Terms and Conditions

Payment Terms. Due to the difficulty with debt collection, all payments for reading requests must be tendered in advance or COD. Bank Transfer, Revolut, Stripe and PayPal payments accepted. Please direct your payment preference type to Emma Vergara at the time of your service request. Please note that all payment transfers are done through the third party platform(s) PayPal, or Stripe so please be familiar with the privacy policy and terms of use for these third party platforms. Emma Vergara is not liable for any mishandling by these third party platforms. In the event of third party mishandling, your claim will be with PayPal or Stripe directly. For in-person services, cash, or PayPal / Bank Transfer directly before the appointment. Emma Vergara does not accept checks or money orders. If your credit card is declined or payment is not properly transferred due to deficiencies on your end, then Moonlight Insights will be entitled to the balance owed.

Cancellation Policy. For in-person and online video sessions, to cancel you must send the cancelation notice to  at least 24 (twenty-four) hours in advance of the appointment. Otherwise you will be bound to pay the session price even if you do not show up for your session. Due to our busy schedule and the number of clientele we handle, cancellations are an enormous burden on our business. Thus, if you book a session, then we rely on your representation that you will fulfil your end of the arrangement and we will of ours. For e-mail written reading reports, all sales are final and therefore once offer and acceptance have been confirmed, you will be bound to the terms. Again, this is due to the time and energy put into creating the reading, busy schedules and the enormous burden placed on us if and when there are cancellations.

Refusal of Treatment / Services Emma Vergara / emmavergara.com retains the right to refuse or postpone healing sessions to a client should we believe providing services to are inappropriate, in the following situations:

  • the client is under the influence of alcohol or mind-altering substances;
  • the client is intimidating or offensive, in a physical or sexual manner, or otherwise;
  • the client behaves in any way which may lead the Emma Vergara / emmavergara.com to feel physically unsafe, disrespected or abused. This also applies to animals that may be aggressive or reactive;
  • in the case of late attendance of the client, Emma Vergara may exercise discretion in refusing treatment;
  • Reiki is requested to avoid necessary medical or veterinary treatment, surgery or medication;
  • red flag symptoms are evident or a notifiable disease is suspected that requires notification;
  • matters are/become evident that must be legally reported

Intellectual Property Rights Emma Vergara and www.emmavergara.com is the owner or the licensee of all Intellectual Property Rights and all other rights in the materials and content used within private sessions or programmes and nothing in this agreement or otherwise shall operate to transfer the ownership of the Intellectual Property Rights in such material or content to you or to any other person. 

You may not at any time copy, reproduce, publish in any form, share, sell, dispose of or otherwise make available to a third party in any way any of the content or materials used in your sessions. You are granted limited, non-exclusive, non-transferable, non-sub licensable revocable licence to use all or any of the content or material used in private sessions or programmes for private personal use, and for the purpose for which the sessions were provided only.

Emma Vergara and emmavergara.com owns all Intellectual Property rights in the products and company branding, as between us and you.

Emma Vergara and emmavergara.com own all present and future rights to intellectual property including inventions and improvements, trade marks (whether registered or common law trademarks), patents, designs, copyright, any corresponding property rights under the laws of any jurisdiction. Emma Vergara and emmavergara.com owns all rights in respect of an invention, discovery, trade secret, secret process, know-how, concept, idea, content, framework, materials, information, process, data, formula, or work product.

Service Requested is Not Time Sensitive. Except in the case where you have purchased an expedited service, you understand and acknowledge that the service you have requested is not urgent and that time is not of the essence. If, however, your inquiry is urgent or time-sensitive, then separate, additional, written arrangements need to be made with Emma Vergara. If no such documented, written arrangements are made on timing of delivery, then you hereby assure us that your request and needs are not time-sensitive.

Refund Policy for Services At www.emmavergara.com we value one-to-one personalised care, supported by spirit. You are requesting a spirituality-based service tendered from experience, specialised knowledge and personalised attention. Thus, our services are non-refundable. All service fulfillments are final. Nonetheless, we at www.emmavergara.com want to ensure that you get the most value from your spiritual experience with us, and so if you have any questions or concerns, please do not hesitate to reach out. We would be more than happy to resolve any concerns you may have.

Refund Policy for Custom-Made Goods. You have specially ordered a custom-made good, which will be hand-crafted and personally prepared by Emma Vergara. Our products and services come from a spiritual point of view and as a spirituality-based product or service, you will be given personal attention and care. As a result, each product we sell is custom-made and considered a custom good. Thus, regrettably they are non-refundable. All fulfillments are final. Nonetheless, we at www.emmavergara.com want to ensure that you glean the most value from your spiritual experience with us, and so if you have any questions or concerns, please do not hesitate to reach out. We would be more than happy to attend to you and see what we can do to resolve any concerns you may have.

Disclosure of Limitations. The spirituality-based services at www.emmavergara.com and by Emma Vergara should never be used in place of professional counselling. Your reading cannot offer legal, medical, business, or financial advice nor does any portion of your reading from Emma Vergara purport to do so. You should not rely on any such spirituality-based service to make any decision that would affect your legal, financial, or medical condition. If your inquiry involves the law, finance, or medicine, then you should seek the advice of a licensed or qualified legal, financial, or medical professional. Also, spirituality-based services by Emma Vergara cannot replace qualified mental health care. A tarot reading can only facilitate how you cope spiritually with a given situation.

It is not possible to guarantee the outcome of any course of treatment nor should healing treatments be used to replace conventional medical treatment.

Video Reading Recordings. Emma Vergara may, at your option, provide video conference consultations or sessions through third party platforms or hosts, such as Skype or Google Hangout. These video sessions may from time to time be recorded. If a video session is recorded, you will be put on notice in advance of the recording. You are entitled to a copy of the video recording, though processing and administrative charges may apply. Before consenting to a video session, please go over any questions or concerns you may have with Emma Vergara. By commencing a video session, you are consenting to the terms herein. Likewise, please be advised that you are not permitted to record video sessions without express, written permission from Emma Vergara. If you would like to record your video session, then please ask before doing so. Reasonable accommodation or arrangements can then be made accordingly.

Confidentiality. Emma Vergara exercises reasonable diligence in maintaining the confidentiality of your sessions and we will not voluntarily, knowingly, intentionally, or wilfully disclose your identity or the contents of your sessions to third parties. However, if Emma Vergara genuinely believes disclosure is required to: (1) prevent imminent harm or risk of harm to yourself or to another, (2) meet any applicable law, regulation, legal process, or governmental request, or (3) protect or defend Emma Vergara against claims or threats of claims, then Emma Vergara reserves the right to do so to the extent reasonably necessary. Please keep in mind that no legally recognised privilege exists between a tarot professional / healer and client the way a privilege might exist between an attorney and client, doctor and patient, husband and wife, or priest and penitent.

Fortune Telling Laws. Pursuant to applicable laws of certain jurisdictions, a person can be guilty of fortune telling, still outlawed in certain places, when for a fee or compensation, that person claims or pretends to tell fortunes, or holds him or herself out as being able, by claimed or pretended use of occult powers, to answer questions or give advice on personal matters or to exorcise, influence, or affect evil spirits or curses, unless otherwise done so explicitly for entertainment purposes only. Any and all services provided by Emma Vergara neither claims nor pretends to tell fortunes and neither claims nor pretends to use occult powers in ways that would run against such laws.

For Entertainment Purposes Only. In certain jurisdictions, the spirituality-based services provided by Emma Vergara would require a clear disclaimer that such services are for entertainment purposes only. Thus, if such a law applies to any sessions between us, then you are hereby on notice that our session is and can only be for entertainment purposes only. Nonetheless, please note that per the faith and personal spiritual practices of Emma Vergara all sessions will comply strictly to the morals and codes outlined by that faith and spiritual practice. In other words, we take our moral obligation to you seriously. Irrespective of the law, we treat our spiritual connection with you with reverence, faith, and integrity.

Reservation of Right. From time to time, as would be ordinary for any business, Emma Vergara may modify the Terms of Service and we reserve the right to do so at our discretion accordingly. The terms your service with us will be bound by will be the terms applicable at the time your service was rendered.

Contact. If you have any questions or concerns about our Terms of Service and company policy, please contact


First Posted: 17/04/2017