This is a legal agreement between you and Psychic Miracle Network and hereinafter referred to as " Psychic Miracle Network."

If Psychic Miracle Network accepts your Member Sign-up Form, you will become a "Member" having access to the Site and Advisor Services only under the policies, terms and conditions below.

For convenience, we will refer to the Psychic Miracle Network website, Mail (any email you send from your Member account to another Member), phone services (including services available through Click 4 Advisor© and other numbers that Psychic Miracle Network maintains for access by Members) and any content therein provided by Psychic Miracle Network

We will refer to any information, entertainment services and other products or services you may receive from other Members (in their role as Advisors) or their listings on the Psychic Miracle Network Site as the "Advisor Services." Members who enter into the Member Agreement and those who solicit or receive Advisor Services from other Members will be referred to as "Members." Members who create listings and/or provide Advisor Services will also be referred to as "Advisors".

The policies, terms and conditions below limit Psychic Miracle Network liability and obligations to you and allow Psychic Miracle Network to change, suspend or terminate your access to and use of the Site and Advisor Services. Carefully read the following terms and conditions. The following policies and rules are incorporated into the Member Agreement.

YOU UNDERSTAND THAT BY REGESTERING WITH Psychic Miracle Network AND CLICK 4 ADVISOR©YOU ARE AGREEING TO BE BOUND BY THIS MEMBER AGREEMENT THAT BINDS YOU IN THE SAME WAY THAT A PAPER CONTRACT BINDS YOU. ALL USage OF THE SITE AND ADVISOR SERVICES IS SUBJECT TO THE TERMS OF THIS MEMBER AGREEMENT AND THE POLICIES, TERMS AND INSTRUCTIONS REFERENCED IN THE Psychic Miracle Network SITE. THESEARE INCORPORATED AND CONSIDERED AS PART OF THESE TERMS. YOU MUST ACCEPT WITHOUT MODIFICATION ALL OF THE TERMS, CONDITIONS, POLICIES AND NOTICES REFERENCED IN THIS MEMBER AGREEMENT IN ORDER TO ACCESS AND USE THE SITE AND ADVISOR SERVICES. IF YOU DO NOT ACCEPT THIS MEMBER AGREEMENT IN ITS ENTIRETY, YOU MAY NOT ACCESS OR USE Psychic Miracle Network OR ADVISOR SERVICES.

1. Eligibility to use the Site and Advisor Services is limited.

The Site and Advisor Services are available only to persons who are at least eighteen (18) years old and are otherwise capable of forming legally binding contracts under applicable law. The Psychic Miracle Network Site and Advisor Services are not available to temporarily or indefinitely suspended Members.

You shall not use the Site or become a Member if you are located or reside in a country (a) in which use or participation is prohibited by law, decree, regulation, treaty or administrative act or (b) is prohibited from entering into trade relations with the United States or its citizens. Such countries include, without limitation, Afghanistan, Burma, Cuba, Iran, Iraq, Libya, North Korea, Serbia, Sudan, Syria and Yugoslavia

2. You use or provide Advisor Services, and consult with Advisors, at your own risk.

(a) Psychic Miracle Network does not evaluate, provide, produce or control the Advisor Services, or information or exchanges between Members, in any manner. Although Advisor listings may contain verified credentials, the verification services are provided by third parties and Psychic Miracle Network does not itself provide any advice. All information is for entertainment purposes only! Psychic Miracle Network does not guarantee or make any representations regarding the identity or qualifications of any Advisor. Psychic Miracle Network acts as a technology service that allows Members to share information, entertainment services or other products or services among themselves. Psychic Miracle Network helps its Members connect with each other, it does not monitor the advice exchanged, and, as a result. Psychic Miracle Network does not control, nor is responsible for, the truth, accuracy, completeness, safety, timeliness, quality, appropriateness, legality or applicability of anything said or written by Members, including without limitation any information contained in Advisor listings or made available through the Psychic Miracle Network Site. Psychic Miracle Network is not responsible for use or exchange of any information between Members. You are solely responsible for using Psychic Miracle Network and Advisor Services. Psychic Miracle Network recommends that you do not disclose personal contact information to Members. If you do, you do so at your own risk & liability! If you ever believe that a Member has violated the law or is defrauding, threatening or endangering anyone, Psychic Miracle Network urges you immediately to contact the police directly for help. In addition Psychic Miracle Network does not recommend or encourage Members to use the Site or Advisor Services to solicit other Members to meet with them in person!

3. Psychic Miracle Network may modify this Member Agreement, or suspend or terminate your use of the Site, at any time without notice to you.

 (a) Psychic Miracle Network may at any time suspend or terminate your membership and refuse to provide access to the Site without reason or notice to you.

4. The Site is only a venue for Member listings. Psychic Miracle Network acts only as an interface for communications initiated between Members. As a Member, you are not an employee, agent or contractor of Psychic Miracle Network, and you shall not represent that you are any of the foregoing. You are solely responsible for all equipment necessary to access and use the Psychic Miracle Network Site and Advisor Services, and for reporting and payment of all taxes associated with fees transferred to you by Psychic Miracle Network.

5. You are solely responsible for all use made of the Advisor Services under your password and Member account information and agree to pay for all Advisor Services purchased using your password and Member account information.

(a) The rates for Advisor Services are as set forth by Psychic Miracle Network You hereby authorize Psychic Miracle Network to collect fees for each Transaction by debiting your Member account immediately upon conclusion of each Transaction, regardless of quality or completeness. Fees for live calls are calculated based on the per-minute rate listed and the duration of the call. Fees for recorded calls are determined based on the listed fee. You authorize Psychic Miracle Network, directly or through third parties, to make any inquiries we consider necessary to validate your Member account and/or listing information. This may include ordering a credit report and performing other credit checks or otherwise verifying the information you provide.

(b) You agree to maintain the confidentiality of your password and Member account information and to supervise all activities that occur under your Member name, password or Member account, including, but not limited to any and all usage of the Site by other persons under your Member name and password. You agree that you will not permit, enable, introduce or facilitate any non-Members in having access to or use of the Site or Advisor Services in any manner without such individuals first becoming Members and other Members to use a specific Advisor Service at the same time that you are doing so.

(c) You agree that Psychic Miracle Network is not responsible for any loss that you may incur as a result of any unauthorized person using your Member account or password. You agree that Psychic Miracle Network may use information provided by you as described in the privacy policy.

(d) Based on Member account use and other factors identified by Psychic Miracle Network in its sole discretion. Psychic Miracle Network may require verification of your credit, identity and/or other background information in order for you to continue using the Site. In such event, you agree to provide Psychic Miracle Network with additional information that may be requested. You hereby consent to Psychic Miracle Network disclosure of your personal information to third-party service providers in order to verify your credit, identity and/or other background information, and you authorize Psychic Miracle Network to obtain a consumer credit report from consumer credit reporting agencies and to verify your identification.

6. In using or accessing the Site or Advisor Services, you agree to comply with the following:

(a ) You (as a Advisor providing Advisor Services) are solely responsible for the content provided and the content on listings created under your Member account.

(b) You (as a Member receiving Advisor Services) will not record or otherwise store any live or pre-recorded voice Advisor Services that you receive through the Site. You (as an Advisor providing Advisor Services) will not record or otherwise store any calls you conduct with a Member.

(c) You will not use the Site for any purpose that is unlawful, fraudulent or contrary to this Member Agreement and the policies of Psychic Miracle Network, and you will cooperate fully with Psychic Miracle Network to investigate any suspected unlawful, fraudulent or improper activity, including but not limited to granting authorized Psychic Miracle Network representatives access to any password-protected portions of your Member account.

(d) You will not solicit or provide advice, directly or through writings, as to the value of securities or as to the advisability of investing in, purchasing or selling securities or any report or analysis concerning securities.

(e) You will conduct all for-fee communications that you have with other Members only through the Psychic Miracle Network Site, and you will not circumvent or attempt to circumvent the Site using third-party payment services.

(f) You will not use the Psychic Miracle Network Site in any manner that harasses another Member or could interfere with any other party's use or enjoyment of the Site. You will respect the privacy of others and not use the Site for unwelcome, rude or abusive communications.

(g) You will not attempt to gain unauthorized access to any Member account information, computer systems or networks associated with the Site.

(h) You will not attempt to obtain any information or materials relating to the Site through any means not intentionally made available through the Site.

(i) You will not "frame," "mirror" or otherwise copy any portion of the Psychic Miracle Network Site

(j) You will continue to provide true, accurate and complete payment registration information and will maintain as current and promptly update your personal contact information that you provide to Psychic Miracle Network as soon as possible and applicable. You will not use false identities or impersonate any other person or use a name that you are not authorized to use.

(k) You will not use the Site to solicit Members, to promote any product or services other than the information services described in your Member listing which are provided through the Site, to provide any product or services related to, claiming success with or offering information regarding lottery numbers or for purposes of multi-level marketing proposals.

(l) You will not transmit "junk mail," "spam," "chain letters" or unsolicited mass distribution of email or bulletin board postings, or transmit solicitation for employees, consultants, contractors or for participation on other websites.

(m) You will not use the Psychic Miracle Network Site to promote bonus items, giveaways, random drawings, prizes, contests or games of chance.

(n ) You will adhere to all applicable laws and regulations governing your actions in connection with the Site and (as a Advisor providing Advisor Services) are responsible for meeting the requirements of applicable record keeping laws, including, but not limited to, meeting the requirements of 18 U.S.C. 2257 and related regulations.

(o) You will not encourage or instruct any other individual to do any of the foregoing or to violate any term of the Psychic Miracle Network policies.

7. As between the parties, Psychic Miracle Network shall retain all ownership of the Psychic Miracle Network Site including all URLs and any content created or derived from the Site. You understand and agree that You will have no right, title and interest to any of the toll free numbers, phone numbers or extension numbers assigned to You that Psychic Miracle Network may change Your toll free number, phone numbers and/or extension number at any time. Phone numbers, toll free numbers, extensions and listing names may be recycled by Psychic Miracle Network. You hereby grant to Psychic Miracle Network its distribution partners, affiliates and similar third party website, media providers of Psychic Miracle Network choice the right to use, copy, distribute, display or reference in any media form Your listing information, including without limitation. Your listing name, tags, descriptions, photos, Psychic Miracle Network buttons, phone numbers and extensions.

8. If you act as a Advisor, you will comply with and be subject to Psychic Miracle Network Rules.

9. Psychic Miracle Network disclaims any warranties or representations regarding the Site and Advisor Services.

THE SITE AND ANY ADVISOR SERVICES OR GOODS OBTAINED THROUGH THE SITE ARE PROVIDED "AS IS" WITH NO WARRANTY OF ANY KIND. Psychic Miracle Network AND ITS SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SITE, ADVISOR SERVICES AND ALL COMMUNICATIONS BETWEEN MEMBERS MADE THROUGH THE SITE, INCLUDING ANY IMPLIED WARRANTY OF QUALITY, AVAILABILITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

In addition, Psychic Miracle Network makes no representation or warranty that the operation of the Site will be error free. Some states do not allow the exclusion of warranty, so the above exclusions may not apply to you.

10. Psychic Miracle Network liability for your access to and use of the Site and Advisor Services is limited and you are responsible for your use of the Site.

YOU AGREE TO HOLD HARMLESS, DEFEND AND INDEMNIFY Psychic Miracle Network, AND ITS EMPLOYEES, SUBSIDIARIES, AGENTS AND REPRESENTATIVES, FROM AND AGAINST ANY LIABILITY ARISING FROM OR IN ANY WAY RELATED TO YOUR USE OF THE SITE OR PROVISION OF ADVISOR SERVICES, INCLUDING ANY LIABILITY OR EXPENSE ARISING FROM ALL CLAIMS, LOSSES, DAMAGES (ACTUAL AND CONSEQUENTIAL), SUITS, JUDGMENTS, LITIGATION COSTS AND ATTORNEYS' FEES, OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, FORESEEABLE AND UNFORSEEABLE, DISCLOSED AND UNDISCLOSED. FURTHERMORE ALL ADVISORS ARE RESPONSIABLE FOR THEIR OWN TAXES AND OTHER SUCH LIBALITIES, Psychic Miracle Network DOES NOT KEEP RECORDS OF YOUR INCOME, ADVISORS ARE SOLELY RESPONSABLE FOR SUCH.