1.  USE OF ABSOLUTELY PSYCHIC NETWORK AND ALL WEBSITES UNDER ACM ENTERTAINMENT CHAT, AND TELEPHONE DIVISIONS OWNED BY (ACM Entertainment, ENT.)

1.1. APN owns all rights, including all rights in copyright,  but not limited to, all video, text, graphics, logos, etc..

1.2 User agrees when using the Network:

1.2A. Not Email/ Transmit/ Discuss any content that is pornographic (including frontal nudity referred to as “artistic”)  threatening, abusive, harassing, including defamatory, vulgar, obscene, hateful, including sexual orientation defamation.

1.2B. Not Solicit APN Psychic readers for information to their availability in rendering services outside from APN.  APN works around the clock to ensure users receive a quality service by providing users with professionals that are thoroughly screened.  Should user desire to locate a reader via private practice please feel free to do so away from APN and APN contractors on duty rendering services for APN.  APN is not to be used to locating such private practices. Readers will be terminated upon said divulgence.  Clients soliciting information will be permanently banned from future use of APN.

1.2C. Not Engage or otherwise obtain services on the Network through: (1) the illegal use of credit cards /bank cards (2) impersonations of other credit card holders (3) unauthorized use of a telephone.  Usage of Fraudulent credit card is subject to a $100 administrative fee and a $25.00 bank fee. For each subsequent fee, FBI officials will be contacted and charges will be pressed. 

MORE ABOUT FRAUD
APN does not serve as a babysitter for your child under 21 using your credit card with or without consent. That is your job as a cardholder and as a parent.

Credit card fraud is a felony.  APN will aggressively prosecute users attempting to misuse a credit card number. Code 10 (credit card fraud alert ) will be reported to VISA/MC/AMEX/DISCOVER blocking the card.  APN will then take action to track user and prosecute. 

1.3. Must be twenty one  (21) years of age. The law states 18, however, APN reserves right as ownership to fulfill legal jurisdiction and layer more than required to fulfill APN TOS.

1.4. Nature of Services. APN offers its Site services for entertainment purposes only.

1.5 Refund Policy -
1.5a Chat Readings -   Refunds are granted upon 1 service. If user believes service was unsatisfactory, user must leave the session immediately within 4 minutes.  User must email customerservice@absolutelypsychic.com  detailing excerpts from the log and explain assertions to its fullest detail.   User will have the chance to be credited with Chat time with another practioner.   User must enclose log, demonstrate by quoting from the log (pasted) exactly for APN to see evidence submitted forward. Should no log accompany detail user's assertion, no consideration will be given. Hence, Chat readings generate text. Text may be copied and pasted.  Therefore text must be supplied.  "Generic" comments such as "reader wasn't connecting with me" will not be accepted.

1.5b Telephone Readings Billing - Hang up within 4 minutes and inform APN ASAP via telephone (818) 971-7100 or email at customerservice@absolutelypsychic.com  User must supply date, time of call, reader name/extension if available.

1.5c 
Telephone Readings Billing/Telephone cut offs-  Billing begins from the moment you start the phone reading until you or the reader disengage.  This mean if the call is disconnected, billing stops.  Clients should note that although the best phone equipment is a traditional corded LAN line.  Though clients are permitted to use cordless phones, digital phones, VOIP, cell phones etc, should your call drop as a result of your equipment, it is OUTSIDE APN's jurisdiction and thus you should resolve it with your provider's.)  APN will not credit you as a result of your phone provider dropping a phone call while engaged as billing immediately stopped the moment that occurred.

1.5d  Telephone Readings Billing/Client hang up due to wrong reader chosen:  Readers do not have switchboard capabilities.  At the same time, client selects reader from list of available readers.  Clients may view such list online for free and may hear the list on the phone for free.  Should client hang up on reader, credit is not posted.

1.5e  APN only assumes responsibilities for APN readers not outside network readers.  H

1.5f Email Readings- Must supply the all text and assertions to customerservice@absolutelypsychic.com  detailing excerpts from the Email reading and explain assertions to its fullest detail.

1.5e Communication for Misbilling.
All matters must be communicated with Customer Service.  Regardless of bank institution suggesting refraining calling Merchant (APN.) User is responsible to communicate with APN.  Should billing discrepancy occur (hardly ever) user must report to APN asap for resolution. Failure to communicate results may result in $25 penalty chargeback fee and possible damages and banning from APN future services.

1.6 Client Chat Entrance Tardiness
On Demand Chat Readings are rendered on first come first served basis.  Nature of On Demand Chat Readings requires understanding users own Personal Computer, Internet and reading and following directions printed on APN order page prior to purchasing chat time.  This includes

a) Verify Java is installed by using APN sample chat room prior to purchase
b) Verify anti virus software is not delaying the speed of user text in typing out in APN sample chat room.

Reader will wait 4 minutes.  Should user enter after 4 minutes, user risks waiting more as reader will not wait more than 4 minutes. Please note: Instructions on APN order form clearly state:
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HOW FAST YOU WILL RECEIVE YOUR READING
You will be redirected to your readers chatroom within 3-4 minutes or less at the time of your order. 
Do not close any windows while in this process.  In case you are booted from your ISP, check the email address you specified in your order form to re-enter.  You will not lose time. 

Must have Java installed on your PC.
To verify if your browser is compatible with our Chat  or has Java installed
click here to check sample test room.  If you do not have Java, you can quickly and easily obtain a free copy from the sample test room. If you are using WebTV, please select a telephone reading on our toll free line,  1-800-498-8777.  

About running Anti-Virus software
 The more programs you have open, the slower your the speed of your PC whether its connect to the internet or not.   Anti-Virus software often slows the speed of your PC due to the amount of memory it takes from your computer.   In chat, your response speed may become slower as your PC memory is being used. Verify this in ANY chat room on the web and you will notice a significant change in speed.  Therefore, we suggest but not require you temporarily disable Anti-Virus Software before entering chat .  You will not catch a virus by temporarily disabling your Anti Virus software as long as you do not download from strangers while engaged in chat.  Please keep this in mind as our chat works fine especially on dialup. However, your computer needs to co-operate. Thank You.>>

Should user discover Java problems after purchase due to not testing PC in APN free Sample Chat, user will have a choice between an appointment reading in APN NON Java Chat or an Email Reading equivalent defined by table 1.7A.   No refunds are given due to neglecting following directions.  Electing a Chat reading using a computer requires knowing how to utilize users personal Computer, verifying Java installed prior to purchase, minimize  antivirus software prior to entering chatroom (preferably prior to entering purchase page), and not close out redirection process.  Should user lose internet connection, user automatically receives email  generated confirmation with an enclosed hyperlink to re-enter.  Though user retains entire Chat Time, it will not be refunded. Network time is held up in serving other clients.  Readers time is also held up.  Technical support will be provided free of charge. However, lack of cooperation will result in reading being transferred to an appointment Chat reading or Email reading equivalent.

Table 1.7A Email Reading equivalent transference from Chat Increments as follows:
60 Minutes: 1400 Word Email Reading
45 Minutes:  800  Word Email Reading
30 Minutes:  500  Word Email Reading
15 Minutes:  225  Word Email Reading 

1.7 Telephone Readings - All calls are monitored for quality control purposes.  Calls are captured to DAT backup to monitor system and professionalism of APN staff. This will be used in the event of fraud charges or disputes.

1.8 Abuse -Customer Service and APN staff will not be abused or harassed. Abuse is defined as profanity, lack of co-operation, false intention in using service.  Should staff be harassed refusal of services without refund. 

1.9  Client validation - From time to time, security department may request client be telephoned to verify credit card usage.  User is to agree to this confirmation