,21.Subject to any applicable law which cannot be excluded:,(a)you use the Virtual Hubat your own risk;,(b)TA provides you with access to the Virtual Hubwithout any express or implied warranties, including, ,but not limited to implied warranties of merchantability, fitness for a particular purpose and non-,infringement;,(c)TA does not guarantee, or make any representations or warranties that the Virtual Hubwill be ,always safe, secure, complete, available, and free of