This Agreement between YOU and Rev. Joseph Andrade (hereinafter
“JOSEPH”) sets forth and contains all of the terms and conditions between YOU and
JOSEPH for any and all consultations, readings, and sessions.

1. Term and Effectiveness of Agreement. YOU agree to pay JOSEPH for
readings as set forth in the Readings Schedule.
Payment in advance for a session is only payment for that session and does not entitle
YOU to any further sessions unless payment is made in advance for those sessions.
This Agreement is effective and binding upon YOU when payment is confirmed on
YOUR behalf and YOU are assigned an appointment time, which may be several
weeks after the confirmation of YOUR payment. YOUR payment is confirmation that
YOU agree to be bound by all terms and conditions of this Agreement. YOU
understand that an appointment time is reserved in JOSEPH’s schedule and that
prevents JOSEPH from any consultation with anyone else during YOUR appointment
time. Accordingly, YOU agree that a payment once made is not refundable under any
circumstances. Readings and Consultations are available on Skype, by phone, or in person. 

     Payments are done via PayPal or in Person.

       2. Warranty of Identity and Age of Majority. YOU represent and warrant that YOUR
identity is accurate and that YOU are at least 18 years of age.

3. JOSEPH makes No Guarantees. YOU agree that JOSEPH makes no guarantees,
representations or warranties, express or implied, statutory or otherwise, with respect to
the accuracy, relevancy, or quality of any information provided by JOSEPH at any time.

4. Limitation of JOSEPH’s Liability. YOU agree that JOSEPH shall have no liability to
YOU or to any person or entity for any losses, liabilities or expenses, or any damages of
any kind, including, but not limited to, damages which are general, special, physical,
mental, emotional, indirect, incidental or consequential, which might be caused by
negligence, accident, intent, or any other cause whatsoever, or which might result from
any information, coaching, suggestions, or advice provided to YOU by JOSEPH. In
the event that a court of competent jurisdiction should determine that JOSEPH is liable
for any damages of any kind, then YOU agree that such damages, including any
refund, are limited to the price of a single 30 minute OR one-hour consultation.

5. Medical, Legal, or other Professional Issues. JOSEPH does not provide any advice
regarding medical conditions, legal issues, psychological disorders, financial matters, or
investment opportunities. All advice for any such issues or matters should be obtained
from a qualified professional. No consultation with JOSEPH is to be considered as any
kind of medical or psychological diagnosis or treatment for any condition. Any
discussions pertaining to any professional matter are for general information purposes
only. Do not ignore advice from a qualified professional based upon any consultation
with JOSEPH.

6. YOUR Assumption of Risk and Liability. You understand and agree that JOSEPH
cannot be held responsible or liable for the actions you take as a result of any
consultation or any session YOU have with JOSEPH. You have complete free will to
take any actions YOU choose and YOU are completely responsible for any and all
actions that you take after any consultation or session with JOSEPH.

7. Hold harmless and Indemnify. YOU agree to hold JOSEPH harmless and to
indemnify JOSEPH for any liability to JOSEPH or damages incurred by JOSEPH as a
result of any actions you take after a consultation or session with JOSEPH.

8. Services Provided. JOSEPH and any of the websites for JOSEPH provide
information and access to telephone and e-mail consultations, which include life
coaching, consultations, intuitive readings and mediumship (hereinafter “Services”).
YOU agree not to use any Services if YOU are a resident of any jurisdiction that may
prohibit JOSEPH’s Services or if you are under the age of 18 years

9. Refusal or Denial of Services. JOSEPH reserves the right to refuse service to any
person for any reason. JOSEPH also reserves the right to pursue legal action against
any person who commits fraud, or otherwise violates applicable laws. Furthermore,
JOSEPH has the right to terminate a phone call at anytime, if YOUR comments and/or
behavior is deemed by JOSEPH to be inappropriate, abusive, or threatening.

10. Confidentiality and Recording of Sessions. JOSEPH keeps confidential all
information provided by YOU in any consultation or session. JOSEPH does NOT record
any consultation or session with YOU and YOU may not record in any manner any
consultation or session with JOSEPH unless YOU obtain the express permission in
advance of JOSEPH to record a consultation or session and that expression
permission is clearly stated at the beginning of the recording for the consultation or
session. Any such permission to record a consultation or session is only for that one
consultation or session and does not constitute permission to record any future
consultation or session.

11. Risk of Harm to Yourself or to Others. YOU understand that if at any time
JOSEPH should determine that YOU are a risk to harm YOURSELF or another person,
JOSEPH may be required by MASSACHUSETTS law to inform the appropriate authorities in
order to prevent any such harm to YOURSELF or another person

        12. Attorney’s Fees and Costs. In the event that a dispute should arise concerning the
enforcement of this Agreement, or the interpretation of any of the terms or provisions
hereof, or regarding any consultations or discussions with JOSEPH, and an action
should be commenced, the prevailing party to such action shall be entitled to, in
addition to such other relief as may be appropriate under the circumstances, an award
by a court of competent jurisdiction of the reasonable attorney’s fees and costs actually
incurred in the good faith prosecution or defense of such action. Any such action shall
have venue in the Trial Court of appropriate jurisdiction of the State of Massachusetts, in and
for the County of Bristol.

13. Hyperlinks. Any link (including a hyperlink, button or referral device of any kind)
used on any of JOSEPH’s websites is provided for YOUR use and convenience. The
appearance of a link on this website does not constitute an endorsement,
recommendation or certification by JOSEPH, neither should the presence of a link in
any way be construed as a suggestion that any third-party website has any relationship
with JOSEPH. JOSEPH is not responsible for the content of linked third-party
websites or third-party advertisements, does not make any representations regarding
their content or accuracy, and makes no representations regarding the risks of viruses,
existence of unauthorized code, or the presence of other harmful components.
JOSEPH does not knowingly link to websites that may infringe upon valid and existing
trademarks, service marks, copyrights or patents. YOUR use of third-party websites is
at YOUR own risk and subject to the terms and conditions of use for such websites.

14. Binding Effect. This Agreement shall be binding upon and shall inure to the
benefit of the parties and their respective executors, administrators, heirs, successors,
and assigns.

15. Construction by Massachusetts Law: This Agreement is entered into in the State of Massachusetts
and shall be construed and interpreted in accordance with its laws. Some states

might not allow the exclusion or limitation of incidental damages, or any limitations upon
the duration of implied warranties. YOUR acknowledgment that this Agreement is
construed and interpreted according to the laws of the State of Massachusetts means that
such state laws do not apply to the terms of this Agreement. YOU agree that any
claims made by YOU against JOSEPH be brought within one (1) year of the date on
which the event giving rise to such action occurred. All remedies set forth in this
Agreement are exclusive and are limited to those expressly provided for in this

16. Assignment. YOU may not assign this Agreement or any interest therein without
the prior written consent of JOSEPH.

17. Severability. If any provision or portion thereof of this Agreement is held to be
unenforceable or invalid by any court of competent jurisdiction or arbitrator, then that
provision or portion thereof shall be severed from this Agreement and the remaining
parts of this Agreement shall be construed and enforced as if the severed portion were
not a part of this Agreement.

18. Headings. The section headings contained in this Agreement are inserted for
convenience only and shall not affect in any way the meaning or interpretation of this

19. Entire Agreement. This Agreement contains the entire agreement between the
parties and supersedes and replaces any and all prior or contemporaneous agreements
or understandings, written or oral, with regard to the matters set forth herein. This
Agreement includes any advisements contained in any  LEGAL NOTICE AND DISCLAIMER 
displayed on any of JOSEPH’s websites. This Agreement may be
amended or modified in whole or in part at any time only by an agreement in writing
executed by YOU and JOSEPH. JOSEPH reserves the right, in his sole discretion, to
change the terms and conditions of this Agreement at any time and any such new
Agreement will be effective for any services provided and payments made after such
new Agreement.