Privacy Policy
Disclaimer & Terms

Last Updated: June 20th, 2016


Welcome to Karma Psychic Network. Karma Psychic Network provides psychic and astrological entertainment services ("Services"), including providing live psychic and astrology services, and publishing newsletters, blogs, horoscopes and other psychic and astrological content.
Your use of the Services and the Karma Psychic Network Site (www.karmapsychicnetwork.com) including, without limitation, all content, information, text, questions, comments, ideas, graphics, images, tools, and software programs contained in the Sites and related materials, is governed by these terms and conditions of use ("Terms of Use"), and is subject to arbitration (as set forth below).
The Services and the Sites are provided by Christine Seebold doing business as Karma Psychic Network (the "Company," "We," or "Karma Psychic Network") for entertainment purposes only. You must be eighteen (18) years of age or older to open an account ("Account") and get psychic readings and related services ("Readings"). You must be sixteen (16) years of age or older to sign up to receive horoscopes and newsletters. All credit and debit card purchases must be made by the card holder. At Karma Psychic Network we want you to enjoy and benefit from your Readings. Our psychics make every effort to provide you with helpful advice. However, this information should not be used in place of any recommendations by medical, legal or financial professionals or other professional counselors. It is your responsibility to evaluate any information, opinion, advice or other content provided through the Sites or in conjunction with the Services.

By visiting and using the Sites or Services, you acknowledge that you have read the Terms of Use and that you accept and agree, without limitation or qualification, to be bound by the terms hereof. Karma Psychic Network reserves the right, at its sole discretion, to change these Terms of Use from time to time, and your continued access to and use of the Sites and/or Services will be deemed to be your acceptance of and agreement to any such changed terms and conditions. If you do not wish to be bound to these Terms of Use (or any revisions to these Terms of Use), you must discontinue use of the Sites and the Services and immediately cancel your Account by calling our Customer Service at 1-518-915-9119.

We know that the privacy of your personal information is important to you. The personal information you submit to Karma Psychic Network is governed by the Privacy Policy, which is incorporated herein by reference and made a part of these Terms of Use. To the extent there is an inconsistency between the Terms of Use and the Privacy Policy, the Privacy Policy shall govern.

Not for Use in Certain Jurisdictions
The Services may not be used by residents of any jurisdiction where such use is prohibited.

To sign-up to receive horoscopes and newsletters, you must be sixteen (16) years of age or older. To open an Account and access Readings, you must be eighteen (18) years of age or older.

To access Readings, you must create an Account. You certify that the information given to Karma Psychic Network upon opening your Account is true and complete. Karma Psychic Network will not be responsible for any false statements you make in the Account-opening process.

Payment and Charges
You agree to pay for all Services, including Readings, purchased using your Account. Charges for Readings are calculated based on full-minute increments, and the length of a Reading is rounded up to the next full-minute at the end of each Reading.

Confidentiality of Account Information
You agree to maintain the confidentiality of your Account information, including your password ("Password") and personal identification number ("PIN"), and to notify the Company of any unauthorized use of your Account, Password or PIN, or any other breach of security.

To access any Services that require purchases, including Readings, you must purchase or receive "Karma Psychic Networks Free Minutes" which will be deposited into your Account. Any balance associated with your Account will be denominated in Karma Psychic Networks Minutes rather than U.S. Dollars or another currency. Karma Psychic Networks Minutes can only be used to purchase or access Services. Karma Psychics Networks Minutes have no cash value and are not redeemable for cash except to the extent required by law. Karma Psychic Networks Minutes are issued by the Company. However, the Company may in its discretion assign any obligations it may have with respect to Karma Psychic Networks Minutes to an affiliate or third party, without recourse. In the event of any such assignment, you agree that such assignee, and not the Company, shall be solely liable to you with respect to the Karma Psychic Networks Minutes.

Karma Psychic Networks Minutes never expire, but the Company reserves the right to impose service fees, maintenance fees, inactivity fees or similar fees against the outstanding balance of your Karma Psychic Networks Minutes by providing advance notice of such fees in these Terms of Use, or by providing advanced direct notice to you by email.
You may add Karma Psychic Networks Minutes to your Account by purchasing a package of Karma Psychic Networks Minutes (a "Package"). You may purchase a Package on the Sites, by calling our Customer Service, or through our automated phone system.

You may also receive promotional Karma Psychic Network through the Rewards program or through other offers, customer accommodations, or for other reasons, as discussed further below.
To redeem your Karma Psychic Network Minutes for Services, your Account must be active.
Package purchases and Karma Psychic Network Minutes balances are not refundable (except in the limited instances explained below regarding Our Satisfaction Guarantee), and they may only be redeemed for Services.
Accounts only remain active and valid for a period of one year from the date of your last purchase of a Package or your most recent Reading. However, as noted above, your Karma Psychic Network Minutes do not expire and may be redeemed by you after your Account has become inactive, provided that you successfully reactivate your Account. You may reactivate your Account by calling our Customer Service.

Refusal of Services
We reserve the right to refuse the provision of Services to any person for any reason. We also reserve the right to pursue legal action against any person who commits fraud, or otherwise violates applicable laws, on our Sites or using our Services. Furthermore, a reader has the right to terminate the provision of Services at any time if a customer’s comments and/or behavior are deemed by the reader to be inappropriate, abusive, or threatening. Readers will report the termination to Customer Service and such a customer may be denied future access to the Sites and/or Services. Any such report made by a reader to us shall not be deemed a violation of our Privacy Policy.

Our Satisfaction Guarantee
We don't guarantee that readers’ predictions will come true, but we do our best to ensure that you enjoy the Readings. To ensure your satisfaction with your Reading experience, we offer a guarantee on your most recently paid Reading. Specifically, we will credit your Account with Karma Psychic Networks Minutes in accordance with the following guidelines:

To request a credit, please call Customer Service at 1-518-915-9119 
      within 24 hours of the Reading in question. If you do not request a credit within 24 hours of the Reading, we reserve the right to refuse to issue a credit.
If you make a request within 24 hours, we will credit your Account in Karma Psychic Networks Minutes for an amount determined at the sole discretion of Karma Psychic Network based on your Reading length and            circumstances; provided, however, that no credit granted can exceed the Karma Psychic Network Minutes equivalent of a 15 minute Reading. Credit requests are limited to one unsatisfactory paid Reading per month.
This satisfaction guarantee is valid once per reader and does not apply to Readings with readers for whom you have received any credit in the past from this guarantee.
All Account credits under this guarantee are issued in Karma Psychic Networks Minutes. No cash refunds will be provided for any reason.
For us to issue a credit to your Account, you must have an Account that is active and in good standing.
Only genuine issues relating to your satisfaction with the Reading in question (as determined at our sole discretion) will be considered for a credit request. We reserve the right to refuse to issue a credit.

Discounts and Offers
Unless otherwise specifically provided, all coupons, discounts and special offers are non-transferable, valid for a limited period of time, can be used only once per customer, and may not be combined with any other coupon, discount or special offer. Unless otherwise specifically provided, introductory offers are valid only for new customers on their first purchase. There is a limit of one introductory offer per person, credit card, phone number, address, and email, and anyone who attempts to circumvent this limitation may be refused service.

Information provided through our Services, on the Sites, and in other Karma Psychic Network materials, including, but not limited to, information provided in newsletters, horoscopes, and Readings, is for entertainment purposes only. Information from the Company or its affiliates or their employees or contractors, including, but not limited to, the readers, is not intended to be a substitute for any professional advice, including, but not limited to, (a) professional medical advice, diagnosis, or treatment, (b) professional financial or investment advice or guidance, or (c) professional legal advice. Never disregard or delay seeking professional medical advice or other professional advice because of something you have read on the Sites or information received through our Services. The Company is not engaged in the practice of medicine or law and does not recommend or endorse any specific products, procedures, treatments, medications, opinions, or other information that may be mentioned, discussed, or described on the Sites or in Karma Psychic Network materials or through our Services. The Company is not engaged in the business of providing financial or investment advice and its employees and contractors are not registered financial advisors. Your reliance on the information provided by the Company, by a Karma Psychic Network employee or contractor, by a third party moderator, by Karma Psychic Network sponsors, or by other users of the Sites or Services is solely at your own election or choice. Any and all decisions that you make that are based in whole or in part upon information provided by the Company, its employees, its contractors, or its sponsors, or otherwise available on the Sites, will be your sole and exclusive responsibility.

Neither the Company nor any of its affiliates has any responsibility or obligation to notify you of your accumulated charges or other expenses with us. The amount of time you spend with the readers will be reflected in your charges and is solely at your own election or choice. The Company does not monitor usage patterns and is under no obligation to any customer to take any action or to refrain from taking any action with respect to usage of the Sites or Services.

No advice or information, whether oral or written, obtained by you from the Company or its affiliates through the Sites or Services shall create any warranty, representation or guarantee not expressly stated in these Terms of Use. The Company makes no warranty or representation that availability or use of the Sites or Services will be uninterrupted or error-free. The information provided on, from or through the Company, its Services and the Sites is provided "as-is" and "as available," and all warranties, express or implied, are disclaimed (including, but not limited to, the disclaimer of any implied warranties of merchantability, fitness for a particular purpose, title and non-infringement). The Sites and related information and Services may contain bugs, errors, problems or other limitations. The Company and its affiliates have no liability whatsoever for your use of the Sites and Services and any such information or service.

You expressly understand and agree that neither the Company nor any of its directors, employees, shareholders, affiliates (including parent or subsidiary companies), agents, representatives, joint venture parties, independent contractors, third-party information providers, merchants or licensors (collectively "Parties"), will be liable to you, in contract or in tort, for any loss or damages, either actual or consequential, arising out of or relating to these Terms of Use or Karma Psychic Network Minutes, or to your (or any third party's) use or inability to use the Sites or the Services, or to your reliance upon any information. In particular, the Parties will have no liability for damages of any kind, including, without limitation, compensatory, consequential, direct, indirect, punitive, special or incidental damages, whether foreseeable or unforeseeable, (including, but not limited to, claims for defamation; errors; loss of data, income, or profit, loss or damage to property; or interruption in availability of data), arising out of or relating to these Terms of Use, your use or inability to use the Sites or the Services, or to your reliance upon any information, whether based in verbal agreement, contract, tort, statutory or other law, except only in the case of death or personal injury where, and only to the extent that, applicable law requires such liability. The remedies provided for under these Terms of Use are exclusive and are limited to those expressly provided for in these terms. Because some states or jurisdictions do not allow the exclusion or limitation of liability for consequential, incidental, or special damages or of implied warranties, in such states and jurisdictions liability is limited to the greatest extent permitted by law.
The disclaimers and limitation of liability set forth herein are fundamental elements of the basis of the bargain between the Company and you. The Sites and the information provided therein and the Services would not be provided without such disclaimers and limitations.

Any articles, press clippings or other third-party publications (collectively, "Publications") made available through the Sites are furnished by the Company for your convenience and entertainment. The Company is a distributor (and not a publisher) of content supplied by third parties (including users). Any opinions, advice, statements, services, offers or other information made available by third parties, including psychics, information providers, or any user of the Sites, are those of the respective author(s) or publisher(s) and not of the Company or its affiliates. The Company disclaims any representation, either express or implied, that the information in such publications is accurate or complete.

Your right to use the Sites and the Services is personal to you. You are solely responsible for the contents of your transmissions through the Sites and your use of the Services is subject to all applicable local, state, national and international laws and regulations. By using the Sites or the Services, you agree:
not to use the Sites or the Services for illegal purposes;
not to interfere with or disrupt networks connected to the Sites;
to comply with all applicable regulations, laws, statutes, etc., regarding your use of the Services, including, but not limited to, laws and regulations relating to the use of the Sites or the Services to send electronic             mail;
not to use the Sites or the Services to send chain mail, junk mail, spamming or any use of distribution lists to any person who has not given specific permission for such use;
not to use the Sites or the Services for the transmission of any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, or obscene material or communication of any kind or any nature;
not to interfere with any other user’s access to or use of the Sites or the Services;
not to record Readings or use any audio recording or retention devices/technology in connection with Readings without the express written consent of the Company; and
      not to speak or act in a manner that is deemed by a reader to be inappropriate, abusive, or threatening.

The Company reserves the right, in its sole discretion, to immediately terminate your access to and use of the Sites or the Services, including your right to redeem any Karma Psychic Network Minutes, without right to refund, for any violation of these Terms of Use.
Important Note: It is a violation of our Terms of Use for you to be in direct contact with any of our readers outside the Service or to ask any of our readers for their direct contact information. If you do so in violation of these Terms of Use, the Company bears no liability for any resulting actions, and your ability to use the Services and to redeem any Karma Psychic Network Minutes may be revoked. Any such activities in violation of our Terms of Use, may be reported to the Company by our readers and any such reports shall not be deemed a violation of our Privacy Policy.

The Sites may contain hyperlinks to other websites and webpages ("Third-Party Pages"), as well as to text, graphics, videos, images, music, sounds, and information belonging to or originating from other third-parties (collectively, “Third-Party Applications”). The Company does not investigate, monitor, or review any Third-Party Pages or Third-Party Applications to ensure their accuracy, completeness, or appropriateness. The Company is not responsible for the Third-Party Pages or any Third-Party Applications accessed through the Site. You agree that the Company shall have no liability with respect to any loss or damage of any kind incurred as a result of any dealings between you and any third party, or as a result of the presence of such third party on the Sites.
The inclusion of any hyperlinks to any Third-Party Pages or Third-Party Applications on the Sites does not indicate the Company’s approval or endorsement thereof. These links are provided solely as a convenience or benefit to users. Your interactions with a third party on the Sites, or based on such third party’s participation or presence on the Sites, are solely between you and the third party. Karma Psychic Network makes no representations or warranties with respect to the content, ownership, or legality of any such linked third party website. If you choose to leave the Sites to access any Third-Party Pages or Third-Party Applications, you do so at your own risk.

The content on the Sites, including, without limitation, all designs, text, graphics, photographs, illustrations, trademarks, trade names, service marks, logos, information obtained from Company’s licensors, and other files or information ("Content"), and the selection and arrangement thereof, is proprietary property and protected by copyright under both United States and foreign laws. Any use of Content not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.
The Company hereby authorizes you to view and copy (electronically or in hard copy) Content for non-commercial personal use only, provided that any copy of these documents which you make shall retain all copyright and other proprietary notices and any disclaimer contained on the documents. Any special rules for the use of other items provided on the Sites may be included elsewhere within the Sites and are incorporated into these Terms of Use by reference. The use of Content on any other site or in a networked computer environment for any purpose is prohibited. All rights not expressly granted herein are reserved to Company and its licensors. If you violate any of these Terms of Use, your permission to use Content automatically terminates and you must immediately destroy any copies you have made of any portion of Content.
Except as expressly provided above, you may not otherwise copy, display, download, distribute, modify, post, reproduce, republish or retransmit any Content, information, text or documents contained in the Sites or any portion thereof in any electronic medium or in hard copy, or create any derivative work based on such images, text or documents, without the express written consent of the Company. No information or statement contained in these Terms of Use or the Sites shall be construed as conferring, directly or by implication, estoppel, or otherwise, any license or right under any patent, copyright, trademark or other intellectual property right of the Company, its affiliates, or any third party.
You may not, without Company’s written permission, "mirror" any Content contained in the Sites or any other server. You may not use the Sites for any purpose that is unlawful or prohibited by these Terms of Use. You may not use the Sites in any manner that could damage, disable, overburden, or impair the Sites, or interfere with any other party’s use and enjoyment of the Sites. You may not attempt to gain unauthorized access to the Sites through hacking, password mining or any other means. The Company may, at our sole discretion, limit, restrict, or terminate the access and use of the Sites of any users at any time, for any reason or for no reason at all, without prior notice or any notice.

You acknowledge that you are responsible for any information or material you provide to Company or post, upload, input, submit, or transmit to the Sites ("Submissions"), including the legality, reliability, appropriateness, originality and copyright of any such material. You may not upload to, distribute, or otherwise publish through the Sites any content which is libelous, scandalous, inflammatory, defamatory, discriminatory, false, vulgar, obscene, pornographic, profane, harassing, threatening, invasive of privacy or publicity rights, abusive, illegal, hateful or bashing, aimed at gender, race, color, sexual orientation, national origin, religious views, or disability, or otherwise objectionable, or which may constitute or encourage a criminal offense, violate the rights of any party or otherwise give rise to liability or violate any law. Additionally, you agree that you will not: (a) make any Submission that is an advertisement or solicitation of business; (b) disrupt the normal flow of dialogue or make a Submission unrelated to the topic being discussed (unless it is clear the discussion is free-form); (c) post a chain letter or pyramid scheme; (d) impersonate another person; (e) distribute viruses or other harmful computer code; (f) harvest or otherwise collects information about others, including email addresses, without their consent; (g) post the same note more than once or "spamming"; or (h) engage in any other conduct that restricts or inhibits any other person from using or enjoying the Site, or which, in the judgment of Company, exposes Company or any of its licensors, partners, or customers to any liability or detriment of any type.
Submissions shall be deemed to be non-confidential and non-proprietary. The Company shall have no obligation of any kind with respect to such Submissions and shall be free to reproduce, use, disclose, modify, display and distribute the Submissions to others without limitation. By transmitting such Submissions to the Company and the Sites, you automatically grant to the Company a perpetual, worldwide, royalty-free, irrevocable, non-exclusive right and license (with rights to sublicense) to use, reproduce, modify, adapt, publish, translate, edit and distribute such Submissions (in whole or in part) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in such Submissions. You also permit any other user of the Sites to access, view, store, or reproduce the Submissions for that user’s personal use. Without limiting the generality of the foregoing license, if you send Submissions consisting of "testimonials," you acknowledge that you grant the Company the right to publicly display all or a part of such Submission on the Sites or in any other format or media at any time.

Please note that the Company does not want to receive Submissions containing confidential information from you and any Submissions received will be deemed NOT to be confidential.
These Sites (including, without limitation, text, photographs, graphics, video and audio content) are protected by copyright as a collective work or compilation under the copyright laws of the United States and other countries, and the Company, its subsidiaries and affiliates (subject to the rights of its licensors and licensees under applicable agreements, understandings and arrangements) have rights therein. All individual articles, videos, content and other elements comprising the Sites are also copyrighted works, and the Company, its subsidiaries and affiliates (subject to the rights of its licensors and licensees under applicable agreements, understandings and arrangements) have rights therein. You must abide by all additional copyright notices or restrictions contained in the Sites. By posting or submitting content on or to the Sites (including the Company’s blog, and regardless of the form or medium with respect to such content, whether text, videos, photographs, audio or otherwise), you are giving the Company and its affiliates, agents and third party contractors the right to display or publish such content on the Sites and its affiliated publications (either in the form submitted or in the form of a derivative or adapted work, in our sole discretion), to store such content, and to distribute such content and use such content for promotional and marketing purposes. Without limiting the generality of the foregoing, with respect to any video submissions to the Sites made by you from time to time, you understand and agree that (unless you and we agree otherwise) we may, or may permit users to, based solely on functionality provided and enabled by the Sites, compile, re-edit, adapt or modify your Submission, or create derivative works therefrom, either on a stand-alone basis or in combination with other Submissions, and (unless you and we agree otherwise) you shall have no rights with respect thereto and the Company, its affiliates or its licensees shall be free to display and publish the same (as so compiled, re-edited, adapted, modified or derived) for any period.
You shall be solely responsible for your own Submissions and the consequences of posting or publishing them. In connection with each of your Submissions, you affirm, represent, and/or warrant that: (i) you own or have the necessary licenses, rights, consents, and permissions to use and authorize the Company, its affiliates and subsidiaries to use all patent, trademark, trade secret, copyright or other proprietary rights in and to any and all such Submissions to enable inclusion and use of such Submissions in the manner contemplated by us and these Terms of Use; and (ii) you have the written consent, release, and/or permission of each and every identifiable individual person in such Submissions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of such Submissions in the manner contemplated by the Company and these Terms of Use. In furtherance of the foregoing, you agree that you will not: (i) submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant the Company all of the rights granted herein; (ii) publish falsehoods or misrepresentations that could damage the Company, this Sites or any third party; (iii) submit material that is unlawful, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate; or (iv) post advertisements or solicitations of business.
We reserve the right to edit, remove or not publish Submissions without prior notice.

If you are a copyright owner or agent thereof and believe that any Submission accessible on or from the Sites infringes upon your copyright, please submit notice, pursuant to the Digital Millennium Copyright Act (17 U.S.C. § 512(c)) to our Copyright Agent with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright; (ii) a description of the copyrighted work that you claim has been infringed; (iii) the URL of the location containing the material that you claim is infringing; (iv) your name, address, telephone number, and email address; (v) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; (vi) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

You agree to indemnify, defend and hold harmless the Parties from any liability, loss, claim and expense (including attorneys' reasonable fees) related to (i) your violation of these Terms of Use, and (ii) your use of the Sites or the Services.

Except as specifically provided otherwise herein, the interpretation and enforcement of these Terms of Use and any disputes related to or arising out of your agreements with the Company or use of the Sites or Services shall be governed by the laws of your home state of residence without respect to its choice (or conflict) of laws rules. Notwithstanding the foregoing, the arbitration agreement set forth below shall be governed by the Federal Arbitration Act (as described further below).

Any dispute or claim relating in any way to your use of the Sites or Services, including the determination of the scope or applicability of this agreement to arbitrate (“Dispute”), will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

This agreement does not in any way alter your ability to bring concerns to the attention of the Company’s Customer Service, or to raise any concerns with federal, state, or local agencies. The Federal Arbitration Act, federal arbitration law, and the laws of your home state of residence, without regard to conflict of laws principles, apply to this agreement and any dispute or claim between you and Karma Psychic Network.

Any controversy or claim arising out of or relating to this Member Agreement, the breach thereof or its subject matter shall be settled by binding arbitration in accordance with the consumer commercial arbitration rules of the American Arbitration Association. The decision of the arbitrator shall be final and unappealable. The arbitration shall be conducted in Albany, New York, and judgment on the arbitration award may be entered in any court having jurisdiction thereof. Notwithstanding anything to the contrary, Karma Psychic Network, the Member, or any other party to the arbitration may at any time seek injunctions or other forms of equitable relief from any court of competent jurisdiction.

If any provision of this Member Agreement is held to be invalid or unenforceable, such provision shall be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remaining provisions shall be enforced. Keen's failure to act with respect to a breach by you or others does not waive Keen's right to act with respect to subsequent or similar breaches. The failure of Karma Psychic Network to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. This Member Agreement and any dispute arising between you and Karma Psychic Network shall be governed by and interpreted in accordance with the laws of the State of New York. You agree that this Member Agreement and the Member rules and restrictions and policies contained herein, and Karma Psychic Network's enforcement thereof, are not intended to confer and do not confer any rights or remedies upon any person other than you and Karma Psychic Network. This Member Agreement together with the rules and policies of Keen constitutes the entire agreement between Karma Psychic Network and you with respect to the subject matter hereof.

These Terms of Use constitute the sole agreement between you and the Company and its affiliated entities relating to your use and our provision of the Sites and the Services and the subject matter hereof.

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