Terms of Service

Updated 07/11/2013

FOR ENTERTAINMENT USE ONLY

THIS SERVICE IS PROVIDED BY NEW PEAK MEDIA, INC. FOR ENTERTAINMENT PURPOSES ONLY. YOU MUST BE EIGHTEEN YEARS OF AGE OR OLDER TO USE THE PREMIUM AREAS OF THIS SERVICE. ALL CREDIT CARD PURCHASES MUST BE MADE BY THE CARD HOLDER. AT WWW.ASTROLOGYANSWERS.COM WE WANT YOU TO ENJOY AND BENEFIT FROM YOUR READING. OUR EXPERT SPIRITUAL ADVISORS MAKE EVERY EFFORT TO PROVIDE YOU WITH HELPFUL ADVICE. HOWEVER, THIS INFORMATION SHOULD NOT BE USED IN PLACE OF ANY RECOMMENDATIONS BY MEDICAL, LEGAL, OR FINANCIAL PROFESSIONALS OR OTHER PROFESSIONAL COUNSELORS. IT IS YOUR RESPONSIBILITY TO EVALUATE ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH WWW.ASTROLOGYANSWERS.COM

The use of the www.AstrologyAnswers.com website and services is governed by these Terms of Use. By using www.AstrologyAnswers.com, you acknowledge that you have read the Terms of Use and the disclaimers contained therein and that you accept and agree to be bound by the terms thereof. IF YOU DO NOT UNDERSTAND THIS AGREEMENT, OR DO NOT AGREE TO BE BOUND BY IT OR THE PRIVACY POLICY, YOU MUST IMMEDIATELY LEAVE THE SITE AND CEASE USING THE SITE MATERIALS.

ACCEPTANCE PROCEDURE

By accessing materials on the www.AstrologyAnswers.com Web Site (the "Web Site") you agree with these Terms of Use. The Web Site includes, without limitation, all content, information, text, questions, comments, ideas, graphics, images, tools, and software programs contained in the web site and related materials. www.AstrologyAnswers.com reserves the right, at its sole discretion, to change these Terms of Use from time to time, and your access to the Web Site will be deemed to be your acceptance of, and agreement, to any such changed terms and conditions.

PRIVACY POLICY

www.AstrologyAnswers.com knows that the privacy of your personal information is important to you. Therefore, we have established a Privacy Policy which is part of this Agreement.

OUR SERVICES

The Web Site provides astrological content, reports, information, and access to e-mail consultations ("Content"). Although the Content may be viewed via a standard Internet connection and the Web Site and certain e-mail/offerings are free and open to the public, certain premium services may require registration and/or payment (the "Services"). Premium Services are available to individuals over the age of 18. In addition, www.AstrologyAnswers.com does not permit use of the Services by residents of any jurisdiction that may prohibit our Services. You certify that the information given to www.AstrologyAnswers.com on registration is true and complete. www.AstrologyAnswers.com will not be responsible for any false statements made in registration.

RULES OF SERVICE

Note that accounts only remain active and valid for a period of two years from the date of the last purchase transaction or expert spiritual advice. We reserve the right to refuse service to any person for any reason. We also reserve the right to pursue legal action against any person who commits fraud, or otherwise violates applicable laws, on our Web Site or using our Services. Furthermore, an expert spiritual advisor has the right to terminate communication at anytime if a customer’s comments and/or behavior is deemed by the expert spiritual advisor to be inappropriate, abusive, or threatening. The expert spiritual advisor will report the termination to Customer Service and such a customer may be denied future access. Any such report made by an expert spiritual advisor to us shall not be deemed a violation of our Privacy Policy.

Our Satisfaction Guarantee

We don't guarantee that our expert spiritual advisor feedback will come true, but we do our best to ensure that you enjoy the reading. To ensure your satisfaction with your reading experience, we offer a guarantee on your most recent paid reading. Discounts

Unless otherwise noted, all coupons, discounts and special offers are valid for a limited period of time, can be used only once and may not be combined. We reserve the right to change these Rules of Service, discounts on other bonus point promotions at anytime without notice.

LIMITATION OF LIABILITY

YOU EXPRESSLY UNDERSTAND AND AGREE THAT NEITHER WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., NOR ANY OF ITS OR THEIR AFFILIATES (INCLUDING PARENT OR SUBSIDIARY COMPANIES), WILL BE LIABLE TO YOU FOR ANY LOSS OR DAMAGES, EITHER ACTUAL OR CONSEQUENTIAL, ARISING OUT OF OR RELATING TO THESE TERMS, OR TO YOUR (OR ANY THIRD PARTY'S) USE OR INABILITY TO USE THIS SITE, OR TO YOUR RELIANCE UPON ANY INFORMATION. IN PARTICULAR, WWW.ASTROLOGYANSWERS.COM AND ITS AFFILIATED ENTITIES WILL HAVE NO LIABILITY FOR ANY CONSEQUENTIAL, INDIRECT, PUNITIVE, SPECIAL OR INCIDENTAL DAMAGES, WHETHER FORESEEABLE OR UNFORESEEABLE, (INCLUDING, BUT NOT LIMITED TO, CLAIMS FOR DEFAMATION, ERRORS, LOSS OF DATA, OR INTERRUPTION IN AVAILABILITY OF DATA), ARISING OUT OF OR RELATING TO THESE TERMS, YOUR USE OR INABILITY TO USE THIS SITE, OR TO YOUR RELIANCE UPON ANY INFORMATION, WHETHER BASED IN VERBAL AGREEMENT, CONTRACT, TORT, STATUTORY OR OTHER LAW, EXCEPT ONLY IN THE CASE OF DEATH OR PERSONAL INJURY WHERE, AND ONLY TO THE EXTENT, THAT APPLICABLE LAW REQUIRES SUCH LIABILITY. THE REMEDIES PROVIDED FOR UNDER THESE TERMS ARE EXCLUSIVE AND ARE LIMITED TO THOSE EXPRESSLY PROVIDED FOR IN THESE TERMS.

DISCLAIMER - NO PROFESSIONAL ADVICE - NO RELIENCE ON THE TERM "EXPERT"

INFORMATION PROVIDED THROUGH OUR SERVICES, ON THE WEB SITE AND IN WWW.ASTROLOGYANSWERS.COM MATERIALS, INCLUDING BUT NOT LIMITED TO THE INFORMATION PROVIDED IN HOROSCOPES, TELEPHONE AND E-MAIL CONSULTATIONS, AS WELL AS THE TEXT, GRAPHICS, IMAGES, AND TOOLS POSTED ON VARIOUS PAGES, IS FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY. THE NAMES AND FACES OF OUR EXPERTS AND KATHERINE HAVE BEEN ALTERED IN ORDER TO PROTECT THE PERSONAL IDENTITTY OF OUR ASTROLOGERS FROM POTENTIAL AND UNWANTED ATTENTION NOT LIMITING STALKING AND HARRASMENT. INFORMATION FROM WWW.ASTROLOGYANSWERS.COM IS NOT INTENDED TO BE A SUBSTITUTE FOR ANY PROFESSIONAL ADVICE, INCLUDING BUT NOT LIMITED TO (A) PROFESSIONAL MEDICAL ADVICE, DIAGNOSIS, OR TREATMENT OR (B) PROFESSIONAL FINANCIAL OR INVESTMENT ADVICE OR GUIDANCE, OR (C) PROFESSIONAL LEGAL ADVICE. NEVER DISREGARD OR DELAY SEEKING PROFESSIONAL MEDICAL ADVICE OR OTHER PROFESSIONAL ADVICE BECAUSE OF SOMETHING YOU HAVE READ ON THE WEB SITE OR INFORMATION RECEIVED THROUGH OUR SERVICES. WWW.ASTROLOGYANSWERS.COM IS NOT ENGAGED IN THE PRACTICE OF MEDICINE OR LAW AND DOES NOT RECOMMEND OR ENDORSE ANY SPECIFIC PRODUCTS, PROCEDURES, TREATMENTS, MEDICATIONS, OPINIONS, OR OTHER INFORMATION THAT MAY BE MENTIONED, DISCUSSED, OR DESCRIBED ON THE WWW.ASTROLOGYANSWERS.COM WEB SITE OR IN WWW.ASTROLOGYANSWERS.COM MATERIALS OR THROUGH OUR SERVICES. WWW.ASTROLOGYANSWERS.COM IS NOT ENGAGED IN THE BUSINESS OF PROVIDING FINANCIAL OR INVESTMENT ADVICE AND ITS EMPLOYEES OR CONTRACTORS ARE NOT REGISTERED ADVISORS. YOUR RELIANCE ON THE INFORMATION PROVIDED BY WWW.ASTROLOGYANSWERS.COM, BY A WWW.ASTROLOGYANSWERS.COM EMPLOYEE OR CONTRACTOR, BY A THIRD PARTY MODERATOR, BY WWW.ASTROLOGYANSWERS.COM SPONSORS OR BY OTHER USERS OF THE WWW.ASTROLOGYANSWERS.COM WEB SITE OR SERVICES IS SOLELY AT YOUR OWN ELECTION OR CHOICE. ANY AND ALL DECISIONS THAT YOU MAKE THAT ARE BASED IN WHOLE OR IN PART UPON INFORMATION PROVIDED BY WWW.ASTROLOGYANSWERS.COM OR ITS SPONSORS OR OTHERWISE ON THE WEB SITE WILL BE YOUR SOLE AND EXCLUSIVE RESPONSIBILITY.

GENERAL DISCLAIMER

THE INFORMATION PROVIDED ON, FROM OR THROUGH WWW.ASTROLOGYANSWERS.COM, ITS SERVICES AND THE WEB SITE IS PROVIDED "AS-IS" AND "AS AVAILABLE," AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT). THE WEB SITE AND RELATED INFORMATION AND SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. WWW.ASTROLOGYANSWERS.COM AND OUR AFFILIATED PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF THE WEB SITE AND SERVICES AND ANY SUCH INFORMATION OR SERVICE. IN PARTICULAR, AND WITHOUT LIMITATION, WWW.ASTROLOGYANSWERS.COM AND OUR AFFILIATED PARTIES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE DISCLAIMER OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN WWW.ASTROLOGYANSWERS.COM AND YOU. THE WEB SITE AND THE INFORMATION AND SERVICES PROVIDED THEREIN WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM WWW.ASTROLOGYANSWERS.COM THROUGH THE WEB SITE OR SERVICES SHALL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPRESSLY STATED IN THESE TERMS OF USE. WWW.ASTROLOGYANSWERS.COM MAKES NO WARRANTY OR REPRESENTATION THAT AVAILABILITY OR USE OF THE WEB SITE OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. NEITHER NEW PEAK MEDIA, INC., NOR ANY OF ITS AFFILIATES HAS ANY RESPONSIBILITY OR OBLIGATION TO NOTIFY YOU OF YOUR ACCUMULATED CHARGES OR OTHER EXPENSES WITH US. THE AMOUNT OF QUESTIONS YOU SEND THE EXPERT SPIRITUAL ADVISORS WILL BE REFLECTED IN YOUR CHARGES AND IS SOLELY AT YOUR OWN ELECTION OR CHOICE. NEW PEAK MEDIA, INC, DOES NOT MONITOR USAGE PATTERNS AND IS UNDER NO OBLIGATION TO ANY CUSTOMER TO TAKE ANY ACTION OR TO REFRAIN FROM TAKING ANY ACTION WITH RESPECT TO USAGE OF THE WEB SITE OR SERVICES.

THIRD-PARTY INFORMATION

Any articles, press clippings or other third-party publications (collectively, "Publications") made available through the Web Site are furnished by www.AstrologyAnswers.com for your convenience and entertainment. www.AstrologyAnswers.com is a distributor (and not a publisher) of content supplied by third parties (including users). Any opinions, advice, statements, services, offers or other information made available by third parties, including psychics, information providers or any user of the Web Site, are those of the respective author(s) or publisher(s) and not of www.AstrologyAnswers.com or its affiliates. WWW.ASTROLOGYANSWERS.COM DISCLAIMS ANY REPRESENTATION, EITHER EXPRESS OR IMPLIED, THAT THE INFORMATION IN SUCH PUBLICATIONS IS ACCURATE OR COMPLETE.

RESTRICTIONS; COMPLIANCE WITH LAWS

Your right to use the Web Site and the Services is personal to you. You are solely responsible for the contents of your transmissions through the Web Site and your use of the Services is subject to all applicable local, state, provincial, national and international laws and regulations. By using the Web Site or the Services, you agree:

  • not to use the Web Site or the Services for illegal purposes;
  • not to interfere with or disrupt networks connected to the Web Site;
  • to comply with all applicable regulations, laws, statutes, etc., regarding your use of the Services, including, but not limited to, laws and regulations relating to the use of the Web Site or the Services to send electronic mail;
  • not to use the Web Site or the Services to send chain mail, junk mail, spamming or any use of distribution lists to any person who has not given specific permission for such use;
  • not to use the Web Site or the Services for the transmission of any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, or obscene material or communication of any kind or any nature;
  • not to interfere with any other user’s access to or use of the Web Site or the Services.
  • not to record or use any audio recording or retention devices/technology without the express written consent of New Peak Media, Inc.
  • not to speak or act in a manner that is deemed by an Expert Spiritual Advisor(s) to be inappropriate, abusive, or threatening.

www.AstrologyAnswers.com reserves the right, in its sole discretion, to immediately terminate your access to and use of the Web Site or the Services without right to refund, for any violation of these Terms of Use.

Important Note: It is a violation of our Terms of Use for you to be in direct contact with any of our expert spiritual advisors outside the online service or to ask any of our expert spiritual advisors for their direct contact information - if you do so in violation of these terms, New Peak Media, Inc. bears no liability for any resulting actions, and your ability to use our services may be revoked. Any such activities in violation of our Terms of Use, may be reported to New Peak Media, Inc. by our expert spiritual advisors and any such reports shall not be deemed a violation of our Privacy Policy.

LINKS TO SPONSORS AND OTHER THIRD PARTY SITES

Certain links on the Web Site will let you leave the Web Site. These linked sites, for example those of our sponsors, are not under the control of www.AstrologyAnswers.com, and www.AstrologyAnswers.com is not responsible for the contents of any linked site or any link contained in a linked site. These links are provided for your convenience, and the inclusion of any link does not imply a recommendation or endorsement by www.AstrologyAnswers.com of any such linked site or the products therein.

INTELLECTUAL PROPERTY RIGHTS; INAPPROPRIATE USE OF WEB SITE

The contents of the Web Site, including, without limitation, all designs, text, graphics, other files, and the selection and arrangement thereof, are copyrighted and proprietary property. www.AstrologyAnswers.com hereby authorizes you to copy (electronically or in hard copy) materials published on the Web Site or in print for non-commercial personal use only, provided that any copy of these documents which you make shall retain all copyright and other proprietary notices and any disclaimer contained on the documents. Except as expressly provided above, you may not otherwise copy, display, download, distribute, modify, reproduce, republish or retransmit any information, text or documents contained in the Web Site or any portion thereof in any electronic medium or in hard copy, or create any derivative work based on such images, text or documents, without the express written consent of www.AstrologyAnswers.com. No information or statement contained in these Terms of Use or the Web Site shall be construed as conferring, directly or by implication, estoppel, or otherwise, any license or right under any patent, copyright, trademark or other intellectual property right of www.AstrologyAnswers.com, its affiliates, or any third party. www.AstrologyAnswers.com may, at our discretion, limit or restrict the access and use of the Web Site of any users who infringe the intellectual property rights in the manner described above.

CONSENT TO RECEIVE EMAIL SUBMISSIONS

By submitting Your email address on the Site, You consent to receive periodic email communications from the Site concerning its products and services. You may opt-out of receiving email communications at any time by following the unsubscribe instructions contained in each email

MATERIAL YOU SUBMIT (INCLUDING BLOG SUBMISSIONS)

You acknowledge that you are responsible for any submission you make ("Submissions"), including the legality, reliability, appropriateness, originality and copyright of any such material. You may not upload to, distribute, or otherwise publish through the Web Site any content which is libelous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable, or which may constitute or encourage a criminal offense, violate the rights of any party or otherwise give rise to liability or violate any law. Submissions shall be deemed to be non-confidential and non-proprietary. www.AstrologyAnswers.com shall have no obligation of any kind with respect to such Submissions and shall be free to reproduce, use, disclose, modify, display and distribute the Submissions to others without limitation. By transmitting such Submissions to www.AstrologyAnswers.com and the Web Site, you automatically grant to New Peak Media, Inc. a perpetual, worldwide, royalty-free, irrevocable, non-exclusive right and license (with rights to sublicense) to use, reproduce, modify, adapt, publish, translate, edit and distribute such Submissions (in whole or in part) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in such Submissions. You also permit any other user of www.AstrologyAnswers.com to access, view, store or reproduce the Submissions for that user’s personal use. Without limiting the generality of the foregoing license, if you send Submissions consisting of "testimonial" e-mails, you acknowledge that you grant New Peak Media, Inc. the right to publicly display all or a part of such Submission on the Web Site or in any other format or media at any time.

Please note that www.AstrologyAnswers.com does not want to receive Submissions containing confidential information from you and any Submissions received will be deemed NOT to be confidential. For purposes of this paragraph, "Submissions" shall not include personally identifiable information, which shall be treated by www.AstrologyAnswers.com in accordance with our Privacy Statement.

This Web Site (including, without limitation, text, photographs, graphics, video and audio content) is protected by copyright as a collective work or compilation under the copyright laws of the United States and other countries, and New Peak Media, Inc., its subsidiaries and affiliates (subject to the rights of its licensors and licensees under applicable agreements, understandings and arrangements) have rights therein. All individual articles, videos, content and other elements comprising this Web Site are also copyrighted works, and New Peak Media, Inc., its subsidiaries and affiliates (subject to the rights of its licensors and licensees under applicable agreements, understandings and arrangements) have rights therein. You must abide by all additional copyright notices or restrictions contained in this Web Site. By posting or submitting content on or to the Web Site (including the Blog, and regardless of the form or medium with respect to such content, whether text, videos, photographs, audio or otherwise), you are giving New Peak Media, Inc, and its affiliates, agents and third party contractors the right to display or publish such content on the Web Site and its affiliated publications (either in the form submitted or in the form of a derivative or adapted work, in our sole discretion), to store such content, and to distribute such content and use such content for promotional and marketing purposes. Without limiting the generality of the foregoing, with respect to any video submissions to the Web Site made by you from time to time, you understand and agree that (unless you and we agree otherwise) we may, or may permit users to, based solely on functionality provided and enabled by the Web Site, compile, re-edit, adapt or modify your Submission, or create derivative works therefrom, either on a stand-alone basis or in combination with other Submissions, and (unless you and we agree otherwise) you shall have no rights with respect thereto and New Peak Media, Inc., its affiliates or its licensees shall be free to display and publish the same (as so compiled, re-edited, adapted, modified or derived) for any period.

You shall be solely responsible for your own Submissions and the consequences of posting or publishing them. In connection with each of your Submissions, you affirm, represent, and/or warrant that: (i) you own or have the necessary licenses, rights, consents, and permissions to use and authorize New Peak Media, Inc., its affiliates and subsidiaries to use all patent, trademark, trade secret, copyright or other proprietary rights in and to any and all such Submissions to enable inclusion and use of such Submissions in the manner contemplated by us and these Terms and Conditions; and (ii) you have the written consent, release, and/or permission of each and every identifiable individual person in such Submissions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of such Submissions in the manner contemplated by New Peak Media, Inc. and these Terms and Conditions. In furtherance of the foregoing, you agree that you will not: (i) submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant New Peak Media, Inc. all of the rights granted herein; (ii) publish falsehoods or misrepresentations that could damage New Peak Media, Inc., this Web Site or any third party; (iii) submit material that is unlawful, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate; or (iv) post advertisements or solicitations of business.

We reserve the right to edit, remove or not publish Submissions without prior notice.

DMCA POLICY

If you are a copyright owner or agent thereof and believe that any Submission infringes upon your copyright, please submit notice, pursuant to the Digital Millennium Copyright Act (17 U.S.C. § 512(c)) to our Copyright Agent with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright; (ii) a description of the copyrighted work that you claim has been infringed; (iii) the URL of the location containing the material that you claim is infringing; (iv) your address, telephone number, and email address; (v) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; (vi) a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Our Copyright Agent, email at: support@astrologyanswers.com; or mail, postage prepaid, to 10040 West Cheyenne Ave 170-129 Las Vegas, NV 89129.

PREMIUM CONTENT REFUND POLICY

www.AstrologyAnswers.com has several products better referred to as "Premium Content". ANY PRODUCT purchased at www.AstrologyAnswers.com falls under the name "Premium Content". If you are unsatisfied with any Premium Content purchase, you may apply for a refund within six (6) months of your purchase by emailing support@astrologyanswers.com. All sales are final after six (6) months from the delivery of the Premium Content to You, at which point no refund will be issued.

EXPERTS QUESTION SERVICE

As an added service, some users will be given the option to purchase one of our unique Experts packages. Our Experts service is fully backed by a complete 6-month refund policy. We reserve the right to reject refund requests for services previously given.

We gladly refund credits but reserve the right to reject dollar refund requests for services previously rendered by our astrology experts. Our Expert team requires a fee for their services given and thus we must pay them if answer received was satisfactory.

Any unanswered questions will be prorated and refunded to you upon request. Contact our support staff anytime and we will process your refund. Our customer service phone number is 1-800-388-3510. If for whatever reason you’re unhappy with your Expert's response or the time it took to receive answer then please contact customer support for a refund.

RECURRING TRANSACTION CANCELLATION AND REFUND POLICY

When you purchase a membership in the Monthly Forecast or Inner Circle programs (collectively, "Membership Programs"), the credit or debit card that you provide during registration (or a different credit or debit card if You later change Your credit or debit card) (the "Active Card") will be charged the initial membership fee upon Your enrollment in the Membership Programs. If You do not cancel your membership within thirty (30) days of your enrollment, Your Active Card will be charged the monthly membership fee disclosed to You at the time of Your enrollment (the "Monthly Membership Fee"). YOUR ACTIVE CARD WILL BE CHARGED THE MONTHLY MEMBERSHIP FEE EVERY THIRTY (30) DAYS FROM THE DATE YOUR MEMBERSHIP BEGAN, UNLESS AND UNTIL YOU CANCEL YOUR MEMBERSHIP IN ACCORDANCE WITH THIS AGREEMENT.

You expressly authorize the www.AstrologyAnswers.com (or its partners, affiliates, and/or agents) to charge Your Active Card the recurring Monthly Membership Fee. You acknowledge and agree that www.AstrologyAnswers.com will not obtain additional authorization from You for each Monthly Membership Fee charged to Your Active Credit Card. WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., NOR ANY OF ITS OR THEIR AFFILIATES DISCLAIMS ANY LIABILITY OR RESPONSIBILITY FOR ANY OVERDRAFT CHARGES OR FEES YOU MAY INCUR FROM YOUR CARD ISSUER OR BANK FOR INSUFFICIENT FUNDS. All delinquent charges and charges not honored by Your Active Card issuer or bank will be subject to a late fee equal to 1.5% (or the highest amount allowed by law, whichever is lower) of the delinquent amount(s). Except to the extent prohibited by law, this late fee may be charged pending the resolution of any disputes You may have raised regarding Your invoiced charges, provided however that any disputed charges which are resolved in Your favor will not be assessed a late fee or have the late fee removed from the charges. You may cancel your Monthly Forecast or Inner Circle Program membership at any time by contacting the customer support at support@astrologyanswers.com.

If you are unsatisfied with Your Monthly Forecast or Inner Circle Program membership, you may apply for a refund within six (6) Months of Your enrollment by contacting the customer support to cancel Your membership as described in the preceding paragraph. If you cancel your membership within sixty (60) days of your enrollment, you may apply for a refund of all monthly charges. All sales of Monthly Forecast and Inner Circle Program memberships are final after six (6) months from enrollment, at which point no refund will be issued for any fees paid, including Monthly Membership Fees.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless www.AstrologyAnswers.com, New Peak Media, Inc. its and their affiliates and suppliers from any liability, loss, claim and expense (including attorneys' reasonable fees) related to (i) your violation of these Terms, and (ii) your use of this Web Site or the Services.

DISPUTES GOVERNING LAW

This Agreement shall be treated as though it were executed and performed in Alberta, Canada and shall be governed by and construed in accordance with the laws of Alberta, Canada (without regard to conflict of laws principles.)

(a) REQUIREMENT OF ARBITRATION

BY USING THE SITE, THE SITE MATERIALS, AND/OR THE CONTENT, YOU THEREBY AGREE WITH WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., AND ITS AFFILIATES THAT, TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., AND ITS AFFILIATES WILL RESOLVE ANY ARBITRAL CLAIM BY BINDING ARBITRATION BY THE ADR INSTITUTE OF CANADA, INC. ("ADR"). AS USED IN THIS AGREEMENT, AN "ARBITRAL CLAIM" IS ANY CLAIM OR DISPUTE YOU HAVE AGAINST OR WITH WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., AND ITS AFFILIATES OR INDEMNIFIED PARTIES, OR ANY CLAIM WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., AND ITS AFFILIATES HAS AGAINST OR WITH YOU, ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE SITE, THE SITE MATERIALS, THE CONTENT, AND/OR ANY ADVERTISING RELATING TO THE SITE, INCLUDING THE ENFORCEABILITY OF THIS AGREEMENT TO ARBITRATE BUT SPECIFICALLY EXCLUDING (1) CLAIMS BY WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., AND ITS AFFILIATES TO COLLECT FROM YOU UNPAID FEES AND LATE FEES; AND (2) ACTIONS FOR REMEDIES IN AID OF ARBITRATION OR EQUITABLE RELIEF RELATING TO INTELLECTUAL PROPERTY RIGHTS, AS FURTHER DISCUSSED BELOW IN THE "REMEDIES IN AID OF ARBITRATION; EQUITABLE RELIEF" SUBSECTION. EXCEPT AS OTHERWISE EXPLICITYLY NOTED HEREIN, SUCH ARBITRATION SHALL BE CONDUCTED UNDER THE ADR SIMPLIED ARBITRATION RULES THEN IN EFFECT (THE "SIMPLIFIED RULES").

(b) WAIVER OF RIGHT TO A JURY TRIAL

BY REGISTERING FOR OR USING THE SITE, THE SITE MATERIALS, OR THE CONTENT, YOU ALSO ARE AGREEING WITH WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., AND ITS AFFILIATES THAT YOU AND WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., AND ITS AFFILIATES HEREBY WAIVE THEIR RIGHT TO A JURY TRIAL FOR ANY ARBITRAL CLAIM. IF FOR ANY REASON THIS AGREEMENT TO ARBITRATE IS HELD NOT TO APPLY TO AN ARBITRAL CLAIM, WHETHER SUCH ARBITRAL CLAIM IS AGAINST YOU, WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., AND ITS AFFILIATES, BOTH PARTIES STILL AGREE TO WAIVE TRIAL BY JURY.

(c) JOINDER OF CLAIMS

BY USING THE SITE, THE SITE MATERIALS, OR THE CONTENT, YOU ARE FURTHER AGREEING WITH WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., AND ITS AFFILIATES THAT NEITHER YOU NOR WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., AND ITS AFFILIATES WILL JOIN ANY ARBITRAL CLAIM WITH THE CLAIM OF ANY OTHER PERSON OR ENTITY IN A LAWSUIT, ARBITRATION OR OTHER PROCEEDING; THAT NO ARBITRAL CLAIM WILL BE RESOLVED ON A CLASS-WIDE BASIS; AND THAT NEITHER YOU NOR WWW.ASTROLOGYANSWERS.COM, NEW PEAK MEDIA, INC., AND ITS AFFILIATES WILL ASSERT AN ARBITRAL CLAIM IN A REPRESENTATIVE CAPACITY ON BEHALF OF ANYONE ELSE.

(d) FINALITY, APPLICATION OF ARBITRATION AWARD

ANY ARBITRATION AWARD MADE AFTER COMPLETION OF AN ARBITRATION IS FINAL. AN AWARD AND ANY JUDGMENT CONFIRMING IT ONLY APPLIES TO THE ARBITRATION IN WHICH IT WAS AWARDED AND CANNOT BE USED IN ANY OTHER CASE EXCEPT TO ENFORCE THE AWARD ITSELF.

(e) INTERPRETATION

In rendering an award, the arbitrator shall apply the substantive and procedural law of Alberta, Canada, without regard to its choice of laws principles. The arbitrator shall not have any power to alter, amend, modify or change any of the terms of this Agreement, nor to grant any remedy that is either prohibited by the terms of this Agreement or not available in a court of law.

(f) HEARINGS; FEES & COSTS

Either party may demand that any required arbitration hearing or hearings be conducted other than in person, even if the Simplified Rules would otherwise have provided for an in-person hearing. Any required hearing fees and costs shall be paid by the parties as required by the Simplified Rules, although the arbitrator may, in the award, allocate all or any part of the costs of the arbitration, including the fees of the arbitrator and the reasonable attorneys' fees of the prevailing party. If any party files a judicial or administrative action asserting a claim that is subject to arbitration and the other party successfully stays such action or compels arbitration, the party filing that action must pay the other party's costs and expenses incurred in seeking such stay or compelling arbitration, including attorneys' fees.

(g) REMEDIES IN AID OF ARBITRATION; EQUITBLE RELIEF

This agreement to arbitrate will not preclude either You or www.AstrologyAnswers.com, New Peak Media, Inc., and its affiliated entities from seeking provisional remedies in aid of arbitration, including without limitation orders to stay a court action, compel arbitration or confirm an arbitral award, from a court of competent jurisdiction. Furthermore, this agreement to arbitrate will not preclude either You or www.AstrologyAnswers.com, New Peak Media, Inc., and its affiliated entities from applying to a court of competent jurisdiction for a temporary restraining order, preliminary injunction, or other interim or conservatory relief, as necessary, to preserve the intellectual property rights of You, www.AstrologyAnswers.com, New Peak Media, Inc., or its affiliated entities. THE PROPER VENUE FOR ANY ACTION PERMITTED UNDER THIS SUBSECTION REGARDING "EQUITABLE RELIEF" WILL BE THE COURTS LOCATED IN EDMONTON, ALBERTA, CANADA; THE PARTIES HEREBY WAIVE ANY OBJECTION TO THE VENUE AND PERSONAL JURISDICTION OF SUCH COURTS. Any cause of action brought by you against www.AstrologyAnswers.com, New Peak Media, Inc., or its affiliated entities must be instituted within one (1) year after the cause of action arises or be deemed forever waived and barred.

MISCELLANEOUS

These Terms constitute the sole agreement between you and www.AstrologyAnswers.com and its affiliated entities relating to your use and our provision of the Web Site and the Services and the subject matter hereof. The laws of the province of Alberta, Canada govern these Terms in all respects, without giving effect to conflicts of laws principles.

This Terms of Use statement was last updated on December 13, 2013