Establishing clear guidelines is an act of care and responsibility and a legal necessity. Please follow these rules as set forth.
Last updated: September 1st 2026
Cosmic Munay welcomes you.
We provide visitors to our website access to the Website subject to the following Terms & Conditions, which may be updated by us from time to time without notice to you. By browsing the public areas or by accessing and using the Website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms & Conditions, our Disclaimer, and our Privacy Policy, which are hereby incorporated by reference (collectively, this “Agreement”). If you do not agree to any of these terms, then please do not use our Website.
Any user who purchases a service through our Website (“Client”) agrees to the terms of this Agreement and the accompanying Terms & Conditions of Purchase with respect to such service. In the event of any conflict between the terms of this Agreement and the Terms & Conditions of Purchase, the Terms & Conditions of Purchase shall control.
1. Description and Use of our Website
We provide Visitors, Contacts, Subscribers, and Clients with access to the Website as described below.
**Visitors:** Visitors can: (i) view all publicly-available content on the Website; and (ii) email us.
**Contacts:** Contacts can do all the things that Visitors can do, and: (i) contact us through our online contact form.
**Subscribers:** Subscribers can do all the things that Visitors can do, and: (i) subscribe to our newsletter. Cosmic Munay is under no obligation to accept any individual as a Subscriber and may accept or reject any Subscriber at its sole and complete discretion. In addition, Cosmic Munay may deactivate any account at any time, including, without limitation, if it determines that a Subscriber has violated these Terms & Conditions.
**Clients:** Clients can do all the things that Visitors can do, and: (i) purchase services through our Website; (ii) purchase services via electronic invoice; and (iii) purchase services via cash in-person.
2. Website Use Guidelines
-You may view, download for caching purposes only, and print pages, files, or other content from the Website for your own personal use, subject to the restrictions set out below and elsewhere in these Terms & Conditions. By accessing and/or using our Website, you agree to comply with these guidelines (collectively, the “Website Use Guidelines”) and that:
– You will comply with all applicable laws in your use of our Website and will not use our Website for any unlawful purpose.
– You will not upload, post, email, transmit, or otherwise make available any content that infringes any copyright, trademark, right of publicity, or other proprietary rights of any person or entity; or is defamatory, harassing, libelous, discriminatory, abusive, indecent, obscene, pornographic, sexually explicit, invasive of another’s privacy, promotes violence, or contains hate speech.
– You will not disclose any sensitive information about another person, including that person’s email address, postal address, phone number, credit card information, or any similar information.
– You will not “stalk,” threaten, or otherwise harass another person.
– You will not spam or use our website to engage in any commercial activities.
– You will not access or use our Website to collect any market research for a competing business.
– You will not impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity.
– You will not interfere with or attempt to interrupt the proper operation of our Website through the use of any virus, device, information collection or transmission mechanism, software or routine, or access or attempt to gain access to any data, files, or passwords related to our website through hacking, password or data mining, or any other means.
• You will not use any robot, spider, scraper, or other automated means to access our Website for any purpose without our express written permission.
• You will not take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our technical infrastructure.
• You will let us know about inappropriate content of which you become aware.
– If you find something that violates our Website Use Guidelines, please let us know, and we’ll review it.
We reserve the right, in our sole and absolute discretion, to deny you access to our Website, or any portion of our Website, without notice, and to remove any content that does not adhere to these Website Use Guidelines.
3. Restrictions
Our Website is only available for individuals aged 16 years or older. If you are 16 or older, but under the age of majority in your jurisdiction, you should review this Agreement with your parent or legal guardian to make sure that you and your parent or legal guardian understand it.
4. Sign-in Name & Email
During the subscription process for Subscribers, we will ask you for your name (“Name”) and email address (“Email”). You must provide true, accurate, current, and complete information. Each Name and corresponding Email can be used by only one Subscriber, and sharing your access credentials with others is a material breach of this Agreement. You are solely responsible for the confidentiality and use of your Name and Email, as well as for any use, misuse, or communications entered through our Website using one or more of them. You will promptly inform us of any need to deactivate a Name and Email. We reserve the right to delete or change your Name and Email at any time and for any reason and shall have no liability to you for any loss or damage caused by such action.
5. Third-party Payment Processors
When you purchase a service through our Website or via electronic invoice, you may be provided with a Third-party Payment Processor interface (including, but not limited to, PayPal, Izipay, Niubiz, and Zelle) to input your payment information and make payment for the service. The Third-party Payment Processor is acting solely as a billing and payment processing agent for Cosmic Munay and shall not be construed to be providing the service purchased or acting on behalf of these Terms & Conditions.
In the event of any conflict between these Terms & Conditions and the Third-party Payment Processor´s terms, these Terms & Conditions shall control. Cosmic Munay does not provide refunds or credits on behalf of Third-party Payment Processors. Any modification to the purchase of a service or any request for a refund or credit for the purchase of a service shall be handled between you and Cosmic Munay directly. If you request a refund or credit directly from the Third-party Payment Processor, and/or if you are granted a refund or credit directly from a Third-party Payment Processor, you will be considered in breach of this Agreement.
6. Payment, Fees, & Taxes
As consideration for any purchase you make on our Website, you shall pay Cosmic Munay all applicable fees and taxes. We (or our Third-party Payment Processor) shall authorize your credit card, bank account, or other approved payment facility you provided during the purchasing process for the full payment of the fees and any applicable taxes, and you hereby consent to the same.
You must provide current, complete, and accurate billing and credit card information. You must promptly update all billing information (such as billing address, card number, and expiration date) to keep your account current, complete, and accurate, and you must promptly contact us if your credit card is lost or stolen, or if you become aware of a potential breach of account security (such as an unauthorized disclosure or use of your sign-in Name or Email).
You hereby authorize Cosmic Munay to obtain or determine updated or replacement expiration dates for your credit card in the event that the credit card you provided us expires. We reserve the right to charge any renewal card issued to you to the same extent as the expired card. If payment is not received from your credit card issuer, you hereby agree to pay all amounts due upon demand. You agree to pay all costs of collection, including attorney’s fees and costs, on any outstanding balance.
7. Refunds, Credits, & Expiration
All sales are final. All payments are non-refundable and non-transferable. We do not provide refunds after you purchase a service through our Website or via electronic invoice, which you acknowledge prior to purchasing any service therein. Please make sure that you’ve carefully read the service description and the accompanying Terms & Conditions of Purchase with respect to such service before making a purchase. If you do not agree with these Terms & Conditions and/or the service Terms & Conditions of Purchase, do not use the Website and do not purchase a service through our Website.
If due to an emergency or Act of God you are unable to participate in a service you purchased, it may be possible to receive a credit with Cosmic Munay, equal to the monetary amount of services not yet rendered. To be considered for a credit, contact us with your request for credit via email at contact @cosmicmunay.com. If you receive a credit, it may be used towards the purchase of other similar services offered and determined by Cosmic Munay, and as available, at that time. If you receive a credit, this shall not be deemed as a waiver of the original service Terms & Conditions of Purchase.
When you purchase a package of private sessions with us, you will have exactly one year from the date of purchase to schedule all of your private sessions, unless otherwise noted in the Terms & Conditions of Purchase of the service. After one year, your private sessions will expire, and any private sessions not scheduled by you before the expiration date will no longer be valid. Please make note of the expiration date when you purchase a package of private sessions with us.
8. Intellectual Property
Our Website contains material, such as videos, artwork, articles, photographs, images, software, text, graphics, logos, sound recordings, and other material provided by or on behalf of Cosmic Munay (collectively referred to as the “Content”). The Content may be owned by us or third parties. The Content is protected under both Peru and foreign laws. Unauthorized use of the Content may violate copyright, trademark, and other laws. You have no rights in or to the Content, and you will not use the Content except as permitted under this Agreement. No other use is permitted without prior written consent from us. You must retain all copyright and other proprietary notices contained in the original Content on any copy you make of the Content. You may not sell, transfer, assign, license, sublicense, or modify the Content or reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose. The use or posting of the Content on any other website or in a networked computer environment for any purpose is expressly prohibited.
If you violate any part of this Agreement, your permission to access and/or use the Content and the Website automatically terminates and you must immediately destroy any copies you have made of the Content.
The trademarks, service marks, and logos of Cosmic Munay (“Cosmic Munay Trademarks”) used and displayed on our Website are registered and unregistered trademarks or service marks of Cosmic Munay. Other company, product, and service names located on the Website may be trademarks or service marks owned by others (the “Third-party Trademarks” and, collectively with the Cosmic Munay Trademarks, the “Trademarks”). Nothing on our Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Trademarks without our prior written permission specific for each such use. Use of the Trademarks as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by us in writing. All goodwill generated from the use of Cosmic Munay Trademarks inures to our benefit.
Elements of the Website are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors. None of the Content may be retransmitted without our express, written consent for each and every instance.
9. Communications with Us
Although we encourage you to email us, we do not want you to, and you should not, email us any content that contains confidential information. With respect to all emails you send to us, including but not limited to, feedback, questions, comments, suggestions, and the like, we shall be free to use any ideas, concepts, know-how, or techniques contained in your communications for any purpose whatsoever, including but not limited to, the development, production, and marketing of products and services that incorporate such information without compensation or attribution to you.
10. No Warranties; Limitations of Liability
We make no warranties or representations about the accuracy or completeness of our Website’s content or the content of any sites linked to our Website and assume no liability or responsibility for any: (i) errors, mistakes, or inaccuracies of content; (ii) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of our Website; (iii) any unauthorized access to or use of our secure servers and/or any and all personal information stored therein; (iv) any interruption or cessation of transmission to or from our Website; (v) any bugs, viruses, trojan horses, or the like which may be transmitted to or through our Website by any third party; and/or (vi) 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, emailed, transmitted, or otherwise made available through our Website. We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through our Website or any hyperlinked website or featured in any banner or other advertising, and we will not be a party to or in any way be responsible for monitoring any transaction between you and third-party providers of products or services.
To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (i) your use of our Website; (ii) your inability to access or use our Website; (iii) any conduct or content of any third party on our Website; (iv) any content obtained from our Website; and (v) unauthorized access, use, or alteration of your transmissions or content.
11. Indemnification
You agree to defend, indemnify, and hold harmless Cosmic Munay, its affiliates, and its and their respective officers, directors, employees, agents, successors, and assigns from and against any and all claims, actions, or demands, including without limitation reasonable legal and accounting fees, arising or resulting from your breach of this Agreement or your access to, use, or misuse of the Content or our Website. We shall provide notice to you of any such claim, suit, or proceeding. We reserve the right to assume the exclusive defense and control of any matter which is subject to indemnification under this section. In such case, you agree to cooperate with any reasonable requests assisting our defense.
12. Compliance with Applicable Laws
Our Website is based in Peru. We make no claims concerning whether the Content may be downloaded, viewed, or be appropriate for use outside of Peru. If you access our Website or the Content from outside of Peru, you do so at your own risk. Whether inside or outside of Peru, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.
13. Termination of the Agreement
We reserve the right, in our sole discretion, to restrict, suspend, or terminate this Agreement and your access to all or any part of our Website or the Content at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of our Website or the Content at any time without prior notice or liability.
14. Digital Millennium Copyright Act
Cosmic Munay respects the intellectual property rights of others and attempts to comply with all relevant laws. We will review all claims of copyright infringement received and remove any content deemed to have been posted or distributed in violation of any such laws.
Our designated copyright agent under the Digital Millennium Copyright Act (the “Act”) for the receipt of any Notices of Claimed Infringement which may be given under that Act is as follows:
Name of Agent Designated to Receive Notification of Claimed Infringement: Cosmic Munay
Email Address of Designated Agent: contact(at)cosmicmunay.com
15. Miscellaneous
This Agreement is governed by the internal substantive laws of Peru, without respect to its conflict of laws provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located in Cusco, Peru. If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. Failure of Cosmic Munay to act on or enforce any provision of this Agreement shall not be construed as a waiver of that provision or any other provision in this Agreement. No waiver shall be effective against Cosmic Munay unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. Except as expressly agreed by Cosmic Munay and you, this Agreement constitutes the entire Agreement between you and Cosmic Munay with respect to the subject matter and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter. The section headings are provided merely for convenience and shall not be given any legal import. This Agreement will inure to the benefit of our successors, assigns, licensees, and sublicensees.
You acknowledge and understand that if you do not agree with any of these Terms & Conditions, you will not use the Website and will not purchase any services offered through our Website or electronic invoice. If you have any questions about this Agreement, please contact us at contact(at)cosmicmunay.com.
Thank you for visiting our Website and we hope to see you soon.