Terms of service
OVERVIEW
This website is operated by CosmicMonica LLC, an American company. Throughout the site, the terms "we", "us" and "our" refer to CosmicMonica. CosmicMonica offers this website, including all information, tools and Services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.
By visiting our site and/or purchasing something from us, you engage in our "Service" and agree to be bound by the following terms and conditions ("Terms of Service", "Terms"), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.
Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any Services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.
Any new features or tools which are added to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
Our store is hosted on Shopify Inc. They provide us with the online e-commerce platform that allows us to sell our products and Services to you.
SECTION 1 - ONLINE STORE TERMS
By agreeing to these Terms of Service, you represent that you are at least 18 years old AND the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.
You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).
You must not transmit any worms or viruses or any code of a destructive nature. A breach or violation of any of the Terms will result in an immediate termination of your Services.
SECTION 2 - GENERAL CONDITIONS
We reserve the right to refuse Service to anyone for any reason at any time.
You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the Service is provided, without express written permission by us.
The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.
SECTION 3 - ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION
We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.
This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.
SECTION 4 - MODIFICATIONS TO THE SERVICE AND PRICES
Prices for our products are subject to change without notice.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.
We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.
SECTION 5 - PRODUCTS OR SERVICES
All products sold on this website are custom digital consulting services, including tarot readings, psychic consultations, and energy insights delivered via email.
By placing an order, you acknowledge and agree to the following:
Final Sale Policy: All services are final sale. Once work has begun on your reading—or it has been delivered—you are not eligible for a refund, cancellation, or exchange.
Immediate Service Commencement: Services begin shortly after purchase. For this reason, you waive any statutory cancellation rights (including under the UK Consumer Contracts Regulations, EU Consumer Rights Directive, Australian Consumer Law cooling-off provisions, US state consumer protection statutes, and any other applicable cooling-off or cancellation rights under consumer protection laws worldwide).
Delivery Requirements: Delivery is based on the details you provide. If you submit an incorrect or incomplete email address, or fail to include required information (e.g. focus questions or date of birth), this may delay delivery but does not entitle you to a refund.
Non-resonance Policy: Non-resonance is not a refund reason. These readings are interpretive in nature. A reading that does not personally resonate is still considered a completed service.
Email Delivery: Missing emails do not equal missing service. If you cannot find your reading, check your spam or junk folder. If necessary, contact us and we will assist in re-sending it—but this does not qualify as non-fulfillment or grounds for a refund.
Jurisdiction and Enforcement: These terms are enforceable worldwide. Regardless of your location, you agree that UK law governs this agreement and that UK courts have jurisdiction over any disputes.
Please read our full Refund Policy for more details.
SECTION 5A – COMPREHENSIVE DISCLAIMER: FOR ENTERTAINMENT AND PERSONAL GUIDANCE ONLY
Entertainment Purpose Only: All readings, consultations, and spiritual insights provided through this website are intended for personal reflection and entertainment purposes only. They are not a substitute for professional advice or treatment of any kind.
No Professional Advice: By purchasing or engaging with our services, you understand and agree that we do not offer legal, financial, medical, psychological, therapeutic, psychiatric, counseling, relationship, career, investment, or any other types of professional advice whatsoever.
Personal Responsibility: You are solely and entirely responsible for any actions, decisions, or choices you make based on the content of your reading. You acknowledge that you should never make important life decisions based solely on tarot readings or spiritual guidance.
No Guaranteed Outcomes: No specific outcome, result, or prediction is guaranteed. Results, if any, may vary significantly between individuals. Past performance or experiences of others do not indicate future results.
Seek Professional Help: If you require professional support in any area of your life including but not limited to legal, medical, financial, psychological, or relationship matters, we strongly encourage and urge you to seek licensed, qualified professional services appropriate to your specific needs.
Decision-Making Responsibility: Any decisions you make regarding your health, relationships, finances, career, legal matters, or any other aspect of your life are made entirely at your own risk and discretion. We expressly disclaim any responsibility for the consequences of your decisions or actions.
Mental Health Disclaimer: Our services are not suitable for individuals experiencing mental health crises or serious psychological distress. If you are experiencing thoughts of self-harm or suicide, please contact emergency services or a mental health professional immediately.
SECTION 5B - PAYMENT DISPUTES AND CHARGEBACK POLICY
By purchasing our services, you acknowledge and agree that:
Chargeback Limitations: Initiating a credit card chargeback, debit card dispute, or payment reversal does not terminate this agreement or discharge your obligation to pay for services rendered. The chargeback process is a payment dispute mechanism between financial institutions and does not affect the underlying contractual obligations between you and CosmicMonica.
Fraudulent Chargebacks: Filing a chargeback claim for services that were delivered as agreed may constitute fraud under applicable law. You warrant that any payment dispute you initiate is made in good faith with legitimate grounds.
Debt Recovery: If you initiate a chargeback for delivered services, you remain liable for the original service cost plus additional fees including but not limited to chargeback processing fees, administrative costs, late payment compensation, interest charges at statutory rates, and reasonable debt recovery costs including legal fees. Specific amounts are subject to applicable law and will be calculated at the time of collection.
Settlement Opportunities: We may, at our sole discretion, offer settlement arrangements for disputed payments. Any such offers do not waive our right to pursue full collection of amounts owed.
Legal Action: We reserve the right to pursue all available legal remedies for recovery of amounts owed, including but not limited to court proceedings, asset enforcement, credit reporting, and debt collection actions. Such actions may be taken in any jurisdiction where you reside or have assets.
Evidence Retention: We maintain comprehensive records of all transactions, communications, and service delivery confirmations, which may be used in legal proceedings or chargeback disputes.
International Enforcement: These debt recovery provisions are enforceable worldwide and you consent to jurisdiction in UK courts for any collection proceedings.
SECTION 6 - ACCURACY OF BILLING AND ACCOUNT INFORMATION
We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e‑mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.
You agree to provide current, complete and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.
Service Fulfillment: An order is considered fully completed and delivered when sent to the email address provided during checkout, regardless of whether you receive, read, or can access the email. This includes situations where:
- You provided an incorrect email address
- Emails are filtered to spam/junk folders
- You no longer have access to the email account
- Technical issues prevent email delivery on your end
- Email service provider issues on your end
It is your sole responsibility to provide accurate contact information and ensure you can receive emails at the address provided. Failure to receive an email due to user error, technical issues, email filtering, or any other reason on your end does not constitute non-delivery or grounds for refund or chargeback.
SECTION 6A - PAYMENT PROCESSING
All payments are processed through third-party payment processors (including but not limited to Shopify Payments, Stripe, PayPal). By making a purchase, you agree to be bound by the terms and conditions of these payment processors in addition to these Terms of Service.
You acknowledge that failed payments, chargebacks, or payment disputes may result in additional fees and collection actions. We reserve the right to use any payment method on file to collect amounts owed, including fees and charges resulting from payment disputes.
SECTION 7 - OPTIONAL TOOLS
We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.
You acknowledge and agree that we provide access to such tools "as is" and "as available" without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
Any use by you of the optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).
We may also, in the future, offer new Services and/or features through the website (including the release of new tools and resources). Such new features and/or Services shall also be subject to these Terms of Service.
SECTION 8 - THIRD-PARTY LINKS
Certain content, products and Services available via our Service may include materials from third-parties.
Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or Services of third-parties.
We are not liable for any harm or damages related to the purchase or use of goods, Services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
SECTION 9 - USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS
If, at our request, you send certain specific submissions (for example contest entries) or without a request from us, you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.
We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party's intellectual property or these Terms of Service.
You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e‑mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.
SECTION 10 - PERSONAL INFORMATION
Your submission of personal information through the store is governed by our Privacy Policy.
SECTION 10A - DATA COLLECTION AND USE
We collect and retain transaction data, IP addresses, device information, location data, communications, and other information provided during the purchase and service delivery process. This information is used for business purposes including but not limited to fraud prevention, service delivery, legal compliance, debt collection, and chargeback dispute resolution.
This information may be shared with payment processors, legal authorities, debt collection agencies, credit reporting agencies, and other third parties as necessary for business operations and legal compliance. You consent to such collection, retention, and sharing of your information.
We maintain comprehensive records of all transactions and communications, which may be used in legal proceedings, chargeback disputes, or debt collection activities.
SECTION 11 - ERRORS, INACCURACIES AND OMISSIONS
Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).
We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.
SECTION 12 - PROHIBITED USES
In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.
SECTION 13 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
We do not guarantee, represent or warrant that your use of our Service will be uninterrupted, timely, secure or error-free.
We do not warrant that the results that may be obtained from the use of the Service will be accurate or reliable.
You agree that from time to time we may remove the Service for indefinite periods of time or cancel the Service at any time, without notice to you.
You expressly agree that your use of, or inability to use, the Service is at your sole risk. The Service and all products and Services delivered to you through the Service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.
In no case shall CosmicMonica, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, Service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the Service or any products procured using the Service, or for any other claim related in any way to your use of the Service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Service or any content (or product) posted, transmitted, or otherwise made available via the Service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
Maximum Liability: In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount you paid for the specific service giving rise to the claim.
Our Services are interpretive in nature and intended for personal reflection and entertainment purposes only. No guarantees are made as to outcomes, emotional response, or resonance. You agree that the content of your reading is subjective and non-refundable once provided.
Chargeback Consequences: You acknowledge that initiating payment disputes for delivered services may result in additional costs, legal action, credit reporting, and potential fraud charges. The total cost of resolving disputed payments may significantly exceed the original service cost.
SECTION 13A - ARTIFICIAL INTELLIGENCE AND DIGITAL TOOLS DISCLOSURE
Use of Digital Technology: The content and services provided through this website involve the use of artificial intelligence, machine learning algorithms, automated systems, and other digital tools to assist in the creation, customization, and/or delivery of readings and content.
Automated Content Generation: Messages, readings, and consultations may be partially or entirely generated using artificial intelligence and automated systems. Content may be created through algorithms that process your input information and generate responses based on programmed parameters and data sets.
Persona: The persona "Monica" featured on this site is a fictional character and digital identity created to provide a consistent user experience and to protect identity. “Monica", and her name, image, and identity are symbolic representations designed to support a personalized experience and protect the identity of the readers.
No Human Authorship Guarantee: Content provided through this service is not guaranteed to be authored by any specific individual or human being. Any personal-style language, direct address, or conversational tone used within the service should not be interpreted as evidence of human authorship or as a statement of fact regarding the origin of the content.
Digital Experience: By using this service, you acknowledge and accept that you are engaging with a digital experience that may involve automated content generation, artificial intelligence, and fictional personas. The service is designed to provide entertainment and personal reflection opportunities through digital means.
No Misrepresentation: This disclosure is provided to ensure full transparency. No claims are made regarding supernatural abilities, psychic powers, or spiritual connections beyond the entertainment value of the digital experience provided.
Technology Evolution: The specific technologies, algorithms, and methods used to provide services may change over time without notice. This includes but is not limited to updates to artificial intelligence models, automated systems, and content generation methods.
SECTION 14 - INDEMNIFICATION
You agree to indemnify, defend and hold harmless CosmicMonica and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, Service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
This indemnification includes but is not limited to costs arising from fraudulent chargebacks, payment disputes for delivered services, any legal proceedings required to collect amounts owed, and any claims related to your use of our services or your decisions based on content provided.
SECTION 15 - SEVERABILITY
In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.
SECTION 16 - TERMINATION
The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.
These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.
If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).
Termination of this agreement does not discharge any outstanding payment obligations or prevent us from pursuing debt recovery for services already rendered.
SECTION 17 - ENTIRE AGREEMENT
The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
These Terms of Service and any policies or operating rules posted by us on this site or in respect to the Service constitutes the entire agreement and understanding between you and us and governs your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.
SECTION 18 - GOVERNING LAW
These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of United Kingdom. You consent to the exclusive jurisdiction of UK courts for any disputes arising from these Terms of Service or your use of our services.
SECTION 19 - CHANGES TO TERMS OF SERVICE
You can review the most current version of the Terms of Service at any time at this page.
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.
SECTION 20 - FORCE MAJEURE
We are not liable for any failure or delay in performance of our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, government actions, internet or telecommunications failures, power outages, technical failures, or any other events that are unforeseeable or outside our control.
In such circumstances, our performance obligations will be suspended for the duration of the force majeure event, and we will not be liable for any resulting delays or non-performance.