Terms & Conditions

Last updated: September 1, 2026

These Terms and Conditions (“Terms”) apply to services, courses, group programs, intuitive readings, and membership programs purchased from Emma Basu, Life Coaching, doing business as Tarot and Life Clarity (“Company,” “we,” “us,” or “our”).

By purchasing or enrolling in a Service, you (“Client,” “you,” or “your”) agree to these Terms. These Terms form part of the agreement between you and the Company.

If you have questions about these Terms, please contact us at emma@tarotandlifeclarity.com.

1. Services

The Company provides coaching, online courses, group programs, intuitive readings, and membership programs (collectively, “Services”).

The specific Services included in your purchase, their duration, price, delivery method, and any applicable requirements will be described on the relevant sales page, booking page, enrollment page, or other purchase information provided to you before purchase.

Services may be delivered through online platforms and communication methods including Zoom, email, and other third-party platforms identified at the time of purchase.

The Company may update, modify, or replace the third-party platforms used to provide a Service when reasonably necessary, provided that doing so does not materially reduce the Service purchased by the Client.

2. Coaching Services

Coaching is a collaborative process intended to support the Client in exploring questions, perspectives, goals, choices, and actions.

The Company does not promise or guarantee any particular outcome from coaching. The Client is responsible for their own decisions, choices, actions, and results.

The number, length, and frequency of coaching sessions included in a purchase will be stated at the time of purchase.

Any additional support, including email communication, exercises, materials, or other resources, will be provided only to the extent described in the applicable Service offering.

3. Online Courses, Group Programs, and Memberships

Access to an online course, group program, or membership is provided according to the terms and duration described at the time of purchase.

Access may include lessons, written materials, community participation, live calls, recordings, discussions, or other resources, depending on the particular program.

The Company may make reasonable changes to the format, schedule, platform, instructors, materials, or other aspects of a program when necessary, provided that such changes do not materially alter the Service purchased.

Memberships and recurring services will renew and/or continue according to the terms disclosed before purchase, including the applicable payment schedule and cancellation terms.

4. Intuitive Readings

Intuitive readings are provided for personal reflection, entertainment, and/or spiritual exploration.

An intuitive reading is not medical, psychological, legal, financial, or other professional advice and should not be relied upon as a substitute for advice from an appropriately qualified professional.

The Company does not guarantee that an intuitive reading will accurately predict future events or circumstances.

5. Scheduling and Rescheduling

Clients are asked to provide at least 24 hours' notice when cancelling or rescheduling a scheduled session.

The applicable Service may establish different scheduling or rescheduling rules, which will be disclosed at the time of purchase.

If a Client cancels with less than the required notice or does not attend a scheduled session, the session may be treated as used, subject to any rights the Client may have under applicable law.

If the Company needs to cancel or reschedule a session, the Company will make reasonable efforts to provide notice and arrange a replacement session or other appropriate remedy.

6. Fees and Payment

The price of each Service will be displayed before purchase.

For coaching services charged on a per-session basis, the applicable fee will be the fee displayed at the time of booking or purchase.

Unless otherwise stated, payment is due before the Service is provided.

Payments may be processed through third-party payment and booking platforms identified at the time of purchase.

The Company is not required to provide a Service until the applicable payment has been received, except where otherwise required by law.

Prices for future purchases may change. A Client who has already purchased a Service will pay the price agreed at the time of that purchase, subject to any recurring-payment terms that were clearly disclosed at the time of enrollment.

7. Client Responsibilities

The effectiveness of coaching and other Services depends in part on the Client's participation.

The Client agrees to:

• provide information reasonably necessary for the Company to provide the Service;

• participate honestly and respectfully;

• complete agreed exercises or assignments to the best of their ability;

• communicate promptly about scheduling or other issues that may affect the Service; and

• make their own decisions regarding whether and how to act on information provided through the Service.

The Client understands that the Company cannot control the Client's circumstances, choices, actions, or results.

8. Term and Ending Services

The agreement for a particular Service begins when the Client purchases or enrolls in that Service and continues for the period stated in the applicable Service description, unless ended earlier in accordance with these Terms or applicable law.

The Client may stop participating in a Service by contacting the Company.

The Company may end a Client's participation in a Service where reasonably necessary, including for non-payment, abusive or inappropriate conduct, repeated failure to attend scheduled sessions, or other material breach of these Terms.

Where the Company ends a Service for reasons other than the Client's breach, the Company will provide any refund required under the applicable refund terms or by law.

Ending a Service does not affect rights or obligations that, by their nature, should continue after termination.

9. Cancellations, Refunds, and Your Legal Rights

The Company's cancellation and refund policy for a particular Service will be disclosed before purchase.

Nothing in these Terms is intended to remove, restrict, or replace any consumer rights that cannot legally be excluded or limited.

Where applicable law gives a Client a statutory right to cancel, withdraw from, terminate, obtain a refund for, or seek a remedy in relation to a Service, those rights continue to apply.

For online services and digital content, special rules may apply to cancellation and withdrawal rights. Where required, the Company will obtain the Client's express consent before beginning a Service during a statutory withdrawal period and/or before providing digital content immediately, together with any required acknowledgment concerning the loss or limitation of a right of withdrawal.

Where a Client validly exercises a statutory right of withdrawal, cancellation, or termination, any refund or payment due will be handled in accordance with applicable law.

For Services for which no statutory refund or withdrawal right applies, the specific refund policy disclosed at the time of purchase will apply.

10. Confidentiality

The Company will take reasonable steps to maintain the confidentiality of information provided by the Client in connection with the Services.

The Company will not knowingly disclose confidential Client information to third parties except:

• with the Client's consent;

• when disclosure is reasonably necessary to provide the Services;

• when disclosure is required by law, court order, or legal process;

• when disclosure is reasonably necessary to prevent foreseeable and imminent harm to the Client or another person; or

• as otherwise permitted by applicable law.

The Company uses third-party services and electronic communications to provide some Services. While the Company takes reasonable steps to protect Client information, no method of electronic communication or storage can be guaranteed to be completely secure.

Confidentiality obligations do not apply to information that:

• is or becomes publicly available through no breach of these Terms;

• was already lawfully known to the Company before it was provided by the Client;

• is lawfully received from a third party without a duty of confidentiality; or

• is independently developed by the Company without using the Client's confidential information.

The Company's handling of personal data is also governed by its Privacy Policy.

11. Privacy and Personal Information

The Company collects and processes personal information as necessary to provide the Services, communicate with Clients, administer programs and memberships, and meet legal obligations. Payments are processed by third-party platforms such as Squarespace and Substack; the Company does not collect or store clients’ payment card information. Further information about how personal information is collected, used, stored, and protected is provided in the Company’s Privacy Policy.

12. No Medical, Mental Health, Legal, or Financial Advice

The Company provides coaching and related Services and is not providing medical or mental health treatment, diagnosis, or emergency services.

The Company does not diagnose illnesses, prescribe medication, or provide medical or mental health treatment.

Nothing provided through the Services should be understood as medical, psychological, legal, financial, or other regulated professional advice unless expressly stated otherwise and provided by a person appropriately qualified and authorized to provide that advice.

If the Client requires professional medical, mental health, legal, financial, or emergency assistance, the Client should seek help from an appropriately qualified professional or emergency service.

13. No Guarantee of Results

The Company does not guarantee any particular result from coaching, courses, group programs, memberships, or intuitive readings.

Any statements about possible outcomes are intended as examples or expressions of opinion and are not guarantees.

The Client remains responsible for their own decisions, actions, and circumstances.

14. Intellectual Property

Unless otherwise stated, materials created or provided by the Company in connection with the Services—including written materials, course content, workbooks, exercises, recordings, videos, graphics, documents, and other resources—are owned by or licensed to the Company and are protected by applicable intellectual property laws.

The Company grants the Client a limited, non-exclusive, non-transferable right to access and use these materials for the Client's own personal, non-commercial use in connection with the Service purchased.

The Client may not reproduce, republish, distribute, sell, sublicense, publicly display, commercially exploit, or create derivative works from Company materials without the Company's prior written permission, except where permitted by applicable law.

The Client retains ownership of original materials and information that the Client independently provides to the Company, subject to any rights necessary for the Company to provide the Services.

15. Third-Party Platforms and Services

The Company may use third-party platforms to provide Services, including platforms for video calls, payment processing, scheduling, email, online communities, file storage, and course delivery.

The Client may be required to agree to the terms and privacy policies of those third parties.

The Company is not responsible for interruptions, security incidents, changes, or failures of third-party platforms that are outside the Company's reasonable control.

16. Limitation of Liability

To the maximum extent permitted by applicable law, the Company will not be liable for indirect, incidental, special, consequential, or punitive losses arising from or related to the Services.

To the maximum extent permitted by applicable law, the Company's total liability arising from a particular Service will not exceed the amount the Client paid for that Service.

Nothing in these Terms excludes or limits liability where doing so would be unlawful, including any liability that cannot legally be excluded or limited under applicable consumer protection law.

17. Events Outside Our Control

The Company will not be responsible for delay or failure to perform its obligations where the delay or failure results from circumstances outside its reasonable control, including significant technical failures, internet or platform outages, natural disasters, government actions, serious illness, or other comparable events.

Where such an event materially affects a Service, the Company will make reasonable efforts to communicate with affected Clients and provide an appropriate alternative where reasonably possible.

18. Complaints and Dispute Resolution

If you have a concern or complaint about a Service, please contact the Company first at emma@tarotandlifeclarity.com so that we have an opportunity to address the issue.

Nothing in these Terms prevents a Client from exercising any statutory right to use an applicable consumer complaint, mediation, alternative dispute resolution, or court process.

The Company will provide information about any applicable alternative dispute resolution mechanism where required by law.

19. Governing Law and Jurisdiction

These Terms will be governed by the law determined to apply under the mandatory consumer-protection and private-international-law rules applicable to the Client and the Company.

Nothing in these Terms is intended to deprive a consumer of protections that apply to them under mandatory law in their country of residence.

Any dispute will be subject to the jurisdiction of the courts that have jurisdiction under applicable law.

20. Changes to These Terms

The Company may update these Terms from time to time.

The version of the Terms in effect at the time a Client purchases a Service will apply to that purchase, unless a later change is required by law or agreed between the Company and the Client.

For ongoing memberships or recurring Services, the Company will provide notice of material changes where required by applicable law.

21. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision will be interpreted or modified to the minimum extent necessary to make it valid and enforceable where legally permitted.

The remaining provisions will continue in effect.

22. Entire Agreement

These Terms, together with the information provided to the Client at the time of purchase and any other documents expressly incorporated into the applicable Service agreement, constitute the agreement between the Company and the Client concerning that Service.

If there is a conflict between these Terms and specific terms presented to the Client at the time of purchase, the specific terms will govern to the extent of the conflict, unless applicable law requires otherwise.

23. Contact Us

If you have any questions, concerns, or complaints about these Terms or a Service, please contact:

Business name: Emma Basu, Life Coaching / Tarot and Life Clarity

Email: emma@tarotandlifeclarity.com

Address: 5006 277th Ave NE Redmond, WA 98053

Telephone: 1-603-303-5609