I received an email saying that I need to add a credit card or risk losing access. I am automatically billed $97 each month since being on the BookRich.io platform. I am not sure what the sub-account is that was referenced in the email. Premium is $47/mo. and from what I understood, those of us who were with Ash before we would just keep paying thd $97. Please clarify what I am currently paying for at $97/mo., what is included in Premium, and what I am risking losing based on the email about the sub-account. Is the $97 covering my Premium and continued access to Bookrich.io? Thanks!