Terms & Conditions


            These Terms and Conditions, together with any and all other documents referred to herein, set out the terms of use under which you may use this website, www.deborahmonshin.com (“My Site”).  Please read these Terms and Conditions carefully and ensure that you understand them.  Your agreement to comply with and be bound by these Terms and Conditions is deemed to occur upon your first use of My Site.  If you do not agree to comply with and be bound by these Terms and Conditions, you must stop using My Site immediately.

  1. Definitions and Interpretation
    1. In these Terms and Conditions, unless the context otherwise requires, the following expressions have the following meanings:
“Content”means any and all text, images, audio, video, scripts, code, software, databases and any other form of information capable of being stored on a computer that appears on, or forms part of, My Site; and
“My/Me/I”means Deborah Monshin / Golden Bough whose registered address is Windermere, Cumbria
“Reading”Card reading and emailed report carried out using Tarot or oracle cards.
  1. Information About Me
    1. My Site, www.deborahmonshin.com, is owned and operated by Deborah Monshin whose registered address is in Windermere, Cumbria.
  1. Access to My Site
    1. Access to My Site is free of charge.
    2. It is your responsibility to make any and all arrangements necessary in order to access My Site.
    3. Access to My Site is provided “as is” and on an “as available” basis.   I may alter, suspend or discontinue My Site (or any part of it) at any time and without notice.   I will not be liable to you in any way if My Site (or any part of it) is unavailable at any time and for any period.
  1. Goods, Pricing, and Availability
    1. I make all reasonable efforts to ensure that all descriptions and graphical representations of Goods and services available from me correspond to the actual Goods.  Please note, however, the following:
      1. Images of Goods are for illustrative purposes only.  There may be slight variations in colour between the image of a product and the actual product sold due to differences in computer displays and lighting conditions;
      2. Images and/or descriptions of packaging are for illustrative purposes only, the actual packaging of Goods or service may vary.
    2.  Delivery charges are listed on the site.  For more information on delivery charges, please refer to each product description.  Delivery options and related charges will be presented to you as part of the order process.
  1. Orders
    1. Readings – Can be requested using the PayPal button – order can be completed on PayPal.com or via STRIPE
      1. You can choose to have a live reading via Facebook or Zoom, or via a telephone call, at your cost.
    1. Books – some books are available from the site these can be ordered using PayPal button and order completed on www.paypal.com. Or STRIPE
      1. Books will be dispatched within 3 working days of receipt of payment and posted via Royal Mail 2nd class post.
    2. Gift Vouchers – These are E-vouchers and are available in denominations of £10/20/25 UK sterling only. They will be emailed within 3 working days. No returns/refunds/exchanges. No change will be given.
  1. Cancelling and Returning Goods if You Change Your Mind
    1. Readings – Once a reading has been requested, it may only be cancelled if it has not already been started.  If you wish you cancel please email me immediately on dmonshin@gmail.com
    2. Books- If you are a consumer in the European Union, you have a legal right to a “cooling-off” period of 14 days within which you can cancel the Contract for any reason.  This period begins once your order is complete and I have sent you your Order Confirmation. – This doesn’t include signed copies of books – which cannot be cancelled or returned once posted.
    3. Returns of books (from online orders) of unopened re-saleable items are accepted within 14 days from date of your order is delivered. 
    4. If you wish to exercise your right to cancel under this Clause 6, you must inform me via dmonshin@gmail.com or your decision.
    5. Customers must arrange (at their own expense) to return the goods in saleable condition to and address which will be provided when they contact me above as soon as possible and with 14days of notifying Me of the cancelled order.
    6. Refunds under this Clause 6 will be issued to you within 14 calendar days of me receiving the book(s) back.
    7. Refunds under this Clause 6 will be made using the same payment method that you used when ordering the Goods.
  1. Payment
    1. Payment for Goods and Readings must always be made in advance
    2. Payment can be made via Paypal.com or STRIPE. Or BACS by prior arrangement
  1. Intellectual Property Rights
    1. All Content included on My Site and the copyright and other intellectual property rights subsisting in that Content, unless specifically labelled otherwise, belongs to or has been licensed by me.  All Content is protected by applicable United Kingdom and international intellectual property laws and treaties.
    2. Subject to sub-Clauses 8.3 and 8.6 you may not reproduce, copy, distribute, sell, rent, sub-licence, store, or in any other manner re-use Content from My Site unless given express written permission to do so by me.
    3. You may:
      1. Access, view and use My Site in a web browser (including any web browsing capability built into other types of software or app);
      2. Download My Site (or any part of it) for caching;
      3. Print one copy of any page from My Site;
      4. Download extracts from pages on My Site; and
      5. Save pages from My Site for later and/or offline viewing.
    4. My status as the owner and author of the Content on My Site (or that of identified licensors, as appropriate) must always be acknowledged.
    5. You may not use any Content saved or downloaded from My Site for commercial purposes without first obtaining a licence from Me (or My licensors, as appropriate) to do so.  This does not prohibit the normal access, viewing and use of My Site for general information purposes whether by business users or consumers.
    6. Nothing in these Terms and Conditions limits or excludes the provisions of Chapter III of the Copyrights, Designs and Patents Act 1988 ‘Acts Permitted in Relation to Copyright Works’, covering in particular the making of temporary copies; research and private study; the making of copies for text and data analysis for non-commercial research; criticism, review, quotation and news reporting; caricature, parody or pastiche; and the incidental inclusion of copyright material.
  1. Links to My Site
    1. You may link to My Site provided that:
      1. You do so in a fair and legal manner;
      2. You do not do so in a manner that suggests any form of association, endorsement or approval on My part where none exists;
      3. You do not use any logos or trademarks displayed on My Site without My express written permission; and
      4. You do not do so in a way that is calculated to damage my reputation or to take unfair advantage of it.
    2. You may link to any page of My Site.
    3. Framing or embedding of My Site on other websites is not permitted without my express written permission.  Please contact me at dmonshin@gmail.com for further information.
    4. You may not link to My Site from any other site the main content of which contains material that:
      1. is sexually explicit;
      2. is obscene, deliberately offensive, hateful or otherwise inflammatory;
      3. promotes violence;
      4. promotes or assists in any form of unlawful activity;
      5. discriminates against, or is in any way defamatory of, any person, group or class of persons, race, sex, religion, nationality, disability, sexual orientation, or age;
      6. is intended or is otherwise likely to threaten, harass, annoy, alarm, inconvenience, upset, or embarrass another person;
      7. is calculated or is otherwise likely to deceive another person;
      8. is intended or otherwise likely to infringe (or threaten to infringe) another person’s right to privacy;
      9. misleadingly impersonates any person or otherwise misrepresents the identity or affiliation of a particular person in a way that is calculated to deceive;
      10. implies any form of affiliation with Me where none exists;
      11. infringes, or assists in the infringement of, the intellectual property rights (including, but not limited to, copyright, trademarks and database rights) of any other party; or
      12. is made in breach of any legal duty owed to a third party including, but not limited to, contractual duties and duties of confidence.
  1. Links to Other Sites
    1. Links to other sites may be included on My Site.  Unless expressly stated, these sites are not under my control.   I neither assume nor accept responsibility or liability for the content of third party sites.  The inclusion of a link to another site on My Site is for information only and does not imply any endorsement of the sites themselves or of those in control of them.
  1. Disclaimers
    1. In accordance with the law in several countries, I must point out that all tarot readings given here are for entertainment purposes only, and no guarantee can be given as to the accuracy of a reading.
    2. Nothing on My Site constitutes advice on which you should rely.  It is provided for general information purposes only.  Professional or specialist advice should always be sought before taking any action relating to information given in a reading.
    3. Insofar as is permitted by law,  I make no representation, warranty, or guarantee that My Site will meet your requirements, that it will not infringe the rights of third parties, that it will be compatible with all software and hardware, or that it will be secure.
    4.  I make reasonable efforts to ensure that the Content on My Site is complete, accurate, and up-to-date.   I do not, however, make any representations, warranties or guarantees (whether express or implied) that the Content is complete, accurate, or up-to-date.
  1. My Liability
    1. To the fullest extent permissible by law, I accept no liability to any user for any loss or damage, whether foreseeable or otherwise, in contract, tort (including negligence), for breach of statutory duty, or otherwise, arising out of or in connection with the use of (or inability to use) My Site or the use of or reliance upon any Content included on My Site.
    2. To the fullest extent permissible by law, I exclude all representations, warranties, and guarantees (whether express or implied) that may apply to My Site or any Content included on My Site.
    3. My Site is intended for non-commercial use only.  If you are a business user, I accept no liability for loss of profits, sales, business or revenue; loss of business opportunity, goodwill or reputation; loss of anticipated savings; business interruption; or for any indirect or consequential loss or damage.
    4.  I exercise all reasonable skill and care to ensure that My Site is free from viruses and other malware.   I accept no liability for any loss or damage resulting from a virus or other malware, a distributed denial of service attack, or other harmful material or event that may adversely affect your hardware, software, data or other material that occurs as a result of your use of My Site (including the downloading of any Content from it) or any other site referred to on My Site.
    5.  I neither assume nor accept responsibility or liability arising out of any disruption or non-availability of My Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, natural events, acts of war, or legal restrictions and censorship.
    6. Nothing in these Terms and Conditions excludes or restricts my liability for fraud or fraudulent misrepresentation, for death or personal injury resulting from negligence, or for any other forms of liability which cannot be excluded or restricted by law.  For full details of consumers’ legal rights, including those relating to digital content, please contact your local Citizens’ Advice Bureau or Trading Standards Office.
  1. Viruses, Malware and Security
    1.  I exercise all reasonable skill and care to ensure that My Site is secure and free from viruses and other malware.
    2. You are responsible for protecting your hardware, software, data and other material from viruses, malware, and other internet security risks.
    3. You must not deliberately introduce viruses or other malware, or any other material which is malicious or technologically harmful either to or via My Site.
    4. You must not attempt to gain unauthorised access to any part of My Site, the server on which My Site is stored, or any other server, computer, or database connected to My Site.
    5. You must not attack My Site by means of a denial of service attack, a distributed denial of service attack, or by any other means.
    6. By breaching the provisions of sub-Clauses 13 you may be committing a criminal offence under the Computer Misuse Act 1990.  Any and all such breaches will be reported to the relevant law enforcement authorities and I will cooperate fully with those authorities by disclosing your identity to them.  Your right to use My Site will cease immediately in the event of such a breach.
  1. Acceptable Usage Policy
    1. You may only use My Site in a manner that is lawful.  Specifically:
      1. you must ensure that you comply fully with any and all local, national or international laws and/or regulations;
      2. you must not use My Site in any way, or for any purpose, that is unlawful or fraudulent;
      3. you must not use My Site to knowingly send, upload, or in any other way transmit data that contains any form of virus or other malware, or any other code designed to adversely affect computer hardware, software, or data of any kind; and
      4. You must not use My Site in any way, or for any purpose, that is intended to harm any person or persons in any way.
    2.  I reserve the right to suspend or terminate your access to My Site if you materially breach the provisions of this Clause 14 or any of the other provisions of these Terms and Conditions.  Specifically,  I may take one or more of the following actions:
      1. suspend, whether temporarily or permanently, your right to access My Site;
      2. issue you with a written warning;
      3. take legal proceedings against you for reimbursement of any and all relevant costs on an indemnity basis resulting from your breach;
      4. take further legal action against you as appropriate;
      5. disclose such information to law enforcement authorities as required or as  I deem reasonably necessary; and/or
      6. Any other actions which I deem reasonably appropriate (and lawful).
    3.  I hereby exclude any and all liability arising out of any actions (including, but not limited to those set out above) that I may take in response to breaches of these Terms and Conditions.
  1. Privacy and Cookies
    1. Use of My Site is also governed by My Privacy Policy and Cookie Policy.  These policies are incorporated into these Terms and Conditions by this reference.
  1. Changes to these Terms and Conditions
    1.  I may alter these Terms and Conditions at any time.  If I do so, details of the changes will be highlighted at the top of this page.  Any such changes will become binding on you upon your first use of My Site after the changes have been implemented.  You are therefore advised to check this page from time to time.
    2. In the event of any conflict between the current version of these Terms and Conditions and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.
  1. Contacting me
    1. To contact me, please email me at dmonshin@gmail.com or using any of the methods provided on my contact page.
  1. Communications from me
    1. If I have your contact details, I may from time to time send you important notices by email.  Such notices may relate to matters including, but not limited to, service changes and changes to these Terms and Conditions.
    2.  I will never send you marketing emails of any kind without your express consent.  If you do give such consent, you may opt-out at any time.  Any and all marketing emails sent by me include an unsubscribe link. 
    3. For questions or complaints about communications from me (including, but not limited to marketing emails), please contact me at dmonshin@gmail.com or using any of the methods provided on my contact page.
  1. Data Protection
    1. All personal information that I may use will be collected, processed, and held in accordance with the provisions of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”) and your rights under the GDPR.
      1. For complete details of My collection, processing, storage, and retention of personal data including, but not limited to, the purpose(s) for which personal data is used, the legal basis or bases for using it, details of your rights and how to exercise them, and personal data sharing (where applicable), please refer to My Privacy Policy and Cookie Policy
  1. Law and Jurisdiction
    1. These Terms and Conditions, and the relationship between you and me (whether contractual or otherwise) shall be governed by, and construed in accordance with the law of England & Wales.
    2. If you are a consumer, you will benefit from any mandatory provisions of the law in your country of residence. Nothing in Sub-Clause 16.1 above takes away or reduces your rights as a consumer to rely on those provisions.
    3. If you are a consumer, any dispute, controversy, proceedings or claim between you and Me relating to these Terms and Conditions, or the relationship between you and Me (whether contractual or otherwise) shall be subject to the jurisdiction of the courts of England, Wales, Scotland, or Northern Ireland, as determined by your residency.