BOOKTAROT
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Terms of Service

Version 2.0 · Effective 2026-05-26 · GLOBAL

The binding agreement between you and BookTarot governing your access to and use of the Platform, with jurisdictional riders for the EU/EEA, UK, US (including a binding-arbitration and class-action waiver for US users, with a 30-day opt-out), Canada, Australia, New Zealand, Brazil, Japan, and the rest of the world.

PLAIN-LANGUAGE SUMMARY · NOT A SUBSTITUTE FOR THE FULL TEXT. BookTarot is a marketplace that connects you with independent tarot Readers for live video sessions for entertainment and personal reflection. Readings are not medical, legal, financial, psychological, or psychiatric advice. You must be at least 18 (or higher if your jurisdiction requires it). If you live in the United States, Section 28 requires you to resolve most disputes by individual binding arbitration and waives your right to participate in a class action — with a 30-day right to opt out by email. Mandatory consumer rights in your country are not affected by anything in this document. Read the whole thing before you book.

These Terms of Service (these "Terms") form a binding agreement between you ("you", "your", "User") and BookTarot Ltd., a company incorporated in England and Wales (company number to be inserted on company-registration completion), registered office at the address published at /legal/imprint ("BookTarot", "we", "us", "our"). By creating an Account, booking a Session, or otherwise accessing or using the Platform, you agree to these Terms and to the documents incorporated by reference in Section 2.5. If you do not agree, do not use the Platform.

A note on legal review. These Terms are drafted to a production standard but are not a substitute for advice from counsel admitted in your jurisdiction. Operators of this Platform should retain qualified counsel in each material market before launch, with particular attention to (i) state-by-state divergence in the United States (notably California, New York, Illinois, Florida, Texas, Washington, and the fortune-telling statutes of Pennsylvania, Louisiana, Maryland and Nebraska), (ii) post-Brexit divergence in the United Kingdom, (iii) EU member-state implementation of the Digital Services Act, the Consumer Rights Directive, the Omnibus Directive, the AI Act, and the Platform-to-Business Regulation, and (iv) data-protection obligations under the GDPR, UK GDPR, Brazilian LGPD, Canadian PIPEDA, and the California Consumer Privacy Act as amended by the CPRA.

1. Definitions

When capitalised in these Terms, the following words have the meanings given here:

  • "Account" means the registered account you create on the Platform.
  • "Booking" means a confirmed reservation of a Session at a stated price.
  • "Client" means a User who books a Session as a recipient of the reading.
  • "Content" means any text, images, audio, video, ratings, reviews, profile information, message-thread content, or other material posted to or transmitted through the Platform.
  • "Force Majeure Event" has the meaning in Section 31.
  • "Platform" means the websites at booktarot.com and its subdomains, the BookTarot mobile applications, the application programming interfaces published at /api, and any related products, features, or services that link to these Terms.
  • "Platform Fee" means the commission BookTarot retains on each Session, disclosed in the Reader Agreement.
  • "Reader" means an independent professional approved by BookTarot to offer Sessions on the Platform.
  • "Reader Agreement" means the agreement at /legal/reader-agreement that governs the relationship between BookTarot and a Reader.
  • "Recording" means an audio or audio-visual capture of a Session generated through the Platform's recording feature.
  • "Services" means the Platform plus the services BookTarot itself provides (matchmaking, payment processing through Stripe, dispute handling, trust-and-safety review, hosting, video infrastructure, etc.). It does not include the reading itself, which is provided by the Reader.
  • "Session" means an individual tarot reading scheduled and conducted through the Platform.
  • "we", "us", "our", "BookTarot" — see preamble.

Headings are for convenience only and do not affect interpretation. The singular includes the plural and vice versa. "Include" and "including" are not words of limitation.

2. About us, the Platform, and the documents that make up our agreement

2.1 Who we are

BookTarot operates an online marketplace that connects independent Readers with Clients seeking live, video-based tarot sessions. We provide the technology layer (search, booking, payment, video, recordings, dispute handling, reviews, identity verification) and a trust-and-safety layer (vetting, policies, moderation). The reading itself is supplied by the Reader. The Reader is an independent contractor and is not our employee, agent, partner, or representative; we have no power to control how a Reader conducts a reading beyond the policies in these Terms, the Acceptable Use Policy, and the Reader Agreement.

2.2 What we are not

We are not licensed medical, legal, financial, psychological, psychiatric, or spiritual-care professionals. We are not a clinic, a law firm, a registered investment adviser, a hospital, a hotline, a religious institution, an insurance company, or a regulated advice service of any kind. We do not employ Readers as a matter of substance or form. We do not warrant the accuracy, suitability, or outcomes of any reading.

2.3 What the Platform is for

The Platform is for entertainment, reflection, and personal exploration through the framework of tarot. Sessions are conversations between two adults, not consultations with a regulated professional.

2.4 Who these Terms bind

These Terms bind every User of the Platform — Clients, Readers, organisational customers, and visitors. Where a section is expressly addressed to one group (for example, the Reader-specific provisions of the Reader Agreement), that section applies in addition to the rest of these Terms.

2.5 Documents incorporated by reference

The following documents form part of these Terms and apply with the same force as the main text. In case of conflict, the main text of these Terms controls except where the linked document expressly says otherwise.

  • Privacy Policy at /legal/privacy
  • Cookie Policy at /legal/cookies
  • Acceptable Use Policy at /legal/acceptable-use
  • Community Guidelines at /legal/community
  • Refund Policy at /legal/refund
  • Reader Agreement at /legal/reader-agreement (Readers only)
  • DMCA and Notice-and-Action Policy at /legal/dmca
  • Data Processing Addendum at /legal/dpa (organisational customers only)
  • Trust & Safety Policy at /legal/trust-safety
  • Crisis & Safety Resources at /legal/crisis-resources
  • Disclaimer at /legal/disclaimer
  • Accessibility Statement at /legal/accessibility
  • Modern Slavery Statement at /legal/modern-slavery
  • Subprocessors list at /legal/subprocessors
  • Transparency Report at /legal/transparency
  • Imprint and corporate identifiers at /legal/imprint

3. Eligibility, capacity, sanctions, and prior conduct

3.1 Minimum age

You must be at least 18 years old to create an Account or book a Session. In jurisdictions where local law requires a higher age threshold for divination, spiritual, or related entertainment services — including the United Arab Emirates, the Kingdom of Saudi Arabia, Qatar, Kuwait, Oman, and the Kingdom of Bahrain — the minimum age is 21. We may decline service in any jurisdiction where the legal status of tarot or divinatory services is unclear or restrictive, and we maintain a country-availability list at /unavailable.

3.2 Capacity

You confirm that you have the legal capacity to enter into this agreement. If you are accessing the Platform on behalf of a company or other organisation, you confirm that you are authorised to bind that organisation, in which case "you" and "your" include that organisation.

3.3 Sanctions and export controls

You confirm that you are not (a) located, ordinarily resident, or established in any jurisdiction subject to comprehensive sanctions by the United States Office of Foreign Assets Control ("OFAC"), the United Nations, the European Union, the United Kingdom, or any other competent authority (including, as of the effective date, Cuba, Iran, North Korea, Syria, and the non-government-controlled areas of Ukraine including Crimea, the so-called Donetsk and Luhansk People's Republics, and Russia in respect of activities prohibited by applicable sanctions); (b) listed on any sanctions or denied-parties list (including OFAC's Specially Designated Nationals list, the UK Consolidated List, the EU Consolidated Financial Sanctions List, or HM Treasury's lists); or (c) acting on behalf of any such person or government. You agree not to use the Platform in violation of any export control or sanctions law. We screen Users against sanctions lists and reserve the right to suspend, terminate, freeze payouts, and reverse transactions where a match or reasonable suspicion of a match occurs.

3.4 No prior ban; one Account per person

You confirm you have not previously been suspended or removed from the Platform. Each natural person may hold one personal Account. Readers may hold one Reader Account; a single natural person may hold both a Client Account and a Reader Account under separate registered email addresses where they are the same person operating in different capacities.

3.5 Government-restricted persons

Certain elected officials, sitting judges, regulators with active oversight of BookTarot, and others holding offices that create a conflict of interest may be ineligible to use the Platform; we will decline service where required by law or by our internal compliance policies.

4. Account registration, security, and verification

4.1 Registration

To create an Account you must provide a working email address, a display name, and a password meeting our complexity rules, and confirm you are at least 18. We may request additional information for compliance, anti-fraud, anti-money-laundering, or know-your-customer purposes. You must keep your information accurate and up to date.

4.2 Credentials and account security

You are responsible for keeping your password confidential and for all activity that occurs under your Account. We strongly recommend you enable multi-factor authentication when available. You must promptly notify us at support@booktarot.com on becoming aware of any unauthorised access. We are not liable for losses arising from your failure to safeguard your credentials.

4.3 No account sharing

You may not share your Account with any other person, sell it, lend it, or transfer it. Sessions are personal to the Client; the person on the call must be the Account holder unless we have approved a gift booking and the gifted recipient has accepted these Terms separately.

4.4 Reader verification

Readers undergo identity verification through a third-party provider, review of professional history and references, acceptance of the Reader Agreement, completion of a working interview, and (where applicable) tax-form collection (W-9 in the United States; W-8BEN/W-8BEN-E for non-US persons; DAC7 information for EU-resident sellers). We may decline applications without giving reasons.

4.5 Identity verification of Clients

For higher-value Bookings, payouts of refunds to alternative payment methods, or where we receive a fraud alert from our payment processor or a regulator, we may require Clients to verify identity through a third-party identity provider. Refusal to verify is a permitted ground to refuse service.

5. The Services: entertainment, not professional advice

5.1 Nature of readings

Tarot readings on the Platform are intended for entertainment, personal reflection, and self-exploration. They are not, and must not be presented as, a substitute for professional medical, legal, financial, psychological, psychiatric, or other regulated advice. Outcomes referenced in a reading are not predictions of fact and you must not treat them as such.

5.2 Prohibited reading content

Readers are contractually prohibited from (a) making medical diagnoses, recommending treatment, or commenting on prognosis of any medical condition; (b) providing legal counsel, drafting documents, recommending a course of legal action, or commenting on the merits of a specific case; (c) recommending specific securities, derivatives, real-estate transactions, or other regulated financial products or making projections about specific market movements; (d) predicting third parties' death, terminal illness, pregnancy, sexual orientation, or gender identity; (e) advising in or around crisis topics in any manner that could discourage a person from seeking emergency assistance; (f) performing readings for minors; (g) performing readings for any person who appears visibly impaired or intoxicated; (h) offering or upselling curse-removal, hex-removal, energy-clearing, ritual, or similar services not contemplated by these Terms; (i) charging amounts outside the Platform; (j) soliciting tips, gifts, or further payments under emotional pressure.

5.3 Crisis content

If at any time during a Session a Client expresses suicidal ideation, intent to harm themselves or others, describes ongoing abuse, sexual assault, child endangerment, intimate-partner violence, substance-use crisis, or human trafficking, the Reader will pause the reading, listen without judgement, share regionally appropriate crisis resources from our Crisis & Safety Resources page at /legal/crisis-resources — which lists free, confidential, country-specific helplines for over sixty jurisdictions including suicide-prevention lines (988 in the US/Canada, Samaritans 116 123 in the UK/Ireland, 3114 in France, 024 in Spain, 13 11 14 Lifeline in Australia, 1737 in New Zealand, 1393 in South Korea, 1995 in Taiwan, 1767 SOS in Singapore, 1860 2662 345 Vandrevala in India, 188 CVV in Brazil, 0800 567 567 SADAG in South Africa, and many others), domestic-violence lines, sexual-assault helplines, child-protection helplines, LGBTQ+ crisis lines, substance-use lines, and human-trafficking hotlines — and end the Session if doing so is in the Client's interest. The Reader will encourage you to contact the resource and may, with your permission, stay on the line while you do. We may issue a partial refund on a case-by-case basis. The Reader will not give medical, psychiatric, legal, or substance-use advice during the Session, and will not interpret the cards in a way that could be perceived as discouraging you from seeking emergency help.

5.4 No guarantee of outcomes

We do not warrant that any reading will be accurate, satisfying, or applicable to your circumstances. Tarot is interpretive. Different Readers using the same spread on the same question will often arrive at materially different framings. Any expectation of a specific outcome is misplaced.

5.5 Fortune-telling disclosures

In jurisdictions whose statutes regulate "fortune-telling" or related activities (including, in the United States, Pennsylvania 18 Pa. C.S. § 7104, Louisiana R.S. 14:269, Maryland Code Criminal Law § 3-905, and the Nebraska Revised Statutes), the Platform displays the "entertainment only" disclosure such statutes require, and you acknowledge that you understand and accept that framing. Any reading is delivered "for entertainment purposes only" within the meaning of those statutes.

6. The Reader–BookTarot–Client relationship

6.1 Independent contractor

The Reader is an independent contractor. The contract for the reading itself is between you (as Client) and the Reader. We are not a party to that contract except in our limited role as the platform that hosts the booking, takes payment as the Reader's limited collection agent (where applicable), and provides the trust-and-safety wrapper.

6.2 Limited collection agency

Where local law permits, we accept payment from the Client as the Reader's limited payment-collection agent through Stripe Connect. Payment to BookTarot satisfies the Client's payment obligation to the Reader to the extent of the amount collected. If we are required to refund a payment, we may recover the corresponding amount from the Reader's account or future payouts.

6.3 No employment

Nothing in these Terms creates an employment, agency, partnership, joint venture, or franchise relationship between you and BookTarot, or between BookTarot and a Reader.

7. Bookings and payment

7.1 Making a Booking

You may book a Session by selecting a Reader, a spread, a date, and a time, providing the required information, and confirming payment. A Booking is binding only when we (or our payment processor on our behalf) send a confirmation. We may decline any Booking at our discretion (for example, on suspicion of fraud, sanctions match, or a policy violation).

7.2 Payment processor

Payments are processed by Stripe, Inc. or one of its affiliates ("Stripe"). Your payment is subject to Stripe's terms (https://stripe.com/legal/end-users). We do not store full payment-card numbers on our servers; tokenised payment information is held by Stripe under PCI-DSS standards.

7.3 Authorisation and capture

When you confirm a Booking, you authorise us (and Stripe on our behalf) to charge the displayed amount to the payment method you select. Where Strong Customer Authentication is required by Directive (EU) 2015/2366 ("PSD2") or by an equivalent rule in your country, you may be prompted to authenticate the transaction with your bank.

7.4 Currency and conversion

Prices are displayed in your local currency where supported. The displayed currency is converted to the Reader's settlement currency at the rate offered by Stripe at the time of capture; you bear any difference between that rate and the rate offered by your card issuer. Where your card issuer charges a foreign-transaction fee, that fee is your responsibility.

7.5 Taxes

VAT, GST, sales tax, JCT, and other consumption taxes are calculated at checkout based on your location and added to the displayed price as required. Where we are obliged to act as a deemed seller for VAT/GST purposes (for example, under the UK or EU one-stop-shop regimes, the EU's Council Directive (EU) 2017/2455, the Australian GST law for low-value imported services, or the JCT reverse-charge rules), we will collect and remit the applicable tax. You are responsible for any other taxes that apply to your purchase under the laws of your country of residence.

7.6 Gift bookings

You may book a Session as a gift for a named recipient. The recipient must accept these Terms and confirm they are at least 18 before the Session can take place. Refunds of gift bookings are issued to the original purchaser.

7.7 Chargebacks

If you dispute a charge with your card issuer rather than contacting us first, you authorise us to suspend your Account pending investigation, and you will reimburse us for any reasonable costs we incur including chargeback fees imposed by the card networks. We will work in good faith to resolve any payment dispute before treating it as a chargeback.

7.8 Failed payments

If a payment fails after a Booking is provisionally created, we will hold the slot for up to thirty minutes and then release it. Persistent payment failures may result in temporary throttling of your Account.

7.9 Promotional codes and credits

Promotional codes are subject to the conditions stated at issue. Credits are non-refundable for cash, expire as stated, and are not transferable except to a recipient of a gift booking that you specify at the time of issue.

8. Cancellations, rescheduling, no-shows, and refunds

The following matrix is supplemented by the Refund Policy at /legal/refund. In any conflict between this Section 8 and the Refund Policy, the Refund Policy controls.

8.1 Client-initiated cancellation

  • More than 24 hours before the scheduled start: full refund or one free reschedule.
  • 12 to 24 hours before the scheduled start: 50% refund or one free reschedule.
  • Less than 12 hours before the scheduled start: non-refundable, except as required by mandatory consumer law.

8.2 Reader-initiated cancellation or no-show

  • Full refund to the Client (including taxes and processing fees), with the option to rebook with the same Reader or any other Reader at no extra cost.
  • Material no-shows result in Reader penalties under the Reader Agreement.

8.3 Client no-show

  • Non-refundable, except where mandatory consumer law in your jurisdiction provides otherwise.

8.4 Technical failure

  • Where the technical failure originates on the Platform: full refund or rebooking at the Client's option.
  • Where the technical failure is on the Reader's side and they are unable to deliver the Session within a reasonable grace period (typically up to 15 minutes): treated as a Reader cancellation.
  • Where the technical failure is on the Client's side and the Reader has waited a reasonable period: treated as a Client no-show.

8.5 Partial sessions

If the Session begins but is interrupted, we will issue a pro-rata refund based on minutes remaining if more than 50% of the booked time remains at interruption. If less than 50% remains, no refund is due unless the cause is the Reader or the Platform.

8.6 Goodwill exceptions

We may offer goodwill refunds outside the policy at our discretion. These do not establish a course of dealing and do not waive our right to apply the policy in future.

8.7 EU/UK/Brazil cooling-off periods

For consumers resident in the EU, UK, or Brazil, the statutory cooling-off period applies to distance and off-premises contracts. Because Sessions are digital services with immediate performance, you expressly waive the cooling-off period at checkout when you confirm a Booking; that waiver is required to schedule the Session. See Section 30 for the specific provisions.

8.8 Mechanism

Refunds are issued to the original payment method. They typically appear within 5–10 business days but may take longer depending on your card issuer. We do not control issuer timing.

9. Reader payouts, reporting, and Platform Fee

9.1 Platform Fee

The Platform Fee is forty percent (40%) of the gross Session price as displayed at checkout. The remaining sixty percent (60%) is the Reader's gross payout before applicable taxes. The exact split is shown in the Reader Agreement with a worked example.

9.2 Payout schedule

Payouts are issued to the Reader's Stripe Connect account on a rolling schedule, currently weekly with a three-day hold-back from initial settlement. We may extend the hold-back where fraud, chargebacks, or trust-and-safety reviews are pending.

9.3 Reserves

We may impose a reserve on a Reader's Stripe Connect account where required by Stripe's risk policies, where a chargeback ratio exceeds applicable thresholds, or where we reasonably suspect activity inconsistent with these Terms or the Reader Agreement.

9.4 Tax reporting

We may issue or facilitate tax reporting as required by applicable law, including:

  • US Form 1099-K (gross Reader earnings, where the Reader exceeds the applicable IRS threshold).
  • US Form 1099-MISC where applicable.
  • Reporting under the OECD Model Rules on Digital Platforms as implemented in EU member states by Council Directive (EU) 2021/514 ("DAC7"). Readers resident in the EU must provide the information we request for DAC7 compliance.
  • UK reporting under the UK adoption of the OECD Model Rules effective January 1, 2024.

You agree to provide the information we require to comply with these obligations and to keep that information accurate. We may suspend payouts until required information is provided.

9.5 No tax advice

Information we provide about tax obligations is informational and is not tax, legal, or accounting advice. You are responsible for your own tax compliance.

10. Recording, consent, and biometric considerations

10.1 Default off

Recording is off by default. The Platform will not record a Session unless both the Client and the Reader explicitly opt in to recording through the in-Session controls before the recording starts.

10.2 Two-party-consent jurisdictions

A number of jurisdictions require all parties to a conversation to consent to its recording, including (without limitation) California, Connecticut, Delaware, Florida, Illinois, Maryland, Massachusetts, Michigan, Montana, Nevada, New Hampshire, Oregon (in-person), Pennsylvania, Vermont, Washington, and many countries in the European Economic Area. By opting in through the Platform you consent to the recording for the purposes set out here.

10.3 Purpose limitation

Recordings are created only for delivery to the Client, retention by the Client for personal use, dispute investigation, and trust-and-safety review. We do not sell Recordings, license them to advertisers, train artificial-intelligence or machine-learning models on them, or otherwise use them beyond these purposes.

10.4 Retention and deletion

By default, Recordings are retained for 90 days unless the Client downloads them, in which case the Client controls retention. We delete server-side copies on the schedule disclosed in the Privacy Policy. The Client may request earlier deletion through the dashboard.

10.5 Biometric considerations

Live video involves the transmission of likeness, voice, and other identifying features. We do not perform facial-recognition processing on Recordings. To the extent any feature in future would process biometric identifiers within the meaning of Illinois's Biometric Information Privacy Act, Texas Business and Commerce Code § 503.001, Washington's RCW 19.375, or similar laws, we will obtain the consent those laws require before activating the feature for you.

10.6 No off-platform recording

You may not record a Session using any tool outside the Platform's recording feature without the other party's prior written consent. Off-platform recording is a material breach and may be a criminal offence in your jurisdiction.

11. Communications, email, and SMS

11.1 Operational communications

By creating an Account, you consent to receive operational communications by email at the address you have registered, including Booking confirmations, payment receipts, reminders, security alerts, dispute updates, and changes to these Terms.

11.2 Marketing communications

We will send marketing communications only where you have separately consented or where we are otherwise permitted by applicable law. You can opt out at any time using the unsubscribe link in any marketing email or through your Account settings.

11.3 SMS / WhatsApp

Where you opt in, we may send Booking reminders by SMS or messaging app to the number you register. Standard message and data rates may apply. We send messages from numbers registered with carriers as required (including, in the United States, compliance with the Telephone Consumer Protection Act and CTIA guidelines, and registration of high-volume traffic under 10DLC). Text "STOP" to opt out or "HELP" for help. Your opt-out is processed within ten business days.

11.4 Telephone calls

We do not make outbound marketing telephone calls. Customer-support callbacks occur only at your request.

12. Acceptable use

You agree not to, and not to attempt to, do any of the following. The fuller list is in the Acceptable Use Policy at /legal/acceptable-use; this Section 12 controls in the event of conflict.

12.1 Conduct prohibitions

  • Impersonate any natural or legal person, misrepresent your identity, or misrepresent affiliation with any person or organisation.
  • Harass, threaten, abuse, defame, or discriminate against any User on the basis of race, ethnicity, national origin, religion, caste, age, disability, gender identity, sexual orientation, marital status, pregnancy, or veteran status.
  • Solicit sexual content from any User or use the Platform to engage in sexual or sexually suggestive interactions.
  • Provide any content sexualising or harming children, depicting non-consensual conduct, or promoting violence.
  • Use the Platform for sex work, escort services, or similar transactions.
  • Promote, organise, or finance terrorism, violent extremism, or organised crime.
  • Use the Platform to launder money, evade sanctions, or facilitate any other financial crime.
  • Discuss medical diagnoses, treatment plans, prognoses, legal cases, or specific securities in a manner inconsistent with Section 5.

12.2 Off-platform circumvention

Once a connection between a Client and a Reader is established through the Platform, you may not (a) move communications off-platform to avoid Platform Fees, (b) provide off-platform contact details to a Reader you met through the Platform, or (c) book future Sessions outside the Platform with a Reader you met through the Platform, for a period of twelve months from your first Booking with that Reader. We monitor this through pattern analysis and may require liquidated damages equal to the average revenue we would have earned from a typical Client-Reader pairing over twelve months.

12.3 Technical prohibitions

  • Reverse-engineer, decompile, disassemble, or attempt to derive source code from any part of the Platform, except to the extent expressly permitted by mandatory law (including Articles 5 and 6 of Directive (EU) 2009/24/EC on the legal protection of computer programs for EU residents).
  • Probe, scan, or test the vulnerability of any system without prior written authorisation.
  • Bypass, breach, or circumvent any security or authentication measure, including credential stuffing, brute-force attacks, or use of stolen credentials.
  • Use any automated tool (bot, scraper, crawler, headless browser, residential-proxy network) to access the Platform except in compliance with the published robots.txt, sitemaps, and rate limits, or under an express agreement with us.
  • Use the Platform in a way that could damage, disable, or impair it, including denial-of-service attacks.
  • Introduce malware, spyware, or similar.
  • Frame, mirror, or commercially redistribute the Platform.
  • Remove or alter any copyright, trademark, or other proprietary notice.

12.4 Misuse of trust-and-safety tools

You may not file fraudulent reports, abuse the dispute system, or otherwise misuse trust-and-safety features. Reports made in bad faith may themselves be a breach.

13. Artificial-intelligence and machine-learning prohibition; scraping

13.1 No training

You may not, and may not assist or instruct any third party (including any large-language-model provider, foundation-model trainer, or data broker) to, use Content on the Platform — including Reader profiles, reviews, bios, recordings, transcripts, messages, blog posts, or daily-draw interpretations — to (a) train, fine-tune, or evaluate any artificial-intelligence or machine-learning model, (b) generate synthetic equivalents of any such Content, or (c) build any directory, dataset, or feature based on the Content. This prohibition is independent of and in addition to any restrictions arising under copyright, sui generis database rights, the EU Database Directive, the UK Copyright, Designs and Patents Act 1988, and the Computer Fraud and Abuse Act, 18 U.S.C. § 1030.

13.2 Opt-out under the AI Act

Where we are a "rightsholder" within the meaning of Directive (EU) 2019/790 Article 4, we expressly reserve our text-and-data-mining rights and opt out of any general exception. Our reservation is signalled by the appropriate machine-readable means at the relevant URLs and applies retroactively to any prior crawl that resulted in datasets retained by you.

13.3 Robots and sitemaps

You may crawl the public, non-authenticated parts of the Platform in compliance with the published robots.txt and sitemaps, at a rate that does not impose more than minimal load. You may not crawl authenticated, paid, or personalised areas.

13.4 Reverse-image, reverse-text, and embedding harvesting

You may not harvest images, embeddings, audio fingerprints, or any other derivative representation of Content from the Platform.

14. Your Content and the licence you grant us

14.1 Ownership

You retain all rights you already hold in Content you submit (profile, bios, photos, reviews, messages, etc.). We do not claim ownership of your Content.

14.2 Licence

By submitting Content, you grant BookTarot a worldwide, non-exclusive, royalty-free, transferable, sublicensable licence to host, store, reproduce, adapt, publish, translate, distribute, perform, and display the Content for the purpose of operating, promoting, and developing the Platform and the Services. This licence is granted for the term during which the Content remains on the Platform and survives termination of your Account to the limited extent reasonably required to (a) keep service messages and dispute records, (b) maintain anonymised analytics, (c) comply with legal obligations, and (d) honour the rights of third parties (for example, Reviews you posted about a Reader remain visible after you close your Account, subject to your right to request deletion under applicable data-protection law).

14.3 Sublicence to Users

You agree that, where Content is displayed to other Users (for example, a public review), those Users may quote, share, and discuss the Content in ways consistent with the Platform's features and these Terms.

14.4 Warranties

You warrant that the Content you submit is yours to submit, does not infringe any third party's rights, does not violate any applicable law, and is accurate to the best of your knowledge. You agree to indemnify us against any claim arising from a breach of this warranty (see Section 27).

14.5 Moral rights

To the extent permitted by law, you waive any moral rights in the Content for the limited purpose of the licence above, including the right to be identified as author when context makes that impractical and the right to object to reasonable modifications for technical reasons.

14.6 Feedback

If you send us feedback, suggestions, or ideas about the Platform, we may use them without obligation to you and without compensation.

15. Reviews

15.1 Who can review

Only Clients who have completed a paid Session may leave a review of the Reader who provided that Session.

15.2 Verification

In line with the EU Omnibus Directive (Directive (EU) 2019/2161) and similar laws elsewhere, we display reviews only from Users we have verified as having completed a Booking with the Reader they are reviewing. We do not buy reviews, accept paid reviews, or display reviews from sources we cannot verify.

15.3 Moderation

We may remove reviews that violate the Community Guidelines, are demonstrably false, contain personal data of third parties, are submitted in bad faith, or were created in circumstances that make them unreliable (for example, where there was no actual Session). We do not delete reviews simply because a Reader objects to a low rating.

15.4 Defamation

You are responsible for what you write. Reviews must be your honest opinion, expressed in good faith, and supported by your actual experience.

15.5 Right of reply

Readers may reply once to any review. The reply is moderated to the same standard.

16. Intellectual property

16.1 Our rights

The Platform, including its software, source code, design, layout, text (other than Content), graphics, photographs, illustrations, audio, video, databases, look and feel, and the BookTarot name, logo, and other trademarks, is owned by BookTarot or its licensors and is protected by copyright, trademark, database right, and other intellectual-property law worldwide. You receive no rights in the Platform other than the limited right to use it as expressly permitted by these Terms.

16.2 Trademarks

"BookTarot" and the BookTarot wordmark and logo are trademarks of BookTarot Ltd. You may not use them without our prior written consent except for (a) fair editorial use in news commentary and similar contexts, and (b) referencing the Platform from a Reader's own off-platform website with a non-stylised, plain-text link reading "BookTarot".

16.3 Open-source notices

The Platform incorporates open-source software. Required notices and licences are available on request to legal@booktarot.com.

16.4 Suggestions for IP improvements

See Section 14.6 on feedback.

17. Notice and action; DMCA; EUCD

17.1 Designated agent

If you believe Content on the Platform infringes your rights, please send a notice to copyright@booktarot.com. For US Digital Millennium Copyright Act 17 U.S.C. § 512 notices, our designated agent's details, including the agent's registration with the United States Copyright Office, are published at /legal/dmca.

17.2 What to include

A complete notice includes (a) your physical or electronic signature, (b) identification of the work claimed to be infringed, (c) identification of the allegedly infringing material and information sufficient to allow us to locate it, (d) your contact information, (e) a statement that you have a good-faith belief that the use is not authorised, and (f) a statement under penalty of perjury that the information is accurate and that you are authorised to act on the rightsholder's behalf.

17.3 Counter-notification

If your Content is removed under a DMCA or equivalent notice and you believe the removal was a mistake or misidentification, you may submit a counter-notification with the information listed in 17 U.S.C. § 512(g).

17.4 Repeat-infringer policy

We terminate Accounts of Users who are determined to be repeat infringers.

17.5 EU Digital Services Act

For Users in the European Union, the notice-and-action mechanism above also satisfies Article 16 of Regulation (EU) 2022/2065 ("DSA"). Our internal complaint-handling system, designated single point of contact for authorities, designated single point of contact for recipients of service, and any required transparency reports are described at /legal/dmca and /legal/transparency. Where we appoint trusted flaggers, their notifications are prioritised.

17.6 Out-of-court dispute settlement

EU recipients of service may also escalate decisions about their Content to certified out-of-court dispute-settlement bodies under DSA Article 21. We are not bound to participate in any such procedure beyond what the DSA requires.

18. Third-party services

The Platform integrates services from third parties, including Stripe (payments), Twilio (SMS/voice), Resend (email), Cloudflare (network), Supabase (database hosting), Vercel (application hosting), Mux/LiveKit (video), Google (analytics and search), and others listed at /legal/subprocessors. Those services are governed by their own terms; we are not responsible for them beyond integrating them properly. The Platform contains links to external websites for your convenience; we do not endorse and are not responsible for the content of those websites.

19. Beta features

Some features are made available in beta. Beta features are provided "as is", may be unstable, may change or be removed, and may carry additional terms displayed in-Product. We may collect additional telemetry from beta features to improve them. By using a beta feature you accept these conditions.

20. Mobile applications (Apple App Store and Google Play)

20.1 General

If you access the Platform through a mobile application distributed via the Apple App Store or Google Play, the following additional terms apply.

20.2 Apple App Store

These Terms are between you and BookTarot, not Apple. Apple has no obligation to provide maintenance or support. If the application does not conform to any applicable warranty, you may notify Apple, which will refund the purchase price; to the maximum extent permitted by law, Apple has no other warranty obligation. Claims relating to the application (product liability, statutory claims, intellectual-property infringement) are BookTarot's responsibility, not Apple's. You must comply with the Apple Media Services Terms. Apple is a third-party beneficiary of these Terms with the right to enforce them against you.

20.3 Google Play

These Terms are between you and BookTarot. Google has no responsibility for the application. You must comply with the Google Play Terms of Service.

21. Privacy and data protection

21.1 Privacy Policy

Our processing of personal data is described in the Privacy Policy at /legal/privacy. By using the Platform you confirm you have read and understood that policy.

21.2 Data protection officer; EU and UK representatives

Our Data Protection Officer's contact is published in the Privacy Policy. Our representatives under Article 27 of the GDPR (for the EU) and under Article 3(2) of the UK GDPR (for the United Kingdom) are also listed in the Privacy Policy.

21.3 Lawful bases

We rely on the lawful bases listed in the Privacy Policy, including contract performance for Bookings, legitimate interests for security and analytics, consent for marketing communications, and legal obligation for tax reporting and law-enforcement requests.

21.4 International transfers

Where we transfer personal data outside the European Economic Area, the United Kingdom, or Switzerland, we use the European Commission's Standard Contractual Clauses (Decision 2021/914), the UK International Data Transfer Addendum, or another permitted transfer mechanism, supplemented by the technical and organisational measures described at /legal/subprocessors.

21.5 California, Virginia, and other US state privacy laws

Specific rights for residents of California (under the California Consumer Privacy Act, as amended by the California Privacy Rights Act), Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Iowa, Delaware, New Jersey, Tennessee, and other US states with comprehensive privacy laws are addressed in the Privacy Policy and at /legal/do-not-sell.

21.6 Brazil

For residents of Brazil, the Lei Geral de Proteção de Dados ("LGPD") applies as described in the Privacy Policy. Our Data Protection Officer's local contact is published there.

22. Children

The Platform is not directed to children. We do not knowingly collect personal data from anyone under 18 (or under the higher age set by Section 3.1 in your jurisdiction). If we learn that we have collected personal data from a child, we will delete it without undue delay. Parents and guardians who believe their child has provided personal data may contact privacy@booktarot.com.

23. Sanctions and export controls

You agree to comply with all applicable sanctions and export-control laws of the United States, the United Kingdom, the European Union, the United Nations, and any other relevant authority. You will not use the Platform to provide services to persons or in jurisdictions where doing so is prohibited. We may suspend, terminate, or refuse to process any transaction we reasonably believe would breach this Section 23, and we may report suspected violations to the competent authorities as required by law.

24. Disclaimers

24.1 "AS IS"

EXCEPT AS EXPRESSLY STATED IN THESE TERMS AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM AND THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, AVAILABILITY, OR ARISING FROM A COURSE OF DEALING OR USAGE OF TRADE.

24.2 No outcome warranty

WE DO NOT WARRANT THAT (A) THE PLATFORM WILL MEET YOUR EXPECTATIONS, (B) THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, (C) ANY DEFECT WILL BE CORRECTED, OR (D) ANY READING WILL BE ACCURATE, USEFUL, OR SUITABLE FOR YOUR CIRCUMSTANCES.

24.3 Reader content

WE DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF READER PROFILES, BIOS, OR OTHER READER CONTENT BEYOND OUR VETTING PROCESS, AND WE DO NOT GUARANTEE THE PERFORMANCE OF ANY READER.

24.4 Mandatory consumer law

NOTHING IN THIS SECTION 24 LIMITS YOUR RIGHTS UNDER ANY MANDATORY CONSUMER PROTECTION LAW IN YOUR JURISDICTION, INCLUDING (WITHOUT LIMITATION) THE NON-EXCLUDABLE GUARANTEES UNDER THE AUSTRALIAN CONSUMER LAW, THE NEW ZEALAND CONSUMER GUARANTEES ACT 1993, THE UK CONSUMER RIGHTS ACT 2015, THE CONSUMER PROTECTION ACT (CANADA, BY PROVINCE), THE BRAZILIAN CÓDIGO DE DEFESA DO CONSUMIDOR, AND EU MEMBER-STATE IMPLEMENTATIONS OF THE CONSUMER RIGHTS DIRECTIVE AND THE SALE OF GOODS DIRECTIVE.

25. Limitation of liability

25.1 Excluded categories

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BOOKTAROT, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR (A) INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, (B) LOSS OF PROFITS, REVENUE, GOODWILL, BUSINESS, OR DATA, (C) DAMAGES ARISING FROM A READING (INCLUDING ITS CONTENT, ACCURACY, OR ANY ACTION YOU OR ANY OTHER PERSON TAKES IN RELIANCE ON IT), OR (D) DAMAGES ARISING FROM A SECURITY INCIDENT WHERE WE HAVE COMPLIED WITH OUR SECURITY OBLIGATIONS AND ACTED IN A COMMERCIALLY REASONABLE MANNER.

25.2 Aggregate cap

OUR AGGREGATE LIABILITY FOR ANY AND ALL CLAIMS RELATING TO THESE TERMS, THE PLATFORM, OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO BOOKTAROT IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE FIRST CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).

25.3 Basis of the bargain

YOU AND BOOKTAROT AGREE THAT THE LIMITATIONS IN THIS SECTION 25 ARE A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN US AND THAT THESE TERMS WOULD NOT HAVE BEEN OFFERED WITHOUT THEM.

25.4 What is not excluded

NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY FOR (A) DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, (B) FRAUD OR FRAUDULENT MISREPRESENTATION, (C) GROSS NEGLIGENCE OR WILFUL MISCONDUCT, OR (D) ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER THE LAW OF YOUR JURISDICTION.

26. Indemnification

You agree to defend, indemnify, and hold harmless BookTarot, its affiliates, and their officers, directors, employees, and agents from and against any and all third-party claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with (a) your breach of these Terms or any document incorporated by reference, (b) your violation of any applicable law, (c) your Content, (d) your use of the Platform in any way that is inconsistent with these Terms, (e) any reading you provide as a Reader, or (f) your misrepresentation of fact in registration, identity verification, or tax disclosures.

We will give you prompt notice of any claim that requires indemnification, allow you to control the defence with counsel reasonably acceptable to us, and cooperate with you at your reasonable expense. You may not settle any claim that imposes an obligation or admission on us without our prior written consent.

27. Reporting an issue

To report a security issue, vulnerability, or abuse, contact security@booktarot.com. Bug reports made in good faith are welcome; we will not pursue researchers who follow our published responsible-disclosure policy.

28. Dispute resolution (United States consumers only) — binding individual arbitration; class-action waiver; 30-day opt-out

IMPORTANT — READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHT TO BRING OR JOIN CLASS ACTIONS AND TO HAVE DISPUTES RESOLVED BY A JURY OR IN COURT. YOU MAY OPT OUT OF THIS SECTION ON THE TERMS BELOW.

This Section 28 applies to consumers resident in the United States. For consumers outside the United States, see Section 30 for the dispute-resolution provisions that apply to you.

28.1 Scope

Except as set out in Section 28.6, you and BookTarot agree to resolve any past, present, or future dispute, claim, or controversy arising out of or relating to (a) these Terms, (b) the Platform, (c) the Services, (d) any reading, or (e) your relationship with BookTarot — including questions of arbitrability and the validity, enforceability, or scope of this Section 28 — by binding individual arbitration.

28.2 Informal dispute resolution (mandatory pre-arbitration)

Before initiating arbitration, you agree to send a written notice of dispute to legal@booktarot.com describing (i) your name and registered email, (ii) the nature and basis of the dispute, and (iii) the relief sought. We agree to do the same if we have a claim against you. The parties will use good-faith efforts to resolve the dispute informally for sixty (60) days following receipt of the notice. Compliance with this Section 28.2 is a condition precedent to arbitration; any statute of limitations or filing-fee deadline is tolled while the parties engage in good-faith negotiations.

28.3 Arbitration rules and forum

If informal resolution fails, the dispute will be resolved by binding individual arbitration administered by JAMS in accordance with its Streamlined Arbitration Rules and Procedures for claims of US $250,000 or less, and its Comprehensive Arbitration Rules and Procedures for larger claims, as in effect at the time the arbitration is initiated, with the modifications below. Information about JAMS is at https://www.jamsadr.com. Where JAMS declines to administer the arbitration, the parties will jointly choose an alternative administrator with comparable rules.

28.4 Seat, language, and law

The seat of arbitration is San Francisco, California, but in-person hearings will take place at the consumer-friendly location nearest to your residence as required by JAMS Consumer Minimum Standards. Hearings will, at your request, be conducted by telephone or video. The arbitration will be in English. The Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) governs the interpretation and enforcement of this Section 28; the substantive law of Delaware (excluding conflict-of-laws rules) governs the dispute.

28.5 Class and representative waiver

YOU AND BOOKTAROT AGREE THAT DISPUTES MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING, AND NOT AS A PRIVATE-ATTORNEY-GENERAL ACTION. The arbitrator may award relief only to the individual claimant. Where this waiver is held unenforceable as to a particular claim or remedy, that claim or remedy is severed and must proceed in a court of competent jurisdiction, but the remainder of Section 28 stays in force.

28.6 Carve-outs

The following are excluded from arbitration: (a) claims that qualify for small-claims court in the United States, provided they remain in that court and on an individual basis; (b) actions to enforce, protect, or determine the validity or ownership of intellectual-property rights of either party; (c) injunctive relief sought by either party for actual or threatened breach of Sections 12, 13, or 16; (d) any other claim that applicable law prohibits from being arbitrated.

28.7 Mass-arbitration protocol

If 25 or more substantially similar arbitration demands are filed against BookTarot within a 60-day window and the demands are coordinated or filed by the same or related law firms ("Mass Arbitration"), the following bellwether procedure applies. Counsel will jointly select 10 demands (5 by each side) as bellwether cases, which JAMS will administer to award or settlement. The remaining demands are tolled. If the bellwether cases do not resolve the underlying issues to a level that allows the remaining demands to settle on the same terms, the parties will engage in non-binding mediation administered by JAMS before any further arbitration is filed. Filing fees on the remaining demands are not payable until they leave tolling. This protocol does not waive any party's substantive rights.

28.8 Filing fees and costs

For claims under US $10,000 by consumers, BookTarot will pay all JAMS filing and administrative fees on receipt of a written request from you, unless the arbitrator finds that the claim was frivolous within the meaning of Federal Rule of Civil Procedure 11. Each party otherwise bears its own attorneys' fees except to the extent that a fee-shifting statute applies.

28.9 Right to opt out — 30 days

You may opt out of this Section 28 by sending a notice to legal@booktarot.com from the email registered to your Account within thirty (30) days of first accepting these Terms (or of the effective date of a material change to this Section 28). The notice must state your name, registered email, and your intent to opt out of arbitration. Opting out does not affect any other provision of these Terms. If you opt out, disputes are subject to Section 29 (Governing law and venue).

28.10 Confidentiality

The arbitration is confidential, except as required to enforce an award or as required by law.

28.11 Severability

If any part of this Section 28 is found to be unenforceable, the unenforceable part is severed and the remainder remains in effect, except that if Section 28.5 (Class and representative waiver) is found unenforceable in its entirety, the entirety of Section 28 is null and Section 29 controls.

28.12 No retaliation

We will not retaliate against you for exercising your rights under this Section 28.

29. Governing law and venue (claims outside arbitration)

29.1 US claims outside arbitration

Where Section 28 does not apply or you have opted out, US claims are governed by the law of the State of Delaware without regard to conflict-of-laws rules, and exclusive jurisdiction lies in the state and federal courts located in New Castle County, Delaware. You consent to personal jurisdiction in those courts. You and BookTarot waive any right to a jury trial.

29.2 Outside the United States

For claims by consumers outside the United States, Section 30 controls, supplemented by the law of England and Wales for residual matters and the courts of London, England as the default forum, subject to any mandatory consumer-protection law that gives you the right to bring proceedings in your country of residence.

30. Jurisdictional riders

The following region-specific provisions apply in addition to the rest of these Terms. In any conflict, the rider controls within the territory it covers.

30.1 European Union and European Economic Area

For consumers resident in the EU/EEA:

  • You have the right to a fourteen-day cooling-off period for distance contracts under Directive 2011/83/EU as implemented in your member state. Because Sessions are digital services with immediate performance, you expressly waive that right at checkout when you confirm a Booking; the waiver is required to schedule the Session.
  • The mandatory consumer-protection law of your member state of residence applies notwithstanding the governing-law clause.
  • You may bring claims in the courts of your member state of residence.
  • The European Commission's Online Dispute Resolution platform is available at https://ec.europa.eu/consumers/odr. You may also escalate to your national consumer-protection authority.
  • We comply with the Digital Services Act (Regulation (EU) 2022/2065) including its notice-and-action obligations, internal complaint-handling system, transparency reporting, and trusted-flagger procedures.
  • We comply with the Platform-to-Business Regulation (Regulation (EU) 2019/1150) in our dealings with Readers, including the right to internal complaint-handling and external mediation.
  • Our representative under Article 27 GDPR for processing of EU personal data is published in the Privacy Policy.

30.2 United Kingdom

For consumers resident in the United Kingdom:

  • The Consumer Rights Act 2015 applies. Statutory rights are not affected by these Terms.
  • The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 provide a fourteen-day cancellation right which you expressly waive at checkout for digital services with immediate performance.
  • Our representative under Article 27 UK GDPR is published in the Privacy Policy.
  • The courts of England and Wales have non-exclusive jurisdiction; you may also bring proceedings in the courts of the part of the United Kingdom in which you are resident.

30.3 United States — state-specific

In addition to Sections 28 and 29:

  • California. You waive California Civil Code § 1542 with respect to released claims, which provides "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party." Complaints about consumer affairs may be sent to the California Department of Consumer Affairs, Consumer Information Division, 1625 N. Market Blvd., Suite N 112, Sacramento, CA 95834. Readers in California acknowledge classification under California's ABC test as discussed in the Reader Agreement.
  • New York. The "no class action" provisions of Section 28 are subject to General Business Law as it applies; nothing in Section 28 limits any non-waivable right under New York law.
  • Florida. Where Florida law applies, consumers may file complaints with the Florida Department of Agriculture and Consumer Services.
  • Illinois. Recording and biometric considerations (Section 10) reflect Illinois law including the Eavesdropping Statute (720 ILCS 5/14) and the Biometric Information Privacy Act (740 ILCS 14/). You consent as described to the extent the law requires.
  • Pennsylvania. Consistent with 18 Pa. C.S. § 7104, readings are provided "for entertainment purposes only".
  • Louisiana. Consistent with R.S. 14:269, readings are provided "for entertainment purposes only".
  • Maryland. Consistent with Criminal Law § 3-905, readings are provided "for entertainment purposes only".
  • Nebraska. Consistent with the Nebraska Revised Statutes, readings are provided "for entertainment purposes only".
  • New Jersey. Nothing in these Terms limits your rights under the New Jersey Consumer Fraud Act or the Truth-in-Consumer Contract, Warranty and Notice Act.

30.4 Canada

For consumers resident in Canada:

  • The law of the province of Ontario governs, except that the mandatory consumer-protection law of the province where you reside applies notwithstanding the foregoing.
  • Residents of Quebec have the benefit of the Consumer Protection Act and the Charter of the French Language; we provide core consumer-facing pages in French where serving Quebec.
  • Class-action waivers are not enforced where prohibited by provincial law; in those provinces, Section 28 is read accordingly.

30.5 Australia

For consumers resident in Australia, the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) applies and overrides any inconsistent term. Our liability for breach of a non-excludable guarantee is limited, where the law permits, to (i) re-supplying the service or (ii) refunding the price.

30.6 New Zealand

For consumers resident in New Zealand, the Consumer Guarantees Act 1993 and the Fair Trading Act 1986 apply. Where you use the Platform for business purposes and the parties' agreement that the CGA does not apply is fair and reasonable, the CGA does not apply.

30.7 Brazil

For consumers resident in Brazil, the Código de Defesa do Consumidor applies. The seven-day reflection period under Article 49 CDC for contracts concluded outside business premises or by distance is waived at checkout for digital services with immediate performance. Disputes may be addressed to the local PROCON or, for online disputes, to consumidor.gov.br.

30.8 Japan

For consumers resident in Japan, the Specified Commercial Transactions Act and the Act on Specified Commercial Transactions disclosures are provided on the checkout page and at /legal/imprint. The Civil Code's good-faith principle applies to the interpretation of these Terms.

30.9 Singapore, Hong Kong, India, and other Asia-Pacific

For consumers in Singapore, the Consumer Protection (Fair Trading) Act applies. For consumers in Hong Kong, the Sale of Goods Ordinance and Supply of Services (Implied Terms) Ordinance apply. For consumers in India, the Consumer Protection Act 2019 applies; disputes may be referred to the National Consumer Disputes Redressal Commission to the extent the law requires. For consumers in the United Arab Emirates and other Gulf states, the minimum-age threshold in Section 3.1 applies and local consumer-protection law overrides any inconsistent term.

30.10 Rest of world

For all other consumers, the law of England and Wales governs and the courts of London have non-exclusive jurisdiction, subject to mandatory consumer protections in your country.

31. Force majeure

Neither party is liable for delay or failure to perform any obligation under these Terms (other than the obligation to pay amounts owed) to the extent the delay or failure is caused by a Force Majeure Event. A "Force Majeure Event" means an event beyond the party's reasonable control, including acts of God, fire, flood, earthquake, severe weather, pandemic or epidemic, war, civil unrest, terrorism, cyber-attack, sanctions, embargo, government action or order, internet or telecommunications outage, power failure, or failure of a third-party service on which we materially depend. The affected party will give prompt notice, mitigate the impact, and resume performance as soon as reasonably practicable.

32. Termination and suspension

32.1 By you

You may close your Account at any time through the account settings or by contacting support@booktarot.com. Closure does not entitle you to a refund of completed Sessions; pending Bookings will be cancelled subject to the refund matrix in Section 8.

32.2 By us

We may, on reasonable notice where practicable, suspend or terminate your access (in whole or in part) for breach of these Terms or any document incorporated by reference, where required by law, for risk-management or fraud-prevention reasons, or where we decide to discontinue the Platform. For serious or repeated breaches, suspension may be without prior notice.

32.3 Effect of termination

On termination, your right to access the Platform ends. We may delete or anonymise your Account and Content subject to (a) our retention obligations under tax, accounting, and other law, (b) ongoing dispute resolution, and (c) public-record items such as published Reviews that we may retain in aggregate or with redactions of personal data.

32.4 Survival

Sections that by their nature should survive termination — including Sections 1 (Definitions), 5 (Nature of the Services), 14 (Content licence to the extent applicable to surviving Content), 16 (Intellectual property), 17 (Notice and action), 21 (Privacy), 23 (Sanctions), 24 (Disclaimers), 25 (Limitation of liability), 26 (Indemnification), 27 (Reporting), 28 (Dispute resolution), 29 (Governing law), 30 (Jurisdictional riders), 31 (Force majeure), 32 (Termination and survival), 33 (Notices), 34 (Assignment), 35 (Electronic acceptance), 36 (Translations), 37 (Miscellaneous), and 39 (Contact) — survive.

33. Notices

33.1 To us

Legal notices must be sent in writing in English to legal@booktarot.com and, where stated to require service on a corporate address, to the registered office published at /legal/imprint. Notices are deemed received on the second business day after they are sent.

33.2 To you

We may send notices to you by email at the address you have registered with us, by in-Product notification, or by posting them on a relevant policy page. Notices are deemed received on the day sent.

33.3 Change of contact details

You are responsible for keeping your contact details accurate.

34. Assignment

You may not assign, transfer, or delegate these Terms or any rights or obligations under them without our prior written consent. We may assign these Terms in whole or in part to an affiliate, in connection with a merger, acquisition, financing, or sale of all or substantially all of our assets, or by operation of law, in each case on notice to you. Subject to that, these Terms bind and benefit the parties and their respective successors and permitted assigns.

35. Electronic acceptance and signatures

You agree that your electronic acceptance of these Terms (by clicking "I agree", creating an Account, or otherwise indicating assent through the Platform) is a valid and enforceable signature under the United States Electronic Signatures in Global and National Commerce Act (15 U.S.C. §§ 7001 et seq.), the Uniform Electronic Transactions Act, Regulation (EU) No 910/2014 ("eIDAS"), the UK Electronic Communications Act 2000, and similar laws elsewhere. You agree to receive these Terms and any updates electronically. To request a paper copy, email legal@booktarot.com; we may charge a reasonable fee for paper delivery.

36. Translations and language

The English-language version of these Terms is the controlling version. Translations are provided for convenience only; in any conflict, the English version prevails, except where mandatory law (for example, the Charter of the French Language in Quebec or specific consumer-protection law in your jurisdiction) requires a local-language version to control.

37. Miscellaneous

37.1 Entire agreement

These Terms, together with the documents incorporated by reference in Section 2.5, constitute the entire agreement between you and BookTarot concerning the Platform and the Services and supersede all prior or contemporaneous agreements, communications, and proposals on the subject.

37.2 Severability

If any provision of these Terms is held unenforceable, that provision will be enforced to the maximum extent permitted by law and the remaining provisions will continue in full force and effect.

37.3 No waiver

Our failure to enforce any provision of these Terms is not a waiver of that provision or any other provision. A waiver must be in writing and signed by an authorised representative of BookTarot to be effective.

37.4 No third-party beneficiaries

Except where these Terms expressly state otherwise (for example, Apple's third-party-beneficiary right in Section 20.2), there are no third-party beneficiaries to these Terms.

37.5 Headings; interpretation

Headings are for convenience only. The Contracts (Rights of Third Parties) Act 1999 is excluded except where stated.

37.6 Independent contractors

The parties are independent contractors. Nothing in these Terms creates an employment, agency, partnership, or joint venture between you and BookTarot, or between BookTarot and any Reader.

37.7 Cumulative remedies

Except as expressly stated, all remedies under these Terms are cumulative.

37.8 Counterparts

These Terms may be accepted electronically and in any number of counterparts, each of which is an original and which together are one agreement.

38. Changes to these Terms

We may update these Terms from time to time. We will notify you of material changes by email and by an in-Product banner at least thirty (30) days before they take effect, except where the change is required by law to take effect sooner. Material changes to the dispute-resolution section (Section 28) trigger a fresh 30-day opt-out window measured from the effective date of the change. Your continued use of the Platform after the effective date constitutes your acceptance of the updated Terms. Non-material changes (such as clarifications or fixes to broken links) take effect when posted. The "Version" and "Effective" markers at the top of this page record successive versions.

39. Contact

Registered office and corporate identifiers are published at /legal/imprint. Our EU and UK Article 27 representatives are listed in the Privacy Policy.

Acceptance. By clicking "I agree", creating an Account, booking a Session, or otherwise using the Platform after the effective date above, you confirm that you have read these Terms, understand them, and agree to be bound by them.