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 Smargie


Business Name: Tarot by Jojo


Email: jojo@jojotarot.com


Address: 3500 Butternut Dr., Loveland, CO 80538