Terms and Conditions

Draft for business/legal review only. Not legal advice. Must be reviewed by qualified counsel before publication.

Terms and Conditions - THIRD DRAFT

Date: 2026-06-08 Mode: Draft-only harmonized text Prepared by: Hermes

These Terms and Conditions (the “Terms”) govern access to and use of the TarotAndAstrology Platform, including tarotandastrology.com, live.tarotandastrology.com, related Websites, account tools, booking flows, Session tools, messaging tools, payment flows, and support features made available by [JASON DECISION REQUIRED: insert exact legal entity name] (the “Company”).

This is a business and legal review draft only. It is not final and is not ready for publication.

1. Acceptance of These Terms

By accessing or using the Platform, creating an Account, booking a Session, purchasing Services, communicating through the Platform, or otherwise using the Platform, you agree to these Terms.

If you do not agree to these Terms, you must not use the Platform.

These Terms are intended to apply to Customers using tarotandastrology.com and live.tarotandastrology.com. Readers/Practitioners, Studios, Managers, and other operational parties may also be subject to separate agreements or Policies.

[JASON DECISION REQUIRED] [LAWYER REVIEW REQUIRED] Confirm whether one shared customer Terms document should govern both domains or whether separate customer terms are preferred.

2. Company and Defined Terms

The Platform is operated by [JASON DECISION REQUIRED: insert exact legal entity name], with a business or legal notice address at [JASON DECISION REQUIRED: insert address]. [LAWYER REVIEW REQUIRED]

In these Terms:

  • “Platform” means the TarotAndAstrology service environment, including related Websites, account tools, booking flows, Session tools, messaging functions, payment flows, and support features.
  • “Website” means any individual webpage or browser-based interface forming part of the Platform.
  • “Customer” means a User who purchases, books, requests, attends, or pays for Services through the Platform.
  • “Reader/Practitioner” means an individual approved by the Company to provide tarot, astrology, spiritual guidance, personal insight, or similar advisory Services through the Platform.
  • “Session” means any live, scheduled, on-demand, or asynchronous interaction between a Customer and a Reader/Practitioner conducted through or arranged on the Platform.
  • “Credits” means any prepaid balance, promotional value, stored-value unit, or similar internal value mechanism that may be used toward eligible Services on the Platform.
  • “Refunds” means the reversal, return, crediting, or reimbursement of amounts previously paid by a Customer for Services, whether provided to the original payment method, as Credits, or by another approved method.
  • “Chargebacks” means payment reversals, retrievals, disputes, reversals of settlement, or similar transaction disputes initiated through a card issuer, financial institution, payment processor, or payment service provider after a Payment has been processed.
  • “Personal Information” means information about an identifiable individual, or information that can reasonably be linked to an identifiable individual, as defined by applicable privacy law. [LAWYER REVIEW REQUIRED]
  • “Recordings” means any captured or stored audio, video, screen capture, session capture, or other preserved media generated from or related to use of the Platform or a Session. [LAWYER REVIEW REQUIRED]
  • “Transcripts” means written, machine-generated, AI-generated, human-generated, or hybrid text records or summaries of communications, Sessions, support interactions, or related Platform activity.
  • “AI Tools” means automated or machine-assisted tools, including artificial intelligence, machine learning, speech-to-text, summarization, moderation, classification, safety review, recommendation, fraud detection, or support-assistance tools, used by or on behalf of the Company in connection with the Platform or Services.

3. Eligibility and Account Registration

You may use the Platform only if:

  • you are at least 18 years of age, or the age of majority in your jurisdiction, whichever is higher;
  • you are legally capable of entering into binding agreements; and
  • your use of the Platform is not prohibited by applicable law.

[LAWYER REVIEW REQUIRED] Counsel should confirm the final age and capacity wording for the jurisdictions the Platform intends to serve.

If you create an Account, you agree to:

  • provide accurate, current, and complete information;
  • keep your Account information updated;
  • maintain the confidentiality of your login credentials;
  • promptly notify the Company of unauthorized access to or use of your Account; and
  • accept responsibility for activity occurring through your Account unless caused by the Company’s own fault.

You must not create an Account using false or misleading information, impersonate another person or entity, or use the Platform for fraudulent or unauthorized purposes.

4. Services Provided

The Platform offers tarot readings, astrology readings, spiritual guidance content, personal insight services, and related customer support and account functions.

Depending on the business model actually in use, Services may include live Sessions, scheduled appointments, messaging-based Sessions, voice Sessions, video Sessions, informational content, and related support or administrative functions.

[JASON DECISION REQUIRED] Confirm which service channels are actually offered at go-live, including whether Services include chat, phone, video, appointments, messaging, follow-up notes, or other tools.

The Company may modify, suspend, or discontinue any part of the Platform or Services at any time, subject to applicable law and any obligations already owed for paid Services.

5. Entertainment and Spiritual Guidance Disclaimer

The Platform and Services are offered for entertainment, spiritual guidance, self-reflection, and personal insight purposes.

The Company and its Readers/Practitioners do not promise objective truth, scientific certainty, guaranteed accuracy, or guaranteed results. Customers remain responsible for their own choices, actions, relationships, financial decisions, legal decisions, health decisions, and other outcomes.

[LAWYER REVIEW REQUIRED] Counsel should confirm the final balance between entertainment wording and broader spiritual-guidance wording so the document reflects the intended business model without creating unnecessary legal risk.

6. No Medical, Legal, Financial, Mental Health, Emergency, or Regulated Advice

The Platform and Services are not a substitute for licensed or regulated professional services.

Services are not:

  • medical advice, diagnosis, treatment, or health care;
  • legal advice or legal representation;
  • tax, accounting, investment, securities, or financial advice;
  • psychotherapy, counseling, psychiatric care, crisis intervention, or mental health treatment; or
  • emergency services.

If you require medical care, legal counsel, financial advice, mental health support, or emergency assistance, you should seek help from a qualified professional or emergency service provider.

[LAWYER REVIEW REQUIRED] Counsel should confirm the final disclaimer wording and any mandatory consumer-protection qualifiers.

7. No Guaranteed Outcomes

The Company and its Readers/Practitioners do not guarantee:

  • the accuracy of any reading, insight, interpretation, or forecast;
  • the occurrence, timing, or non-occurrence of future events;
  • compatibility, reconciliation, relationship success, or personal transformation;
  • financial, business, legal, health, academic, career, or family outcomes;
  • uninterrupted availability of any specific Reader/Practitioner; or
  • any specific Customer experience or result.

Any decision you make based on the Platform or Services is your responsibility.

8. Customer Responsibilities and Prohibited Conduct

You agree to use the Platform lawfully, responsibly, and respectfully. In particular, you agree to:

  • provide accurate information when creating an Account or booking a Session;
  • use the Platform only for lawful personal or authorized business purposes;
  • communicate respectfully with Readers/Practitioners, support staff, and other Users;
  • comply with these Terms and applicable Policies;
  • use lawful payment methods that you are authorized to use; and
  • cooperate reasonably with support, fraud review, and account verification processes where required.

You must not, directly or indirectly:

  • harass, threaten, stalk, abuse, exploit, defame, or intimidate any User, Customer, Reader/Practitioner, staff member, or other person;
  • engage in fraud, refund abuse, Chargeback abuse, impersonation, or deceptive conduct;
  • use bots, scrapers, automated tools, or technical means to access, copy, monitor, or interfere with the Platform without authorization;
  • hack, reverse engineer, probe, or disrupt the Platform or its security features;
  • upload, transmit, or use unlawful, infringing, malicious, or abusive content;
  • disclose another person’s Personal Information without authorization;
  • create unauthorized screenshots, Recordings, or copies of Sessions or communications where prohibited by the Platform or applicable law;
  • attempt to bypass fees, booking controls, or payment flows; or
  • solicit off-platform payment, off-platform booking, or unauthorized direct dealing with a Reader/Practitioner.

[JASON DECISION REQUIRED] Confirm how strict the Company wants to be about off-platform contact, off-platform payment, and customer diversion.

9. Reader/Practitioner Listings and Sessions

Reader/Practitioner listings, profiles, descriptions, availability indicators, schedules, ratings, and related materials are provided for informational and operational purposes only. The Company does not guarantee that any Reader/Practitioner will be continuously available, suitable for a particular Customer, or free from scheduling interruptions.

Sessions may be delayed, interrupted, rescheduled, shortened, or cancelled because of Reader/Practitioner availability, Customer availability, technical issues, safety concerns, fraud concerns, compliance concerns, or other operational reasons.

The Company may establish rules for scheduling, participation, lateness, cancellations, no-shows, and troubleshooting. Customer-facing remedies for missed Sessions, technical failures, dissatisfaction claims, Credits, and Refunds are governed by the Refund Policy.

[LAWYER REVIEW REQUIRED] Confirm whether Readers/Practitioners are presented to Customers as independent contractors, separate service providers using the Platform, or another relationship model.

10. Payments, Credits, Refunds, Chargebacks, and Billing

By purchasing or booking Services, you authorize the Company and its payment processors to charge the payment method you provide for all applicable amounts, including session fees, booking fees, prepaid balances, taxes, processor-related charges where disclosed, and any other fees clearly presented at checkout or booking.

Payments may be taken in advance, reserved, captured at booking, captured at Session start, or otherwise processed according to the Platform’s billing design.

[JASON DECISION REQUIRED] Confirm the actual billing model used in production.

If the Platform uses Credits, they may be purchased or issued for eligible Services and may be subject to disclosed usage restrictions, expiration rules, or non-transferability rules. Credits may be treated differently from cash payments under the Refund Policy.

[JASON DECISION REQUIRED] Confirm whether Credits are active, how they function, and whether they are promotional, purchased, or both.

All Refunds, credits, reversals, and disputes are subject to the Refund Policy, these Terms, and any applicable processor or card-network rules.

If a payment is declined, reversed, cancelled, charged back, or otherwise fails, the Company may suspend or limit access to the Platform, cancel pending bookings or Services, investigate the transaction, require an alternate payment method, or take other action permitted by these Terms, the Refund Policy, applicable law, and processor rules.

11. Third-Party Payment Processors, Including CCBill Where Applicable

Payments made through the Platform may be handled by third-party payment processors, including CCBill where applicable, as well as other payment service providers designated by the Company from time to time.

Those third parties may have their own terms, privacy practices, verification procedures, fraud controls, and dispute processes. By using the Platform, you acknowledge that payment processing may be subject to third-party terms and card-network rules, and that processor approvals, declines, fraud flags, and dispute outcomes may affect access to Services.

The Company may rely on processor confirmations and transaction statuses and is not responsible for independent acts or omissions of processors outside the Company’s control.

[JASON DECISION REQUIRED] Confirm whether CCBill is currently active across all relevant customer flows, only some flows, or not at all.

12. Privacy, Personal Information, Session Data, Recordings, Transcripts, and AI Tools

The Company collects, uses, stores, and discloses Personal Information in accordance with the Privacy Policy.

By using the Platform, you acknowledge that the Platform may process Account information, booking information, Session-related information, support communications, payment-related information, technical usage data, and other information reasonably required to operate the Platform and provide the Services.

The Platform may create, retain, review, or process session-related data, communications, support records, chat logs, notes, Transcripts, summaries, or similar operational materials for customer support, quality assurance, fraud review, safety review, billing review, moderation, or service improvement.

[JASON DECISION REQUIRED] [LAWYER REVIEW REQUIRED] Confirm whether the Platform creates or stores any Recordings, the circumstances in which Recordings may be made, the notice and consent structure, and the retention limits.

[JASON DECISION REQUIRED] [LAWYER REVIEW REQUIRED] Confirm whether the Platform uses AI Tools for speech-to-text, summarization, moderation, support assistance, fraud detection, quality review, or workflow assistance, and how those practices are disclosed.

Customers must not create or distribute unauthorized screenshots, Recordings, copies, or reproductions of Sessions, communications, or Platform content where prohibited by the Platform or applicable law.

13. Account Suspension and Termination

The Company may suspend, restrict, investigate, or terminate your access to the Platform if it reasonably believes that:

  • you have breached these Terms or applicable Policies;
  • fraud, abuse, payment misuse, Chargeback abuse, or refund abuse has occurred or is suspected;
  • your conduct creates safety, privacy, legal, or reputational risk;
  • continued access could disrupt the Platform or other Users; or
  • suspension or termination is required for legal or operational compliance.

The Company may also discontinue offering Services to you for business, operational, or legal reasons, subject to applicable law and any Refund obligations that may apply.

[LAWYER REVIEW REQUIRED] Counsel should confirm the final wording governing post-termination balances, pending bookings, refund handling, and retention of Account records.

14. Intellectual Property

The Platform, including its text, software, branding, trade names, logos, graphics, layout, content selection, underlying systems, and related materials, is owned by or licensed to the Company and is protected by applicable intellectual property laws.

Subject to these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your personal, lawful use.

Without the Company’s prior written consent, you must not copy, republish, distribute, sell, sublicense, commercially exploit, or create derivative works from protected Platform materials, remove proprietary notices, or use the Platform in a way that infringes the rights of the Company or third parties.

15. Third-Party Links and Services

The Platform may contain links to or integrations with third-party websites, tools, services, or content. Those third parties are not controlled by the Company unless expressly stated.

The Company does not endorse and is not responsible for third-party terms, availability, privacy practices, content, products, or services. Your dealings with third parties are between you and the relevant third party.

16. Disclaimers

To the fullest extent permitted by applicable law, the Platform and Services are provided on an “as is” and “as available” basis.

The Company does not warrant that the Platform will always be uninterrupted, timely, secure, or error-free; that any Reader/Practitioner, feature, or communication channel will always be available; that defects will always be corrected immediately; or that the Platform or Services will meet every Customer expectation.

[LAWYER REVIEW REQUIRED] Counsel should confirm that the final disclaimer structure is appropriate for a Canadian and British Columbia consumer-facing framework.

17. Limitation of Liability

To the fullest extent permitted by applicable law, the Company and its affiliates, officers, directors, employees, contractors, licensors, service providers, and agents will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for loss of profits, loss of revenue, loss of data, business interruption, or reputational harm arising from or related to the Platform or Services.

To the fullest extent permitted by applicable law, the aggregate liability of the Company arising out of or relating to the Platform or Services will not exceed the greater of:

  • the amount paid by you to the Company for the specific Service giving rise to the claim in the 90 days preceding the event giving rise to the claim; or
  • the minimum amount required by applicable law, if a higher statutory minimum applies.

[LAWYER REVIEW REQUIRED] Counsel should review the proposed liability cap, required carve-outs, and any consumer rights that cannot legally be waived or limited.

18. Indemnification

You agree to indemnify and hold harmless the Company and its affiliates, officers, directors, employees, contractors, agents, and service providers from and against claims, liabilities, damages, losses, costs, and expenses, including reasonable legal fees, arising out of or relating to:

  • your breach of these Terms or applicable Policies;
  • your misuse of the Platform;
  • your unlawful conduct;
  • your infringement of another person’s rights;
  • your fraud, payment misuse, refund abuse, or Chargeback abuse; or
  • your unauthorized disclosure or misuse of Personal Information or Confidential Information.

[LAWYER REVIEW REQUIRED] Counsel should confirm the final scope and enforceability of this indemnity in a consumer-facing Canadian and British Columbia legal stack.

19. Governing Law and Dispute Resolution [LAWYER REVIEW REQUIRED]

These Terms and any dispute, claim, or controversy arising out of or relating to the Platform, the Services, or these Terms will be governed by the laws of [LAWYER REVIEW REQUIRED: confirm intended governing law and venue, currently expected to be British Columbia, Canada], without regard to conflict-of-law principles to the extent permitted by law.

Any dispute-resolution clause, forum-selection clause, arbitration clause, class-action waiver, or mandatory pre-dispute process must be reviewed and approved by qualified counsel before publication.

[JASON DECISION REQUIRED] Confirm whether the business intends to use court-based dispute resolution, arbitration, a stepped escalation or mediation process, or another structure.

20. Changes to These Terms

The Company may update these Terms from time to time. If the Terms are updated, the Company may provide notice by posting the revised Terms on the Platform, updating the effective date, sending Account notices, or using other reasonable communication methods.

Your continued use of the Platform after revised Terms take effect constitutes acceptance of the revised Terms, except where applicable law requires a different form of notice or acceptance.

21. Contact Information

Questions about these Terms may be directed to:

  • Email: [JASON DECISION REQUIRED: confirm support or legal email]
  • Mail: [JASON DECISION REQUIRED: confirm legal notice address]

[LAWYER REVIEW REQUIRED] Counsel should confirm the proper legal notice channel and whether separate privacy, billing, and legal notice contacts should be listed.

22. General Provisions

If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law.

Any failure by the Company to enforce a provision of these Terms is not a waiver of that provision or any other provision.

These Terms, together with the Privacy Policy, Refund Policy, and any other expressly incorporated Policies, form the agreement between you and the Company regarding customer use of the Platform, subject to any separate agreement that expressly applies to a specific role or service.

Internal review reminders before any publication

  • Insert exact Company name and notice address.
  • Confirm billing model and Credits model.
  • Confirm whether CCBill is active and whether other processors must be named.
  • Confirm whether Recordings, Transcripts, or AI Tools are actually used.
  • Confirm the intended dispute-resolution structure.
  • Confirm whether off-platform solicitation and contact language should be strict or limited.

No production changes applied.