Terms & Conditions

Effective Date: June 12, 2025

These Terms & Conditions (“Agreement”) govern your access to and use of services and content provided by Joseph Robert Smargie, doing business as Tarot by Jojo (“we”, “us”, or “our”). By booking a session, accessing our website, or submitting your information, you agree to be bound by the following terms:

1. Cancellation Policy

Paid appointments must be canceled at least 24 hours prior to the scheduled session to qualify for a full refund.
No refunds will be issued for cancellations made within 24 hours of the appointment.

2. Disclaimers

All services and content provided are for entertainment purposes only.
This content is not a substitute for professional advice—including legal, medical, psychological, or financial advice.
You are solely responsible for any actions or decisions you make based on our content or services.
We expressly disclaim liability for any outcomes resulting from your use of this site or services.

3. Refunds

If a refund is issued, the amount will be minus any transaction fees incurred during the original payment.

4. Age of Majority

By using this site or booking a session, you confirm that you are at least 18 years old, or the legal age of majority in your jurisdiction, at the time of use or purchase.

5. Privacy & Data

By submitting your information, you grant us the right to use your data for marketing purposes.
By providing your email address, you agree to receive marketing emails, which you may unsubscribe from at any time via the link in each email.
We do not sell or share your personal data—except as required by law.
While we take reasonable steps to protect your data, we do not guarantee its security and are not liable for any privacy breaches or data loss.

6. Severability

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

7. Contact Information

Legal Name: Joseph Robert SmargieBusiness Name: Tarot by JojoEmail: jojo@jojotarot.comAddress: 3500 Butternut Dr., Loveland, CO 80538

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