TERMS OF SERVICE AND PRIVACY POLICY

USE OF ABSOLUTELY PSYCHIC NETWORK AND ALL WEBSITES UNDER APN ENTERTAINMENT TELEPHONE DIVISIONS OWNED BY (APN ENTERTAINMENT, ENT.)

APN owns all rights, including all rights in copyright,  but not limited to, all video, text, graphics, logos, etc.. 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.  It is a violation of our Terms of Use for you to be in direct contact with any of our readers outside the Network   If you violate  these Terms of Use, APN bears no liability for any resulting actions, and your ability to use the Services and to redeem any talk time may be revoked. . 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 and/or accepting your private contact action.  

1.2c You agree to pay for your talk time minutes which begins when the psychic answers the phone and ends when you terminate the call.  You are responsible for monitoring your talk time as the psychic does not control the time. 

DISPUTING CHARGES/ "CHARGEBACK'S" & FRAUD

User agrees not to 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. (4) Falsely file fraud with your card issuing bank in efforts to evade paying for services obtained.  A $165 administrative fee and a $25.00 bank fee. For each subsequent fee, FBI officials will be contacted and charges will be pressed. 

Furthermore, 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 Refund Policy -Refunds have no cash credit. Instead, you will be credited minutes to use with another reader. 

1.4b Telephone Readings Billing -User must hang up within 4 minutes and inform APN customer service ASAP via telephone (818) 971-7100 or email at customerservice@absolutelypsychic.com  User must supply date, time of call, reader name/extension if available within 24 hours.  If you do not contact us within 24 hours we reserve the right to not credit. .  If your reading time exceeds 4 minutes, we reserve the right to not credit. 

1.4c  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.

1.4d  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.

1.4e 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.

1.4f Communication for Mis-billing- 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 within 24 hours  for resolution.  Should a charge be disputed with issuing bank without notifying APN, penalty fees outlined in this section will be applied. 

1.4g  YOU ARE RESPONSIBLE FOR PAYING ANY UNAUTHORIZED CHARGES BILLED TO YOUR CREDIT CARD BY A THIRD PARTY. You agree to pay all fees and charges incurred in connection with your purchases at the rates in effect when the charges were incurred.  It is your responsibility monitor your credit card especially in the case of relatives using your credit cards. APN does not serve babysitter for children under 21 using your credit card with or without consent. That is your job as a cardholder and as a parent/relative.

1.5 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.

1.7 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 credit. 

1.8  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

1.9  At any time you may opt out of our newsletters, horoscopes, text messages.  Via email simply click on the link on the bottom.  If  you receive a text message, simply type "stop" (without quotes.) to opt out.  At any time you may opt back in.   Note: If you telephone APN you may receive a text message with coupons, announcements, etc.  Again, at any time you may opt out.  By calling our 800 number, you are authorizing us to call you back with a promotion.

2.0 Privacy Policy:

APN has always been committed to maintaining the accuracy, confidentiality, and security of your personal and corporate information. We have established Privacy Principles to govern our use of client information.

APN does not sell, share or distribute client Information to any third party organization.

Accountability
APN is responsible for maintaining and protecting client information under its control.

Identifying Purposes
The purposes for which client information is collected shall be identified before or at the time the information is collected.

Consent
The knowledge and consent of the client are required for the collection, use or disclosure of client information except where required or permitted by law.

Limiting Collection
The client information collected must be limited to those details necessary for the purposes identified by APN Information must be collected by fair and lawful means.

Limiting Use, Disclosure and Retention
Client information may only be used or disclosed for the purpose for which it was collected unless the client has otherwise consented, or when it is required or permitted by law. Client information may only be retained for the period of time required to fulfill the purpose for which it was collected.

Accuracy
Client information must be maintained in as accurate, complete and up-to-date form as is necessary to fulfill the purposes for which it is to be used.

Safeguarding Client Information
Client information must be protected by security safeguards that are appropriate to the sensitivity level of the information.

Openness
APN is required to make information available to clients concerning the policies and practices that apply to the management of their information.

Client Access
Upon request, a client shall be informed of the existence, use and disclosure of their information, and shall be given access to it. Clients may verify the accuracy and completeness of their information, and may request that it be amended, if appropriate.

Handling Client Complaints and Suggestions
Client may direct any questions or inquiries with respect to the privacy principles outlined above or about our practices by contacting the designated person(s) accountable for privacy at (Company Name).

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