from the most recent payment.
13. By signing this paragraph, Member authorizes Curl Fitness (and/or its service providers) to send text, email and/or pre-recorded phone messages to Member at the telephone or email address provided in this agreement for purposes of advertising, promotions, issues pertaining to Member’s account, and informational calls (“Messages”). Member consents to receiving these Messages via an automatic telephone dialing system or an artificial pre-recorded voice message. Member acknowledges the right to “opt-out” from receiving these Messages by following the steps provided in each Message and further acknowledges that they are not being required to execute this consent (directly or indirectly) as a condition of purchasing any goods or services. Standard text rates may apply.
Member’s Right to Cancel/Length of Contract Term 14. You, the buyer, may choose to cancel this agreement at any time prior to midnight of the FIFTH business day of the health studio after the date of this agreement, excluding Sundays and holidays. To cancel this agreement, mail, email, or deliver a signed and dated notice that states that you, the buyer, are canceling this agreement, or words of similar effect. The notice shall be sent via firstclass mail, via email from an email address on file with the health studio, or delivered in person to: Curl Fitness, 32451 Golden Lantern Suite 1A Laguna Niguel, CA 92677; email: 210oceanranchca@curlfitness.com. 15. If you paid any money under this Agreement prior to the Club opening for business, you also have the right to cancel the Agreement at any time prior to midnight of the FIFTH business day (or as set forth above) after the date the Club opens for business. Any refund shall be paid within 10 days of receipt of notice of cancellation. 16. You are accepting and signing this Agreement electronically. You agree that your signature is the legal equivalent of your manual signature on this Agreement. You agree to be bound by the terms and conditions of this Agreement including the Warranty of Physical Fitness and Waiver and Release of Liability in Paragraph 22 and acknowledge receipt of a copy of this Agreement.
LENGTH OF TERM OF CONTRACT: Monthly billing will continue for up to one month following Curl Fitness’s receipt of Member’s Notice of Termination. Membership and access may be valid for up to three months following Curl Fitness’s receipt of Member’s Notice of Termination. See Paragraph 15 for details. 12 Month Term Membership – membership is for 12 months. Termination fees may apply. See Paragraph 15 for details. Paid In Full Membership – Number Months: Indicated Number of Months (Max. 36 months) Paid in Full Membership – Auto Renewal. See Paragraph 13 for details.
PLEASE ATTACH A VOID OR BLANK CHECK • REQUEST FOR PREAUTHORIZED PAYMENT I/We hereby authorize ABC Fitness Solutions, LLC (“The Company”), Sherwood, AR 72124, to draw (checks, electronic fund transfers, charge card) for the purpose of paying said payments, including any late fees or service fees, on the account of. • By signing below, Member hereby authorizes Curl Fitness to either initiate automatic debit entries to my (our) bank account, or charge my debit or credit card, on a monthly basis beginning on the date in paragraph 7 above and yearly on the date in paragraph 9 or 13 above and in the amount stated in paragraphs 6, 9 and 13 respectively. Member further authorizes Curl Fitness to electronically debit, or charge my debit or credit card for any past unpaid dues amounts and for any increase in dues amounts pursuant to this agreement. Member agrees a Dues Membership may or may not, at the option of Curl Fitness, be increased $50.00 per month annually. If Curl Fitness increases your monthly Dues Membership, you are entitled to notice of that increase at least 10 days before said payment is due; however, by executing this preauthorization, you choose to waive prior notice and only receive notice when the Dues Membership payment increases by more than $50.00 from the most recent payment. • Member has given Curl Fitness a voided check or credit or debit card with the required bank information and account numbers. Member authorizes his/her bank account to be debited, or the debit or credit card charged up to seven (7) days before or after the Automatic Billing Date identified in paragraph 7 above, or paragraph 9 or 13. This authorization is to remain in full force and effect for thirty (30) days after Member’s privileges expire. •Alternative Payment Method: If Member has provided Curl Fitness with an alternative payment method as indicated below, Member agrees and authorizes Curl Fitness to charge Member’s alternative payment method with any amounts Member may owe, including membership dues, annual fees and retail merchandise. Member may revoke this alternative payment method at any time by providing written notice to Curl Fitness’s place of business set forth in paragraph 15. INITIALS:
Subject to the following conditions:
(1) By signing below, You authorize the Club and Service Provider to charge your credit card, debit card, or debit your bank account provided for all amounts you owe under the membership agreement or other similar agreement (the “Membership Agreement”) between you and the Club, including dues, annual fees, enrollment fees, service fees, late fees, other fees, taxes, purchases, personal training, group exercise, childcare fees, incidental charges, and any other charges you are liable for or you incur. You agree that debits to your card or bank account shall be made on a recurring basis on the fixed dates or intervals set forth in your Membership Agreement. If any date for billing falls on a weekend or holiday, you understand that the Club and/or Service Provider may process it on an upcoming business day. You further agree that in the event any attempted charge or debit is returned unpaid for any reason, the Club and/or Service Provider may make one or more further attempts to obtain payment, and if still unpaid, the Club and/or Service Provider may add the unpaid amount to your upcoming regular billing. You further agree that you may be assessed a fee for any payment that is returned unpaid and/or a late fee for any payment that becomes past due. In the event there is an error in any card or bank debit, you agree that the Club and/or Service Provider may initiate a one-time credit or debit, as the case may be, to correct the error. The transactions on Your bank, debit, or credit card statement shall constitute receipts for payment on Your account.
(2) If you have provided a check as payment, you authorize the Club and Service Provider to use the data on the check to process your payments electronically or to process the payment as a check transaction. When the Club and/or Service Provider uses information from Your check to make an electronic fund transfer, funds may be withdrawn from Your account as soon as today’s date.
(3) You acknowledge that the debits may be in different amounts depending on the services used and purchases made. You agree that you must only be provided notice of an amount that varies if the amount exceeds the average amount by more than $50.00.
(4) By executing this authorization, You acknowledge Your awareness that certain disclosures required by the Electronic Funds Transfer Act and its regulations are available for Your review at the Service Provider’s website: https://abcfitness.com/terms-conditions/.
(5) The privilege of making EFT payments under this arrangement may be revoked by the Club and/or Service Provider if any item is not paid upon presentation.
(6) If this preauthorization payment arrangement is revoked for any reason, this does not release You from Your obligation under Your Membership Agreement.
(7) You authorize the Club, including its agents, affiliates, and vendors (including the Service Provider) (collectively the Club’s “Agents”), to store the account or card information provided by You on or in relation to this Authorization and/or Your Membership Agreement, as well as any other account or card information provided by You through any means to the Club or its Agents (including information provided in person, online or over the phone) for purposes of the future billing provided herein, in the Membership Agreement, and to process payments owed in relation to all subsequent agreements entered between you and the Club. If Your Membership Agreement will automatically renew at the end of the Term defined therein, the stored payment information will be used to process payments owed in relation to the renewal term(s). You agree to promptly notify the Club and/or its Agents if your payment information changes, or if the account is closed, in which case you agree to provide an alternate means of payment. You acknowledge and agree that the Club and its Agents may use other available means of obtaining updated card information but you remain obligated to inform the Club and its Agents of the changes as provided herein.
(8) This authorization and consent to store payment information will not expire unless it is expressly revoked and shall remain in effect for the term of the Membership Agreement, including any renewals, unless earlier cancelled by you. The general cancellation policies provided in Your Membership Agreement will apply to revoking this authorization. If you revoke your authorization, you understand that you are still liable for all amounts you owe under the Membership Agreement.
(9) This preauthorization payment arrangement shall apply to the following Applicant(s): If the Member is paying monthly dues by electronic funds transfer (EFT), the club’s billing company, ABC Fitness Solutions, LLC, reserves the right to draft via EFT all amounts owed by the member including any and all late fees and service fees. Subject to appropriate State and Federal Law. Member affirms, acknowledges and attests that Member’s mailing address, telephone number, cellular telephone number and e-mail address provided on the face of this agreement are accurate and were provided by Member voluntarily. Subject to applicable law, Member agrees that Curl Fitness and its third-party billing service provider(s) (collectively, the “Company”), including its agents, affiliates, and vendors, not limited to its debt collection agencies or attorneys, may contact Member at any mailing address, telephone number, cellular telephone number or email address, set forth on the face of this agreement, or subsequently provided by Member to the Company, including via SMS and automated dialing system and/or prerecorded voice messages. You further acknowledge that you are not required to provide this consent, directly or indirectly, as a condition of purchasing any goods or services and that all contact information provided by you above is accurate. If you reply STOP to opt out of text alerts, the opt out will apply to text alerts only. Collection of Your Personal Information. ABC collects information about you that is provided in conjunction with your purchase of services from one of ABC’s health club clients, including information provided on your health club membership agreement(s) and personal training agreement(s). Information about you is typically obtained from the agreement you sign with the club from whom you purchase services. Your personal information may also be collected from you when you provide information directly to ABC in any manner, or when you update account or contact information at the club or online. The information ABC collects about you may include your name, postal address, email address,phone numbers, bank account or credit card information, audio recordings of phone calls with you or made in relation to your account, photographs voluntarily taken at the club, and e-mail correspondence with you or in relation to your account. ABC collects such personal information about you for the purpose of processing and collecting payments owed by you to the club, to contact you in relation to your health club account, and to otherwise provide third party payment processing and administrative services to your club. ABC uses information it collects to communicate with health club members, collect payments owed to its health club clients, and maintain up to date account information for members. ABC’s Privacy Policy is available at https://www.abcfitness. com/privacy-policy/. E-SIGN Consent. Certain laws and regulations may require Curl Fitness and/or its thirdparty billing service provider(s) (collectively, the “Company”), to provide Member with written notices and disclosures on paper. With Member’s consent, this information may be provided to Member electronically. Member’s consent hereto shall apply to each and every disclosure, notice, agreement, statement, term and condition, and any other information (collectively, the “Documents”) that the Company, may provide Member. Member’s consent to receive the Documents electronically shall continue until expressly withdrawn by Member. Notwithstanding, Member may request a paper copy of all electronic Documents by contacting the Company and requesting a paper copy. Member may withdraw its consent at any time by notifying the customer service department of the Company. Upon withdrawing consent, Member shall no longer receive the Documents electronically. Member acknowledges that withdrawing consent may result in additional fees for Member’s receipt of the Documents. Member agrees to maintain a valid email address with the Company, and to promptly notify the Company of any changes to Member’s email address. If Member has provided another type of electronic contact information, such as a phone number, then Member may change that contact information by contacting the customer service department of the Company. To access, view and receive the Documents electronically, Member agrees and acknowledges that it must have: (i) a computer, mobile device, tablet or smartphone, (ii) a version of internet browser software that is up-to-date and supported by Member’s electronic device, (iii) an internet connection, (iv) software that is capable of accurately reading and displaying electronic PDF files, (v) a computer or electronic device operating system capable of supporting the items above, and (vi) a printer or electronic storage device if Member desires to print any electronic Documents. Member acknowledges that it may also need a certain brand or device that can support applications intended for Member’s electronic mobile devices, tablets and smartphones. In the event the required software or hardware is modified in such a way that would create a material risk to Member to access the Documents electronically, then the Company, will notify Member following such material modification. By accepting the terms of this Agreement, Member does hereby agree to the terms and conditions of this paragraph and consents to the same. Member does also confirm that Member has the software and hardware described above, that Member has the means necessary to access, view and receive the Documents electronically, and that Member has provided a valid and active email address to the Company.
ADDITIONAL TERMS AND CONDITIONS OF THIS MEMBERSHIP AGREEMENT
17. Warranty of Physical Fitness and Waiver and Release of Liability: The Member listed on this membership agreement warrants that he/she is in good physical condition and has no disability, impairment or ailment that would be adversely affected by participation in an active or passive physical conditioning program, whether supervised or unsupervised, or by use of Curl Fitness’s facilities, equipment or services. Member acknowledges that participation in such programs and use of such facilities and equipment by their nature necessarily involves some risk of physical injury even for persons in good physical condition and who are free of disability or impairment. Member also agrees that selection of any program of exercise and use of equipment is solely the choice of the Member. Accordingly, Member expressly agrees that his or her use of the facilities of Curl Fitness and its equipment is undertaken at the Member’s sole risk and neither Curl Fitness nor any affiliated club nor its or their employees, owners, officers, agents or contract service providers shall be liable under any circumstance for any injury, damages or loss suffered by the Member on account of his or her use of the Curl Fitness or affiliated club facilities or equipment or participation in any fitness program, whether supervised or unsupervised, whether on or off of premises of Curl Fitness or any affiliate club. Curl Fitness urges you and all Members to obtain a physical examination prior to commencing any program of active physical exercise. Member acknowledges and agrees that Curl Fitness has made no representation or claims to the Member that any conditioning, weight loss or improvement in a medical or physical condition will occur as a result of use of the Curl Fitness facility and equipment or participation in an exercise program at Curl Fitness. Member agrees and acknowledges that Curl Fitness does not manufacture the exercise equipment used in its facility but rather purchases and/ or leases that equipment from others and accordingly Member waives any right to hold Curl Fitness or its owners, officers, employees, agents and contracting service providers liable on account of any injury or loss suffered or incurred by Member arising out of or related to the condition of any equipment.
18. Policy/ Procedure /Rules: You also agree to follow all written or posted rules and regulations now in effect and to become effective at any future date. You agree to pay all sums due for membership plans and other services purchased. You understand and agree that Curl Fitness has the right to revoke your membership and discontinue your privilege of using any Curl Fitness or affiliated facility if you fail to follow the rules and regulations or default on any obligation to Curl Fitness. In such an event you will remain liable for any unpaid balance due to Curl Fitness.
19. Representations: You acknowledge that neither Curl Fitness nor anyone else has made any representations or promises upon which you relied that are not stated in this agreement. If Curl Fitness does not enforce any rights in this agreement for any reason, Curl Fitness does not waive its right to enforce it later. Curl Fitness reserves the right to sell memberships at different rates and terms than yours.
20. Curl Fitness Right to Suspend or Cancel Membership: Curl Fitness, reserves the right to suspend or terminate this membership in its sole discretion.
21. Performance Within Six (6) Months: The agreed upon services shall begin within six months of the date the contract is entered into. You may cancel the contract and obtain a full refund if the services are not provided within six months of the contract date.
22. Late Charge, Collections Costs, Returned Items, Replacement Card: If Member makes a payment that is returned or if an electronic payment is rejected for any reason, the Member agrees to pay in addition to that payment, any charges assessed by the bank plus up to a $15.00 administrative fee to Curl Fitness. Failure of Curl Fitness to demand or collect a late charge on any payment is not a waiver of the right to collect late charges on any other late payment. Member agrees to pay a $10.00 fee for each replacement card.
23. Membership Non Transferable: This membership is not transferable and Member may not sell, assign or transfer this agreement, his/her membership card or membership in Curl Fitness or any other right or privilege, and any such attempted sale, assignment or transfer shall be null and void. Member may not loan his/her member- ship card.
24. Registration/Membership ID Cards: All Members must check in at the front desk and present your membership card and workout towel to gain admission to the club. Curl Fitness will record a photograph of you for our membership records. Until you have received your membership card, you must either show a temporary membership card or a copy of your membership agreement along with a photo ID to the front desk. Once you have received your membership card, you will be required to present it to the front desk each time you enter a Curl Fitness or affiliated facility. If a membership card is lost or damaged, a replacement card will be issued for a fee of $10. If you do not have your membership card, Curl Fitness reserves the right to require you to replace it in order to gain admission to the club. You may not let anyone use your membership card or your membership will be revoked.
25. Hours of Operation/Availability/Services: Normal Hours are from at least 6:00 am through 9:00 pm Monday through Friday and 8:00 am through 6:00 pm Saturday & Sunday, Holidays excluded. Curl Fitness reserves the right to take the club temporarily out of operation for reasonable repairs, modifications, or improvements. Services: include health studio with free weights, strength and aerobic equipment. Personal Training Services are offered for an additional fee and require a separate contract. Babysitting services are also offered for an additional fee.
26. Financial Policy: You agree to pay the dues and fees on the front of this agreement. Whether or not you use the facilities, you still must pay your monthly dues. If a membership was purchased that contains more than one Member, you are responsible for paying all the dues. A family member or amenity service can be dropped at any time. At the option of Curl Fitness, an administrative fee of $10 may be required. If a family membership drops to two (2) Members, the dues change to couple rate which may be in effect at that time at the discretion of the club. If a family or couple membership drops to one (1) Member or any Member wants to pay his/her own dues, the dues for that Member change to a single rate in effect at that time. You have full control over the electronic fund transfer (EFT) and can change your accounts or stop your EFT by telling Curl Fitness in writing. Should you default in your payment obligation, you agree to pay all amounts owed. Any account that is more than thirty (30) days past due, may result in Member losing all Curl Fitness membership privileges. After sixty (60) days said Member may be terminated or suspended.
27. Refunds: All refunds are subject to a 10-day processing period. If you have a monthly or paid in full membership and cancel in accordance with paragraphs 19 or 20, we will return to you within ten (10) days of receipt of proper notice, all amounts you have paid. Otherwise, dues and fees are non-refundable except as follows: You may terminate a paid in full membership and receive a partial refund: 1) if you move more than 25 miles away from a Curl Fitness location or comparable associated club and provide written proof of your move, then Curl Fitness will refund prorata, the unused portion of your paid in full membership less a move fee of $100, or a move fee of $50 if you have used more than half of your paid in full membership; 2) if you become disabled and a licensed physician provides written proof of your disability or if you die and your estate provides written proof of your death, then Curl Fitness will refund prorata any unused portion of your membership. If services require payment of one thousand five hundred dollars ($1,500) to two thousand dollars ($2,000), member shall have the right to cancel the contract within 20 days after the contract is executed. If services require payment of two thousand one dollars ($2,001) to two thousand five hundred dollars ($2,500), member shall have the right to cancel the contract within 30 days after the contract is executed. If services require payment of two thousand five hundred one dollars ($2,501) or more, member shall have the right to cancel the contract within 45 days after the contract is executed. Upon cancellation, member shall be liable only for the portion of the total contract payment, including initiation fees and other charges however denominated, that has been available for use by the consumer, based upon a pro rata calculation over the term of the contract. The remaining portion of the contract payment shall be returned to the member by Curl Fitness.
28. Damages To Facility: Member agrees to pay an extra charge for the damages arising from any careless use of equipment, dropping weights etc., caused by Member. 29. Facility Maintenance/Modification of Equipment and/or Classes: Curl Fitness reserves the right to temporarily take equipment and services offered out of operation for reasonable repairs, modifications, substitutions, or improvements. Curl Fitness further reserves the right to make changes to the type or quantity of classes or equipment offered, and warrants that any changes made are reasonable under the circumstances.
30. Exercise Clothing: Appropriate workout attire must be worn inside exercise area. No street clothes, exposed metal on clothing, or see-through clothing is allowed. No opentoed, open heeled or dress shoes are allowed.
31. Personal Property: It is understood and agreed that Curl Fitness, its owners, agents and employees are not responsible for Member’s lost or stolen articles of clothing or any other lost articles or possessions of personal property Member claims were lost in or about the club premises or common areas of the center where Curl Fitness is located.
32. Personal Training: Member will not perform any personal training with any Member or non-member without express written approval from the Owner/Manager of Curl Fitness.
33. Assignment: Curl Fitness may close or move your club of enrollment without affecting this agreement if it transfers your membership to a comparable club within ten miles of this one. Curl Fitness reserves the right to sell, transfer or assign your membership. A notice of assignment shall be in writing and addressed to the Member at the address shown on this Agreement.
34. Entire Agreement/Governing Law/Severability: This Agreement and all other exhibits referred to in this Agreement constitute(s) the final, complete, and exclusive statement of the terms of the agreement between the parties and supersedes all prior and contemporaneous understandings or agreements of the parties. No party has been induced to enter into this Agreement by, nor is any party relying on, any representation or warranty outside those expressly set forth in this Agreement. This agreement shall be construed according to the laws of the State of California. If any provision of this Agreement is held to be unenforceable, the remaining provisions shall continue to be enforceable.
35. Membership Types: All Curl Fitness Health Clubs are independently owned and operated. “Premier Elite- Multi-Club,” and “Premier- Multi-Club” members have the privilege to use participating non Signature Curl Fitness Locations. Signature level memberships have the privilege to use participating Signature level locations as well as participating non Signature level locations. All additional fee based services for each club may not be reciprocated and pricing may vary. Babysitting, Private Training, and any other paid service will be extra at all Curl Fitness Health Clubs and its affiliates. “Basic- COE (Club of Enrollment)” – Valid only at the club that you enrolled. “Basic- T-THSA” – Valid only Tuesdays, Thursdays, and Saturdays and only valid at club of enrollment. “Basic- Limited Hours” – Valid opening to Noon weekdays, unless otherwise specified and valid only at club of enrollment. “Classes” – Group exercise classes. “HydroMassage” – Provides member access to hydro massage amenities. “Tanning” – Provides member access to tanning amenities. “Unlimited Guest Privileges” – Provides member the ability to bring one guest with them each time they use the club. The guest does not have access to use “Premier” member level benefits or amenities. “Weekend Guest Privileges” – Provides member the ability to bring one guest with them each time they use the club, on Saturdays and Sundays only. The guest does not have access to use “Premier” member level benefits or amenities. “Lifetime Family Add-on” members must be attached to a month to month dues paying member.
36. Steroid Warning: Use of steroids to increase strength or growth can cause serious health problems. Steroids can keep teenagers from growing to their full height; they can also cause heart disease, stroke, and damaged liver function. Men and women using steroids may develop fertility problems, personality changes, and acne. Men can also experience premature balding and development of breast tissue. These health hazards are in addition to the civil and criminal penalties for unauthorized sale, use, or exchange of anabolic steroids.