Independent Advisor Agreement

This Independent Advisor Agreement ("Agreement") is entered into between you ("Advisor", "you") and Blue Readings Live ("Platform", "we", "us") as of the date you sign it electronically below.

1. Independent contractor relationship

You are an independent contractor, not an employee, partner, agent, or joint venturer of the Platform. You are solely responsible for your own taxes (including self-employment tax), insurance, equipment, internet connection, and work environment. The Platform will issue a 1099-NEC to US Advisors who earn $600 or more in a calendar year.

2. Services

You will provide spiritual, intuitive, and entertainment-based advisory services to clients of the Platform via live streams, paid live questions, gifts, calls, texts, and Blue Signal sessions. All services are for entertainment purposes only and you will not provide medical, legal, psychological, psychiatric, or financial advice.

3. No off-platform solicitation (NON-CIRCUMVENTION)

This is a material term of this Agreement. During the term of this Agreement and for a period of twenty-four (24) months following its termination, you agree that you will not, directly or indirectly:

• Solicit, contact, or attempt to do business with any client you met, were introduced to, or interacted with through the Platform outside of the Platform.
• Share, suggest, or accept any phone number, email address, social media handle, payment app (Cash App, Venmo, Zelle, PayPal, crypto wallet, etc.), website, or other off-platform contact method with a client.
• Suggest, request, or accept payment from a client outside of the Platform's payment system.
• Promote, advertise, or refer clients to any competing service, your own private practice, or any third-party reading service.

Liquidated damages. Because off-platform diversion is difficult to measure precisely, you agree that for each violation, the Platform is entitled to liquidated damages equal to the greater of (a) $2,500 per incident, or (b) twelve (12) months of the average revenue that client generated on the Platform, plus reasonable attorneys' fees and forfeiture of any unpaid balance.

4. Confidentiality

You will treat all client information, session content, Platform analytics, and internal communications as strictly confidential. You will not record, screenshot, share, post, or republish any session, message, or client information without written consent. This obligation survives termination indefinitely.

5. Intellectual property

You retain ownership of your original readings and personal intellectual property. You grant the Platform a worldwide, royalty-free, non-exclusive license to use, display, and promote clips of your live streams, your headshot, your bio, and your name for marketing the Platform. The Platform owns its name, logo, software, and any derivative works.

6. Conduct standards

You agree at all times to:

• Be courteous, professional, and respectful to clients, staff, and other advisors.
• Show up for scheduled sessions and respond to accepted Signals within the published time windows.
• Not promise specific outcomes (winning the lottery, curing illness, "getting your ex back," guaranteed pregnancy, etc.).
• Not diagnose, prescribe, or treat any medical or mental-health condition.
• Not knowingly engage with anyone under 18; if a client appears to be a minor, end the session and report it.
• Not show explicit, harassing, hateful, or unlawful content on stream.
• Not impersonate another person or use a false identity.
• Not use AI-generated readings while representing them as live, in-person intuition (AI advisors must be clearly labeled).

6a. Activation fee

If your application is accepted, a one-time non-refundable activation fee of $50 USD is required before your advisor account is unlocked. This fee covers identity vetting, onboarding, and account setup. The fee is not refundable under any circumstances, including voluntary departure, suspension, or termination, and does not count toward future earnings or payouts. Until the fee is paid, your account remains in Pending Activation status and you cannot go live, accept calls/texts, or appear in the directory.

7. Compensation, fees, and payouts

Splits are: Calls / Texts / Blue Signals — 70% advisor / 30% platform. Live Q&A — 50/50 ($1 minimum). Gifts — tiered: under $5 → 50/50, $5–$25 → 65/35, $25+ → 70/30.

Payouts run automatically each Friday for balances over $25, with a 7-day rolling hold on new earnings to cover potential refunds and chargebacks. Payouts are made via Stripe Connect to your linked bank or debit card. The Platform may delay or hold a payout pending investigation of suspected fraud, chargebacks, or violations of this Agreement.

Splits and fees may change with at least 14 days notice posted in the Advisor Dashboard. Continued use after the effective date constitutes acceptance.

8. Chargebacks and reversals

If a client's payment is reversed, charged back, or refunded, the corresponding Advisor earnings will be deducted from your wallet or your next payout. If your balance is insufficient, you remain liable for the deficit.

9. KYC, identity, and Stripe Connect

Before receiving any payout, you must complete identity verification through our payment processor, Stripe. This includes providing your legal name, date of birth, address, government-issued ID, and SSN (US) or equivalent tax ID. Information you provide to Stripe is governed by Stripe's privacy policy and is not stored on our servers. You agree the information you provide to us and to Stripe is true, accurate, and current.

10. Truthful application

You represent that all information in your application — including legal name, date of birth, address, work history, references, resume, and headshot — is true and complete. Submitting false information is grounds for immediate termination and forfeiture of any pending earnings.

11. Term and termination

This Agreement begins on the date you sign and continues until terminated. Either party may terminate at any time with or without cause. The Platform may suspend or terminate your access immediately for any violation of this Agreement, the Platform's Terms of Service, or applicable law.

On termination: any unpaid balance is paid out on the next regular cycle minus reversals and damages. Sections 3 (Non-Circumvention), 4 (Confidentiality), 8 (Chargebacks), 12 (Indemnity), 13 (Liability), and 14 (Disputes) survive termination.

12. Indemnification

You will indemnify and hold harmless the Platform, its officers, employees, and affiliates from any claim, loss, or damage (including attorneys' fees) arising out of (a) your services to clients, (b) any breach of this Agreement, (c) any violation of law by you, or (d) any claim by a client or third party related to advice you gave.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLATFORM IS NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. THE PLATFORM'S TOTAL LIABILITY UNDER THIS AGREEMENT IS LIMITED TO THE AMOUNT OF FEES THE PLATFORM EARNED FROM YOUR ACTIVITY IN THE 90 DAYS BEFORE THE CLAIM.

14. Disputes, governing law, and arbitration

This Agreement is governed by the laws of the State of Florida, without regard to conflict-of-laws rules. Any dispute will be resolved by binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. You and the Platform waive any right to a jury trial or to participate in a class action. Either party may seek injunctive relief in court for breach of Sections 3 or 4.

15. Entire agreement; modifications

This Agreement, together with the Platform's Terms of Service, Privacy Policy, and Payout Guide, is the entire agreement between you and the Platform on this subject. Material changes will be announced at least 14 days in advance in the Advisor Dashboard; continued use after the effective date constitutes acceptance.

16. Electronic signature

By typing your full legal name and clicking "I agree and submit" on the application page, you acknowledge that you have read, understood, and agreed to every section of this Agreement, and that your typed name is your legal electronic signature with the same force as a handwritten one.

Agreement version: v1.0-2026-05-11