Client Agreement

Last updated: [August 15, 2026]

This Client Agreement ("Agreement") is a single document covering three things: our Terms of Service, our Privacy Policy, and our Health & Practice Disclaimer. Reading and accepting this Agreement once covers all three — you won't need to accept separate documents for each.

By visiting theinsightinstitute.com, joining our waitlist, or booking a session with The Insight Institute ("we," "us," "our"), you agree to be bound by this Agreement. If you do not agree, please do not use the site or book a session.

Part 1 — Terms of Service

1.1 Who we are. The Insight Institute provides clairvoyant insight and energy healing sessions, delivered by Val Ramos, Angela and , along with related programs and memberships described on our site.

1.2 Booking. We currently book through a reserve list rather than open online slots. Submitting a booking request or joining the waitlist does not guarantee a session — we confirm availability directly, typically within two business days.

1.3 Payment. Session and program fees are as listed on our site or as quoted to you directly. Payment terms (deposit vs. full payment, timing) will be confirmed at the time of booking. All fees are due as agreed unless we specify otherwise in writing.

1.4 Cancellations and rescheduling. If you need to cancel or reschedule a session, please notify us at least 48 hours before your scheduled appointment. Cancellations or reschedule requests made with 48 hours' notice or more are eligible for credit toward a future session or rebooking at no additional charge. Cancellations, reschedule requests, or no-shows with less than 48 hours' notice forfeit the session fee.

1.5 Refunds. We do not issue cash refunds. Eligible cancellations, as described in 1.4, are instead handled through credit toward a future session.

1.6 Age and location. Our services are intended for individuals 18 years of age or older residing in the United States. If you are under 18 or outside the United States, please do not book a session or submit an intake form.

1.7 No professional licensing claim. Clairvoyant insight and energy healing are not licensed medical, psychological, or psychiatric professions in most jurisdictions, and nothing on our site or in a session should be read as a claim otherwise. See the Disclaimer in Part 3.

1.8 Site content and intellectual property. All content on theinsightinstitute.com — text, images, session guidance documents, and other materials — belongs to The Insight Institute or its licensors. You may view and keep your own session materials for personal use, but may not reproduce, redistribute, or commercially use our content without written permission.

1.9 Indemnification. You agree to hold The Insight Institute and its practitioners and staff harmless from any claims, losses, or expenses arising from your misuse of our site or services, or your violation of this Agreement.

1.10 Limitation of liability. To the fullest extent permitted by law, The Insight Institute and its practitioners are not liable for any indirect, incidental, or consequential damages arising from your use of our site or services. Our total liability for any claim is limited to the amount you paid for the session or program giving rise to the claim.

1.11 Governing law. This Agreement is governed by the laws of the State of California, without regard to conflict-of-law principles.

1.12 Binding arbitration. If a dispute arises out of or relating to this Agreement, the party raising it will first notify the other in writing, describing the issue, so the parties can attempt to resolve it directly. If unresolved within 30 days of that notice, either party may submit the dispute to binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, conducted by a single arbitrator in Los Angeles, California, in English. Under those rules, your filing costs are capped and we cover the arbitrator's compensation and the bulk of the administrative fees. You may also choose to bring a qualifying dispute in small claims court instead of arbitration. The arbitrator's decision is final and binding and may be entered as a judgment in any court of competent jurisdiction. TO THE EXTENT PERMITTED BY LAW, YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL IN ANY SUCH PROCEEDING.

1.13 Injunctive relief. Nothing in this section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction to protect its rights, including intellectual property rights, where arbitration would not provide an adequate remedy.

1.14 Class action waiver. Any dispute arising out of or relating to this Agreement will be resolved individually, not as part of a class, consolidated, or representative action. YOU AGREE THAT ANY CLAIM AGAINST US WILL BE BROUGHT IN YOUR INDIVIDUAL CAPACITY ONLY.

1.15 Changes. We may update this Agreement from time to time. The "Last updated" date at the top will reflect the most recent version. Continued use of our site or services after changes take effect constitutes acceptance of the updated Agreement.

Part 2 — Privacy Policy

2.1 What we collect. Depending on how you interact with us, we may collect: contact details (name, email, phone) submitted through our contact form, newsletter signup, or booking flow; intake form responses, including health and wellness history you choose to share ahead of a session; and payment information, processed securely through our third-party payment provider — we do not store full payment card details ourselves.

2.2 How we use it. We use your information to schedule and prepare for sessions, follow up with guidance and recommendations after a session, and send newsletter updates only if you've opted in. We do not sell your information to third parties.

2.3 Third-party services. Our site runs on Squarespace, our booking is managed through Acuity Scheduling, and payments are processed through our payment provider. Each of these services has its own privacy practices governing data they process on our behalf.

2.4 Intake and health information. Information you share in an intake form — including physical, emotional, mental, spiritual, or medical background — is kept confidential and used only to inform your session and guidance. We do not share this information outside our practice except as required by law.

2.5 Data retention. We retain client records for as long as needed to provide services and maintain reasonable business records, after which they are deleted or anonymized on request.

2.6 Your rights. You may request access to, correction of, or deletion of your personal information at any time by emailing info@theinsightinstitute.com.

2.7 California residents (CCPA). If you are a California resident, you have the right to know what personal information we've collected about you, request deletion of it, and opt out of its sale. We do not sell your personal information, so no opt-out action is needed on that front. To exercise any of these rights, contact us at info@theinsightinstitute.com.

2.8 Children's privacy. Our site and services are not directed at or intended for anyone under 18. We do not knowingly collect information from anyone under 18.

2.9 Product and affiliate links. From time to time we may recommend third-party products (for example, following a session). If any such link is an affiliate or commission link, we'll disclose that at the point of recommendation.

Part 3 — Health & Practice Disclaimer

3.1 Not a substitute for medical or mental health care. The services offered by The Insight Institute — clairvoyant insight and energy healing — are complementary practices. We do not diagnose, treat, or prescribe for any condition, and nothing we offer is a substitute for diagnosis, treatment, or advice from a licensed physician, therapist, psychiatrist, or other medical professional. If you are experiencing a medical or mental health concern, please consult a licensed professional. If you are in crisis, please contact emergency services or a crisis line in your area. This is consistent with, and does not replace, the separate Liability Waiver you sign ahead of a session.

3.2 No guaranteed outcomes. We do not make claims that our services will cure, treat, or resolve any medical, psychological, or life condition. Results vary by person, and no specific outcome is promised.

3.3 Voluntary participation. Participation in any session or program is voluntary. You are responsible for deciding whether our services are appropriate for your circumstances, and we encourage you to consult a licensed professional if you have any doubt.

3.4 Confidentiality of shared information. Information you disclose to us during intake or sessions — including sensitive personal, health, or background information — is treated as confidential under Part 2 of this Agreement.

3.5 Testimonials. Any testimonials shared on our site or in our marketing reflect the individual experience of that client only. Results vary from person to person, and a testimonial is not a guarantee that you'll have the same experience or outcome.

Contact. Questions about this Agreement can be sent to info@theinsightinstitute.com.