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Terms and Conditions

Thank you for visiting FERNANDAMORSCH.com!

Please, read through this Terms and Conditions carefully. By contacting FERNANDA MORSCH LLC for Coaching Sessions, Numerology Analysis, Tarot readings, or any other Services, you are in effect acknowledging and agreeing to all Terms and Conditions.

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For Entertainment Purposes Only

In certain jurisdictions, the spirituality-based services provided by FERNANDA MORSCH LLC 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 on notice that our session is and can only be for entertainment purposes only. Nonetheless, please note that per my faith and personal spiritual practices, all sessions will comply strictly to the morals and codes outlined by that faith and spiritual practice. In other words, I take my moral obligation to you seriously. Irrespective of the law, I treat my spiritual connection with you with reverence, faith, and integrity.

General Information

This “Terms and Conditions” agreement explains all Terms and Conditions related to the use of the website and mobile website www.fernandamorsch.com (collectively, the “Site”). I’ll refer to Tarot readings, Numerology Analysis, Coaching sessions, selling of any goods (including custom-made goods) and any other services as the “Services”.

Disclosure of Limitations

The spirituality-based services of FERNANDA MORSCH LLC should never be used in place of professional counseling. Your Tarot reading, Numerology Analysis and/or Life Coaching session cannot offer legal, medical, business, or financial advice nor does any portion of your Tarot reading, Numerology Analysis and/or Life Coaching session provided by FERNANDA MORSCH LLC 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 provided by FERNANDA MORSCH LLC cannot replace qualified mental health care. Tarot readings, Numerology Analysis and/or Life Coaching sessions can only facilitate how you cope spiritually with a given situation.

Payment Terms

Due to the difficulty with debt collection, all payments for FERNANDA MORSCH LLC services must be tendered in advance.


FERNANDA MORSCH LLC uses services provided by Square Inc. (“Square”) and PayPal Inc. (“PayPal”) to process payments for this Site. By accessing and using the Site for payments, you consent to Square’s or PayPal’s (as applicable) then-current terms of service. You authorize FERNANDA MORSCH LLC (and any payment processor) to charge your payment card for all purchases you make in accordance with your selected payment option. FERNANDA MORSCH LLC accepts the forms of payment stated on the Site and, for credit card payments, charge your credit card when your order is processed.  FERNANDA MORSCH LLC reserves the right to use the payment information you provide in connection with this payment processor to provide better service to you should you wish to use FERNANDA MORSCH LLC services again in the future and to protect FERNANDA MORSCH LLC from fraud and other losses. Completion of a payment transaction is contingent upon: (a) you provide complete personal, account, transaction and any other information needed, (b) authorization of the payment by your credit or debit card company, and (c) acceptance of your payment. You may cancel your payment prior to your final submission of it to FERNANDA MORSCH LLC.


FERNANDA MORSCH LLC may, in sole discretion, cancel your payment at any time by providing notice to you through your contact information or by notice when you attempt to make a payment. FERNANDA MORSCH LLC may cancel a payment or prevent you from initiating future payments for any reason, including, without limitation, the following: (1) if you attempt to use the Services in breach of any applicable law or regulation, including the card network rules or regulations; (2) if you use the Services in breach of these Terms; (3) if FERNANDA MORSCH LLC suspect fraudulent, unlawful or improper activity regarding a payment; (4) if FERNANDA MORSCH LLC detect, in sole discretion, that your payments have excessive disputes, high reversal rates or present a relatively high risk of losses; or (5) failure to cooperate in an investigation or provide additional information when requested.  


FERNANDA MORSCH LLC is not liable for any mishandling by these third-party platforms. In the event of third-party mishandling, your claim will be with Square Inc. (“Square”) and PayPal Inc. (“PayPal”) directly.


If your credit card is declined or payment is not properly transferred due to deficiencies on your end, then FERNANDA MORSCH LLC will be entitled to the balance owed plus a 25% interest as an additional charge for the deficiency.
For in-person sessions, cash only is required. FERNANDA MORSCH LLC does not accept checks or money orders.


Stated prices do not include any customs duties, sales, use, value-added, excise, federal, state, local or other taxes. You are solely responsible for the payment of any applicable taxes related to your purchases. FERNANDA MORSCH LLC have the right to charge you for any taxes that FERNANDA MORSCH LLC believe it’s required to pay or collect related to your purchase.

Refund Policy

There are no refunds for any offerings, readings, sessions or services (i.e. Coaching Sessions, Tarot Readings, Numerology Analysis, etc). Your investment is a commitment, one that I feel passionate about honoring.


I want to ensure that you glean the most value from your spiritual experience with my services, and so if you have any questions or concerns, please do not hesitate to reach out. I would be more than happy to attend to you and see what I can do to resolve any concerns you may have.


  • Refund Policy for Services

I 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, FERNANDA MORSCH LLC services are non-refundable. All service fulfillments are final. 

Please, keep in mind that there will be no refunds for Tarot readings and/or Numerology Analysis that you believe to be inaccurate because accuracy has never been guaranteed. You are not paying for a results-oriented product; what you are paying for is services – and experience – oriented. Thus, there are no refunds on my services. I provide as much data and details of all my service offerings to enable you to make an informed decision, so please, read with care prior to requesting my services.


  • Refund Policy for Custom-Made Goods

By ordering a custom-made good, it will be handcrafted and personally prepared for you by FERNANDA MORSCH LLC. My 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 I sell is custom-made and considered a custom good. Thus, regrettably, they are non-refundable. All fulfillments are final.

Cancellation, Rescheduling, Lateness and No-Show Policy
Service Requested is Not Time Sensitive

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 FERNANDA MORSCH LLC. If no such documented, written arrangements are made on timing of delivery, then you hereby assure FERNANDA MORSCH LLC that your request and needs are not time-sensitive.

Availability and Pricing

FERNANDA MORSCH LLC reserves the right to change the price of the Services at any time. FERNANDA MORSCH LLC also reserves the right to refuse Services for any reason.

Scope of Holistic Life Coach Services

The services provided by FERNANDA MORSCH LLC are akin to Holistic Life Coaching Services. I strive to help you work on your goals for the future and create the life path you desire. Your experience with FERNANDA MORSCH LLC services 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. In no way I diagnose problems, but rather, I suggest 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. I strive to help you improve the quality of your life by tapping into your creativity and intuition. The role of such a Holistic Life Coach is supportive.

Video Sessions Recordings

FERNANDA MORSCH LLC may, at your option, provide video conference sessions (i.e. online Tarot readings, Numerology Analysis, Coaching Sessions, etc) –  through third-party platforms or hosts, such as Skype, Zoom, WhatsApp, FaceTime or Google Meet. 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 charges may apply. Before consenting to a video session, please go over any questions or concerns you may have with FERNANDA MORSCH LLC. By commencing a video session, you are consenting to the terms herein. Also, the use of the third party platform triggers that third party’s Privacy Policy as well, and you are expected to be familiar with its Privacy Policy and consent thereto.
Please be advised that you are not permitted to record any video sessions without the express, written permission from FERNANDA MORSCH LLC. If you would like to record your video session with FERNANDA MORSCH LLC, please ask before doing so.


FERNANDA MORSCH LLC exercises reasonable diligence in maintaining the confidentiality of your sessions and I will not voluntarily, knowingly, intentionally, or willfully disclose your identity or the contents of your sessions with me to third parties. However, if FERNANDA MORSCH LLC 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 FERNANDA MORSCH LLC against claims or threats of claims, then FERNANDA MORSCH LLC 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 FERNANDA MORSCH LLC neither claims nor pretends to tell fortunes and neither claims nor pretends to use occult powers in ways that would run against such laws.

Limitation of Liability

FERNANDA MORSCH LLC is not liable to you for any special or consequential damages that result from the use of, or the inability to use any part of this Site or the goods and services that may be offered on this Site, or the performance of any Services by FERNANDA MORSCH LLC. You indemnify and hold harmless FERNANDA MORSCH LLC for any and all damages, losses, expenses, and costs, including reasonable attorneys’ fees, resulting from your use of this Site or disclosure of any of your personal information to FERNANDA MORSCH LLC.

Warranties and Disclaimers

Service Outages and Force Majeure

Unless you have greater rights in a separate signed agreement with FERNANDA MORSCH LLC, I disclaim to the fullest extent permitted by law any service outages that are caused by our maintenance on the servers or the technology that underlies our Site, failures of our service providers (including telecommunications, hosting, and power providers), computer viruses, natural disasters or other destruction or damage of our facilities, acts of nature, war, civil disturbance, or any other cause beyond our reasonable control. Under no circumstances shall FERNANDA MORSCH LLC or its licensor or service providers be held liable for any delay or failure in performance resulting directly or indirectly from an event beyond its reasonable control. This provision is not intended to disclaim liability that FERNANDA MORSCH LLC may not disclaim under law.


You agree that your use of the Site or Services shall be at your sole risk

The Services are provided “as is” and without warranties of any kind, either expressed or implied to the fullest extent permitted by law, FERNANDA MORSCH LLC, disclaims all warranties, express or implied, in connection with the Services and your use thereof. FERNANDA MORSCH LLC makes no warranties or representations about the accuracy or completeness of the Site content or the content of any sites linked to the Site or Services, and assumes no liability or responsability for any (1) error, mistakes, or innacuracies of content, (2)  personal injury, psychological/emotional distress or trauma, or any property damage, of any nature whatsoever, resulting from your access to and use of the Site, methodology or Services, (3) unauthorized access to or use of the Services and/or any and all personal information and/or financial information stored therein, (4) interruption or cessation of transmission to or from the Site or Services, (5) bugs, viruses, trojan horses, or the like which may be transmitted to or through the Site or Services by any third party, and/or (6) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of the use of any content posted, emails transmitted, or otherwise made available via the Site or Services.

FERNANDA MORSCH LLC does not warrant, endorse, guarantee, or assume responsibility for any product or Services advertised or offered by a third party through the Site, Services, or any hyperlinked website, and FERNANDA MORSCH LLC will not be a party to or in any way responsible for monitoring any transaction between you and third-party providers of products or Services. As with the purchase of a product or Service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate.

Code of Ethics
Privacy Policy
Disclosure Statement

A tarot professional cannot predict the future with certainty and you should not rely on a tarot reading 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, a tarot reading cannot replace qualified mental health care. A tarot reading can only facilitate how you cope spiritually with a given situation. In certain jurisdictions, a tarot professional is required to disclose to you that tarot readings should be for entertainment purposes only, and if such a law applies to your reading, then you are hereby on notice thereof.

Effect of Headings

The subject headings of the paragraphs and subparagraphs of this Agreement are included for convenience only and shall not affect the construction or interpretation of any of its provisions.

Effect of Translations
Reservation of Right

From time to time, as would be ordinary for any business, FERNANDA MORSCH LLC may modify the Terms and Conditions and I reserve the right to do so at my discretion accordingly. The terms your service with FERNANDA MORSCH LLC will be bound by will be the terms applicable at the time your service was rendered.

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