Payment Policy

Effective date: April 9th, 2025

This Payment Policy forms part of the Member Terms and Conditions and Advisor Terms and Conditions and is incorporated by reference therein.


  1. The responsibilities of Barges Technologies, Inc. for Services received and provided are subject to restrictions and limitations. The Member who receives Services from an Advisor through the Site is solely responsible for payment of any and all fees for the transaction. Barges Technologies, Inc. shall not be obligated to pay any Member or Advisor fees that have not been fully paid by their credit card issuer, bank, or other payment method. You (a) appoint Barges Technologies, Inc. as your limited agent where applicable to receive payments on your behalf for Services you provide and (b) agree that receipt by Barges Technologies, Inc. of any such payment constitutes receipt by you and satisfies the Member’s obligation to make such payment to you.


MEMBERS WHO PURCHASE SERVICES

  1. Barges Technologies, Inc. reserves the right to close a Member account at any time without reason, including, but not limited to, a violation of this Payment Policy. In such an event, any remaining unrestricted funds shall be sent to the Member. Barges Technologies, Inc. reserves the right to restrict use of the platform for any of the following reasons:
    • Reports of unauthorized or unusual payment method use
    • Receipt of potentially fraudulent funds
    • Excessive disputes or chargebacks
    • Refusal to cooperate in an investigation or provide confirmation of identity when requested
    • Sending unsolicited email or posting referral links on websites where they are not permitted
    • Opening multiple accounts under different names to facilitate fraudulent activity
    • Suspected violations of the Terms and Conditions
    • Name on the payment methods associated with the account does not match the name on the Member account
    • Use of an anonymizing proxy
    • Any other circumstances which cause Barges Technologies, Inc. to believe that a Member account may be being used for fraudulent purposes


CASHBACK PROGRAM

  1. Purple Garden’s Cashback Program allows Members to receive one percent (1%) of their eligible spend back as virtual site credits that can be used on future readings. Once you have accumulated ten dollars ($10) in Cashback Program virtual credits, they can be redeemed on future readings. There is no limit on the amount of virtual credit you can earn, but unredeemed virtual credits will expire after six (6) months. Cashback Program virtual credits may only be used for Purple Garden purchases and are not redeemable for real cash. Barges Technologies, Inc. reserves the right to modify or suspend the Cashback Program in its sole discretion. If the Cashback Program percentage rate is modified, unredeemed virtual credits earned prior to the rate modification will remain at the previous program rate.


ADVISORS WHO PROVIDE SERVICES

  1. Fees. Charges for all interactions between Advisors and Members will be billed through the Site and Services. Barges Technologies, Inc. will use reasonable efforts to process each Member’s chosen payment method for the amount agreed upon between Member and Advisor (subject to Barges Technologies, Inc.’s fee structure below) within 7 business days of each transaction. Barges Technologies, Inc. assesses a commission fee, a connection and a handling fee for each session in accordance with the Schedule of Fees and Payments described below: Barges Technologies, Inc. shall receive a commission equal to sixty-four percent (64%) from Advisors for all Services offered through the Site. The Connection Fee is based on the number of billable minutes as follows:
    • Chat - $0.19 for each billed minute
    • Voice - $0.29 for each billed minute
    • Video - $0.39 for each billed minute
    The Connection Fee is first applied when the session ends, and only if the total session cost to the user is greater than $0. Then the commission fee is deducted from the remaining amount of the Member charge. Administrative fees may apply for additional administrative functions such as canceling checks or initiating wire transfers. Advisors are paid the net amount of the session value after deduction of all fees (including any applicable payment processing or other administrative fees disclosed in advance and assessed by Barges Technologies, Inc. or any applicable payment processing service or provider).
    • Holistic Services - $3.90 flat Handling Fee
    • Offline Services - Subject to Commission fee only, No Connection or Handling fees
    There are no connection fees or Handling Fees associated with Offline services, however, Barges Technologies, Inc. shall receive from Advisors who provide Holistic services a “Handling Fee” equal to three dollars and ninety cents ($3.90) for each sold. The Handling Fee is deducted from the total amount of the session first, then the Commission Fee is deducted from the remaining amount of the Member charge. Additionally, Administrative fees may apply for additional administrative functions such as canceling checks or initiating wire transfers. Advisors are paid the net amount of the offline service value after deduction of all fees (including any applicable payment processing or other administrative fees disclosed in advance and assessed by Barges Technologies, Inc. or any applicable payment processing service or provider). Rates and structures for fees and payments are subject to change at any time upon notice to Advisors and Barges Technologies, Inc. will use commercially reasonable efforts to provide advance notice to Advisors. Commission and connection fees are assessed at the time payment is received from the Member for the final session fee at the rates applicable at that time. Advisors can receive payment via PayPal or other payment methods separately agreed upon by both Parties. If an Advisor selects PayPal to receive payment, an Advisor may request payment as calculated above at their discretion once a minimum balance of $35.00 in unpaid funds is available. Additionally, when PayPal is the selected payment method and the balance of unpaid funds reaches $1,000.00, Barges Technologies, Inc. will automatically initiate a payment to the Advisor. Barges Technologies, Inc. reserves the right in its sole discretion to initiate a payment of unpaid fees to an Advisor at any time. You are solely responsible for reporting and paying any applicable tax or tariffs in connection with payments receivable or received from Barges Technologies, Inc.. There is a $1.00 fee for payouts made via PayPal, which will be deducted from your eligible earnings when the funds transfer is initiated. If you simultaneously participate as a Member, Barges Technologies, Inc. may transfer or set off payments from your pending earnings as an Advisor to your outstanding balance as a Member. Commission fees will not apply to any advice or information an Advisor may give for free in accordance with this Agreement. Barges Technologies, Inc. also reserves the right to offer and pay Advisors discretionary bonuses or other amounts at any time and upon any such terms as it deems appropriate or desirable. Barges Technologies, Inc.’s billing system is not error-free, and Barges Technologies, Inc. shall not be liable for any miscalculations or malfunctions in processing payments. If you think a mistake has occurred, you must submit a complaint to Barges Technologies, Inc.’s service department here within 90 days of any such payment. You hereby agree that any issues or disputes not raised within 90 days after a payment are waived and will not be considered by Barges Technologies, Inc..


  1. Special Programs. Barges Technologies, Inc. may, at its option, invite you to participate as an Advisor in special offerings that may include custom branding, promotional pricing, qualifications verification and/or targeted promotion. You do not have any obligation to accept such invitations; however, if you do accept such an invitation, you agree to be bound by the terms set forth in the invitation in addition to Advisor Terms and Conditions and the policies incorporated therein.


  1. Site Promotions. Barges Technologies, Inc. may in its sole discretion issue to all clients a limited time offer of a percentage discount applicable to all of the advisors’ current price per minute for online sessions. Before the discount goes into effect, Barges Technologies, Inc. reserves the right to disable each advisor’s ability to increase their prices until the discount time period has ended. Regular commission and connection fees shall apply for the sessions conducted at the discounted rate.


  1. Barges Technologies, Inc. reserves the right in its sole discretion to institute a chargeback policy as Barges Technologies, Inc. deems appropriate. Barges Technologies, Inc. reserves the right to hold your fees without notice for any transaction for which it believes in its sole discretion the Member or Member’s bank may not fulfill his or her payment obligation. Barges Technologies, Inc. reserves the right to hold funds for transactions it deems suspicious.


  1. Barges Technologies, Inc. reserves the right to close an Advisor account at any time without reason, including, but not limited to, a violation of this Payment Policy. In such an event, any remaining unrestricted funds shall be sent to the Advisor.


  1. Barges Technologies, Inc. reserves the right to restrict payments of Advisor fees for any of the following reasons:
    • Reports of unauthorized or unusual payment method use
    • Reports of unauthorized or unusual bank account use
    • Receipt of potentially fraudulent funds
    • Excessive disputes or chargebacks
    • Refusal to cooperate in an investigation or provide confirmation of identity when requested
    • Sending unsolicited electronic communications or posting referral links on websites where they are not permitted
    • Opening multiple Advisor accounts under different names to facilitate fraudulent activity
    • Suspected violations of the Advisor Terms and Conditions
    • Name on the payment method associated with the Advisor account does not match the name on the Advisor account
    • Use of an anonymizing proxy
    • Any other circumstances which cause Barges Technologies, Inc. to believe that an Advisor account may be being used for fraudulent purposes
    • Services not provided