Terms of Service

Indigo Psychics Terms of Service

The following Terms of Service was written to protect you and us. We value our

advisors and our members, and we want to make this experience as smooth and

agreeable as possible for all involved.

If Indigo Psychics accepts your Sign-up Form, you will become a "Member" having

additional access to the Sites and related services only under the policies, terms and

conditions below. To make it easier, we will refer to the Indigo Psychics.com

website, Indigo Psychics mobile apps, email subscriptions, chats (any text

interaction you send from your Member account to another Member), video and

phone services and any content therein provided by Indigo Psychics as

the "Site." We will refer to any interaction or other products or services you may

receive from other Members as "Advisor Services." Members who solicit or receive

Advisor Services from other Members will be referred to as “Members.” Members

who create profiles or provide Advisor Services will also be referred to

as “Advisors.”

The policies, terms and conditions below limit Indigo Psychics’ liability and

obligations to you and allow Indigo Psychics to change, suspend or terminate access

to and use of the Site and Advisor Services. The Privacy Policy is incorporated into

the Terms of Service and provides additional terms and information.

By directing your browser to the Site, as a Member or visitor, or

otherwise accessing the pages of the Site, you accept and agree

to these Terms of Service.

Indigo Psychics may modify these Terms of Service, or suspend or terminate your

use of the Site, at any time without notice to you. If any modification to the Terms of

Service is not acceptable to you, your only recourse is to cease using the Site and

Advisor Services. This includes, but is not limited to, commission and connection fee

changes. By continuing to use the Site or any Advisor Services following any posting

of a new Terms of Service or policies on the Site, you accept and agree to be bound

by the new Terms of Service or policies.

1. User eligibility and criteria

(a) You must be at least eighteen (18) years of age to use the Site or Advisor

Services. By using the Site you agree that you are at least eighteen (18) years old,

and otherwise have the right, authority and capacity to agree to these Terms and to

abide by all of the terms of this Agreement. Indigo Psychics does not conduct

criminal background check on or screening of its users but reserves the right to

conduct any criminal background check or screening at any time.

(b) Using the Service may be prohibited or restricted in certain countries. If you use

the Site outside of the United States, you are responsible for complying with the laws

and regulations of the territory from which you access or use the Site or Advisor

Services. You shall not use the Site or become a Member if you are located or

reside in a country (i) in which use or participation is prohibited by law, decree,

regulation, treaty or administrative act or (ii) is prohibited from entering into trade

relations with the United States or its citizens. Such countries include, without

limitation, Myanmar (Burma), Cuba, Iran, North Korea, Sudan and Syria. In addition,

Indigo Psychics does not allow organizations, businesses, or individuals on the

Specially Designated Nationals list (SDN) to use the Site.

(c) Your membership is for your sole, personal use and you are solely responsible

for all use made of the Site and Advisor Services under your Member account

information and password. You agree to maintain the confidentiality of your

password and Member account information. You may not authorize others to use

your account, and you may not assign or otherwise transfer your account to any

other person or entity. You agree to pay for all Advisor Services purchased using

your Member Account information and password.

(d) Indigo Psychics shall own all right, title and interest in Advisor Services and the

Site. No copyrights, patent rights, trademarks or licenses are conferred herein by

Indigo Psychics, either expressly or by implication. You understand and agree that (i)

you will have no right, title and interest to any of the toll free numbers, phone

numbers or extension numbers assigned to you (ii) that Indigo Psychics may change

your toll free number, phone numbers and/or extension number at any time in its

sole and absolute discretion (iii) you will have no right, title and interest to any

Advisor name in connection with Indigo Psychics Services and (iv) that phone

numbers, toll free numbers, extensions and Advisor names may be recycled by

Indigo Psychics to other users of Indigo Psychics if you are not actively using them

or your agreement has been terminated. Further, you hereby grant to Indigo

Psychics, its distribution partners, affiliates and similar third party website/media

providers of Indigo Psychics’ choice the right to use, copy, distribute, display or

reference in any media from your profile information, including without limitation,

your member name, descriptions, photos, phone numbers and extensions.

(e) Without limiting other remedies, Indigo Psychics may at any time suspend or

terminate your membership and refuse to provide access to the Site without reason

or notice to you. In addition, Indigo Psychics may notify your bank and/or authorities

or take any actions it deems appropriate without notice to you, (i) if Indigo Psychics

suspects that you have failed to comply with any provision of this Terms of Service

or any policies or rules established by Indigo Psychics; (ii) if Indigo Psychics is

unable to verify or authenticate any billing or payment information you provide to

Indigo Psychics; or (iii) if Indigo Psychics suspects that your actions may be illegal or

cause liability, harm or disruption for you, other Members, Indigo Psychics or the

Site.

2. User Responsibility

(a) You represent and warrant that all information that you submit upon registration

is accurate and truthful and that you will promptly update any information provided

by you that subsequently becomes inaccurate, misleading or false. Further, Advisors

agree to provide true, accurate and complete payment information and contact

information and will promptly update your information when applicable. You will not

use false identities or impersonate any other person or use a name that you are not

authorized to use. Accounts may not be shared, sold or given to another person or

entity.

(b) You use or provide Advisor Services, and consult with Advisors, at your own risk.

As an Advisor you will only Provide Advisor Services to Members and you will not

take or answer calls (and agree to terminate such call and report the incident to

Indigo Psychics by emailing info@archsoftdev.com) if you know or have reason to

believe that the individual on the call is a non-Member or there is more than one

person on the call. You must use your judgment to determine whether to initiate,

receive and/or discontinue use of the Advisor Services. Members who initiate,

receive and/or discontinue use of the Advisor Services do so entirely at their own

risk, and Indigo Psychics bears no responsibility in this regard. However, Indigo

Psychics reserves the right to contact Members and review account activity without

revealing its identity, in order to evaluate compliance with the rules and policies set

forth in this Terms of Service and to take other action as set forth in the Privacy

Policy. Therefore, we urge you to review and understand the Privacy Policy.

(c) Indigo Psychics does not evaluate, provide, produce or control Advisor Services,

information, or exchanges between Members, in any manner. Indigo Psychics does

not verify, guarantee or make any representations regarding the identity or

qualifications of any Member. In regards to Advisor Services, Indigo Psychics acts

as a technology service that allows Members to share information, entertainment

services or other products or services among themselves. Although Indigo Psychics

helps its Members connect with each other, it does not monitor the information

exchanged, and, as a result, Indigo Psychic does not control, nor is responsible for,

the accuracy, safety, quality, appropriateness, legality or applicability of anything

said or written by Members, including without limitation any information contained in

Advisor profiles or made available through this Site. The Site is not intended for use

as a payment service to exchange physical goods. Indigo Psychics is not

responsible for use or exchange of any information, files or goods between

Members. You are solely responsible for, and will exercise caution, discretion,

common sense and judgment in, using the Site and Advisor Services, in evaluating

the qualifications of, and statements made by, Members in profiles or through the

feedback system, and in disclosing personal information to other Members.

(d) Indigo Psychics is not a suicide hotline. If you are considering suicide, please call

the National Suicide Prevention Lifeline at 1-800-273-8255. If you are aware of a

Member considering suicide, please direct them to call the National Suicide

Prevention Lifeline. If you give your personal information to a Member and later

threaten suicide, we reserve the right to use that information and contact the

appropriate authorities; however, no guarantee is made that someone will contact

emergency personnel for you.

(e) By posting information, photographs, content or opinion on the Site, you

automatically grant, represent and warrant that you have the right to grant to Indigo

Psychics free of charge an irrevocable, perpetual, non-exclusive, royalty-free, fully-

paid, worldwide license to use, copy, perform, display, promote, publish and

distribute such information, content and photographs and to prepare derivative works

of, or incorporate into other works, such information and content, and to grant and

authorize sub-licenses of the foregoing.

(f) You are solely responsible for your interactions with Members and for the content

and information that you post or otherwise make available on the Site and through

Members Services, whether publicly posted or privately transmitted. You may not

post or transmit content that can be considered offensive, harassing, or illegal

content, or any content that infringes or violates another person’s rights (including

intellectual property rights, and rights of privacy and publicity). Indigo Psychics

reserves the right to determine, at its sole discretion, what constitutes offensive or

harassing, and where that has occurred; and may, also at its sole discretion, partially

or completely deny service to any infringing party. Indigo Psychics may enlist the

help of Members to flag content to help determine if a user’s conduct is harmful to

the community.

(g) You are solely responsible for and will exercise caution, discretion, common

sense and good judgment in using the Site and Advisor Services and in disclosing

personal information to other Members. Indigo Psychics does not permit users to

disclose contact information to other Members. Indigo Psychics considers contact

information to be any information that would allow a person to reach you such as,

but not limited to, phone number, email address, usernames for other services, or

physical address. In addition, it is not permitted to provide other Members with

information, such as links to third-party services, to circumvent or attempt to

circumvent the Site's payment system. If you do, you do so at your own risk and risk

the termination of your Indigo Psychics account. Indigo Psychics does not

recommend or encourage Members to use the Site or Advisor Services to solicit

other Members to meet with them in person. While Indigo Psychics reserves the

right to review interactions between Members, Indigo Psychics assumes no

responsibility for policing its Members in any way. If you ever believe that a Member

has violated the law or is defrauding, threatening or endangering anyone, Indigo

Psychics urges you immediately to contact the police directly for help.

(h) If you have a dispute with another Member, or suffer any harm arising out of or

connected with any Advisor Services, you hereby waive all claims against and

release Indigo Psychics (and its subsidiaries, employees, officers, directors,

shareholders, suppliers, joint venturers and agents) from any and all liability for

claims, demands, damages (actual and consequential), costs and expenses

(including litigation costs and attorney's fees) of every kind and nature, known and

unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or

in any way connected with any Advisor Services or with regard to such disputes. If

you are a California resident, you waive your rights under California Civil Code

§1542, which states, "A general release does not extend to claims which the creditor

does not know or suspect to exist in his favor at the time of executing the release,

which if known by him must have materially affected his settlement with the debtor."

Residents of other states and nations waive their rights under analogous laws,

statutes or regulations.

3. Prohibited: Unauthorized use of copyrighted content

You shall not use the Site or Advisor Services to transmit, route, provide connections

to our store any material that infringes copyrighted works, trademarks, publicity or

privacy rights, or otherwise violates or promotes the violation of the intellectual

property rights of any third party.

Indigo Psychics has adopted and implemented a policy, stated below, that provides

for the termination in appropriate circumstances of Members who infringe or are

believed to be infringing the rights of copyright holders.

If you believe that your work has been copied in a way that constitutes copyright

infringement, please provide the Company’s Copyright Agent listed below with the

following information required under 17 U.S.C. § 512:

(a) A physical or electronic signature of a person authorized to act on behalf of the

owner of an exclusive right that is allegedly infringed;

(b) Identification of the copyright work claimed to have been infringed, or, if multiple

copyrighted works at a single online site are covered by a single notification, a

representative list of such works at the Site;

(c) Identification of the material that is claimed to be infringing or to be the subject of

infringing activity and that is to be removed or access to which is to be disabled, and

information reasonably sufficient to permit Indigo Psychics to locate the material;

(d) Information reasonably sufficient to permit Indigo Psychics to contact the

complaining party, including a name, address, telephone number and, if available,

an email address at which the complaining party may be contacted;

(e) A statement that the complaining party has a good-faith belief that use of the

material in the manner complained of is not authorized by the copyright owner, its

agent or the law; and

(f) A statement that the information in the notification is accurate and, under penalty

of perjury, that the complaining party is authorized to act on behalf of the owner of an

exclusive right that is allegedly infringed.

Indigo Psychics’ Copyright Agent for notice of claims of copyright infringement on or

regarding this Site can be reached as follows:

Upon receipt of notice as described above, Indigo Psychics will take whatever

action, in its sole discretion, it deems appropriate, including removal of the

challenged use from the Site, and/or termination of the Member's account.

4. Earnings and Payment

(a) By utilizing Advisor Services you may earn money that can be paid to you. The

Member who initiates a transaction is solely responsible for payment of any and all

fees for the transaction. Indigo Psychics shall not be obligated to pay any fees for

which Indigo Psychics has not been fully paid by the Member or Member's credit

card issuer or bank, as applicable. You hereby authorize Indigo Psychics to collect

payments from Members on your behalf for any and all transactions that you

conduct. Indigo Psychics will credit to your Member account the fees collected less

Indigo Psychics’ commissions and connection charges set forth below, any tax

withholdings required by law, and any refunds, discounts, chargebacks and

chargeback fees payable by Indigo Psychics (the "Net Fees").

(b) As an Advisor, you are not an employee, agent or contractor of Indigo Psychics,

and you shall not represent that you are any of the foregoing. You are solely

responsible for all equipment necessary to access and use the Site and Advisor

Services, and for reporting and payment of all taxes associated with fees transferred

to you by Indigo Psychics.

(c) As an Advisor who provides Advisor Services you may charge a fee for

interactions with other Members. Indigo Psychics may retain a connection charge for

phone and video interactions and will retain a commission, which will be a

percentage of the price chosen by the Member. Indigo Psychics will distribute

earnings to you from your Member account in US dollar denominations by either

check, ACH direct deposits as designated by you in your Indigo Psychics account.

Indigo Psychics reserves the right to change these commissions and connection

fees.

(d) Indigo Psychics reserves the right to restrict payment to a Member for any reason

and in its sole discretion. Further, Indigo Psychics reserves the right to withhold

issuing payment for Advisor fees without notice on any transaction which in our sole

discretion suggests that the Member or Member's bank may not fulfill his or her

payment obligation. Indigo Psychics reserves the right to hold funds beyond the

normal distribution periods for transactions it deems suspicious to ensure the

integrity of the funds.

5. Progress, not perfection!

(a) You understand and acknowledge that the Site is made available on an “AS IS”

and “AS AVAILABLE” basis for the purpose of providing Indigo Psychics with

feedback on the quality and usability of the Site. There is no warranty, support,

maintenance, storage, SLA or indemnity obligations of any kind to you. You

acknowledge and agree that the Site may contain bugs, errors, omissions, and other

problems for which Indigo Psychics will not be responsible. You assume all risks and

all costs associated with your use of the site.

(b) Indigo Psychics reserves the right to modify, suspend or stop the Site (or any part

thereof), either temporarily or permanently, at any time or from time to time, with or

without prior notice to you. Without limiting the foregoing, Indigo Psychics may

provide notice of any such changes to the Site. You agree that Indigo Psychics shall

not be liable to you or any third party for any modification or cessation of the Site.

You acknowledge that Indigo Psychics has no express or implied obligation to

provide, or continue to provide, the Service, or any part thereof, now or in the future;

and in addition, Indigo Psychics may at any time change the cost and the

commissions for use of the Site.

(c) As part of using the Site, Indigo Psychics may provide you with the opportunity to

submit comments, suggestions, or other feedback regarding your use of the Site.

You agree that in the absence of a separate written agreement to the contrary,

Indigo Psychics will be free to use any feedback you provide for any purpose.

6. Notices and Disclaimers

(a) The Site and any Advisor Services obtained through the Site are provided “AS

IS” with no warranty or any kind. Indigo Psychics expressly disclaims all warranties,

express or implied, regarding the Site, Advisor Services and all communications

between Members made through the site, including any implied warranty of quality,

availability, merchantability, fitness for a particular purpose or non-infringement. In

addition, Indigo Psychics makes no representation or warranty that the operation of

the Site will be error free.

(b) The use of the Site is for entertainment purposes only. To the extent permitted by

applicable law, Indigo Psychics makes no warranty, representation of condition

regarding the results that may be obtained from the use of the Site or the accuracy

or reliability of any content or services obtained through the Site. No advice or

information obtained by you from the Site shall create any warranty, representation

or condition.

(c) The contents of this website and email subscriptions are protected by copyright

and may not be copied or otherwise reproduced without Indigo Psychics’ written

permission except as expressly set forth above. Users may not publish, or create

derivative works from the contents of this website for any public or commercial

purposes.

(d) Under no circumstances will Indigo Psychics be liable to you for any indirect,

incidental, consequential, special or exemplary damages arising out of or in

connection with the use of the Site or Advisor Services, whether or not Indigo

Psychics has been advices of the possibility of such damages. Without limiting the

generality of the foregoing, Indigo Psychics and its suppliers’ aggregate liability to

you arising with respect to this agreement will not exceed the greater of (a) the total

fees actually earned by Indigo Psychics from you (after payments to Members and

other third parties) in the previous twelve (12) month, and (b) one hundred dollars

($100). Indigo Psychics will not be liable for the consequences of any interruptions or

errors.

(e) You further agree to hold harmless, defend and indemnify Indigo Psychics, and

its employees, subsidiaries, agents and representatives, from and against any

liability arising from or in any way related to your use of the Site or provision of

Advisor Services, including any liability or expense arising from all claims, losses,

damages (actual and consequential), suits, judgments, litigation costs and attorneys’

fees, of every kind and nature, known and unknown, foreseeable and unforeseeable,

disclosed and undisclosed. In each case, Indigo Psychics will provide you with

written notice of such claim, suit or action. Indigo Psychics shall have the right to

withhold payments to you to offset liabilities and expenses covered hereunder.

7. Arbitration

Any controversy or claim arising out of or relating to these Terms of Service, 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

unappeasable. The arbitration shall be conducted in San Francisco, California, and

judgment on the arbitration award may be entered in any court having jurisdiction

thereof. Notwithstanding anything to the contrary, Indigo Psychics, 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.

8. Final mentions

If any provision of these Terms of Service is held to be invalid or unenforceable, the

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. Indigo Psychics’ failure to act with respect to a breach by you or others

does not waive Indigo Psychics’ right to act with respect to subsequent or similar

breaches. The failure of Indigo Psychics to exercise or enforce any right or provision

of these terms and conditions shall not constitute a waiver of such right or provision.

These Terms of Service shall be governed by and interpreted in accordance with the

laws of the State of California. The parties acknowledge that these Terms of Service

evidence a transaction involving interstate commerce. The Federal Arbitration Act

shall govern the interpretation, enforcement and proceedings pursuant to the

arbitration clause in these Terms of Service.

Prohibited Content

When using Indigo Psychics, including but not limited to Chat, Calls, creating Advisor

Profiles and Member feedback, Members are expected to follow all federal, state,

and local laws, regulations, and ordinances. To continue our mission to be an

uplifting community, Indigo Psychics specifically prohibits any Advisor Profile or Chat

that includes, without limitation, the following:

 Lottery numbers or lottery predictions

 Candle Burnings

 Statements stating to be “The Best”, “#1”, or such claims that can not be

substantiated

 Adult content, which includes but is not limited to images, pornography, or

nudity

 In-person meetings

 Profile content that falsely states, impersonates, misrepresents, or otherwise

causes confusion about the Advisor’s identity.

 Links to websites that solicit payment outside of Indigo Psychics for a

competitive service. Indigo Psychics considers the following to be competitive

services when delivered outside our system: phone calls, readings over

webcam, chat, tips, donations, and content exchanged via email, such as

charts and images. This includes social media and other platforms like

Facebook, Instagram, YouTube, Etsy, TikTok, etc. Advisors MAY include

links to Indigo Psychics on their webpages and blogs ONLY if the intent to

drive traffic to Indigo Psychics and NOT to solicit services outside of Indigo

Psychics.

Regulations

Mediumship, Reiki, Titles, and Spell-work

Mediumship, the communication or channeling of deceased people or animals of

clients, is allowed IF the medium is certified by an accredited Spiritualist Church

(example: Lily Dale Assembly) and must be in good standing. Advisors who claim to

purport mediumship must provide legitimate documentation.

Advisors claiming to perform Reiki healing services MUST provide certification by an

accredited Reiki education program.

Advisors claiming to have a specific title such as Reverend, Doctor, High

Priest/Priestess MUST provide proof their given title by an authentic Spiritualist

Church, Ordination Program, or other accredited entity. We will NOT accept

ordinations given by an online source.

The solicitation and/or performance of spell-work is prohibited, BUT the discussion of

spells, charms, and witchcraft is allowed.

User Names

User Names are what you are known as on Indigo Psychics and how customers will

identify you. Please use an actual name and avoid qualifying statements before your

name such as “Psychic”, “Love Expert”, “Mystic” or the like.

Photos

Profile photos must be high-quality, professional headshots from the shoulders up.

Please ensure the background is clutter-free (a plain wall works best), and that the

image is in focus and well-lit. Indigo Psychics does not permit full body shots,

pictures taken in cars, or photos that contain props, animals, or other people.

All photos, whether posted publicly or privately transmitted, are the sole

responsibility of the Member from which the photo originated. Indigo Psychics does

not control photos transmitted through Chat or posted on Advisor Profiles and, as

such, does not guarantee the accuracy, integrity, or quality of such.

Although Indigo Psychics does not accept responsibility for these photos, Indigo

Psychics does reserve the right to remove at any time, without notice, any photo or

image.

Indigo Psychics does not permit photos that contain nudity, pornographic material,

models under the age of 18, or content that violates any portion of the Indigo

Psychics User Agreement to be posted on Advisor Profiles.

Members may not upload, post or otherwise transmit any photo which is unlawful,

harmful, threatening, harassing, tortuous, defamatory, infringing, vulgar, obscene,

hateful, racially or ethnically objectionable or invasive of another's privacy. In

addition, Members may not post or otherwise transmit content that infringes any

patent, trademark, trade secret, copyright or any other proprietary rights of any party,

or material protected by intellectual property laws, right of privacy or publicity or any

other applicable law, unless having all necessary contracts or consents.

Profiles

Indigo Psychics strives to provide a professional service to our customers. Therefore

we require that that profiles are thoughtfully written and accurately represent the

services you provide. We ask that you ensure that you are using proper spelling and

grammar and that you avoid writing in all capital letters.

Personal Contact Information

Indigo Psychics does not permit Members to disclose personal contact information to

other Members. To further protect the privacy of our Members, Indigo Psychics does

not permit Advisors to post their personal contact information, such as an email

address, phone number, mailing address, instant messenger IDs or personal

websites on their Advisor Profile.

In order to maintain the privacy of all of our Members, we strictly prohibit Members

from attempting to obtain or using sensitive personal information of other Members.

This includes, but is not limited to, recording sessions, using known information to

look up a Member on social media or online, or to attempt to locate or use personally

identifiable information.

Additionally, Indigo Psychics does not permit Members to use Indigo Psychics to

solicit other Members to meet with them in person.

Feedback

Indigo Psychics does not permit Members to take any actions that may undermine

the integrity of the feedback system. This includes giveaways in exchange for

ratings, placing calls to accounts you own with the intent of leaving positive

feedback, and placing calls to other Advisors with the intent of leaving negative

feedback. Advisors are not allowed to leave responses to feedback on their Advisor

Profile.

Indigo Psychics may remove feedback in the following limited situations:

 The feedback was written with the sole intention of describing or commenting

on Indigo Psychics itself and not the Advisor or Advisor Services.

 The feedback contains personal identifying information about a Member,

including real name, address, phone number, or email address.

 The feedback is left by an Advisor for themselves (whether directly or

indirectly, using secondary Member names or third parties to leave such

feedback).

 The feedback is left by a Member who provided Indigo Psychics with false

contact information during the registration process, and cannot be contacted.

 If Indigo Psychics, in its sole discretion, determines the written feedback

contains personal attacks, the written portion may be removed.

 The feedback refers to another Member's feedback, mentions other Advisors,

or includes links, URLs, or information promoting another website.

 Feedback containing obscene language or referencing prohibited content.

 Feedback mistakenly left or intended for another Advisor will be considered

for removal only when the Member responsible informs Indigo Psychics of the

error.

 Indigo Psychics receives a court order requesting the removal of the

feedback.

It is not permitted for an Advisor to contact the Member to complain as this can be

considered harassment.

Other Restrictions

Contests

Indigo Psychics does not permit contests, promotions, drawings, or games of

chance.

Donations

Advisors may not solicit for donations from Indigo Psychics Members for services not

related to the service being provided on Indigo Psychics. This includes Advisors

running specials stating all or a portion of earnings will be donated or anything of the

like.

Exchanges

Indigo Psychics does not permit the exchange of physical items such as candles,

jewelry, or other personal items. Additionally, the Site is not intended for use as a

payment service to exchange physical goods. If you have to send it outside of the

Indigo Psychics platform or through the mail to receive it, it’s not allowed.

Tips

You are not permitted to request funds sent to you in the form of a tip in order to pay

for another service such as a bulk amount of time or a discounted per minute rate.

Because we are not able to verify that the service was provided, we do not permit

additional services to be exchanged through Indigo Psychics. It is imperative that

you only sell services on Indigo Psychics that can be provided on Indigo Psychics.

Advice

As an advisor for Indigo Psychics, you will not diagnose illnesses, provide

treatments, prescribe medications, or otherwise act as a medical care provider

through the site. You will not provide any service that requires a professional license,

such as a physician, psychiatrist, attorney, accountant, or financial planner, through

the site. You will not offer or provide advice, directly or through writings, as to the

value of securities or as to the advisability of investing in, purchasing, or selling

securities or any report or analysis concerning securities. You will not offer advice or

provide any product or services related to or claiming success with lottery numbers,

gambling or games of chance (including investing in stocks or crypto-currency). You

will not offer advice regarding physical death, pregnancy, or physical illnesses and

ailments.

HOWEVER, if you are a licensed Reiki Master, you are allowed to help your clients

with Chakra Healing and Cleansing. Be sure to provide valid and accredited

documentation to support your practice. Also remember to clarify that results may

vary, and that there is no guaranteed healing. We claim progress, not perfection.

Suicide Prevention

Indigo Psychics is not a suicide hotline.

If you are considering suicide, please call the National Suicide Prevention Lifeline at

1-800-273-8255. If you are aware of a Member considering suicide, please direct

them to call the National Suicide Prevention Lifeline. If you give your personal

information to a Member and later threaten suicide, we reserve the right to use that

information and contact the appropriate authorities; however, no guarantee is made

that someone will contact emergency personnel for you.

Terms of Service For SPG Solutions (Click4Advisor)

This Agreement ("Agreement") is a contract between You as a person using the Service so that You can receive advice ("You," "Your") and SPG Solutions, Inc., and applies to Your use of the Click4Advisor™ Services and any related products available through www.click4advisor.com (collectively the "Service") to receive or utilize advice. If You do not agree to be bound by the terms and conditions of this Agreement, please do not use or access our Services.

In this Agreement, any person or entity using the Service to receive advice, including but not limited to You is deemed a "User". Unless otherwise stated, "SPG Solutions" "SPG" "Click4Advisor" "we" or "our" will refer collectively to SPG Solutions, Inc. and its subsidiaries. In addition, "Advice" means any advice or other products or services You receive from an advisor through our Services (an "Advisor").

1. Eligibility. Our Services are available to individuals or businesses in good standing with SPG Solutions that can form legally binding contracts under applicable law in USA and Canada. Our Services allow calls to and from anywhere in the world. SPG Solutions reserves the right to accept or deny any application to become a User for any reason.

2. SPG is a Mere Service Provider. SPG Solutions is only a service provider. We act as a service provider by creating, hosting, maintaining, and providing our Services to enable Users to receive Advice from Advisors via the Internet and phone lines. We do not provide any Advice or other related products and services ourselves. We do not have control over the Advisor or the Advice available through the Click4Advisor Service. Advisors are not evaluated or screened by SPG Solutions, Advisor credentials are not verified by SPG Solutions, and we do not verify, guarantee or make any representations regarding the identity or qualifications of any Advisor, or the appropriateness of their category. Therefore, SPG Solutions is not responsible for the quality, veracity, accuracy, relevance, applicability, wholeness, safety or legality of any Advice, either spoken or written by Advisors, or of any of the details within Advisor profiles. You are solely responsible for the evaluation of Advisor qualifications and Advice. You agree not to disclose Your personal contact information to-or seek personal contact information from-any Advisor. Users who disclose personal contact information to Advisors do so at their own risk. SPG Solutions does not recommend or endorse any particular Advisors or any products or services offered by any Advisor, and does not warrant that Advisors found at Click4Advisor have the capabilities required to advise You without harm. Users who seek Advice do so at their own risk, and SPG Solutions is exempt from any responsibility in this regard.

3. You Take All Responsibility for Advice. You take full responsibility and will bear all liability for your interactions with Advisors and the results thereof, including but not limited to any disputes with any Advisors and any physical, mental, emotional, psychological, spiritual, technical, technological, health-related, relationship, career, investment, business, financial, equitable, or legal harm you may suffer in connection with an Advisor or any Advice. You, on behalf of yourself and your family, friends, principals, officers, employees, directors, shareholders, agents, attorneys, subsidiaries, predecessors, successors, and assigns, covenant not to sue SPG Solutions, its principals employees, officers, directors, shareholders, subsidiaries, partners, agents, attorneys, predecessors, successors, and assigns ("SPG Entities") for, and hereby irrevocably release, remise, discharge, acquit, and waive all claims against the SPG Entities from any and all liabilities, claims, suits, demands, actions, debts, accounts, bonds, damages (including but not limited to any direct, incidental, special, consequential, and punitive damages), expenses, fees, losses, costs and expenses (including but not limited to litigation costs and attorneys' fees) of every kind and nature, known and unknown, suspected and unsuspected, accrued and unaccrued, disclosed and undisclosed, present, past, or future, legal, equitable, or other, arising out of or in any way connected with any Advisor or Advice or with regard to any such disputes.

You are aware that certain state laws, provide essentially that:

You expressly waive and relinquish any right or benefit that you have or may have under such state laws, or any other statute or legal principle with similar effect.

4. Deposit, Balance, Transaction & Payment. You will make periodic deposits to SPG Solutions via the Click4Advisor User interface to create a balance to enable Your use of the Service. Deposits will be made via Your credit card or check into Your User account. Your balance is available for reference in Your User account. Your balance will increase and decrease as You deposit funds and make Click4Advisor calls. You hereby authorize SPG Solutions to collect fees for each Click4Advisor call or purchase, (each "Transaction"), by debiting Your User account balance immediately upon conclusion of each Transaction, regardless of quality, satisfaction, or completeness. Fees for calls are calculated based on the per-minute rate and the duration of the call. Click4Advisor per-minute rates are set forth in each individual Advisor's listing. You will only be able to make Service calls with a positive balance in Your account. Click4Advisor may from time to time with or without reason or notice require You to authenticate the ownership of the credit card used to make deposits and require You to provide a signature authorizing deposits.

5. Compliance. You will not use the Site or Service for any purpose that is unlawful, fraudulent or contrary to this Agreement or our policies. You will cooperate fully with SPG Solutions to investigate any suspected unlawful, fraudulent or improper activity. You will conduct all paid communications that You have with Advisors only through the Service, and You will not circumvent or attempt to circumvent the Service using Advisor-direct or third-party payment services. You will not use the Service to harass other Users or Advisors or to interfere with any other party's use of the Service. You will respect the privacy of others and not use the Service for inappropriate or unwelcome communications. Any attempt, without our authorization, to gain access to any other User or Advisor account information, computer systems or networks associated with the Service is prohibited.

You will provide current and accurate payment registration and personal contact information and will keep such information updated with Click4Advisor. False identification or impersonation of any other person or use of a name that You are not authorized to use is prohibited. "Spam," or unsolicited mass distribution of email or bulletin board postings to the Click4Advisor system is prohibited, and CAN-SPAM legislation applies to the Service environment. Any action that may undermine the Service's feedback system is prohibited. Please see our feedback policy for further information. Creation of any obscene, offensive, tasteless, defamatory or hateful content or User names in the Service is prohibited.

6. Call Transaction Disputes. If You dispute any Transaction or costs, You must notify SPG Solutions within 48 hours in writing through an email to support@click4advisor.com of such dispute; failure to so notify SPG Solutions shall result in the waiver by You of any claim against SPG relating to such Transaction or costs. Call Transaction costs shall be calculated solely based on call Transaction records maintained by SPG Solutions. SPG Solutions reserves the right to credit Your account, in full or part (or not at all), for the disputed call Transaction in question. Credit will be issued to Your Click4Advisor account balance for use toward subsequent calls. Such credit is limited to two (2) reimbursements per month, with a maximum of $10 per credit. However, You can request Your account balance be refunded to You at any time through an email to support@click4advisor.com.

If You intentionally attempt to defraud Click4Advisor by disputing Transactions when Click4Advisor has substantial, verifiable evidence that You in fact did utilize the Click4Advisor system to connect and speak with Advisors on the Click4Advisor system, You will pay not only for the Transaction activity in question, but also for a Fraudulent Dispute handling and administrative fee of $25 per each individual disputed payment. Further, in such cases, You agree that SPG Solutions will have the right to disclose Your contact information to the public and to any parties that may help in the collection process. Additionally, You agree that SPG Solutions will have the right to employ a collection agency to pursue proper payment from You; and if You refuse to pay the delinquent amount due, You understand and agree that SPG Solutions has the right to report such delinquent account to the appropriate credit bureaus and take any other appropriate legal action to pursue collection. The foregoing is not intended to limit, and SPG expressly reserves, any additional rights and remedies available at law or equity.

7. Disputes, Privacy & Monitoring. SPG Solutions does not monitor telephone conversations between Users & Advisors. However, SPG Solutions does reserve the right to review Service email messages and to contact Users and Advisors with or without revealing its identity (but never by providing a false identity), in order to investigate disputes and evaluate compliance with the Terms and Conditions of the User and Advisor Service Agreements. Further information can be found in our Privacy Policy.

8. Modification & Termination. SPG Solutions reserves the right in its sole discretion to modify this Agreement, in which case it will provide You with notice and an opportunity to agree to the new terms and conditions or to cease using the Service and terminate Your relationship with SPG Solutions. By continuing use following any posting of a new User Agreement or policies, You accept and agree to be bound by the new Agreement and/or policies. SPG Solutions may at any time terminate or change the Service or delete any User or Advisor from the system. SPG Solutions will notify You via email of any such termination or deletion, which shall be effective immediately. Upon deletion or termination of the Service or Your account, for any reason, You shall remain liable for any amount due for Transactions already delivered through Click4Advisor Service.

9. Limitation of Liability. IN NO EVENT WILL SPG SOLUTIONS BE LIABLE TO YOU FOR (I) ANY SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOSS OF CUSTOMERS, LOSS OF USE, LOSS OF INFORMATION, OR LOSS OF GOODWILL OR ANY PHYSICAL, MENTAL, EMOTIONAL, PSYCHOLOGICAL, SPIRITUAL, TECHNICAL, TECHNOLOGICAL, HEALTH-RELATED, RELATIONSHIP, CAREER, INVESTMENT, BUSINESS, FINANCIAL, EQUITABLE, OR LEGAL HARM IN CONNECTION WITH AN ADVISOR OR ANY ADVICE) OR COSTS OF PROCURING SUBSTITUTE SOLUTIONS, SEVICES, OR ADVICE OR (II) AMOUNTS GREATER THAN TWENTY ($20), ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR THE USE OF THE SERVICES, WHETHER SUCH LIABILITY ARISES FROM ANY CLAIM BASED UPON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR OTHERWISE, AND WHETHER OR NOT SPG HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

10. No Warranty. SPG SOLUTIONS MAKES NO WARRANTY, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WITH RESPECT TO CLICK4ADVISOR SERVICES AND OTHER SERVICES, AND EXPRESSLY DISCLAIMS THE WARRANTIES OR CONDITIONS OF NONINFRINGEMENT, MERCHANTABILITY AND FITNESS FOR ANY PARTICULAR PURPOSE.

SPG SOLUTIONS DOES NOT WARRANT THAT ANY PRODUCT OR SERVICE OR CONTENT OF THIS SITE IS OR WILL BE ACCURATE, CURRENT, AVAILABLE OR ERROR FREE. IF A PRODUCT OR SERVICE IS NOT AS DESCRIBED, YOUR SOLE REMEDY IS TO RETURN THE PRODUCT OR TERMINATE THE SERVICES.

11. Notice. Any notices from Click4Advisor required or given under this Agreement shall be in writing and sent by First Class mail or email to addressee's contact information provided as set forth in Paragraph 5. This notice shall be effective on receipt by Click4Advisor. Any notices from You required or given under this Agreement shall be in writing and sent by First Class mail, return receipt requested to 5960 Stoneridge Drive, Suite 206, Pleasanton, CA 94588 or to such other address as may be provided by Click4Advisor from time to time via notice as set forth in this paragraph.

12. Relationship of Parties; Waiver. This Agreement will not establish any relationship of partnership, joint venture, employment, franchise, or agency between the parties. No term or provision of this Agreement shall be deemed waived, and no breach or default shall be deemed excused unless such waiver or consent shall be in writing and signed by the party claimed to have waived or consented. No consent by any party to, or waiver of, a breach or default by the other, whether express or implied, shall constitute a consent to, waiver of or excuse for, any different or subsequent breach or default.

13. Basis of the Bargain. The parties expressly acknowledge and agree that they have each entered into this Agreement in reliance upon the release, the covenant not to sue, the lack of warranties, and the limitations of liability specified herein, which allocate the risk between them and form a basis of the bargain between the parties, and that without such provisions SPG Solutions would not offer the Service to You without additional charge.

14. Indemnity. You agree to indemnify, and hold harmless SPG Solutions, and its officers, directors, shareholders and agents (the SPG Parties), for any liability to any Advisor in connection with the negligent conduct, willful acts or omissions of You and Your agents, servants, employees or any other parties over whom You exercise control.

15. Force Majeure. SPG Solutions shall not be liable for any failure, interruption and/or diminution of Services in the event that such failure, interruption and/or diminution is the result of any fire, flood, epidemic, earthquake or any other act of explosion, strike or other disputes, riot or civil disturbance, war (whether declared or undeclared), armed conflict, any municipal ordinance, or state or federal law, governmental order or regulation, or order of any Court of competent jurisdiction, or other similar forces not within the control of SPG Solutions.

16. Credit Card Fraud. Credit card fraud is a federal offense in United States. SPG Solutions aggressively prosecutes anyone attempting to misuse a credit card number. SPG Solutions employs sophisticated tracking mechanisms and will use all means available to prosecute Users attempting fraud to the fullest extent of the law. All Transaction activity through Click4Advisor is tracked and we co-operate with federal and local agencies in case of fraud, submitting all information such as but not limited to: IP addresses, name, address, call records including phone numbers, and email addresses.

17. Miscellaneous. You will be responsible for all reasonable expenses (including attorneys' fees) incurred by SPG Solutions in collecting unpaid amounts under this Agreement. This Agreement is in effect executed in and shall be governed by the laws of State of California, excluding its conflict of laws principles. Any disputes, claims, or actions arising out of or relating to this Agreement, or the interpretation, making, performance, breach or termination thereof, will be brought in the state or federal courts located in Northern California, and the parties hereby irrevocably consent to jurisdiction and venue in such courts. This Agreement, together with SPG Solutions' policies referred to in this Agreement is the complete agreement and understanding of the parties with respect to the subject matter hereof, and supersedes any other agreement or understanding, written or oral regarding your role as a User. To the extent that there are any conflicts between the terms or conditions in such related policies and this Agreement, the terms and conditions of this Agreement shall govern. Any modifications You make to this Agreement must be made in a writing approved by the SPG Solutions and executed by both parties. Should any provision of this Agreement be declared void or unenforceable, such provision will be deemed amended to achieve as nearly as possible the same economic effect as the original terms and the remainder of this Agreement will remain in full force and effect.