Effective Date: October 9, 2026
These Terms of Use (the "Terms") form a legally binding agreement between you and Visionary Mind Limited ("PsycheLink," "we," "us," or "our") concerning your access to and use of the PsycheLink iOS application (the "App") and the services made available through it (collectively, the "Services").
Please read these Terms carefully. By creating an account, purchasing or using Diamonds, communicating with an Advisor, or otherwise accessing or using the Services, you agree to these Terms. If you do not agree, do not use the App or the Services.
These Terms contain an agreement to resolve disputes through individual arbitration administered by the Hong Kong International Arbitration Centre. They also contain a waiver of class, collective, and representative proceedings. See Governing Law and Dispute Resolution below.
1. Eligibility and Adult-Only Service
You must be at least 18 years old and legally able to enter into a binding agreement to create an account, access or use the Services, purchase Diamonds, or communicate with an Advisor.
By using PsycheLink, you represent that you meet these requirements and that applicable law does not prohibit your use. We may request information reasonably necessary to confirm your age, identity, account, or payment method. If we reasonably believe that a user is under the required age, we may restrict or terminate the account and take appropriate steps concerning associated information.
2. What PsycheLink Provides
PsycheLink offers technology that enables users to discover independent Advisors, communicate with them, and pay for consultations. PsycheLink does not itself provide psychic readings or other substantive advisory services.
Advisors are independent service providers. They are not employees, agents, representatives, partners, or joint venturers of Visionary Mind Limited. PsycheLink does not direct the substance of an Advisor's reading and does not promise that an Advisor has a particular qualification, background, experience, license, ability, or perspective.
Profiles, categories, reviews, badges, or other information displayed in the App are provided to help users make their own choices. They are not endorsements, warranties, or guarantees by PsycheLink. You are responsible for deciding whether an Advisor and a consultation are appropriate for you.
The Services, including all readings, interpretations, predictions, messages, and consultations, are offered for entertainment and general informational purposes. They are not a substitute for advice or services from a qualified medical, mental-health, legal, financial, tax, investment, or other licensed professional.
Do not use PsycheLink to obtain a medical diagnosis, treatment plan, prescription, legal opinion, securities recommendation, investment instruction, or emergency assistance. Do not delay or disregard professional advice because of anything communicated through the App.
If you believe that you may harm yourself or another person, or if you are experiencing a medical or other emergency, stop using the App for that purpose and contact the appropriate local emergency service or a qualified professional immediately.
Neither PsycheLink nor an Advisor guarantees that a prediction will be accurate or that a desired personal, professional, relationship, financial, health, or other result will occur. Your decisions and reliance on information received through the Services are your responsibility.
4. Human Advisors and Automated Technologies
Personalized readings and substantive consultations offered through the App are delivered by human Advisors. PsycheLink may use artificial intelligence and other automated technologies to support routing, request handling, safety, compliance, fraud prevention, customer support, quality assurance, product improvement, and summaries or labels relating to consultations.
Consultation content may be stored as described in the PsycheLink Privacy Policy. This does not represent that voice or video consultations are automatically recorded or transcribed. Information that you voluntarily share, including sensitive personal information, may appear in consultation records or automated outputs.
Automated outputs can contain errors, omissions, or outdated information. They may not be treated as professional advice or relied on without appropriate independent verification.
5. Accounts and Credentials
You must provide information that is accurate, current, and complete when requested and must update it when necessary. You may not impersonate another person, create an account using information you are not authorized to use, or misrepresent your age, identity, affiliation, or payment authority.
You are responsible for protecting your password, device, social-login credentials, and other account-access information. You are responsible for activity occurring through your account unless applicable law provides otherwise. Notify us promptly if you suspect unauthorized access or use.
You may not sell, transfer, lend, or share your account. We may require verification before permitting sensitive account actions, processing a request, restoring access, or continuing to provide the Services.
You may use the App as a guest or sign in with email or Sign in with Apple where available. A guest account may be restored on the original device after reinstalling the App, but access is not guaranteed across devices. An eligible email- or Apple-linked account can restore associated Diamonds, orders, and consultation records after sign-in on another supported device.
6. Prices, Purchases, and Payment Authorization
Prices, Advisor rates, charging units, applicable taxes, and any rounding method will be displayed before you complete a purchase or begin a paid consultation. By proceeding, you agree to the displayed terms and authorize the applicable charge or Diamond deduction.
In the iOS App, all Diamonds, paid consultations, and other digital content or services are purchased only through Apple In-App Purchase. The iOS App does not offer an external payment link, direct card entry, or another payment method for those purchases. Apple processes iOS payments and may provide transaction information to PsycheLink as necessary to verify and support the purchase.
You may use only a payment method you are legally authorized to use. You agree to provide accurate payment and billing information and to pay valid charges incurred through your account.
PsycheLink does not offer an automatically renewing subscription as of the Effective Date. Current purchases are one-time transactions, Diamond top-ups, or charges for individual Services. If a recurring offering is introduced, its price, renewal terms, and cancellation method will be disclosed separately before enrollment.
7. Diamonds
"Diamonds" are virtual credits that may be used only for eligible Services within the App. Diamonds are not legal tender, a bank deposit, an investment, or a transferable property right. They cannot be sold, transferred, redeemed, or exchanged outside the App except where applicable law requires otherwise.
Diamonds do not expire while an eligible account remains open. PsycheLink does not charge an inactivity or account-maintenance fee.
Purchased but unused Diamonds are generally not refundable to the original payment method. Exceptions may apply where required by law or a mandatory payment-channel rule, or in connection with duplicate billing, an unauthorized transaction, or another compulsory remedy.
PsycheLink may freeze, reverse, or adjust Diamonds that are connected to a refund, payment reversal, chargeback, fraud, technical error, promotional error, account-security investigation, or legal requirement. We will not remove properly acquired Diamonds arbitrarily.
If you voluntarily close your account, or if PsycheLink terminates it under these Terms, unused Diamonds will be removed and cannot be restored. This does not limit a remedy required by applicable law or, for an iOS purchase, a refund process handled by Apple.
8. Payment Failures, Fraud, and Chargebacks
If a payment fails, appears unauthorized or unusual, presents a fraud risk, or becomes subject to excessive disputes or chargebacks, PsycheLink may decline or pause the transaction, freeze related Diamonds, request identity or payment verification, restrict App functions, or suspend or close the account.
We do not claim a general right under these Terms to charge a different stored card automatically. You remain responsible for valid charges incurred before an account restriction or closure.
You may exercise a lawful right to dispute an unauthorized, duplicate, or incorrect charge. You must not knowingly characterize an authorized purchase as unauthorized or attempt to retain both a payment reversal and the Diamonds or Services associated with the same transaction.
9. Refunds and Service Credits
Apple handles payment and refund requests for iOS purchases under Apple's own policies. PsycheLink does not directly process an iOS purchase refund or issue a substitute Diamond credit in place of Apple. You may report a service, technical, or Advisor concern through the App for support and review.
These limits do not prevent correction of duplicate billing, investigation of an unauthorized transaction, or a remedy required by applicable law or a mandatory payment-channel rule.
10. Acceptable Use
You may use the Services only for lawful, personal purposes and in accordance with these Terms. You must not:
- violate a law, regulation, court order, or third-party right;
- threaten, harass, stalk, abuse, exploit, discriminate against, or impersonate another person;
- submit content that is unlawful, defamatory, obscene, deceptive, hateful, invasive of privacy, or infringing;
- request, exchange, or publish an Advisor's or another user's private contact information;
- solicit or arrange off-platform communication, payment, or services with an Advisor discovered through PsycheLink;
- record, copy, publish, or distribute a consultation without all permissions required by PsycheLink and applicable law;
- manipulate reviews, ratings, promotions, refunds, payment systems, or account controls;
- introduce malware, automated scraping, unauthorized bots, or harmful code;
- interfere with, overload, probe, reverse engineer, circumvent, or gain unauthorized access to the App, an account, or associated systems;
- use the Services to provide or request prohibited professional, emergency, fraudulent, or illegal services; or
- encourage another person to do any of the above.
We may investigate suspected violations and take proportionate action, including removing content, restricting features, preserving evidence, suspending transactions, or terminating an account.
11. Communications and Consultation Records
The App may enable text, voice, or video communication. PsycheLink may store and review consultation content for service delivery, payment, customer support, safety, compliance, fraud prevention, quality assurance, dispute review, and disclosed AI-supported functions. The App does not represent that voice or video consultations are automatically recorded or transcribed.
Do not disclose information that you do not want handled in accordance with the Privacy Policy. In particular, consider carefully before sharing government identifiers, complete financial credentials, precise home or work locations, medical details, or information about another person.
You may not assume that an Advisor is subject to a professional privilege or confidentiality duty that applies to doctors, lawyers, therapists, accountants, or other licensed professionals.
12. User Content
You retain ownership of content you lawfully submit, subject to the licenses necessary to operate the Services. You represent that you have the rights and permissions needed to submit that content and that its use under these Terms will not violate another person's rights.
For public content, such as a nickname, profile image, review, or public post, you grant PsycheLink a worldwide, royalty-free, sublicensable license to host, reproduce, format, display, distribute, and use the content as reasonably necessary to operate, improve, present, and promote PsycheLink.
Private consultation content is treated differently. PsycheLink may process it only for service delivery, payment, customer support, safety, compliance, quality assurance, fraud prevention, dispute handling, and AI-supported functions disclosed in the Privacy Policy. We will not publicly use private consultation content in advertising without your explicit permission.
The license for public content ends when the content is deleted or the account is closed, except to the limited extent that retention is required by applicable law or that information has been lawfully anonymized.
We may remove or restrict content that violates these Terms or presents a legal, safety, or operational risk.
13. PsycheLink Intellectual Property
The App, its software, design, graphics, text, interfaces, features, trademarks, and other original materials are owned by or licensed to Visionary Mind Limited and are protected by applicable intellectual-property laws.
Subject to these Terms, PsycheLink grants you a limited, personal, revocable, non-exclusive, non-transferable license to install and use the iOS App for its intended purpose. No ownership interest is transferred to you.
Except as permitted by law or with prior written authorization, you may not copy, modify, distribute, sell, license, create derivative works from, decompile, disassemble, reverse engineer, or exploit the App or proprietary content.
14. Third-Party Services and Links
The App may interact with social-login providers, payment providers, cloud providers, AI providers, or external links. Third parties may apply their own terms and privacy notices to their services.
PsycheLink does not control and is not responsible for the availability, content, security, policies, or conduct of an independent third-party service. A link or integration does not constitute an endorsement.
15. Suspension and Termination
You may stop using the App at any time and may delete your account through available App functions or contact us for support. Account deletion removes the associated account information, consultation content, order records, and remaining Diamond balance; those items cannot be restored. We do not retain deleted-account information except where retention is required by applicable law.
PsycheLink may restrict, suspend, or terminate access when reasonably necessary to address a Terms violation, safety issue, fraud risk, payment problem, legal requirement, system security concern, repeated abuse, or conduct that may harm another person, an Advisor, PsycheLink, or the Services.
Where appropriate, we may investigate before making a final decision. Immediate action may be taken when delay could expose a person or the Services to material risk.
Provisions that by their nature should continue after termination—including payment obligations, ownership, licenses needed for retained materials, disclaimers, liability limitations, indemnity, and dispute resolution—will survive.
16. Changes to the Services or Terms
We may change, suspend, or discontinue features of the App and may revise these Terms to reflect changes in the Services, law, security, or business practices. The revised Terms will be made available in the App with an updated effective date.
Material changes may also be communicated through a prominent in-App notice, account message, or another available contact channel. Where permitted by law, continued use after revised Terms take effect constitutes acceptance. Where fresh consent is legally required, we will request it.
A change to the dispute-resolution provisions will not apply retroactively to a dispute of which the parties had formal notice before the change took effect.
17. Disclaimer of Warranties
To the fullest extent permitted by applicable law, the App and Services are provided "as is" and "as available." PsycheLink disclaims express, implied, and statutory warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, accuracy, and uninterrupted or error-free operation.
PsycheLink does not warrant the identity, qualifications, statements, conduct, availability, advice, prediction, or results of an Advisor. PsycheLink does not warrant that App content, consultation records, automated outputs, or third-party information will be accurate, complete, current, safe, or suitable for your needs.
Some jurisdictions do not permit certain warranty exclusions. In those jurisdictions, an exclusion applies only to the extent permitted by law.
18. Limitation of Liability
To the fullest extent permitted by applicable law, PsycheLink, Visionary Mind Limited, and their affiliates, directors, officers, employees, contractors, and service providers will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages, or for loss of profits, revenue, business opportunity, goodwill, or data, arising from or relating to the App, Services, an Advisor, or these Terms.
To the fullest extent permitted by law, their total aggregate liability arising from or relating to the Services or these Terms will not exceed the lower of:
- the amount you paid for Services during the 1-month period immediately before the event giving rise to the claim; or
- USD 50.
These limitations apply regardless of the legal theory and even if a party was advised that damage was possible. They do not exclude liability that applicable law does not permit to be excluded or limited.
19. Indemnity
To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Visionary Mind Limited, PsycheLink, and their affiliates, officers, directors, employees, contractors, and agents from third-party claims, losses, liabilities, damages, judgments, costs, and reasonable legal fees arising from:
- your material violation of these Terms;
- your unlawful or unauthorized use of the Services;
- content you submit;
- your violation of another person's rights; or
- your fraudulent, abusive, or off-platform conduct involving an Advisor or user.
We will provide reasonable notice of a covered claim and may control its defense and settlement, subject to applicable law. You may not settle a claim in a way that admits liability for or imposes an obligation on an indemnified party without that party's written consent.
20. Governing Law and Dispute Resolution
These Terms and any dispute arising from or relating to them, the App, the Services, or your relationship with PsycheLink are governed by the laws of the Hong Kong Special Administrative Region of the People's Republic of China, without regard to conflict-of-law principles. Mandatory consumer protections that cannot lawfully be waived remain unaffected.
Any dispute, controversy, difference, or claim arising from or relating to these Terms—including their existence, validity, interpretation, performance, breach, or termination—will be referred to and finally resolved by arbitration administered by the Hong Kong International Arbitration Centre (HKIAC) under the HKIAC rules in force when the arbitration begins.
The seat of arbitration will be Hong Kong. The arbitration will be conducted in English. The award will be final and binding and may be enforced by a court with jurisdiction.
You and PsycheLink agree to pursue covered disputes only on an individual basis. To the extent permitted by law, neither party may bring or participate in a class, collective, consolidated, or representative arbitration or action.
Nothing in this section prevents either party from seeking temporary or injunctive relief from the courts of Hong Kong when reasonably necessary to protect intellectual property rights or prevent irreparable harm pending the outcome of arbitration.
21. Electronic Communications
You agree that PsycheLink may provide agreements, notices, transaction records, and other communications electronically through the App, account messages, or available contact details. Electronic records and signatures may have the same effect as paper records and handwritten signatures where permitted by law.
You are responsible for keeping your contact information current and for retaining copies of communications important to you.
22. General Terms
You may not assign or transfer these Terms or your account without our prior written consent. Visionary Mind Limited may assign these Terms in connection with a corporate reorganization, financing, merger, acquisition, or transfer of the relevant business or assets, subject to applicable law.
If a provision is found invalid or unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will continue in effect. A failure to enforce a provision is not a waiver. These Terms do not create rights for third parties except where expressly stated.
These Terms and the policies expressly applicable to a transaction or feature constitute the entire agreement between you and Visionary Mind Limited regarding the App and Services, superseding prior understandings on the same subject.
Questions, legal notices, or account requests concerning these Terms may be directed to:
Visionary Mind Limited Email: management@visionarymind.co
