Terms and Conditions

Payment Terms

All payments must be tendered in advance. PayPal payments accepted. Please direct your payment to RUTH MORGANS CIRCLE OF FRIENDS at the time of your service request. Please note that all payment transfers are done through third party platform PAYPAL, so please be familiar with the privacy policy and terms of use for this third party platform. RUTH MORGANS CIRCLE OF FRIENDS is not liable for any mishandling by these third party platforms. In the event of third party mishandling, your claim will be with PAYPAL directly. RUTH MORGANS CIRCLE OF FRIENDS does not accept checks or money orders.

Service Requested is Not Time Sensitive

You understand and acknowledge that the service you have requested is not urgent and that time is not of the essence. If, however, your inquiry is urgent or time-sensitive, then separate, additional, written arrangements need to be made with RUTH MORGANS CIRCLE OF FRIENDS. If no such documented, written arrangements are made on timing of delivery, then you hereby assure us that your request and needs are not time-sensitive.

Refund Policy for Services

We value one-to-one personalized care, supported by a spiritual point of view. You are requesting a spirituality-based service tendered from experience, specialized knowledge, and personalized attention. Thus, the services from RUTH MORGANS CIRCLE OF FRIENDS are non-refundable. All service fulfillments are final. Nonetheless, we want to ensure that you glean the most value from your spiritual experience, and so if you have any questions or concerns, please do not hesitate to reach out.

Refund Policy for Custom-Made Goods

Items created by RUTH MORGANS CIRCLE OF FRIENDS, including but not limited to Tarot Balls, are a custom-made good, which will be hand-crafted and personally prepared by RUTH MORGANS CIRCLE OF FRIENDS. Our products and services come from a spiritual point of view and as a spirituality-based product or service, you will be given personal attention and care. As a result, each product we sell is custom-made and considered a custom good. Thus, regrettably they are non-refundable. All fulfillments are final.

Scope of Services

The services provided by RUTH MORGANS CIRCLE OF FRIENDS are akin to life coaching services and we strive to help you work on your goals for the future and create the life path you desire. Your experience with RUTH MORGANS CIRCLE OF FRIENDS in no way replaces professional counseling from a licensed counselor or therapist and cannot be relied upon in lieu of sound legal, medical, or financial advice from licensed or qualified professionals. RUTH MORGANS CIRCLE OF FRIENDS in no way diagnoses problems, but rather, suggests creative and intuitive perspectives for understanding your current problems, to help you come up with actions you can take to empower yourself in a way that will maximize your personal and professional potentials. RUTH MORGANS CIRCLE OF FRIENDS strives to help you improve the quality of your life by tapping into your creativity and intuition. The role of such a life coach is supportive.

Scope of Ministry Services

The services provided are part of the ministry of RUTH MORGANS CIRCLE OF FRIENDS, who is a minister, pastor, missionary, or member of a clergy accredited to or ordained by UNIVERSAL LIFE CHURCH.

Disclosure of Limitations

The spirituality-based services RUTH MORGANS CIRCLE OF FRIENDS of should never be used in place of professional counseling. Your reading cannot offer legal, medical, business, or financial advice nor does any portion of your reading from RUTH MORGANS CIRCLE OF FRIENDS purport to do so. You should not rely on any such spirituality-based service to make any decision that would affect your legal, financial, or medical condition. If your inquiry involves the law, finance, or medicine, then you should seek the advice of a licensed or qualified legal, financial, or medical professional. Also, spirituality-based services by RUTH MORGANS CIRCLE OF FRIENDS cannot replace qualified mental health care. A tarot reading can only facilitate how you cope spiritually with a given situation.

Video Reading Recordings

RUTH MORGANS CIRCLE OF FRIENDS may, at your option, provide video conference consultations or sessions through third party platforms or hosts, such as Skype or Facebook. These video sessions may from time to time be recorded. If a video session is recorded, you will be put on notice in advance of the recording. You are entitled to a copy of the video recording, though processing and administrative charges may apply. Before consenting to a video session, please go over any questions or concerns you may have with RUTH MORGANS CIRCLE OF FRIENDS. By commencing a video session, you are consenting to the terms herein. Likewise, please be advised that you are not permitted to record video sessions without express, written permission from RUTH MORGANS CIRCLE OF FRIENDS. If you would like to record your video session, then please ask before doing so. Reasonable accommodation or arrangements can then be made accordingly.


RUTH MORGANS CIRCLE OF FRIENDS exercises reasonable diligence in maintaining the confidentiality of your sessions and we will not voluntarily, knowingly, intentionally, or willfully disclose your identity or the contents of your sessions with us to third parties. However, if RUTH MORGANS CIRCLE OF FRIENDS genuinely believes disclosure is required to: (1) prevent imminent harm or risk of harm to yourself or to another, (2) meet any applicable law, regulation, legal process, or governmental request, or (3) protect or defend RUTH MORGANS CIRCLE OF FRIENDS against claims or threats of claims, then RUTH MORGANS CIRCLE OF FRIENDS reserves the right to do so to the extent reasonably necessary. Please keep in mind that no legally recognized privilege exists between a tarot professional and client the way a privilege might exist between an attorney and client, doctor and patient, husband and wife, or priest and penitent.

Fortune Telling Laws

Pursuant to applicable laws of certain jurisdictions, a person can be guilty of fortune telling, still outlawed in certain places, when for a fee or compensation, that person claims or pretends to tell fortunes, or holds him or herself out as being able, by claimed or pretended use of occult powers, to answer questions or give advice on personal matters or to exorcise, influence, or affect evil spirits or curses, unless otherwise done so explicitly for entertainment purposes only. Any and all services provided by RUTH MORGANS CIRCLE OF FRIENDS neither claims nor pretends to tell fortunes and neither claims nor pretends to use occult powers in ways that would run against such laws.

For Entertainment Purposes Only

In certain jurisdictions, the spirituality-based services provided by RUTH MORGANS CIRCLE OF FRIENDS would require a clear disclaimer that such services are for entertainment purposes only. Thus, if such a law applies to any sessions between us, then you are hereby notified that our session is and can only be for entertainment purposes only. Nonetheless, please note that per the faith and personal spiritual practices of RUTH MORGANS CIRCLE OF FRIENDS, all sessions will comply strictly to the morals and codes outlined by that faith and spiritual practice. In other words, we take our moral obligation to you seriously. Irrespective of the law, we treat our spiritual connection with you with reverence, faith, and integrity.

Reservation of Right

From time to time, as would be ordinary for any business, RUTH MORGANS CIRCLE OF FRIENDS may modify the Terms of Service and we reserve the right to do so at our discretion accordingly. The terms your service with us will be bound by will be the terms applicable at the time your service was rendered.


If you have any questions or concerns about our Terms of Service and company policy, please contact ruth@ruthmorgantarot.com.


First Posted: 3/16/2019