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Legal
Last updated: June 2026 · Governed by the laws of Ontario, Canada
These Terms of Service (the "Agreement") constitute a legally binding contract between you ("Client," "you," or "your") and Satya Jyoti ("Company," "we," "us," or "our"), a business operated from the Province of Ontario, Canada. By accessing this website, creating an account, submitting a booking, or purchasing any service, you acknowledge that you have read, understood, and agree to be bound by this Agreement in its entirety. If you do not agree to these terms, you must immediately cease use of this website and our services.
Satya Jyoti provides Vedic methods chart readings and consultations (the "Services") for informational, educational, and personal reflection purposes only. The Services are offered in the nature of spiritual guidance and cultural tradition and do not constitute — and must not be interpreted as — professional advice of any kind, including without limitation medical, psychological, psychiatric, therapeutic, legal, financial, investment, or any other regulated professional service. No practitioner of Satya Jyoti is a licensed physician, psychologist, lawyer, financial advisor, or regulated health or legal professional. Accordingly, no content, guidance, interpretation, or recommendation provided through our Services should be used as a substitute for consultation with a qualified professional in any regulated field. You acknowledge and agree that all decisions you make in reliance upon, or in connection with, any reading or consultation are made entirely at your own risk and sole discretion. The Company expressly disclaims any responsibility or liability for any action taken or not taken based on the content of a reading or consultation.
The Services are available exclusively to individuals who are eighteen (18) years of age or older. By submitting a booking or purchase, you represent and warrant that: (a) you are at least 18 years of age; (b) you have the legal capacity to enter into this Agreement; (c) you are accessing the Services for personal, non-commercial purposes; and (d) all information you provide is accurate, complete, and current. For residents of the Province of Quebec: consistent with section 4.1 of the Act respecting the protection of personal information in the private sector (RLRQ, c. P-39.1), as amended by Law 25, individuals under the age of fourteen (14) may not use the Services without the express verifiable consent of a parent or legal guardian. Individuals aged fourteen (14) to seventeen (17) who are Quebec residents may provide their own consent to the collection of their personal information and to use of the Services, in accordance with section 4.1 of the Quebec Act. The Services are available to clients located in Canada and internationally, subject to applicable local laws. It is your responsibility to ensure that use of our Services is lawful in your jurisdiction.
The Company reserves the right, in its sole and absolute discretion and without obligation to provide any reason, explanation, or justification, to decline to provide, suspend, or discontinue Services to any individual at any time. This right is exercised on a case-by-case basis and may be invoked where the Company determines, in good faith, that providing Services would not be appropriate, compatible, or in alignment with the values and nature of our practice. Such determination shall not constitute discrimination on any ground protected under the Ontario Human Rights Code, the Canadian Human Rights Act, or any other applicable legislation. Where Services are declined or discontinued prior to delivery, any amounts paid in respect of undelivered Services shall be refunded in accordance with Section 5 of this Agreement.
All Services must be paid in full at the time of booking. Prices are listed in Canadian dollars (CAD) and are inclusive of applicable taxes where required by law. Payment is processed securely through Stripe, Inc., a third-party payment processor. By providing payment information, you agree to Stripe's Terms of Service and Privacy Policy. The core Service is the written Vedic Chart Reading, a single, standalone transaction. Clients may separately choose to book an optional Live Consultation Call after receiving their reading. Each of these is a separate and independent transaction. Completion of or payment for the Reading creates no obligation, entitlement, or right to the Live Consultation Call, and does not constitute a service package unless explicitly stated in writing by the Company. Consent to the collection of personal information (including sensitive astrological data) required to perform the Services is obtained separately from acceptance of this Agreement and from payment, as required by section 9 of the Act respecting the protection of personal information in the private sector (RLRQ, c. P-39.1) (the "Quebec Act"), as amended by Law 25. Acceptance of these Terms does not constitute consent to any particular use of your personal information beyond what is disclosed in our Privacy Policy. The Company reserves the right to adjust pricing at any time. Any price change will not apply to bookings already confirmed at the time of purchase.
All sales are final. Once the Company has commenced preparation of a reading — including, without limitation, the casting of the birth chart or any portion of the analysis — the purchase is deemed non-refundable. If you wish to cancel prior to commencement of work, you must notify us in writing at support@satyajyoti.com within twenty-four (24) hours of the time of payment. Refund requests received within this window will be considered at the Company's sole discretion. No refund shall be issued after the 24-hour window has elapsed, regardless of whether the completed reading has been delivered. In the event the Company exercises its right under Section 3 to decline or discontinue Services prior to delivery, a full refund of any amounts paid for undelivered Services will be issued within ten (10) business days. Chargebacks or payment disputes initiated through your financial institution without first contacting the Company constitute a breach of this Agreement and may result in the permanent suspension of your account and access to our Services.
Step 1 readings are targeted for delivery within ten (10) business days from the date of confirmed payment. Live call appointments (Step 3) are scheduled by mutual agreement between the Company and the Client at a time of availability. All timelines communicated by the Company are good-faith estimates only and do not constitute a guaranteed delivery date. The Company shall not be in breach of this Agreement for delays in delivery caused by circumstances beyond its reasonable control, including without limitation illness, family emergency, natural disaster, technical failure, internet outage, or any other event constituting force majeure. In the event of a material delay, the Company will notify you by email and make reasonable efforts to provide an updated timeline.
All personal information and content you share with the Company — including without limitation birth details, answers to reflective questions, consultation notes, and any other communications — is held in strict confidence. The Company will not disclose your personal information to any third party except: (a) as required by applicable Canadian law; (b) pursuant to a lawful court order, subpoena, or regulatory demand; or (c) with your prior written consent. The confidentiality obligations in this section survive the termination or expiry of this Agreement.
All content created and delivered by the Company, including without limitation written readings, audio recordings, charts, interpretations, and any other materials (collectively, "Deliverables"), are the intellectual property of Satya Jyoti and are protected under the Copyright Act (Canada) and applicable international copyright law. Deliverables are licensed to you for your personal, non-commercial use only. You may not reproduce, copy, distribute, publish, sell, sublicense, broadcast, upload to any platform, or create derivative works from any Deliverables without the prior express written consent of the Company. Unauthorized use constitutes copyright infringement and may expose you to civil and criminal liability. The Satya Jyoti name, logo, and associated branding are the exclusive property of the Company. You may not use them without prior written permission.
THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT REPRESENTATION, WARRANTY, OR CONDITION OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE CANADIAN LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. The Company makes no representations or warranties regarding the accuracy, completeness, reliability, timeliness, or suitability of any reading or consultation for any purpose. The methods used are traditional interpretive arts and not a predictive science. Outcomes, events, or circumstances referenced in a reading are not guaranteed.
TO THE MAXIMUM EXTENT PERMITTED BY THE LAWS OF ONTARIO AND CANADA, THE COMPANY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM, LOSS, DAMAGE, OR EXPENSE OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, THE SERVICES, OR THE DELIVERABLES — WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY — SHALL BE LIMITED TO THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO THE COMPANY FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM. IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY: (I) INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES; (II) LOSS OF PROFITS, REVENUE, DATA, BUSINESS, GOODWILL, OR ANTICIPATED SAVINGS; OR (III) PERSONAL, EMOTIONAL, OR PSYCHOLOGICAL HARM ARISING FROM RELIANCE ON A READING OR CONSULTATION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME PROVINCES DO NOT PERMIT THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY. WHERE SUCH RESTRICTIONS APPLY UNDER MANDATORY CONSUMER PROTECTION LEGISLATION, INCLUDING THE ONTARIO CONSUMER PROTECTION ACT, 2002, THE ABOVE LIMITATIONS APPLY ONLY TO THE EXTENT PERMITTED BY LAW.
You agree to indemnify, defend, and hold harmless the Company, its owners, employees, contractors, and representatives from and against any and all claims, damages, liabilities, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of or inability to use the Services; (b) your breach of this Agreement; (c) your violation of any applicable law or the rights of a third party; or (d) any content or information you submit to the Company that is false, inaccurate, or misleading.
By providing your email address, you consent to receiving transactional communications from the Company related to your bookings, readings, and account. The Company will not send commercial electronic messages without your express or implied consent as defined under Canada's Anti-Spam Legislation (CASL), S.C. 2010, c. 23. You may withdraw your consent to commercial communications at any time by contacting support@satyajyoti.com, and we will honour your request within ten (10) business days. Withdrawal of consent from commercial messages does not affect the delivery of transactional or service-related communications.
This Agreement and all matters arising out of or relating to it shall be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles, subject to the Quebec-specific provisions set out in Section 19 below. In the event of a dispute, the parties agree to first attempt resolution in good faith through direct communication for a period of thirty (30) days from the date on which either party notifies the other of the dispute in writing. If the dispute cannot be resolved informally within that period, either party may submit the matter to binding arbitration administered by the ADR Institute of Ontario in accordance with its Arbitration Rules, as modified herein. The arbitration shall be conducted in English in Toronto, Ontario, unless otherwise agreed in writing by both parties. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. Notwithstanding the foregoing arbitration clause, the Company expressly reserves the right to seek injunctive, declaratory, or other equitable relief from a court of competent jurisdiction to protect its intellectual property rights, confidential information, or to prevent irreparable harm, without waiving any right to arbitration for other matters. If you are a resident of a Canadian province other than Ontario or Quebec, the mandatory consumer protection laws of your province may apply in addition to or in lieu of certain provisions of this Agreement, to the extent required by law. Quebec residents: please refer to Section 19 of this Agreement, which governs dispute resolution, language rights, and consumer protection obligations specific to Quebec residents. In the event of a conflict between Section 13 and Section 19, Section 19 shall prevail for Quebec residents.
The Company shall not be liable for any failure or delay in performing its obligations under this Agreement to the extent that such failure or delay is caused by circumstances beyond the Company's reasonable control, including without limitation acts of God, pandemic, public health emergency, natural disaster, government action or restriction, war, civil unrest, fire, flood, power outage, internet or telecommunications failure, or any other event constituting force majeure. In such circumstances, the Company's obligations are suspended for the duration of the force majeure event.
If any provision of this Agreement is found by a court or arbitrator of competent jurisdiction to be invalid, unenforceable, or contrary to applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, and the remaining provisions shall continue in full force and effect. The failure of the Company to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of that right or provision.
This Agreement, together with the Privacy Policy incorporated herein by reference, constitutes the entire agreement between you and the Company with respect to its subject matter and supersedes all prior or contemporaneous agreements, understandings, negotiations, and representations, whether written or oral. No amendment to this Agreement shall be effective unless made in writing and posted on this website.
The Company reserves the right to modify or update this Agreement at any time. Any changes will be posted on this page with an updated effective date. It is your responsibility to review these terms periodically. Your continued use of the Services following the posting of changes constitutes your acceptance of the revised Agreement. If you do not agree to the updated terms, you must discontinue use of the Services.
For questions, concerns, or notices under this Agreement, please contact us at: Satya Jyoti Email: support@satyajyoti.com We will endeavour to respond to all inquiries within five (5) business days.
The provisions of this Section 19 apply exclusively to clients who are residents of the Province of Quebec and, to the extent of any conflict with any other provision of this Agreement, shall prevail for Quebec residents. 19.1 Language Rights (Charter of the French Language / Bill 96) Pursuant to the Charter of the French Language, RLRQ, c. C-11, as amended by An Act respecting French, the official and common language of Québec (Bill 96, S.Q. 2022, c. 14), Quebec consumers have the right to receive contracts and related documents in the French language. If you are a Quebec resident and you have elected to receive this Agreement in English, you acknowledge that you have expressly requested and consented to receive this Agreement and all related documents in English: "I have requested that this contract and all related documents be drawn up in English. / J'ai demandé que ce contrat et tous les documents s'y rattachant soient rédigés en anglais." The Company will provide a French version of this Agreement upon written request to support@satyajyoti.com within five (5) business days at no charge. 19.2 Consumer Protection Act (Quebec) Notwithstanding any other provision of this Agreement, your rights as a consumer under the Consumer Protection Act (Loi sur la protection du consommateur, RLRQ, c. P-40.1) (the "Quebec CPA") are expressly preserved. No provision of this Agreement operates to waive, limit, or derogate from any right conferred on you by the Quebec CPA. To the extent any provision of this Agreement is inconsistent with the Quebec CPA, the Quebec CPA shall prevail. Without limiting the generality of the foregoing, Quebec consumers may, pursuant to sections 11.1 and 11.2 of the Quebec CPA, bring proceedings before the courts of Quebec in respect of disputes arising under this Agreement, and the arbitration clause in Section 13 does not deprive you of this right. Consumer disputes involving amounts within the jurisdiction of the Small Claims Division of the Court of Québec may be brought before that court at your election. 19.3 Privacy Rights Under Law 25 Quebec residents hold the full complement of privacy rights set out in Section 9 of the Privacy Policy and in the Act respecting the protection of personal information in the private sector (RLRQ, c. P-39.1), as amended by Law 25, including without limitation: the right to data portability (s. 28, in force September 22, 2023); the right to de-indexing (s. 28.1, in force September 22, 2023); the right to erasure and destruction (s. 28); the right to information regarding automated decisions (s. 12.1); and the right to lodge a complaint with the Commission d'accès à l'information du Québec (CAI) at www.cai.gouv.qc.ca. Consent to the collection and use of personal information is not, and shall not be construed as, bundled with acceptance of these Terms of Service. Consent to each specific purpose of collection is obtained separately, in a manifest, free, and enlightened manner, as required by section 9 of the Quebec Act. 19.4 Penalties for Non-Compliance with Law 25 For information only: the Company is aware that violations of the Quebec Act may result in administrative monetary penalties of up to $10,000,000 CAD (ten million Canadian dollars) or an amount corresponding to 2% of worldwide turnover, whichever is greater, and penal fines of up to $25,000,000 CAD (twenty-five million Canadian dollars) or 4% of worldwide turnover, whichever is greater. Our compliance with Law 25 is not merely aspirational — it is actively enforced within our organization. 19.5 Contact for Quebec-Specific Privacy Matters For privacy rights requests, de-indexing requests, portability requests, or complaints under the Quebec Act, Quebec residents may contact: Satya Jyoti — Privacy Officer: support@satyajyoti.com Commission d'accès à l'information du Québec (CAI): 1-888-528-7741 | www.cai.gouv.qc.ca