TERMS AND CONDITIONS
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.
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.
RULES OF SERVICE
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.
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
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.
DISCLAIMER – NO PROFESSIONAL ADVICE
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.
DISCLAIMER – NO MONITORING OF USAGE
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.
LIMITATION OF LIABILITY
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.
RESTRICTIONS; COMPLIANCE WITH LAWS
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.
LINKS TO SPONSORS AND OTHER THIRD PARTY SITES
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.
INTELLECTUAL PROPERTY RIGHTS; INAPPROPRIATE USE OF SITES
MATERIAL YOU SUBMIT (INCLUDING BLOG SUBMISSIONS)
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.
We reserve the right to edit, remove or not publish Submissions without prior notice.
NOTICE AND TAKEDOWN PROCEDURES
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.
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.