Where to see Refractory

We welcome you to visit our studio in Chicago.  Please email to schedule an appointment. 

Placing an Order

To request a quote or place an order, kindly correspond with us at with your name, location, and piece of interest as well as any pertinent details you can provide.

Please let us know at this time if you are a member of the trade. 

Upon your receipt of your inquiry, an associate will work with you on quoting and servicing your project.

Please note that our comprehensive price list will be available very soon.  In the meantime, an associate will provide you with any pricing you need.

Trade Program

Refractory offers a 15% discount to members of the trade. Please contact us to register.

Where Refractory works are made

Refractory pieces are patterned, moulded, cast, fabricated, and finished by hand in Chicago at Refractory's sister company and production atelier West Supply, as well as by other local artisans and producers in different materialities. 

Customization & Commissions

Many Refractory works are conceived to be customizable and tailored as one of a kind works for any installation.  Customization can be by way of form, scale, application and/or patination. 

To inquire please contact with requirements, details, and the needs of the space and project. 

Refractory is open to considering product, sculpture, and architectural application commissions. 


Custom Finish and Patina

Regarding custom finishes and patination, Refractory will request a photograph and/or sample to consider in order to develop a patina sample for your consideration.  This master sample may currently require 20-30 days to produce.  



Central to Refractory's intent is supporting a platform for collaboration.  We are open to creative partnerships, commissions and special projects in the realms of custom furnishings for residential or commerical applications, small and civic scale sculpture, lighting, cast tile, interior architectural elements, bronze doors, monumental hardware and lighting of most any kind. 

Lead times

Lead times may vary considerably depending on stock or raw material availability, product complexity, customization etc.  

Please confirm lead times at time of quoting and order placement.  

Shipping & Delivery



Refractory will provide shipping quotes for you during the ordering process.  



Either a qualified receiving warehouse or qualified receiving person should be present to accept products upon delivery.  A receiving warehouse acts as the client's agent. It is responsible for noting any damage and assisting the owner with filing a freight claim when any damage is found.  We highly recommend using a qualified receiving warehouse to receive, inspect, consolidate deliveries and facilitate installation.  A qualified receiving person should also be present to accept delivery when products are delivered directly to a home or installation site.  A receiving person will act as client's agent and is responsible for noting damage and assisting with filing a freight claim if any damage is found.


Signing for the shipment upon delivery

When receiving shipments with a BOL (Bill of Lading), a signature on the BOL confirms that the products were received in good condition unless an exception is made on the BOL. If the driver must must drop the shipment and depart, the receiver should note on the BOL that any concealed damage of boxed or crated items will be the responsibility of the carrier or the manufacturer, as determined upon inspection of the product. Full inspection must occur within 48 hours of delivery and, if applicable, all freight claims must be filed within 72 hours.

Small Parcel: When receiving parcel deliveries, a signature on carrier’s automated handheld device confirms that the products are received in good condition.

If the merchandise is refused upon delivery for quality or damage issues, the receiver should promptly contact Refractory. 

Care & Maintenance



Bronze is an alloy with high copper content and will age over time. The beauty of bronze is in its endurance, ability to be restored and refinished for hundreds and thousands of years as needed. Refractory bronze works are sealed in an archival fashion to help to moderate oxidation. The patination process creates colors and nuance, while lacquers and waxes will protect the surface to a reasonable extent. It is normal for a work in bronze to slowly signs of subtle oxidation. This may be the result of geographic location as well as how often the piece is touched and handled.

For works in bronze, dust regularly with a soft, dry cloth and as needed clean with warm water on a soft cloth. Promptly dry with a fresh soft cloth. Cleaning solutions with detergents, alcohol, and solvents or commercial metal polishing agents and waxes may damage patination and other surface treatments.

If a surface or patina needs to be refreshed, a professional metal finisher and/or patineur should be consulted.



Cast and blown glass should be cleaned with a soft, damp cloth or a glass cleaning solution that contains no additives. Always apply cleaner to the soft cloth rather than directly to the glass surface in order to avoid over-spray.



Metal finishes are susceptible to tarnish, pitting, and patina oxidation over time. Clean with a soft, drycloth. Do not use commercial cleaning products or solutions or wrap light fixtures in any form of plastic.



Wood pieces have been stained and/or polished to bring depth and beauty to each finish. Although most are protected with a clear sealer coat or wax, finishes are still susceptible to wear. Finish coats vary from piece to piece.

Care for wood pieces by dusting regularly with a dry, soft cloth. To remove occasional soil build-up, andonly when necessary, use a soft cloth moistened with warm water. Quickly dry the surface with a clean,dry cloth and remove any moisture. A mild solution of gentle soap and warm water can be used in cases of soiling.

Do not use commercial cleansers, detergents, or ammonia-based cleaners, and to avoid yellowing, do not use paste wax, oils, or aerosol products. To prevent drying and cracking as can happen over time,particularly with solid wood, it is recommend to avoid extreme changes in humidity.

Do not place hot or wet objects or rubber directly on wood surfaces, as damage may result. Exposure to direct sunlight will cause wood discoloration over time. To avoid marks and indentations, do not write directly on the wood surface without something in between as a barrier.

Finishes are not guaranteed against color fading from sun exposure or atmospheric conditions.



Stone is a natural material, markings and color will vary. Stone tops are sealed or polished to be stain resistant. Clean stone surfaces with a soft cloth and a few drops of stone soap or a light detergent combined withwarm water.

Too much cleaner or soap may leave a film or cause streaks. Rinse the surface thoroughly after cleaning and dry with a soft cloth. For spills, blot with a soft cloth immediately to prevent the stain from being absorbed by the stone.

Flush with water and mild soap and rinse well. Dry the area with a soft cloth.
It is recommend that stained or soiled stone be professionally cleaned by a stone cleaner or a re-finisher

Many common foods and beverages contain acids that will etch or dull the surface of many stones. Useplacemats or felt spots under china, ceramics, silver, or any other objects that may scratch the surface.



Polymer pieces have been stained and/or polished to bring depth and beauty to each finish. Although most are protected with a clear sealer coat or wax, finishes are susceptible to wear. Finishes vary from piece to piece.

Care for polymer pieces by dusting regularly with a dry, soft cloth. To remove occasional soil build-up, and only when necessary, use a soft cloth moistened with warm water. Quickly dry the surface with a clean, dry cloth and remove any moisture. A mild solution of gentle soap and warm water can be used in
cases of soiling.

Do not use commercial cleansers, detergents, or ammonia-based cleaners, and to avoid yellowing, do notuse paste wax, oils, or aerosol products. To prevent drying and cracking as can happen over time, it is recommend that you avoid extreme changes in humidity.

Do not place hot or wet objects or rubber directly on polymer surfaces, as damage may result. Exposure to direct sunlight will cause wood discoloration over time. To avoid marks and indentations, do not write directly on the polymer surface without something in between as a barrier.

Finishes are not guaranteed against color fading from sun exposure or atmospheric conditions.

Terms & Conditions

Orders Subject to Acceptance

All Orders are subject to acceptance by Refractory (“we” or “Refractory”).

Acceptance of orders is based on the express condition that the Buyer (“buyer” or “you”) agrees to all of the terms and conditions contained herein. Acceptance of delivery by Buyer will constitute Buyer’s assent to these terms and conditions. These terms and conditions represent the complete agreement of the parties, and no terms or conditions in any way adding to, modifying, or otherwise changing the provisions stated herein shall be binding upon Refractory unless made in writing, and signed and approved by an officer of Refractory. No modification of any of these terms will be affected by Refractory’s shipment of goods following receipt of Buyer’s purchase order, shipping request, or similar forms containing printed terms and conditions conflicting or inconsistent with the terms herein.  

Prices & Terms

Refractory orders must be in the form of a legally binding purchase order with item name, applicable SKUs, quantity, finish, requested delivery date, and pricing. Refractory welcomes custom orders and will proceed upon customer approvals of samples, drawings, pricing, delivery and payment terms.

Prices are subject to change without notice. All product prices are exclusive of other charges as well as packaging and freight charges. All prices are FOB from Refractory’s workshop in Chicago, Illinois. Product pricing does not include shipping, storage, local delivery, cartoning, crating, packing, sales tax, or uncrating. These services may be quoted as separate line items. All prices are in US Dollars.

A deposit of fifty percent (50%) of the total purchase price is required to initiate order fulfillment. All accounts shall be paid net when invoiced. Orders for in stock products require payment in full at the time of order placement.  A service charge of the lesser of 2% per month or the maximum permissible rate will be added to all accounts not paid within sixty (60) days from the date of invoice for final balance due. Orders must be paid in full, including any applicable or prescribed shipping, handling, crating and packing, storage (see “STORAGE”), taxes, and service charges prior to shipping or retrieval from Refractory.

All taxes and excises of any nature whatsoever now or hereafter levied by governmental authority, whether federal, state or local, either directly or indirectly, upon the sale or transportation of any goods covered hereby shall be paid and borne by Buyer.

Method of Shipment

Refractory will arrange product shipments unless Buyer specifies the shipment method.  Any shipments returned to Refractory as a result of Buyer’s unexcused delay or failure to accept delivery will require Buyer to pay all additional costs incurred by Refractory including Storage fees.

Storage Fees

All orders will be shipped upon competition and final payment. Items not picked up within 60 days from the date of invoice for final balance due will be subject to storage and handling fees of 3% of order value per month. No order will be released until storage fees have been paid.

Order Cancellations & Returns

Orders may not be cancelled after ten (10) business days after deposit is received or purchase order accepted by Refractory. After ten (10) business days, any deposit made by Buyer in connection with an order is nonrefundable and may be applied to a future new order within ninety (90) days. Cancellations and changes require prior written approval and confirmation from Refractory.  Such orders may be subject to change, cancellation or stocking fees up to 50% of the net selling prices.  Special orders are not returnable.

Force Majuere 

All quoted completion and delivery dates are estimates only. Refractory shall not be liable for delays in completion or shipment, or default in delivery for any reason of force majeure or for any cause beyond Refractory’s reasonable control including, but not limited to: (a) government action, war, riots, civil commotion, embargoes, or martial law; (b) Refractory’s inability to obtain necessary materials from its usual sources of supply; (c) shortage of labor, raw material, production or transportation facilities or other delays in transit; (d) labor difficulty involving employees of Refractory or others; (e) weather events, fire, flood, or other casualty, or (f) other contingencies of manufacture or shipment. In the event of any delay in Refractory’s performance due in whole or in part to any cause beyond Refractory’s reasonable control, Refractory shall have such additional time for performance as may be reasonably necessary under the circumstances. Acceptance by Buyer of any goods shall constitute a waiver by Buyer of any claim for damages on account of any delay in delivery of such goods.

Title / Risk of Loss

Delivery of goods to the carrier shall be deemed delivery to Buyer, and thereupon title to such goods, and risk of loss or damage, shall be Buyer's. Any claim by Buyer against Refractory or carrier for shortage or damage occurring prior to such delivery must be made in writing within forty-eight (48) hours after receipt of shipment and accompanied by original transportation bill signed by the carrier noting that the carrier received the goods from Refractory in the conditions claimed.


Finishes are applied by hand and may vary in color, tone, and character. While Refractory will make reasonable efforts to match a finish, no guarantee can be made of an exact match. Refractory does not guarantee finishes against fading or oxidizing.  Variations in color, grain, textures are inherent within natural resources (cast bronze, cast glass, cast resin, stone and wood) and are considered to be part of the material’s natural beauty and evidence of craft.  Items manufactured by Refractory are handmade and therefore subject to slight variations.



Refractory warrants its furniture to be free from defects in workmanship and materials.  Product carries a one (1) year warranty from date of completion.  This warranty does not apply to damage or breakage resulting from misuse, accidents, abuse, neglect, mishandling or wear resulting from normal use.  Defective product will be repaired or replaced at Refractory's discretion.  This warranty does not cover variation or defects in bronze, fabric, leather, resin, stone and the changing nature of patinas.

Many woods and metal finishes are applied by hand and may vary slightly in color, tone and character.  Refractory will make every effort to match a finish, however, no guarantee can be made of an exact match.  Refractory does not guarantee against fading and oxidizing.  Variations in color and veining are inherent in stone, wood, fabric, and leathers.  All Refractory furniture is handmade and is therefore subject to slight variation.

To inquire about warranty of a particular item please contact Refractory at +1 800 957 2577


Limitations of Liability

Refractory shall not be liable for special, punitive, incidental or consequential losses, damages or expenses, directly or indirectly arising from the manufacture, sale, handling or use of any goods, or from any other cause with respect to the services or goods of, or obtained by Refractory, whether such claim is based upon breach of contract, breach of warranty, strict liability in tort, negligence or any other legal theory. Further, in no event shall the Refractory be liable for any damages or other amounts for any reason whatsoever in excess of the purchase price of the goods and services ordered by Buyer. 

Any claim by Buyer with reference to the goods sold hereunder for any cause shall be deemed waived by Buyer unless submitted to Refractory in writing within forty-eight (48) hours from the date Buyer discovered, or should have discovered, any claimed breach.

Remedies upon Default

Refractory requires payment for any shipment hereunder in advance. If Buyer fails to make payment in accordance with the terms of this agreement or otherwise fails to comply with any provision hereof, Refractory may, at its option, cancel any unshipped portion of this order, retain the goods, and declare a forfeiture of the deposit as liquidated damages.


All of Refractory’s drawings, descriptive matter, weights, dimensions, descriptions, and illustrations contained in the Refractory’s website, catalogues, price lists, or advertisements are close approximations only and intended to give a general description of the goods, and shall not form part of this agreement. Furniture and lighting is handmade, therefore subject to variations. All sizes as indicated in the price list are within 1/2” variance.


Waiver by Refractory of any breach of these terms and conditions shall not be construed as a waiver of any other breach, and failure to exercise any right arising from any default hereunder shall not be deemed a waiver of such right at any subsequent time. Any such waiver must be in writing and signed by an officer of Refractory.


In the event that any one or more of these terms or conditions is held invalid, illegal, or unenforceable, such provision or provisions shall be severed and the remaining terms and conditions shall remain binding and effective.


Refractory reserves the right to change, modify, or otherwise alter these Terms and Conditions, and its website, at any time and at its sole discretion without notice. Such modifications shall become effective immediately upon the posting thereof on Refractory’s website. Therefore, Buyer should review Refractory’s policies, terms and conditions each time Buyer visits the website. The most current version of these Terms and Conditions can be found on Refractory’s website.


The design of each product designed and/or manufactured by Refractory is proprietary to Refractory and protected by U.S. Copyright Laws,, 17 U.S.C. 101 et seq. Unauthorized copy of our designs, products, sales materials, publications, etc. constitutes infringement of our copyrights, infringement of our trade dress, misrepresentations as to source or origin, and unfair competition, all in violation of U.S. Copyright Laws, 15 U.S.C. 1051, et seq.

All website images are property of and copyrighted by Refractory, and others from whom it has permission to share, and should not be saved, copied, sold or redistributed without express permission of Refractory.

Controlling Law

This agreement shall be deemed to have been executed and delivered at Refractory, 4201 W Wrightwood Avenue, Chicago, Illinois 60639. This agreement and all rights and obligations hereunder, including matters of construction, validity and performance shall be governed by the laws of the state of Illinois including the Uniform Commercial Code as enacted in that jurisdiction, without giving effect to the principles of conflicts of law thereof. Any controversy or claim arising out of or relating to this contract, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitrator shall award reasonable attorney’s fees and costs (including but not limited to all administrative fees and fees paid to the arbitrator) to the prevailing party.




The Refractory Studio website and all intellectual property rights included in or related to the Refractory Studio website (including but not limited to copyrights, trademarks, service marks, trade dress rights, domain name rights, patents and data rights), are owned or licensed by us, and all right, title and interest in the Refractory Studio website and the intellectual property rights remain our property. Please note that pictures of Refractory Studio products on the Refractory Studio website are not in the public domain and you are not permitted to copy, download, modify or redistribute or redisplay these images without our prior written consent. You may not, and these Terms of Use do not give you permission to, reproduce, reverse engineer, decompile, disassemble, modify or create derivative works with respect to the Refractory Studio website or the intellectual property rights reflected on that website. Furthermore, you may not remove any copyright, trademark or other intellectual property or proprietary notice or legend contained on the Refractory Studio website or its content.

Privacy Policy

Refractory (referred to as “our,” “us,” or “we”) respects and values your privacy. As part of our commitment to use the information you share with via and Refractory, we want you to be familiar with how we collect, use, and disclose information relating to you, your computer, or your device and that enables your identification (“Personal Information”).  This privacy notice applies solely to information collected by this web site. 

This Privacy Statement is incorporated into our Website's Terms and Conditions by reference, as if set forth fully therein.  By using the Website, you agree and consent to the Terms and Conditions, and by using the Site or services provided by us offline, you agree and consent to this Privacy Statement.


Collection of your Personal Information

In order to better provide you with products and services offered, Refractory may collect personally identified information, such as your:

First and Last Name
Mailing Address
Email Address
Phone Number
Job Title

If you purchase Refractory’s products or services, we collect billing and credit information.  This information is used to complete the purchase transaction.

We do not collect any personal information about you unless you voluntarily provide it to us.  However, you may be required to provide certain personal information to us when you elect to use certain products or services.  These may include: (a) registering for an account; (b) signing up for special offers from selected third parties; (c) sending us an email message; (d) submitting your credit card or other payment information when ordering and purchasing products and services.  We will use your information for, but not limited to, communicating with you in relation to products and /or services you have requested from Refractory.  We also may gather additional personal or non-personal information in the future.


Use of your Personal Information

Refractory collects and uses your personal information to operate and deliver products and services that you have requested. 

Refractory may also use your personal identifiable information to inform you of other products or services available from Refractory and its affiliates.


Sharing Information with Third Parties

Refractory does not sell, rent or lease its customer lists to third parties

Refractory may, from time to time contact you on behalf of external business partners about a particular offering that may be of interest to you.  In those cases, your unique personally identifiable information (email, name, address, telephone number) is transferred to the third party.  Refractory may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries.  All such third parties are prohibited from using your personal information except to provide these services to Refractory, and they are required to maintain the confidentiality of your information.  

Refractory may disclose your personal information, without notice, if required by law or in the good faith belief that such action is necessary to: (a) confirm to the edicts of the law or comply with legal process served on Refractory or the site; (b) protect and defend the rights or property of Refractory; and/or (c) act under exigent circumstances to protect the personal safety of users of Refractory, or the public.


Opt-Out of Disclosure of Personal Information to Third Parties

In connection with any personal information we may have disclosed to a third party for business purpose, you generally have the right to: (a) unsubscribe from promotional and marketing communications; (b) opt out of our selling your information to third parties; (c) request deletion of Personal Information when there is no longer a legitimate reason to keep it.

We will try to comply with your request(s) as soon as reasonably practicable. We respect your privacy and give you the opportunity to opt-out of receiving announcements of certain information.  To opt-out of third party communications and/or disclosure of your personal information, contact Refractory as follows:

Phone: 800-957-2577

Please note that if you opt-out, we will not be able to remove your Personal Information from the databases of our Affiliates, Promotional Partners and other third parties with which we have already shared your Personal Information (i.e., to which we have already provided your Personal Information as of the date that we implement your opt-out request). Please also note that if you opt-out of receiving marketing-related messages from us, we may still send important administrative messages to you, and you cannot opt-out from receiving such administrative messages. For example, when you place an order, we will continue to confirm your order and shipment status by email. We may also need to contact you via telephone, email or postal mail with information or questions regarding your order.


Security of your Personal Information

Refractory secures your personal information from unauthorized access, use, or disclosure.  

Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will: 

Delete your personal information from our records; and direct any service providers to delete your personal information from their records.

Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:

Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us; Detect security incidents protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity; Debug to identify and repair errors that impair existing intended functionality; Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
Enable solely internal uses that are reasonably aligned with your expectations  based on your relationship with us; Comply with existing legal obligation; or
Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.


Children's Online Privacy Protection Act (COPPA)

Refractory does not knowingly collect personally identifiable information from children under the age of thirteen.  If you are under the age of thirteen, you must ask your parent or guardian for permission to utilize the website and content at


Email Communications

From time to time, Refractory may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication.  In order to improve our products and services, we may receive notification when you open an email from Refractory or click on a link therein.

If you would like to stop receiving marketing messages or promotional communications via email from Refractory, you may opt-out of such communications by clicking on the unsubscribe link.

External Data Storage Sites

We may store your data on services provided by third party hosting vendors with whom we have contracted.

Changes to this Statement

Refractory reserves the right to change this Privacy Policy from time to time.  Refractory reserves the right to change, modify, or otherwise alter the Privacy Policy, and its website, at any time and at its sole discretion without notice. Such modifications shall become effective immediately upon the posting thereof on Refractory’s website. Therefore, you should review Refractory’s privacy policy each time you visit the website. The most current version of the Privacy Policy can be found on Refractory’s website.



Website Terms of Use

The standard Website Terms of Use written on this webpage shall manage your use of our website at

These Terms will be applied fully and affect your use of this Website.  By using this Website, you agree to accept all terms and conditions undermentioned.  You must not use this Website if you disagree with any of these standard Website Terms of Use.

Intellectual Property Rights

Other than the content you own, under these Terms, Refractory and/or its licensors own all the intellectual property rights and materials contained in this Website. You are granted limited license only for purposes of viewing the material contained on this Website.


In connection with Refractory and Refractory’s website, you must not:

Publish any Website material in any other media; Sell, sublicense and/or otherwise commercialize any Website material; Publicly perform and/or show any Website material; Use this Website in any way that is or may be damaging to Refractory and Refractory’s website; Use this Website in any way that impacts user access to this Website; Use this Website contrary to applicable laws and regulations, or in any way may cause harm to the Website, or to any person or business entity; Engage in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website; Use this Website to engage in any advertising or marketing.

Registration / Usernames & Passwords

Buyer may need to register to us all or part of Refractory’s website.  We may reject, or require that you change, any username, password or other information that you provide to us upon registration.  Your username and password are for your personal use only and should be kept confidential; Buyer, and not Refractory, are responsible for any use or misuse of your user name or password, and you must promptly notify Refractory of any confidentiality breach or unauthorized use of Buyer’s user name, password or account for any Refractory website.

No Warranties

This Website is provided “as is,” with all faults, and Refractory expresses no representations or warranties, of any kind related to this Website or the materials contained on this Website.  Also, nothing contained on this Website shall be interpreted as advising you.

Limitation of Liability 

In no event shall Refractory, nor any of its officers, directors and employees, be held liable for anything arising out of or in any way connected with your use of this Website whether such liability is under contract.  Refractory,, including its officers, directors and employees shall not be held liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.


You hereby indemnify to the fullest extent Refractory from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.


If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.

Variation of Terms

Refractory is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review these Terms on a regular basis.


Refractory is allowed to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification. However, you are not allowed to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.

Entire Agreement

These Terms constitute the entire agreement between Refractory and you in relation to your use of this Website, and supersede all prior agreements and understandings.

Governing Laws & Jurisdiction

These Terms will be governed by and interpreted in accordance with the laws of the United States of America and the State of Illinois, and you submit to the non-exclusive jurisdiction of the state and federal courts located in Illinois for the resolution of any disputes.