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LifePsychic Policies LifePsychic Terms & Conditions Welcome. This is the Member Agreement, a contract between LifePsychic and you. As a business entity under the name LifePsychic, will hereinafter be cited as "LifePsychic." Once your Members Sign-up Form is accepted by LifePsychic, you will be a "Member" with access to the Advisor Services and the Site in accordance to the terms and conditions and policies below. For convenience, the LifePsychic website, Mail, phone services and any material from LifePsychic will be cited as the "Site." Any entertainment services, information and other services or products received from external Members (under Advisors capacity) or their Site listings will be cited as "Advisor Services." Those members, who sign the given Member Agreement and who request or get similar from other Members shall be cited as "Members." Those members who make listings or/and offer Advisor Services shall also cited as "Advisors". LifePsychics obligations and liabilities are limited to the policies below, which permit LifePsychic to revise, suspend or cease your entree and usage of the Advisor Services and the Site. Please read all the policies mentioned below or on the website carefully. The given Member Agreement contains the documented rules and policies and gives additional terms and conditions: Payment Policy, Advisor Policy, Privacy Policy, Feedback Policy, Age Verification Agreement and Photo Policy. In the case of issues between the conditions in the linked policies and the Member Agreement, the latters document’s terms and conditions shall prevail. IT IS UNDERSTOOD THAT BY ACCESSING THE REGISTRATION PAGE, BY USING THE ADVISOR SERVICES AND THE SITE, YOU ARE CONSENTING TO ADHERE TO THE MEMBER AGREEMENT WHICH OBLIGATES YOU IN THE SIMILAR MANNER AS A WRITTEN CONTRACT DOES. USAGE OF THE ADVISOR SERVICES AND THE SITE IS SUBJECT TO THE MEMBER AGREEMENTS TERMS THAT INCLUDE THE DOCUMENTED TERMS INTEGRATED AT THE SITE. YOU MUST CONSENT TO ALL THE POLICIES STIPULATED IN THIS CONTRACT WITHOUT REVISION FOR YOU TO GAIN ENTRY TO THE WEBSITE AND THE ADVISOR SERVICES. IF YOU DONT CONSENT TO THE TOTALITY OF THIS MEMBER AGREEMENT, YOU ARE REFUSED ENTREE OR USAGE OF THE WEBSITE OR THE ADVISOR SERVICES. 1. Limited Website and the Advisor Services Usage Eligibility. The Website and the Advisor Services could be accessed and used only by persons at a minimum of eighteen (18) years of age. Without this limitation, the Website and the Advisor Services are unable to suspend Members indefinitely or temporarily. Usage of the Website or Membership is not permitted if your location is situated in a country (a) where laws prohibit usage or participation or (b) is banned from trading with the 2. Usage or provision of Advisor Services and Advisors consultations are at your personal risk. (a) The Advisor Services and any information exchanged between Members are not evaluated, produced, provided or controlled by LifePsychic in any way. The services of verification contained in Advisor listings are from third parties. LifePsychic, neither supplies any content nor guarantees, verifies or represents any Advisor. LifePsychic also holds no editorial control over any content, sexually offensive or otherwise. LifePsychic is also not liable for any non-compliance by an Advisor with the laws or regulations on listings content. LifePsychic serves only as technology service allowing Members to correspond with one to another. The Site is not purposed as a payment avenue for the exchange of goods making LifePsychic not liable for any such transactions among Members. LifePsychic judgment should be applied in accessing the Website and the Advisor Services and in giving out confidential data to other Members, although LifePsychic recommends you against doing the latter. LifePsychic neither monitor Members feedbacks nor police Members in any manner. In case you notice lawful violations or fraudulent or violent actions among Members, LifePsychic advises that you ask help directly from the police. (b) Neither content supplied by Members or Advisors nor groups of Advisors or Advisor have LifePsychics endorsement or guarantee. Members telephone conversations are not monitored by LifePsychic, in conformity with the Privacy Policy. The company, however, reserves its right to review Mail or contact Members without identity disclosure for the evaluation of compliance to the policies stipulated in the Member Agreement and always to act as stated in the given Privacy Policy. So, you are urged to understand and review the Privacy Policy of this contract before agreeing to its conditions and terms, as you are legally obligated to abide by them as a Member. (c) In case of conflicts with other Members as a result of using the Advisor Services, you waive all claims on LifePsychic and release them from all types of liabilities. A resident of 3. Modifications of the Member Agreement or suspension or termination of your site Usage could be done, without prior notice. (a) The company reserves its sole discretionary right to revise or cease the website or to alter the conditions and terms of website usage, without notice. The applicability of the modifications will commence after be thirty days after initial posting on the website. Revisions to the given Payment Policy will be effective after the fourteen (14) day notice provided by LifePsychic to Advisors through email. You could opt to end your Website and the Advisor Services usage should you find any revision unacceptable. If you continue to use LifePsychics services following a revision posting, it is already understood that you agree to adhere to the new policies. (b) Without prior notice, your membership or Site access may be suspended or terminated by LifePsychic at any time. Furthermore, LifePsychic, without notice, may notify the authorities and/or your bank or take any action they deem appropriate, (i) if you are suspected of non-compliance to the provisions stipulated in your contract (ii) if the billing information you provided could not be authenticated by LifePsychic, and/or (iii) if your actions are suspected to be illegal and could cause liabilities. In turn, you also hold rights to end your membership with LifePsychic. However, your payment obligations to LifePsychic will not be affected by any termination, suspension or cancellation done. 4. The Site is a location for Member listings. The company serves only as a communications interface facilitator among Members. You are accountable for all essential equipment needed for the Website and the Advisor Services access and usage and for all tax reports and payments related to LifePsychics fees. 5. You alone are liable for all Website and the Advisor Services usage and for the payment of all purchased Advisor Services under your personal password and Member information. (a) The Advisor Services rates are stipulated under the relevant Advisor listing. By "transaction" we mean any recorded or live call or any Mail correspondence from an Advisor, who charges fees for responses by email ("Paid Mail") done through the Site utilizing your password and Member account data. You hereby give LifePsychic full authority on any fee collection done through deducting from your Member account at the end of each transaction. Recorded and live calls are charged according to the per minute listed rates and call duration calculations or to LifePsychics periodic offers of a priced package of bulk time. Bulk calls have expiry dates and refunds are not given if you are unable to use up all your call time by the date of expiration. As the recipient of a Pad Mail, you are immediately charged upon acceptance. You give LifePsychic authority to make necessary verifications on your Member account or/and listing informations validity. (b) You consent to preserve your Member account information and passwords confidentiality and to look over all actions that happen under them. (c) You consent that LifePsychic has no liability for any incurred loss caused by an unauthorized persons usage of your Member password or account. You consent that your provided information may be utilized by LifePsychic as stipulated in the given Privacy Policy. (d) Based on the company’s sole discretionary powers in determining the Member account’s usage and factors, they may ask for your credit, identity or/and background informations verification for your continued Site usage. In such cases, you consent to giving LifePsychic the added information requested and to get a customer credit report from customer credit reporting companies and to confirm the identification. 6. You consent compliance with the following on the Website or the Advisor Services access or usage: (a) You (being an Advisor giving Advisor Services) will be held accountable for content provisions and listings content made under the Member account. (b) You (being a Member getting Advisor Services) cannot store or record any Advisor Services gotten through the website. In the same way, you (being an Advisor giving Advisor Services) shall not also do the same with any calls made with Members. Despite this, Advisors may offer a pre-recorded voice Advisor Service (or a "Recorded Listing", as identified on the Sites Help page) to Members with conformity to the Advisor Rules Policy. (c) The Site is not to be used for any acts that are unlawful or adverse to this contract and with LifePsychics policies. Your full cooperation with LifePsychics investigation of any alleged unlawful activity should include giving authorized representatives entree to any part of the Member account. (d) You shall neither ask nor give advice, orally or written, pertaining to securities value or to the feasibility of securities investment, purchase or sale. (e) You shall perform all charged communications with Members solely through the website and shall not use external payment services. (f) The Site should not be utilized as a means to harass other Members or as an interference to the Sites utilization or enjoyment by another. (g) Dont attempt to access the Sites computer systems, networks or Members account information without authority. (h) Dont attempt to get any data or materials pertaining to the website through ways that are not offered intentionally through it. (i) Dont copy any Site portion without an expressed written authorization from LifePsychic. (j) Continue providing LifePsychic with accurate payment registration data that is current. Update personal contact data given to LifePsychic promptly, as necessary. Don’t impersonate, use fake identities or utilize a name you’re not sanctioned to use. (k) Don’t use the website for Member solicitation, for product or service promotion not under the data services stated under the Member listing, for provision of any services or products pertaining to lottery number data success claims or for making marketing proposals. (l) Transmission of “spam”, “chain letters” or "junk mail or unasked notice board postings or emails mass distribution or transmission of requests for contractors, employees or consultants or for other website participation is not allowed. For further stipulations, view our Anti-Spam Policy. (m) The Site is not to be used for give-away, bonus item, prize, game of chance, contest or random drawing promotions. (n) Don’t do anything that may de-value the referral system of Members or the feedback system for Members utilized to secure Member feedback. This includes imparting negative comments for a Members failure to do something that is beyond the service scope stipulated in his Member listing. (o) Don’t make offensive, defamatory, obscene, hateful or tasteless content or Member names for listings. (p ) Stand by all applicable regulations and laws regulating your actions pertaining to the website and (being an Advisor giving Advisor Services) be held liable for following the particular requirements of relevant record keeping laws, which include but are not limited to, the meeting of the requirements of regulations such as 18 U.S.C. 2257 and others. (q) Don’t instruct or encourage other individuals to conduct the foregoing or go against Member Agreements terms and company policies. 7. Between the different parties, the company shall hold all website ownership including any content made or gotten from the website and all URLs. You shall hereby give to the company all rights, interests and titles in and to any ratings, suggestions, materials or/and comments you submitted under the feedback system for Members. You give the company the right to utilize or document your name elsewhere and on the website for its promotion without your approval or compensation. 8. As an Advisor, you are subject to and need to comply with LifePsychic’s Payment Policy and Advisor Rules Policy. LifePsychic’s Payment Policy and Advisor Rules Policy are found on the Payment Policy pages and Advisor Rules Policy and are integrated into this contract by documentation. 9. Maintenance Fee for the Account. A Maintenance Fee of 2 dollars ($2.00) each month may be charged by the company for all Members. However, the company may waive the fee for twelve-(12) month period for all active accounts. 10. Any Website and the Advisor Services warranties or representations are disclaimed by LifePsychic. THE WEBSITE AND ANY ADVISOR SERVICES OR COMMODITIES ACQUIRED THROUGH THE WEBSITE ARE SUPPLIED "AS IT IS", WITH NO KIND OF WARRANTY OF ANY SORT. THE COMPANY AND ITS SUPPLIERS, EXPRESSLY DISCLAIM ALL WARRANTIES PERTAINING TO THE WEBSITE, THE ADVISOR SERVICES AND EVERY CORRESPONDENCE BETWEEN MEMBERS DONE THROUGH THE WEBSITE. Furthermore, the company makes no guarantee that the Sites operation will be fault free. Certain states don’t permit warranty exclusions, so the above-stated exclusions in some cases may not be applicable to you. 11. The company’s liability for your Website and Advisor Services entree and usage is limited. You alone are accountable for your Sites usage. THE COMPANY OR ITS SUPPLIERS ARE IN NO WAY ACCOUNTABLE FOR ANY DAMAGES RESULTING FROM OR PERTAINING TO THE SITE AND ADVISOR SERVICES USAGE, REGARDLESS OF THE COMPANY BEING ADVISED OF THE POTENTIAL OF SUCH DAMAGES. WITHOUT CURBING THE GENERALITY OF THE FOREGOING, THE COMPANY AND ITS SUPPLIERS AGGREGATE ACCOUNTABILITY TO YOU, PERTAINING TO THIS AGREEMENT, SHALL NOT EXCEED (a) LIFEPSYCHICS TOTAL FEE EARNINGS FROM YOU (FOLLOWING PAYMENTS TO OTHER THIRD PARTIES AND ADVISORS) IN THE PAST 12 MONTHS (b) 100 DOLLARS (ONE HUNDRED). The limitation or exclusion of damages is not permitted in some states, so the stipulations above may not be applicable to you. YOU CONSENT TO HOLD LIFEPSYCHIC AND EVERYONE UNDER THEM AS HARMLESS AND DEFEND THEM FROM ANY ACCOUNTABILITY RESULTING FROM YOUR UTILIZATION OF THE WEBSITE OR FROM THE ADVISOR SERVICES PROVISION, INCLUDING ANY ACCOUNTABIILITY OR COSTS RESULTING FROM ALL LOSSES, DAMAGES, SUITS, LITIGATION COSTS, JUDGMENTS, ATTORNEYS FEES AND CLAIMS,, OF ANY KIND. In each case, the company will give you formal written notice pertaining to such action, claim or suit. LifePsychic has the right to hold back payments to you to set off costs and accountabilities covered here. 12. The company bans the illegitimate utilization of copyrighted trademarks and materials. THE WEBSITE OR THE ADVISOR SERVICES SHALL NOT BE UTILIZED BY YOU FOR THE TRANSMISSION OR PROVISION OF CONNECTIONS TO STORE MATERIALS THAT VIOLATES COPYRIGHTED TRADEMARKS, WORKS OR INFRINGES OR ENCOURAGES THE VIOLATION OF ANY THIRD PARTYS RIGHTS ON INTELLECTUAL PROPERTY. LifePsychic has espoused and set in place a policy, given below, that stipulates for the appropriate cessation of Members that violate or suspected to violate copyright holders’ rights or of those who hold federally registered trademarks. This also applies to those who hold unregistered trademarks in specific circumstances. The company’s Trademark Related and Copyright Policy: If you think that your work has been plagiarized in a manner that violates your copyright, please given the company’s Copyright Agent stated below with the following data as required under 17 U.S.C. § 512: (a) An electronic or physical signature of a certain person empowered to represent a the sole right owner that has allegedly been violated; (b) Verification of the copyright work claimed as infringed, or a representative list of such works in the Site, if multiple copyrighted works at a single online site are covered by a single notification; (c) Verification of the material claimed to be infringed or the subject of infringement, that is for removal or disabling of access and information enough to allow LifePsychic to find the material; (d) Fairly sufficient information that allows LifePsychic to contact the complainant, including a name, telephone number, address and an email address; (e) A statement on the complainants belief that utilization of the content in the manner that is subject to the complaint is not approved by the copyright owner, law or agent; and (f) Statement that notifications information is accurate and that the complainant is empowered to represent the owner of the exclusive right allegedly infringed. On receipt of such notice as depicted above, the company will employ the deemed appropriate action, at its discretion, including removing the challenged material from the website or/and the cessation of the Member account. If you firmly think that a Member or Advisor is utilizing your federally registered trademark in a manner bordering on infringement or trademark, please provide LifePsychic with this following: (a) An electronic or physical signature of a certain person empowered to represent the owner of the registered trademark; (b) Enough information to allow the company to get in touch with the owner of the registered trademark or its relevant agent, including a name, telephone number, address, and even an email address; (c) Identification of the infringed trademark(s), including a copy of every relevant certificate of federal trademark registration; (d) Fairly sufficient information that allows LifePsychic to pinpoint the use being disputed by the owner of the registered trademark; (e) Statement on the registered trademark owners non-authorization of the challenged use and on his belief that the challenged use is not lawfully authorized; and (f) A statement that the notification information is accurate and that the complainant is the owner of the registered trademark or is entitled to represent him. On receiving notice of the challenges use, LifePsychic will verify the trademarks federal registration existence and will employ the deemed appropriate action, at its discretion, including deletion of the challenged trademark from the website, giving notice to the Member or Advisor in question, if, under LifePsychics discretion, it is concluded that the name or the mark in use is similar to the mark registered and is utilized in relation with products or/and services coming under the owners federal registration. This is unless the Member or Advisor presents his own registration or approved application covering the challenged use. Despite this, LifePsychic will appropriately comply with the conditions of any court order pertaining to the challenged party’s behavior determined therein. 13. Other Website Links. The website may provide website links others site apart from its own for reference purposes only. LifePsychic, however, neither endorses nor controls these websites and its contents and its operators association. 14. Notice. Notices or other correspondence provided hereunder will be given in writing and forwarded (a) by LifePsychic via facsimile, United States email or mail (to the address or number that is provided), and (b) by you through email. The receipt date shall be assumed as the transmission date of such notice in the cases of email or facsimile and 5 days after receipt by the Postal Service of the 15. Regarding Assignment. You cannot give the Member Agreement or delegate any such rights or any obligations stipulated, in part or whole, by operation of law or voluntarily, without the company’s prior written consent. Any such supposed delegation by you, without LifePsychic’s prior written consent of LifePsychic, will be null and void, unless LifePsychic expressed content under its absolute discretion. However, LifePsychic may assign this Agreement or any rights hereunder without your consent. 16. The Parties Relationship. Despite the provisions stipulated in this Member Agreement, each party is independent and acts alone, not as a contractor, partner, joint venture, agent, employee or employer of the other and shall not bind or attempt to bind the other to any contract. 17. Arbitration. Any claim or controversy resulting from or pertaining to this Member Agreement, the breach thereof, or its subject matter shall be settled by binding arbitration in conformity 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 18. You agree to utilize (a) electronic means for the completion of this Member Agreement, to use the Website and the Advisor Services and for provision of any notices pertaining the stipulated agreement, and (b) electronic records to keep relative information to this Member Agreement or your Site usage. You can ask a hard copy of this Member Agreement and any other records pertaining to this or your Site usage by sending a written request to LifePsychic. You understand and consent that this Member Agreement and any notices given pursuant to this are electronically enforceable. 19. Miscellaneous. Should any Member Agreement provisions be found invalid or unenforceable, such provision shall be superseded by a valid, enforceable provision that most closely matches the original provisions intention. LifePsychic’s failure to act with respect to a breach by you or others does not waive LifePsychic’s right to act pertaining to subsequent breaches. LifePsychic’s failure to exercise any right under these terms and conditions shall not constitute a waiver of such right or provision. This Member Agreement shall be governed by and interpreted in conformity the laws of the LifePsychic Payment Policy This Payment Policy is part of the Member Agreement. Other terms not included herein are in the Member Agreement and other related policies. 1. Payment for Advisor Services. A member completing a transaction with an Advisor through this Site is responsible of paying all fees for the service. LifePsychic is not obliged to pay the Advisor any fees which are not yet fully paid by the member. Advisor’s may authorize LifePsychic to collect from members, in their behalf, likewise, credit said payment to the Advisor’s accounts net of all fees chargeable to said transaction. Live Calls and Recorded Listings. Advisors may charge members a price per minute fee for all live call or recorded listing transactions less connection charges and a commission of 52% for all Paid Mail. Advisors may charge a fee for responding to Paid Mail requests less the required commission depending on which category the transaction falls. Groups. The Group Manager of each group may collect a certain percentage from the Advisor’s Net Fees from the Group listings. The percentage is determined by the arrangement with the Group Manager, ranging from 0%-100% of the Net Fees generated. The Group Manager authorizes LifePsychic to collect payments for all transactions of the Group. Satisfaction Guaranteed. At LifePsychic we always hope you have a satisfactory experience. If there is a reason this doesn’t happen we will credit your account up to $25. This guarantee will not apply to an advisor used more than once. Also we only credit up to one unsatisfactory call per month, and have the right to withhold reimbursement at our discretion. to $2 Special Programs. LifePsychic has the option to let Advisors participate in special offerings. Although Advisors are not obliged to join the program, accepting such invitation, means they are bound by the conditions and policies in the invitation and Member Agreement. Upon registration, as an advisor, it should be noted that all advisors must oblige to the ongoing promotion of 5 FREE minutes for first time users on their first reading. This promotion has a set rate of payment for advisors. Advisors will receive $1.00 per minute. After the 5 minutes are completed, advisor’s standard rate applies. Users have 5 FREE minutes on ONE reading. It can not be applied to more than one advisor, nor can it be extended to longer than 5 minutes. The Promotions and Specials, such as FREE minutes and discounts are not supported by the Satisfaction Guarantee. Auctions and Bidding. Advisors will be offered the chance to bid for featured placement on the homepage and within the categories the advisors have placed themselves in. During the auction the top bid will be placed in the section of the page being bid on. Please note that the advisor whose bid is accepted as the top bid will be responsible for paying the amount they bid per click on the profile. Meaning if a user clicks on your profile, you will be charged the amount you bid. The money will be deducted automatically from the advisors account. Advisors can stop the charge by canceling the bid. Bidding is nonrefundable. The advisor who wins the auction will be featured on either LifePsychics category pages or the homepage, depending on what section the bid was placed for. The site will update automatically in the order of the amount they bid. For example advisor 1 bid $1, advisor 2 bid $2 for home page. No other advisors take part in the auction. The home page updates automatically so advisor 2 will be in spot 1 and advisor 1 will be in spot 2, the other 8 spots on home page will take the advisors with highest rating number and 5 stars. Advisors who have less than 4 stars can’t bid. Advisor 1 and advisor 2 will pay the amount they bid every time the Verified User clicks on their profile. Advisor 1 and advisor 2 will stay in the auction until they cancel their bid. If someone bids $3, advisor1 and advisor2 will be moved to spots 2 and 3 instead of spots 1 and 2. Advisors must have at least the amount he bid on his account to participate. If Verified User clicked on advisor 1, advisor 1 was charged $1 and has less than $2 balance left, he will be automatically removed from the auction and should get an email saying he doesn’t have enough funds left to participate in Featured Listings a. Advisor Fees are paid upon request in US $ denominations through the Member’s account. The minimum amount of which is $50 (if it falls below, payment will be held until it reaches minimum amount) mailed via US Postal Service every 1st and 16th of the following month. For direct deposit payments, Advisors must have an eligible paypal account. Fees will be sent twice a month but payment may be terminated without notice. $2 will also be deducted from advisor accounts for each missed call on the advisors part. b. Advisors are responsible for all hardware, software and related costs, and paying the applicable state and federal taxes required by law. c. LifePsychic, in its discretion, reserves the right to institute charge backs as may be deemed appropriate, and withhold payment for fees when it suspects that the Member may not be able to fulfill obligatory payments. d. LifePsychic may close a Member account any time without notice, in violation to all encompassing policies. e. LifePsychic reserves the right to investigate a Member’s account identified for review. If results are not in favor of the Member, LifePsychic may return funds, continue restriction for 180 days, or close the account. If a transaction dispute is filed for an unauthorized claim with a credit merchant or credit card company by a user the fees earned by the advisor for the serivces given will be deducted from their account. Restrictions are because of the following reasons: Ø Reports of issuing bank for unauthorized use of credit card or bank account; Ø Potentially receiving fraudulent funds; Ø Excessive charge backs or disputes; Ø Refusal to participate in any investigation; Ø Posts unsolicited emails or links to restricted websites; Ø Use of several Member accounts in different names; Ø Return of funds due to insufficiency or incorrect bank account number; Ø Violation of the Member Agreement; Ø Use of an unidentified proxy; or Ø Any other situation causing LifePsychic to believe that the Member’s Account is primarily utilized for fraudulent purposes. LifePsychic.com Advisor Policy The Advisor Rules Policy is complied with the rules and regulations as part of the Member Agreement, which would constitute the relevant terms and conditions that should be proper for the usage of the LifePsychic website. The following should be adhered and conceived properly, otherwise will result into termination of membership without the consent of the suspected Member or Advisor. · You agree to the terms of not providing any Advisor Services which would need professional authorization. · You agree to perform all for-fee statements that you contain with other Members and may not try to circumvent throughout the Site using third-party elements. · You agree to not provide information on diagnosing illnesses and other means of solving the case or act as a medical advisor through the Site. · You agree to avoid offering any advice of any investing, buying or any other transaction that concerns securities as well provide any relation to endorsing any product or services nor any subject about lottery figures. · You agree to adhere to the law 18 U.S.C 2257 and other regulations that limit you to provide information that are to be determined for confirmation. · You agree to give Advisor Services only to Members and seek assistance for suspected non-Member or more than one person that is acquiring Advisor Services. · In any situation, LifePsychic allows only one Advisor on the phone with only one Member at a time and may restrict any type of ‘double-advisory’ or ‘tag-team calls’. · You agree to not “share” listings except if the Advisor is included in the Advisor listing and should only answer calls on that listing. However, LifePsychic may permit exceptions to this rule. · You agree to bear with the LifePsychic policies that include the Age Verification Agreement as well as the Adult Content Policy. · You agree to only choose the appropriate listing of your choice and on one category only. · You agree to not use any type of banner advertisements that pertains to any business-related transaction. · You agree to not make or separate listings for a reason to redirect Members from the listings that are contained in Groups. · You agree to not make inconsequential listings and any other listing that are inappropriate to the category listings that are created. · You agree to not record any Member call and should provide pre-recorded voice Advisor Services only to Members in the agreed Advisor Rules Policy. · You agree to honor any trademarked names, services, logos and any other licensed subject as well as not reproducing or duplicate trademarks for commercial purpose without the express written consent of LifePsychic. If you intend to do so, please email us to LifePsychic@yahoo.com · You agree to the knowledge that LifePsychic do not endorse or recommend any information in regards to any Member or Advisor as well as any other referral or guarantee of any Advisor by LifePsychic. Additionally, you are not permitted to provide any information that suggests an endorsement to any sites that offer information regarding about any matter. · YOU AGREE TO UPHOLD, SUPPORT AND DEFEND LIFEPSYCHIC AS WELL AS ITS EMPLOYEES AND REPRESETANTIVES AS A RESULT OF YOUR COMMITED USE OF ANY PROVISION THAT INCLUDE LIABILITIES, DAMAGES, SUITS AND ANY RELATED CONSEQUENCES THAT MAY IMPEDE THE FUNCTION OF THE ORGANIZATION. LifePsychic will provide you the knowledge if any violation and defiance that you have made and any possible consequence that may directly or indirectly compound the whole organization. LifePsychic Privacy Policy This Privacy Policy is part of the Member Agreement and covers information provided to the LifePsychic website. All other terms not defined herein are included in the Member Agreement and related policies. Minors are restricted from registering, taking advice or submitting information on this website. LifePsychic uses Secure Socket Layer (SSL) to help protect against misuse, loss or alteration of information. Other measures undertaken to protect user information are: v Limited/regulated access by employees to all Member information in the server; v Employee’s regular reminder of LifePsychic’s security protocol; and v Provision of web security procedures with quality assurance weekly. LifePsychic does not disclose any identifiable information to third parties unless Member has opted to. Consent to disclose personal information will no longer be subject to our rigid Privacy Policy. LifePsychic may only divulge personal information to: v Appropriate authorities or banks to report any suspected illegal activities to avert damage to other persons; v Potential parties to a lawsuit regarding disputes with other Members to mitigate liability; v Service providers to communicate with payments; and v Other LifePsychic entities worldwide. Mail or email address and phone number will be used to contact the Member of its account activities or new product offerings but Member may discontinue this notice through the Customer Support form. Administrative mails though will constantly be mailed and Member cannot opt to stop this service. A Member with an Advisor listing will be collected additional information like Social Security number or Federal Tax ID Number and credit card information as evidence of identity and for processing of Advisor fees. All advisors will be filed as independent contractors and must provide their social security number of Federal ID for tax purposes. All advisors will be filed as independent contractors and must provide their social security number of Federal ID for tax purposes. Other data like demographic information, third party contact information, internet cookies or IP addresses are asked to be used in promotional activities, settle disputes, track sites that Members visit, or diagnose server problems. All changes in personal information will be made on the My Account page or the Customer Support form or by writing to the mail address provided below. All Members are enforced to strictly comply with its Anti-Spam Policy. 4. Account Cancellation and Notification. Members who wish to cancel their account needs only to do any of the following: send an email with their Member name and email address, fill out an updated support form, or send a letter to the mailing address provided below. Material modification in the privacy policies will be communicated through email or will be posted in this Site 30 days prior to implementation. This is to provide ample time to accept or not accept the changes or simply cancel membership. Email address: LifePsychic@yahoo.com LifePsychic Feedback Policy This Feedback Policy is part of the Member Agreement and is included by reference therein. Other capitalized terms will be defined in the Member Agreement and related policies. All Members are asked to use caution, tact and good judgment when leaving feedbacks to their Advisors. Other members may be able to read what you have written and you, the Member, can no longer edit those unscrupulous remarks. It becomes permanent and is now part of the Advisor’s record. But take note that you are to be held legally responsible for libelous remarks and feedbacks. Damaging one’s reputation for defamatory remarks is a ground for slander. Under the Communications Decency Act, LifePsychic is not to be held responsible legally for any feedback posted in this Site, even if the feedback given is negatively constructed and offending. LifePsychic has a feedback forum and rating system, which is a venue for the Member to express their opinions. LifePsychic does not investigate the accuracy of the opinions or the feedbacks nor does it censor these remarks. However, to ensure precision and to avoid abuse of the feedback system, LifePsychic has the right to remove feedbacks in the situations cited below. If an Advisor thinks that another Member has left a feedback that meets any of the following (or more) criteria, you may contact LifePsychic. Circumstances When LifePsychic Will Consider Removing Feedbacks or Ratings from the Feedback Forum: v When the feedback is written with no intention of describing the Advisor or the Advisor’s services, instead is aimed to describe or provide comments on LifePsychic. v When the feedback contains blasphemous or offensive language, or has adult material or adult content. Although the use of provocative words like "fake," "scam," "liar," "boring" or "sucks" is heavily discouraged, it will not be removed from the forum. v When the feedback includes personal recognizable information about any Member like disclosing the real name, phone number, address, or its email address. v When the feedback contains hurtful comments about an Advisor who failed to perform the necessary actions or provide services that are outside the scope described in the Advisor services’ listing. v When the feedback is made by an Advisor for him or herself directly or indirectly, using a third party or a secondary Member to make said feedback or rating. v When the feedback is left by a fictitious Member who, in the registration process, provided false or wrong information, like its name or numbers and cannot be contacted. v When a Member leaves several ratings, comments or feedback entries in order to harass or stalk one or more Members. LifePsychic has the discretion, when it finds the feedback to be harassing and annoying, to remove all other additional feedbacks except the original. v When the feedback refers to a feedback to another Member, provides links to other websites, or includes other Advisors. v When the feedback refers to disconnected calls, LifePsychic has the right to remove the feedback if the cost of the call will be refunded by the Advisor. v When the feedback is erroneously intended or left for another Advisor, LifePsychic may only remove it upon information by the Member who committed the error. Age Verification Agreement Welcome to the Site’s Age Verification Agreement. This agreement is a legally binding agreement between you and our company, Ingenio Inc., which is doing business as and hereinafter alluded to as LifePsychic. You should understand that when you click the button marked “I Accept” to continue, when you access the areas of the site that may contain adult targeted material or Adult Areas, that in using any of these adult services or products on the LifePsychic site, including any of the content provided therein, that in starting any manner of adult content correspondence with any member of the LifePsychic site or even by posting whatever adult content listings you might have on this site (conjointly, “Using”, or any other such variation thereof with the inclusion of being “Used” or to “Use”), you are hereby agreeing to the Age Verification Agreement before you and are accepting the terms and conditions involved with being bound to it. You have to be an adult that is responsible and over eighteen (18) years of age (otherwise known as the age of consent in whichever jurisdiction where this site is subsequently being Used) to be able to Use the Adult only Areas within this site. Some telephone communications and other services and products available within this site may also include descriptions of or allusions to nudity and/or even sexual activity. Federal, local and/or state or laws may prohibit you from making Use of the LifePsychic site if and when you are found to be less than eighteen (18) years of age. In Using the LifePsychic site, you are hereby making these following statements: 1. I am at least eighteen (18) years old, an adult, and have the legal right to initiate usage of the adult material contained within this site while in my community. 2. I will not, in any way, enable, permit, facilitate or introduce any person(s) who are under the age of eighteen (18) to Use and/or gain access to any of the Adult Areas within this site. 3. I am choosing voluntarily to make use of this site with the reasons that I want to read or view the different listings that can be found within the LifePsychic site and/or engage in communications with either one or more of the members of this site. If I do choose to correspond with a member of LifePsychic, an example of which is by engaging in a telephone conversation or by sending an emailed request for some information, services or entertainment products from any member who listed himself/herself on the LifePsychic site or to ask for correspondence with any LifePsychic member by my displaying a listing myself, I hereby understand that I am required to accept and agree to the listed terms and conditions that are found in the LifePsychic Membership Agreement which can be seen at: www.LifePsychic.com/documents/help/memberagreement.asp. 4. I realize and agree to honor the laws and standards of the community I am living in or in the community where I am engaging in the Use of this site. 5. In using any portion of the LifePsychic site, I hereby agree that I shall and will not hold LifePsychic and/or any of its employees accountable for any of the listings that are posted and/or any communications that are made to any of the members of this site. 6. If my Use of any part of this site is in violation of the Age Verification Agreement that I agree to and accept, I therefore understand that I may be violating federal and/or local laws and that I hold myself solely responsible for these actions. 7. I do not, in any way, find these descriptions pertaining to sexual acts and/or communications that involve sexual content as offensive or otherwise objectionable. 8. I will remove myself from the LifePsychic site; stop communicating with any member and/or stop using the LifePsychic site if I find myself, in any way, offended by any of the listings that are of a sexual nature or with any correspondence or communication with any LifePsychic member. Advisor Forum Policy Welcome to our Advisor Forums for LifePsychic! This forum is a venue where Advisors may come together to talk about issues, lobby questions at the Community Team, and basically enjoy conversations on any topic with one another. This Policy for the Advisor Forum is a part of our LifePsychic Membership Agreement and is therein included by reference. Terms that are capitalized but do not have definitions herein will have their meanings placed in the LifePsychic Membership Agreement and other related policies. You should be aware that in using any of the Advisor Forums, which includes but is not limited to any post of any content, replying to any post or starting any manner of communication with other Advisors, you are hereby agreeing to the terms and conditions found on the LifePsychic Membership Agreement and are bound by it and all additional rules and policies that are incorporated therein. Should you decide to not accept our terms as well as our conditions, you cannot access nor use our Advisor Forums. Aside from these terms and conditions included in the LifePsychic Membership Agreement, you hereby agree to abide by the pursuing requirements in using our Advisor Forums. Without limiting all and any other remedies the company and LifePsychic may have, we at LifePsychic may opt to freeze your posting privileges in any Advisor Forum, ban and block you from using any Advisor Forum or deny you access from LifePsychic altogether, or dismiss your membership and deny you use of any of the pages of the LifePsychic Site and all its services without prior notice should LifePsychic suspect that you are in violation of any LifePsychic policies. In accessing or using the LifePsychic Advisor Forum, you hereby agree to abide by the following: a. You will exercise good etiquette when replying to and creating posts. b. You will honor privacy of other LifePsychic members. c. You will not copy or impersonate an employee of LifePsychic nor will you falsely quote any employee of LifePsychic with the intent of malice. d. You will not produce "trolling" posts. The act of “trolling” is defined as deliberately posting provocative and/or false information just to get responses from the people who otherwise are out to help. e. You will not engage the usage of the Advisor Forums in any way for promoting or soliciting the participation of other members on another service, website or business. f. You will not, in any way, use our Advisor Forums to post offensive, obscene, tasteless, hateful, defamatory, slanderous, and/or any other content that may be deemed inappropriate. g. You will not, in any way, use LifePsychic’s Advisor Forums to post any content deemed as adult-oriented content. For further information as to what LifePsychic considers content that is "adult-oriented," please refer to the Adult Policy page. h. You will not utilize the LifePsychic site or these Advisor Forums or any of our services to route, transmit, store any or provide connections to material that may infringe the works that are copyrighted or in any way violates or boosts the violation of any and all of the rights to intellectual property of any third person or party. Should you believe your work in part or as a whole has been replicated on any page of the LifePsychic site in whatever way you feel constitutes a copyright infringement violation, please consult Section 12 of our LifePsychic Membership Agreement for further information and instructions as to how you can file your claim with the Copyright Agent of LifePsychic. LifePsychic advises that your personal contact information should remain undisclosed to other members. Should you decide to share such information, you agree to shoulder the risk. LifePsychic reserves the right to remove any posts that may include such personal contact information, like phone numbers, email addresses, instant messenger IDs or mailing addresses. At any time and at the companys sole discretion, LifePsychic may get rid of any post that is in violation of any of the above or posts that are deemed inappropriate. In the companys and websites sole discretion, LifePsychic hereby reserves the right, at any time and without prior notice may decide to (a) terminate, suspend or discontinue these Advisor Forums or any feature or part thereof, or (b) alter these terms and conditions affecting your usage of these LifePsychic Advisor Forums. All and any altered terms and conditions may be effective as soon as they are placed herein. LifePsychic Photo Policy Is there a need to enhance your Advisor’s listings? LifePsychic encourages all of its Advisors to mail and upload their photos and any interesting material that they want to share to their fellow Advisors or to anyone whom they allow to view their profiles on this site. There are certain restrictions imposed in uploading Advisor’s photos and interesting materials: v The posting of nude photos and pornographic or sexually oriented materials are strictly restricted to the “Adult Only” section of the LifePsychic website. In no such incidence that images of children whether partially or fully nude shall appear in any of its site area, including the Advisors Listing. In the event that it discovers child pornography or images of children in any listing, mail or otherwise, LifePsychic reserves the right to promptly notify the v Advisors are strictly prohibited to transmit photos or any materials which are considered unlawful, harmful, threatening, harassing, tortuous, defamatory, infringing and invasive to the privacy of another. Transmission or uploading of photos or materials which are also considered vulgar, obscene, hateful, racially or ethnically offensive are severely discouraged. v Advisors are also banned from posting or loading any unauthorized advertisement or promotions of any photos or materials on LifePsychic’s website unless permission will be granted from proper authorities. v Advisors are advised to mail or post photos and materials which are original and unique. Posted or mailed photos and materials are first and foremost the responsibility of the sender or the Advisors. LifePsychic has no part and has no responsibility in the photos or materials which are patented, have trademarks, or those that are considered trade secrets, copyrights or any other proprietary rights of any party, or material protected by intellectual property laws, right of privacy or publicity or any other applicable legal law, unless authorized by proper authorities. It does not exercise control over the photos and materials on the Advisors’ home pages. It will not participate in any legal proceedings and shall have no financial responsibilities that may arise from such actions. Further, LifePsychic does not guarantee the accuracy, integrity of such photos or materials. Furthermore, LifePsychic reserves the right to remove or delete such photos or materials which it considered in violation to its “Photo Policy” without any further notice to the sender or Advisors. In all times, Advisors’ are counseled to abide by the terms and agreement under LifePsychic Membership Agreement. By becoming a member of LifePsychic, Members or Advisors agree to the use of their photos or materials for the purposes described in the membership policy and accept the responsibilities and agree to the terms and conditions written in the contract. On the part of LifePsychic, it guarantees its Advisors to safeguard their privacy and to comply with the terms and conditions set forth in LifePsychic Privacy Policy. LifePsychic is looking forward to do more future transactions and to be of service to its Advisors. |
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