Last updated: August 13, 2026
1. Who we are, and your agreement with us
TalkToPsychics.com (the “Platform”, “we”, “us”) is operated by Ellietainment, a company registered in the Netherlands. Our registration details are shown below and on the contact page.
These Terms of Service (the “Terms”) are a binding agreement between you and us. By creating an account, purchasing credit or using the Platform in any way, you accept these Terms, our Privacy Policy and our Entertainment Disclaimer, which together form the entire agreement. If you do not agree, do not use the Platform.
2. What the Platform is (and what it is not)
TalkToPsychics is an online marketplace that connects members with independent spiritual advisors (“Readers”) for live chat readings: psychic readings, tarot, astrology, numerology, dream interpretation and related services (the “Services”).
Readers are independent contractors. Readers are not our employees, agents or representatives. They set their own per-minute rates within Platform limits, work on their own schedule and are solely responsible for the content of their readings. We screen Readers before admission and apply quality and safety monitoring as described in section 8, but we do not direct, supervise or control individual readings, and we make no promise about the outcome of any reading.
All Services are provided for entertainment and personal insight only. Readings are not medical, mental-health, legal, financial, investment or other professional advice, and must never be used as a substitute for it. Do not make significant life decisions based solely on a reading. If you are in crisis or need professional help, contact a qualified professional or your local emergency services immediately.
3. Who may use the Platform
You must be at least 18 years old to use the Platform. By using it you confirm that you are 18 or older, that you can enter into a binding contract, and that all information you provide is accurate. We may close accounts of users who are found to be underage and refund unused purchased credit to the original payment method.
You may hold one account. You are responsible for keeping your login credentials confidential and for everything that happens under your account. Accounts, credit and rewards are personal and non-transferable. Notify us immediately if you suspect unauthorized use.
4. Credits, rates and billing
Readings are paid with prepaid credit. You buy credit in packages at the prices shown on the pricing page; applicable taxes are included in the displayed price unless stated otherwise.
Each Reader's per-minute rate is shown on their profile before you start. Once a paid chat begins, credit is deducted per second of active chat time, so you only pay for the time you actually use. You can end a chat at any moment. Your remaining balance is always visible in your account.
Payments are processed by third-party payment providers (see section 12). We never receive or store your full card number. You promise that you are authorized to use the payment method you provide, and you agree not to initiate chargebacks for properly delivered Services; contact support@talktopsychics.com first so we can resolve any billing issue.
5. Free minutes, the $50 bonus credit and other promotions
New members receive 3 free chat minutes to try a Reader, and a one-time $50 bonus credit that is added to your account with your first qualifying purchase. In addition, the Platform offers ongoing reward programs such as the daily wheel of fortune and the Star Points shop.
All promotional balances (free minutes, bonus credit, wheel prizes, reward redemptions) are subject to the following rules:
- they have no cash value, are non-refundable and non-transferable, and cannot be exchanged for money;
- they are limited to one per person, household, device and payment method, unless a promotion states otherwise;
- bonus and promotional credit may carry an expiry date, shown when granted; purchased credit is not subject to promotional expiry;
- promotional balances are funded by the Platform and do not represent amounts payable to Readers;
- we may modify, suspend or end any promotion for the future at any time, and we may revoke promotional balances obtained through abuse, such as duplicate accounts;
- when you spend credit, promotional balance is used after purchased balance unless stated otherwise.
6. Refunds and your statutory rights
Because billing runs per second, you never pay for reading time you did not use. If a reading nonetheless went wrong — a technical failure, or a Reader who seriously failed to deliver — contact support@talktopsychics.com within 7 days. We review every complaint, and where justified we will restore credit or refund to the original payment method.
For consumers in the European Union: you have a statutory 14-day right of withdrawal on credit purchases. By purchasing credit and starting a reading within that period you request immediate performance; if you withdraw, you are refunded the unused part of the purchased credit. Nothing in these Terms limits rights you have under mandatory consumer law of your country of residence.
Unused purchased credit does not expire while your account is active. If your account has been inactive for more than 24 months we will contact you at your registered email address before taking any action regarding remaining balance, and we will handle dormant balances as required by applicable law.
7. Your conduct
You agree that you will not:
- use the Platform if you are under 18, or ask a Reader for advice concerning a minor's medical or safety situation instead of contacting the appropriate professionals;
- harass, threaten, abuse or discriminate against Readers or other users, or send unlawful, hateful or sexually explicit content;
- ask Readers for medical, mental-health, legal, financial or investment advice, or present a reading to others as such advice;
- exchange or request off-platform contact details or payments, or otherwise circumvent Platform billing;
- impersonate someone else, submit false information, create multiple accounts or manipulate promotions, reviews or rewards;
- scrape, copy, reverse-engineer, disrupt or overload the Platform, or use it to build a competing service;
- record, resell or commercially exploit readings or Platform content without our written permission.
8. Screening, safety moderation and reviews
Readers apply, are interviewed and are screened before admission. As an additional safety layer, our systems may flag chat messages that indicate safety risks (for example crisis situations, involvement of minors, fraud or attempts to move contact off-platform), and our staff may review flagged fragments as described in the Privacy Policy. This moderation exists to protect users; it does not amount to supervision or direction of Readers, does not guarantee that any particular content will be detected or removed, and does not shift responsibility for the content of a reading from the Reader to the Platform.
Reviews on the Platform are governed by our review policy: only members who actually had a paid reading can review it, and we do not write, buy or fabricate reviews. We may remove reviews that violate the policy.
We may suspend or terminate accounts (of members or Readers) that violate these Terms, and we may refuse, interrupt or end any chat where we consider that necessary for safety, fraud prevention or legal compliance.
9. Intellectual property
The Platform — including its design, text, graphics, logos, software and databases — is protected by intellectual-property rights owned by us or our licensors. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Platform for its intended purpose. No other rights are granted.
Content you submit (such as reviews and messages) remains yours; you grant us a worldwide, royalty-free license to host, display and process it to the extent needed to operate the Platform, including displaying reviews with your display name. If you send us suggestions or feedback, we may use them without obligation to you.
10. Disclaimers
The Platform and all Services are provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including fitness for a particular purpose, accuracy of readings, and uninterrupted or error-free operation. We do not warrant that any reading, prediction or piece of guidance is accurate, complete or reliable, and you acknowledge that you use readings at your own discretion and risk. Some jurisdictions do not allow certain warranty exclusions, so parts of this section may not apply to you.
11. Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits, data or goodwill, arising out of or related to the Platform or any reading — including decisions you make in reliance on a reading.
To the fullest extent permitted by law, our total aggregate liability for all claims relating to the Platform is limited to the greater of (a) the amounts you paid us in the six months before the event giving rise to the claim, and (b) USD 100.
Nothing in these Terms excludes or limits liability that cannot be excluded under applicable law, including liability for intent or gross negligence, or your mandatory rights as a consumer.
12. Third-party services
We use carefully selected third parties to run the Platform: payment providers (such as Stripe, PayPal and Mollie) to process payments, EU-based hosting providers to run our servers, analytics and advertising partners, and email providers for transactional messages. Their role and the data they handle are described in detail in the Privacy Policy. Payments are subject to the payment provider's own terms. We are not responsible for third-party websites linked from the Platform.
13. Indemnification
You will indemnify and hold us harmless from claims, damages and reasonable costs (including legal fees) brought by third parties arising from your breach of these Terms, your misuse of the Platform, or your violation of law or third-party rights — except to the extent the claim was caused by our own breach of these Terms.
14. Term and termination
You can stop using the Platform and delete your account at any time via your account settings or by contacting support. We may suspend or terminate your account with immediate effect if you materially breach these Terms, if required by law, or if we discontinue the Platform; where reasonably possible we will give notice. On termination for our convenience, or on a justified underage closure, unused purchased credit is refunded; on termination for your material breach or fraud, promotional balances lapse and we may withhold refunds to the extent permitted by law. Sections 9 through 17 survive termination.
15. Dispute resolution — please read carefully
Talk to us first. Most issues are solved fast by support@talktopsychics.com. You agree to give us 30 days to resolve a dispute informally before starting formal proceedings.
If you live in the United States: any dispute that we cannot resolve informally will be finally resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, conducted in English, remotely or in the county where you live. You and we both waive the right to a jury trial and to participate in a class action; claims may be brought only in an individual capacity. This section does not take away your right to bring an eligible claim in small-claims court, or to raise issues with consumer-protection agencies. Opt-out: you may reject this arbitration agreement, without any consequence for your use of the Platform, by emailing support@talktopsychics.com with the subject “arbitration opt-out” within 30 days of first accepting these Terms.
If you live in the European Union, the United Kingdom or elsewhere: the arbitration clause above does not apply to you. Disputes are submitted to the competent court under section 16, and you always retain the right to bring proceedings before the courts of your own country of residence where consumer law grants it.
16. Governing law
These Terms are governed by the laws of the Netherlands, excluding its conflict-of-law rules — but this choice of law never deprives you of protections granted by mandatory consumer law of the country where you live. For users outside the scope of section 15's arbitration agreement, the courts of the Netherlands have jurisdiction, alongside any court made competent by mandatory consumer law.
17. Changes, and how to reach us
We may update these Terms from time to time — for example when we add features or when the law changes. For material changes we give at least 14 days' notice by email or on-platform message before the new Terms take effect; continuing to use the Platform after that date means you accept them. If you do not accept, stop using the Platform and contact support about remaining credit.
Questions about these Terms: support@talktopsychics.com, or the contact page. Operator details are shown in section 1.