Disclaimer:

Joy is an independent contractor [psychic medium / spiritual counselor] and does not intend for any information received from this site to constitute professional advice for which a professional license is required.  The services offered within this site are intended for entertainment purposes only. . .   and are not,  in any manner, intended to constitute legal, financial, counseling, or medical advice.

Joy is not responsible for any decisions you make based upon your use of this site or the readings  subsequently provided to you.  Services described in this site require payment  by a credit card.  You must be 18 years or older to use the services described.  By use of this site you acknowledge and agree  that you  do so freely and accept all of the terms described [or 'set forth'] in this site.    [February, 2011]