Payment Policy

Effective date: Oct 1st, 2026

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

The responsibilities of Purple Ocean for Services received and provided are subject to restrictions and limitations. The User who receives Services from an Advisor through the Site is solely responsible for payment of any and all fees for the transaction. Purple Ocean shall not be obligated to pay any User or Advisor fees that have not been fully paid by their credit card issuer, bank, or other payment method. You (a) appoint Purple Ocean as your limited agent where applicable to receive payments on your behalf for Services you provide and (b) agree that receipt by Purple Ocean of any such payment constitutes receipt by you and satisfies the User’s obligation to make such payment to you. Purple Garden is for entertainment purposes only. As a marketplace platform, Purple Ocean does not offer refunds to Users for Services rendered by an Advisor. If you have technical issues or billing questions, please contact Customer Support for assistance.

USERS WHO PURCHASE SERVICES

Purple Ocean reserves the right to close a User account at any time without reason, including, but not limited to, a violation of this Payment Policy. In such event, any remaining unrestricted funds shall be sent to the User. Purple Ocean 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 User account
- Use of an anonymizing proxy
- Any other circumstances which cause Purple Ocean to believe that a User account may be being used for fraudulent purposes

ADVISORS WHO PROVIDE SERVICES

Charges for all interactions between Advisors and Users will be billed through the Advisor Platform. Purple Ocean will use reasonable efforts to process each User’s chosen payment method for the amount agreed upon between User and Advisor (subject to Purple Ocean’s fee structure below) within 7 business days of each transaction. Purple Ocean assesses a commission fee and a connection fee for each session in accordance with the Schedule of Fees and Payments described below:

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 or platform fee of 64% is deducted from the remaining amount of the User charge. Purple Ocean may modify the fees at any time upon notice and will use commercially reasonable efforts to provide advance notice. Administrative fees may apply for additional administrative functions such as canceling checks or initiating wire transfers. Advisors are paid the net amount of the charge paid by the User after deduction of all fees (including any applicable payment processing or other administrative fees disclosed in advance and assessed by Purple Ocean or any applicable payment processing service or provider).

Advisors will be paid each time that they timely fulfill an order for a reading. As an Advisor, You will receive all payments for fulfilling your orders through PayPal or a similar service to be chosen at Our sole discretion. Any revenue that You earn through Our service can be held for up to a period of fourteen (14) business days from the time that it is generated and there is a minimum withdrawal sum of $35. In the event that We receive a complaint about your service from a client and We find the complaint to have merit, We may choose to reverse the payment to your account and credit the client the amount paid for the order. In addition to reversing the payment to your account, depending on your behavior, You may be subject to disciplinary action in accordance with Our Advisor Terms. To withdraw money from your account, simply tap on the “Withdraw” button in the revenue screen of your account. Payment is usually deposited into your personal payable account within 2 to 4 days of your withdrawal request. If an order is placed, but You do not deliver the reading, the payment goes back to the client, You will receive zero compensation, and your account may be subject to suspension or termination.

Notwithstanding the foregoing, Purple Ocean reserves sole discretion, for any reason, to either withhold any amount due to You for completed orders or to reverse payments posted to your account.

Special Programs. Purple Ocean 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.

Site Promotions. Purple Ocean 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, Purple Ocean 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.

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

Purple Ocean 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.

Purple Ocean 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 Purple Ocean to believe that an Advisor account may be being used for fraudulent purposes
- Services not provided