Terms and Conditions
Welcome to our website, please read this legal statement carefully as it's just as important as other pages on our website.
This legal statement outlines the Terms and Conditions between you (we may also refer to you as the "you, visitor, client, or customer") and this website kumalak.com.au also the services offered through it (trading as 
, may also be referred to as, "we", "us", "our", "services", "kumalak.com.au" or "Website")
Your access to the Website is conditional upon your acceptance and compliance with the terms, conditions, notices and disclaimers contained in this document (collectively known as “Terms and Conditions”). Your use of, and/or access to our Website constitutes your agreement of these outlined Terms and Conditions.
Acceptance of terms & conditions - Your use of and/or continued access to the Website constitutes your agreement to these Terms & Conditions. may amend the Terms & Conditions at any time by posting the amended terms & conditions on the Website. The amended terms & conditions will be effective immediately and you will be bound by the amended terms & conditions from that time. This agreement may not be amended otherwise. If you violate any Terms & Conditions as outlined, then, your right to use our services and access to this Website automatically terminates.
TERMS OF USE
(kumalak.com.au is born with you in mind and heart, to be able to provide it's visitors (you) positive and guiding answers for your current and future endeavors) (I use all my reasonable abilities and experience to make certain that my visitors receive honest, insightful, spiritual, positive, useful and exceptional service)
Though if the visitor is requesting information relating to:
Medical / Health matters (then my visitor must seek medical advice from a registered medical professional); subsequently for legal matters (it is suggested that client sought advice from a lawyer or registered law practitioner) subsequently for mental health disorders (the client must get advice for their condition from a registered health professional) furthermore, for business/career questions (client must seek additional information from a financial adviser)
If you have written articles for www.kumalak.com.au, you agree that you give us full and exclusive copyright, and also full ownership and license to the content, to use, edit and publish them as per our discretion.
You agree that; by using our services that you are at least 18 years of age and over. Those who are considered minors, under the (18) eighteen years of age must be accompanied by or have consent from a parent or legal guardian. At kumalak.com.au website we offer all services with utmost care professionalism and honesty, because the nature of service involving mature content, those who are considered minors must have parent or legal guardian present.
(This section below is unfortunately required, as most visitors are kind to kumalak.com.au also diverse and from all over the globe, unfortunately there maybe some people who would try to take advantage of offered services)
Limitation of liability: Disclaimer
You agree that; by you exchanging information and getting a reading and/or psychic services on offer and/or spiritual advice of any form and/or any other information what so ever, 
(Domain name registrar of kumalak.com.au) makes no representations on warranties, express or implied, with respect to: advice, relevancy or quality of information. And does not assume and hereby disclaims any liability to any person or entity for any loss, injury, damages including without limitation, physical, mental, death, special, indirect, incidental or consequential caused in regard to any information, suggestion(s), advice provided to you through this web site and services by any or all from this website, or, as a result of your use of this service, or dissatisfaction of this website to match to the manner or expectation you preferred or anticipated, linguistic or any other typing & communication error, disruption in services offered on the website. And by you using this website you agree, and are bound by these terms and conditions.
Links to Other Websites
Our web site may contain links to other sites that are not affiliated or associated with, or controlled by kumalak.com.au, please be aware that these other sites may be owned or developed by people over whom we have no control, and accordingly we are not responsible for their services products or privacy practices. This Terms and Conditions of Use, applies only to those parts of our web site within our control. We encourage you to familiarize yourself with the Privacy Policy & Terms and Conditions of any other web site you visit which may collect personal information about you, and to use your discretion when providing such information. kumalak.com.au takes no responsibility for the content of internet sites that link from this website. (Dream analysis service which is offered on kumalak.com.au has links to other humanitarian organizations, which you may exchange your details with them. Please read their terms of use and privacy policies in place, kumalak.com.au is not responsible for their services, and disclaims any liability as a result of your interactions with the websites concerned)
Indemnity
By using the Website, you agree to indemnify us from and against all actions, claims, suits, demands, damages, liabilities, costs or expenses (whether in tort or in contract including and without limitation, negligence) arising out of, or in any way connected to the use of the Website by you.
Refund Policy
At kumalak.com.au, I appreciate your visit and I assure you that I take your questions to heart, and unlike some other psychic websites, I fully understand that your questions are not to be entertained with, thus, I take your matter very seriously, and I also appreciate your contribution towards your reading, and in return, I will do my best to answer you ethically, professionally and with guidance and insights of highest order, regrettably, I cannot offer a refund on your contribution.
Prohibited Use
In relation to the Website, you must not:
- use the Website for any activities to post or transmit via the Website information or materials which breach any laws or regulations, infringe a third party's rights
- use the Website to post or transmit any material which interferes with other users or defames, harasses, threatens, menaces, offends or restricts any person or which inhibits any user from using the Website or the Internet;
- use the Website to send unsolicited e-mail messages;
- in any way tamper with, hinder or modify the Website;
- knowingly transmit any viruses or other disabling features to the Website or via the Website; or
- attempt any of the above acts or facilitate or assist another person to do any of the above acts.
Your Online Security
Kumalak website will never ask you for your sensitive financial details. We never collect or ask for your credit card information. To give you that piece of mind and security we have chosen to use PayPal merchant services, which allows you to contribute towards your reading, without sharing your credit card information with us. The best and most effective way to protect yourself from unauthorized transactions is to keep your financial information private (which means not to give your sensitive financial information to service providers or sellers). And also have the latest antivirus and anti spyware software installed on your computer.
Except as expressly provided in a particular 'legal notice' on the kumalak.com.au web site, these Terms and Conditions constitute the entire agreement between you and kumalak.com.au with respect to the use of the kumalak.com.au website, services and content.
Thank you for your cooperation. I hope you find the kumalak.com.au website informative, helpful and convenient to use!
Please contact anytime if you have any questions regarding the above terms & conditions on 0423670942 in Australia or +61423670942 from overseas or simply e-mail 
Please do continue with your authentic & genuine psychic readings service.
