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6/29/2010
Hi All!
Below is the current list of site RULES, PROTOCOLS & ANNOUNCEMENTS
Please read & review, and acknowledge to Jayson that you understand and
agree to all of the following items
SUGGESTION: If you are able to print out all the pages (approx. 25)- you can then use the check boxes to
check off all items once you are totally familiar with their content
1
)
1099/TAX INFO
2A
) HONOR SYSTEM-"A"
2B
) HONOR SYSTEM-"B"
3
) NRR
4
) ADD TIME BACK
5
) SHORT SESSIONS <3m
6
) PROFILE STATUS
7
) "WARNINGS"
8
) BANNING
9
) ADD LOST TIME
10
) STANDBY FEATURE
11
) ONE SIDED CHATS
12
) EMAILING PROTCOL
13
) E-READINGS
14 ) "ABORT CHAT" NOTICE 15 ) DOB/1ST NAMES 16 ) ASIAN/FOREIGN CLIENTS 17 ) "1 MINUTE REMAINING" 18 ) CHATROOM STATUS 19 ) "BMT"
20
) YAHOO CHAT
21
) INVOICES
22
) INVOICES- "HOW...."
23
) CHARGEBACKS
24
) CHARGESBACKS- "Q&A"
25
) PAY
ANNOUNCEMENTS: "
FACEBOOK
" "
NEW SITE
" "
ARTICLES
"
before reviewing these rules/protocols- let me say (actually repeat) the following:
Following Protocols:
some of you are NOT following protocols properly. So it leaves
me no choice but to do the following:
I
will not fire a reader
who does not follow site required protocols- unless they persistently break the rules
But i will remove
them from visibility on the site -when they are not adhering to all rules
The
site's success depends on your participation and following all protocols:
from proper email format to
keeping yahoo chat OPEN when
logged onto the site, making sure your room closes properly & especially watching for GBs etc etc
2A)
"HONOR SYSTEM" (parts 1 & 2):
PLEASE READ CAREFULLY!
Dear Readers
I
am trying to get us to where invoicing is as automated as possible...
A while back i sent you all a
NEW RULE: which i called HONOR SYSTEM
A
lot of you are not following this rule & its forcing me to eat up too much time deleting pay on NO-PAY
Sessions
In addition I may have confused some of you in the email where I described the new
rule
With
that said- here it is again with an example of the type of NO-PAY chat im referring to:
First off-
Please remember that in most cases the system will NOT pay you on any chats where the client never made it
into your room or where you or the client can not see each other
It also wont pay on ADD LOST TIME ended
chats, or on BANNED CLIENT ones either....
However
the system sometimes makes errors on doing this
So PART 1 of the
new rule goes as follows:
ALWAYS check your balance/history on any chat that lasted less
than 3-4mins-
If you see or know that the client never made it into your room or you could not see
each other or you used ADD LOST TIME or used the BANNING TOOL & YOU ARE STILL BEING PAID FOR THAT
SESSION- then you must give back the entire time back to the client- by using the
"AFTER THE SESSION ENDED METHOD"- that i have trained all of you on (see instructions
below)
BUT!
here is where many of you are not following the rule entirely and its also where i may have confused some of
you:
2B)
PART 2 of HONOR SYSTEM rule:
On some actual successful readings, where you had conversation
with the client but which may have lasted less than 3 to 4 mins- you are definitely entitled to be
paid...
But on others- NOT!
this
is where the HONOR SYSTEM comes in
If you have any session lasting less than 3-4 mins and you do not
receive an NRR from the client- but YOU feel it was not a substantial
reading- then you have to give the time back yourself!
Here is one example
of an actual recent reading that lasted less than 3mins-
in which the reader should have given time back
but did not
I have removed
the reader name for obvious reasons:
(06:32:52 pm) READER: Hi there
(06:32:56 pm) READER: How are you?
(06:32:56 pm) CLIENT:
Hello.
(06:33:01 pm) READER: may I have your name and dob
(06:33:02
pm) CLIENT: Im great, thanks
(06:33:38 pm) READER: thats good to hear
(06:34:05 pm) : *** Reader is
typing ***
(06:34:08 pm) READER: Are you still with me?
(06:34:27 pm) The reader has ended the
session
In the above chat which the client disappeared from- the
reader did not go in to double check their balance right afterwards and
did not add the time back- they should have done so- because pay was added to the reader balance from this
session
The
reason the reader did not follow the rule:
client returned right away to continue the chat
successfully
They Reader really should not have earned on this session at all--EVEN IF THE CLIENT
RETURNED! Yes I know the Reader spent some time on this session- but nothing was "given" to the
client so it can not really be considered a " to be continued" session*
hence- time used should
not have been paid to the reader for it
*Even though we
might agree that it was part of an eventual successful chat between the
same reader and client-
the system does not know this and only the Reader or I can or should determine
the outcome on whether to pay or
not for any session with similar outcome...
Here is an example of a really short "SUBSTANTIAL" session that the Reader SHOULD be paid for- regardless of whether it was a "continued" session or not:
(06:32:52 pm) READER: Hi there Betty!
(06:32:56 pm) READER: How have you
been?
(06:33:10 pm) CLIENT: Hello.
(06:33:20
pm) CLIENT: Im great, thanks
(06:34:02
pm) CLIENT: Will Barak call me soon?
(06:34:05 pm) : *** Reader is typing ***
(06:34:08 pm) READER: Yes! He will-
probably tomorrow night- with a surprise!
(06:33:02
pm) CLIENT: great.... thanks
(06:34:56 pm) READER: Betty?? Still here?
(06:35:56 pm) READER: Betty?
(06:36:01 pm) The reader has ended the
session
yes! the Reader should be paid for this one: They answered the question- even though the
client disappeared at the end...
However the Reader needs to then send in a "SHORT SESSION" email to Jayson, so he knows to pay on
it
Keep in mind...
i go through and delete quite a number of chats like the former one (not the
latter) each month-
Most are where the client did not return or
ended up with another reader
Chat
deletion is eating up my precious time needed to help Diana promote our sites
So,
please remember that it is all of your responsibilities to watch for this kind of occurrence- and act
accordingly
We trust that all of
you will remove pay when its
necessary or warranted
I need all of you to reply and confirm that you understand the HONOR SYSTEM
rule
*******************************************
3)
NRR FORM: What is is & "How To":
Clients who are unhappy with any session (for whatever the reason) can request time back
directly from you:
They send in the NRR form and you will receive it in your email as well as on the top of your acct page.
You have 3 options when deciding on how to handle the form:
1) comply 100% with the client request and give back the full amount of time they requested from you
2) partially comply and give back what YOU feel is FAIR
3) Refuse to give back any time at all-- NOTE! If you opt for this - then you MUST email me and Diana as to
why- DO NOT respond to the client at all- until we tell you to
After you do give back time to the client- then you can remove the notification from your acct page- but not
before you receive comfirmation in your email that the time was given back.
Your
notification will arrive to you 3 ways=
email and/or message ctr-- you will also receive notification on
your account page
Please
do not remove the notice until you have actually gone to your HISTORY and given back the time that the
client requested- or until we tell you its ok to remove the notice
When you open the notice found
on your acct page- it allows you to FINISH/DELETE...
when you press that
option it does NOT add the time back to the client!!!!!
You
still have to go to HISTORY to add time back
Clicking the FINISH
option only removes the request from your account page
Any Qs- email me or Soper
**************************************
4)
HOW TO ADD TIME BACK (for the HONOR SYSTEM and NRRs)
1) check your total balance for the current pay period
2) choose the client/chat you want to return time to
3) take note of the amount you are being paid for that session
4) click the FAR LEFT link for the session in question (its the DATE)
5) a new page will appear- with lots of info on it- PLEASE IGNORE ALL THE INFO you see there, except...
6) scroll down to bottom of that page- you will see "ADD LOST..." there
7) choose either PAID (for paid sessions) or FREEBIE for FREE clients
8) use the drop down menu to select amount of time to give back= making sure you do NOT select
"ALL" unless your intention is to give back ALL time
9) select the amount and re-confirm when the system asks you to
10) check your email and your balances- if no change or you do not get the email confirmation: then:
refresh the balance page- still no change and/or no email?- then you may have to redo the ADD TIME BACK
again
NOTE! I NEED ALL NEW READERS TO ADD 1 or 2 MINUTES TO ANY PAYING CLIENT OF YOUR CHOICE
RIGHT NOW!
We need to make sure you understand how it works
************************************************
5)
NEWRULE: short sessions (under 3mins)
READ CAREFULLY!
Re:
under 3-4mins sessions & lost pay to reader:
As most of you know- either I or Diana review all
sessions lasting less than 3-4mins and we often delete ones that should have fallen under the new HONOR
SYSTEM...
While removing these types of sessions recently-
I noticed in some cases that the 3mins sessions were continuations of immediately preceding chats- or they were
the initial chat that may have failed- to which the client returned almost
immediately....
And because when we
review
the sessions- we really only see the short ones (3mins or less)
We do not have the time to search
thru other sessions to try to match them up- to see if they were continuations.
In which case- if we
delete the short session from your pay- we may actually be wrongly cutting your pay- especially
if
the session was continued or a continuation of another session (on same day- within a few hours)
So!
going forward, in order that readers do not lose any pay on sessions that were continuations or initial
ones to longer sessions (that failed)-
the new rule is:
All readers must email Jayson &
Diana
with a short message stating that:
SUBJECT: "SHORT SESSION" (place in subject line)
Session
with______(client) on: _______(date) Session ID#:_______ :
Is a continuation/preceding
chat to SESSION #:______ & I wish to get paid
for both sessions
If we do not receive an email to this effect and we deem the session to be
unwarranted for pay- it will be definitely
deleted from your account
This new rule IS TO YOUR BENEFIT- SO
PLEASE
ADHERE TO IT CAREFULLY
If you send me an email for "short sessions" and it does not follow the above protocol= I
will trash it and not comply
IMPORTANT! WHEN YOU HAVE A FAILED SESSION
WHERE ONLY SOME OF YOUR PERTINENT INFO GOT POSTED TO THE CLIENT- PLEASE
REMEMBER TO SEND A COPY OF THE TRANSCRIPT TO THE CLIENT AND INVITE THEM BACK
IN.
****************************************************
6)
PROFILE STATUS:
If you are not online for more than 3 days in a row, or less than the
12hrs min requirement- without letting us know ahead of time-
your profile will be turned off/removed
from visibility on the site until you contact us.
E-READING
STATUS:
If you are not online for more than 3 days in a row- without
letting us know ahead of time, or without de-activating your E-Reading status yourself:
your
E-reading capability will be turned off- PERMANENTLY!
So here is how this rule works: Plan on being offline for more
than 3 days in a row?- or circumstance finds you in that situation-
you MUST NOTIFY Jayson &/or Diana ASAP
via yahoo chat, email or phone: 1 800 337 8465
***********************************************
7)
WARNINGS IN CHAT
& EMAIL:
If you receive a warning in your room:
2nd account
abuser, or you get the email warning first and then that client enters
your room:
You must ban them right away
Do not put them on
hold to ask me what to do, do not log them out without banning them
This
has always been the rule!
****************************************
8)
BAN FIRST! ASK
Qs NEVER!
Don't hesitate to Ban any client WHEN IN DOUBT....the client
will contact me or cust srvc if they dont know why they have been
banned
I can always un-ban any client if need be
The only time
you should NOT ban is if the DOB is off SLIGHTLY (in
which case you
should tell the client to contact us to fix the problem)
***********************************************
9)
ADD LOST TIME FEATURE & END SESSION
Please remember to use the ADD LOST TIME feature under these circumstances:
When client never makes it into your room
If a client tells you that they can not see your typing
If a client tells you they are unhappy with your session- please do not continue the session!
BUT!= They
must let you know within the first 5-7mins of the chat:
If they let you know at any point after that- please tell them to contact support and log them out normally-
using END SESSION
When you feel you are not connecting to the client "psychically"- ALWAYS USE ADD LOST TIME
Please do not use the ADD LOST TIME when kicking out underagers, G.B.s, 2nd account abusers- etc. Always use the BAN tool on those types
NOTE! If a
NEW client leaves the chat, right after their free time has ended- Please
try to end the chat properly
Please do not just X out of the room -- you
MUST hit END SESSION- otherwise it will mess up invoicing and transcripts
*****************************************************
10)
STANDBY (Pause) FEATURE:
Do NOT use the pause timer button- unless absolutely necessary-
its not stable
enough in our current chat...
If you feel you want to give time back for shuffling cards or thinking out
your answer to the client-
then please ADD THE TIME BACK (small amounts of time) AFTER THE SESSION
HAS ENDED (HONOR/NRR system)
Many
of you use STANDBY- which is fine...
but some of you do not check to see if you turned it off during the
chat
ONE READER IN PARTICULAR DID
NOT TURN IT OFF DURING MORE THAN 7 SESSIONS-
THIS COST BOTH THE READER & THE SITE $$$$-
check to make sure your timer is working and ticking away properly/ check to make sure
STAND BY is OFF when you actually turn it off!
It will state as such in the room!
********************************************************
11)
ONE SIDED CHATS:
I discovered that many of you keep typing away- and to do not check to see
if your client is really there
On many chats- I have seen that only the reader is doing all the
conversing (to thin air) for more than 2-3mins
THIS IS BAD!
And I made a rule about this months
ago:
Here it is again:
NEW RULE: (old rule reminder):
ALWAYS ASK IF YOUR CLIENT IS SEEING
YOUR POSTINGS- ASK
THIS AFTER AT LEAST 45seconds to a minute, or 3-5 postings from you- if
you do not see your clients responding at all
but NO NEED TO ASK IF YOU KNOW/SEE THEY ARE THERE
NEW
RULE applied to the above situation:
ALWAYS
REVIEW YOUR SESSIONS (check transcripts shortly after a session has ended- at the end of the night is a good
time)
If you see that the client was not responding- and you were posting pertinent info to them (2mins
or more)
then:
YOU MUST EMAIL THEM A COPY OF THE TRANSCRIPT
ASAP (only if you were the only one appearing in the chat)
I found a number of chats like
these
and we cant be sure the client went back in to view their sessions
As a courtesy- please send
them copies with an apology that the room may have failed
***********************************************
12)
SENDING
EMAILS TO CLIENTS
If you have forgotten what the
protocol for emailing is:
1) always place this message at the BOTTOM of your email to the client (new or
replies):
"PLEASE
REMEMBER TO REMOVE MY ORIG. MESSAGE & THE SUBJECT BEFORE REPLYING BACK TO ME"
2)
ALWAYS REMOVE THEIR ORIG. MESSAGE/SUBJECT BEFORE REPLYING BACK TO THE CLIENT
3) TRY TO NEVER TYPE THESE WORDS/NUMBERS/SYMBOLS TO YOUR CLIENTS:
"email(s)" {use the word message
instead}
"contact"
"contact
me"
any/all numbers (if you can avoid them)
@
sign
Try to strip out any session # that appears in any email you send
The above rules apply to
ALL correspondence sent to/from clients- incl. e-reads
About mass emailings to clients:
do NOT select 'ALL clients' when sending emails out- i never gave anyone permission to do
so
Soper put that in place for the future- not for use now-
we will be considered SPAMMERS if we
send out emails to all our clients at the same time
a while back- 3 of you used this feature in the same
day- which equaled over 700 emails!!!!!
NOT GOOD! & HUGE MESS!
if you want to "advertise" yourself via our email system- that's fine- but no
more than 15 emails per 24hr period per Reader
******************************************
13)
E-READING orders:
If you receive notice of a PENDING e-reading order Please do NOT start working on the order
until the status changes to ACTIVE
PENDING means we are waiting for payment from the client
However-
sometimes the client paid using PayPal
but the status does not change
due to script errors from PayPal--
In cases like this- we will let you know when its ok to start on the
reading
Any
Qs- ask me
***************************************************
14)
"ABORT
CHAT" EMAILS:
If you have a failed chat or you get one of those
"____Aborted chat with___" emails
and then you ALSO receive an NRR form from the client you
must then:
ALWAYS CHECK YOUR BALANCE FOR THAT
CLIENT SESSION to see if you got paid for the failed/Aborted session or not
DO
NOT ADD
TIME BACK TO ANY CLIENT IF YOU DEFINITELY DID NOT
GET PAID FOR THEIR FAILED SESSION
Even if you do not get an NRR from the client but you got an ABORT email- you should
check your balance and if you got paid- use the HONOR SYSTEM to give back the time to the
client
*****************************************************
15)
ASKING FOR DOB/FIRST NAMES:
Please do NOT ask clients you have already read for- for their name/dob
Keep a list
handy of your clients so you won't forget who is new and who is not
Asking them repeatedly every
time they come into your room- wastes their time and yours
When asking for their name- do NOT say can i
have your name
you must ask for specifically for their FIRST NAME & DOB ONLY
Otherwise
they have been giving some of you their last names
We do not allow that
ALSO!- if a
"repeater"
to you says- Im "____" & that is NOT the person you expected, know, or chatted with
before under the username they entered with - then BAN
THEM!
***************************************************
16)
ASIAN/FOREIGN CLIENTS
You have to bend the rules sometimes=
Please do not rush to
ban some Asian clients who have their REAL name appear in
the info window as Hiasang or MyLing or Ho chi Min or whatever! but then tell you their name is Mary or
Kathy or John
MANY Asians Americanize their names, or choose English names when they migrate to Western
countries.
The key to determining if the person is the credit
card holder or not- is to ask them
who is the person appearing on the credit
card? and
then ask them who is ____ (the English name they have told you)- you then have to decide whether to continue
or ban them
Im sure most will answer that they also use that name (Americanized one)
Please
use the StandBy button while asking them for this info- but as always- WATCH IT & make certain its
off when you turn it off!
Any Qs- email me
17)
"1 MINUTE REMAINING" -NEW RULE!
When chatting with your clients- Im
sure most of you have noticed the message in red that states /client has 1 minute remaining/
When you see
that message and the client does NOT add more time to the chat:
PLEASE DO NOT CONTINUE CHATTING WHEN THE
TIMER HITS ZERO!!
YOU
MUST END THE CHAT WHEN THAT REMAINING MINUTE IS UP! UNLESS
YOU SEE THAT THE CLIENT HAS ADDED TIME
- BY BUYING MORE OR PULLING TIME FROM THEIR ACCOUNT
SOME OF YOU HAVE BEEN GOING WAY PAST THE LAST MINUTE
MARK!
WE CAN NOT PAY YOU FOR ERRONEOUS TIME IF YOU IGNORE THE 1 MINUTE REMAINING MARK!
As far as I know- the current chat system does not end automatically- but the new one
will!
Any Qs: email me
*************************************************
18)
CHATROOM STATUS:
Again
many of you are not closing out your rooms properly or checking your status
I keep finding readers stuck
on break or with rooms left open!
This
is due to puter freeze on the refresh of the rooms (rooms refresh themselves every 45sec- they get stuck
sometimes)
RULE REMINDER:
PLEASE,
PLEASE- check your status often by looking at our home page (
psychic-contact.com
)
VIA ANOTHER
BROWSER
Checking your status via the chat monitor window
is NOT the proper way to verify your status
WHEN YOU PLAN ON BEING LOGGED OFF FOR ANY PERIOD OF TIME- YOU MUST CHECK YOUR ROOM STATUS FROM A FRESH
BROWSER!
***************************************************
19)
BMT FEATURE: KNOWN BUG
Please pay extra attention whenever any client Buys More Time- especially CA clients- ask
them how much they purchased on the BMT &--
If the timer doubles up== End
Session after telling the client to come back in...
Check the timer when they return- the newly purchased
time should be showing there
********************************************
20)
YAHOO CHAT REQUIREMENT
When you are logged onto PSYCON- you must also be logged onto Yahoo chat,
so that I can get a hold of you when
necessary-- even if you are chatting w/a client
Do not log off
of yahoo chat when you get a client
In many cases the reason i need to talk to you might be about the
client you are chatting with.
*******************************************
21)
INVOICING:
RE: INVOICING
Some
of you are saying that the
auto-invoices* being generated at the end of each pay period are not
correct
(* see below #19 on how the new auto-invoicing
works)
Please remember- its each of your responsibility to keep
full tabs (on paper or at least saved on your puter) for all your
sessions/orders you do
Remember to deduct all ADD LOST TIME
sessions- BANNED CLIENT SESSIONS- FAILED SESSIONS & ALL HONOR TIME
you give back
Remember to toggle USA or CA orders when checking
your balances- then add together
**********************************************************
22)
*HOW THE NEW AUTO-INVOICES WORK:
1)
end of pay period: automated PROPOSED invoices get generated
2) I then go
in and remove any 0.00 pay sessions from history and deduct any HONOR
SYSTEM sessions that got missed by any Readers (this is where your
PROPOSED INVOICE will have a different total than the final one)
3)
then after i go thru all readers pay/sessions- I force another final
auto-invoice to all readers which has the final total owed= "ACTUAL"
23)
CHARGEBACKS
How the Readers are responsible for them:
Diana and I feel that even though a vote made years ago had it so that all readers shared equally in
paying the site back for monies taken for chargebacks;
we now feel the following is more appropriate:
If a client or their bank puts in for chargebacks and only one reader read for that client 100%= then
that reader should pay the site back for the amount deducted,
If more than one reader read for the person- its too cumbersome to figure out who owes what and what not!
So in those cases where more than 1 Reader read for a C.B. client- then ALL Readers, regardless of who did
the actual Reading(s)- will share in the return of the monies- equally.
A few of you have emailed me disgruntled with this new (actually really old) CB recovery
system
Let
me explain some things
We have one of the most secure and stringent security systems in place
My merchant accounts
have told me so...
Most
other sites like ours get hundreds of chargebacks each MONTH! we are nowhere need that point!
And due to our stringent security and policies- we hopefully keep the excellent track record going!
To those of you who work elsewhere and don't get paid for weeks at a time (I've heard 6 is average)- its
because the company is "holding your money" to cover chargebacks!
I would never do it like that- hence the 2 funds I set up.
But chargebacks can occur for lots of
reasons and most have very little to do with our warning system failing or readers goofing or making errors
about GBs or other types of clients who should not be read for at all-
Some of which has happened
frequently
lately
Our warning system catches GenderBenders
Freebie abusers, underagers, duplicate account
holders, parrots who log on for readings, Julio's cousin etc etc ...
It can not and never will detect
clients who,down the road- lie and claim they did not order readings from us.
Or other people who
actually had their cards stolen
and the thief used our services
Or ones like Melissar whose husband shared her credit card (both
names were on it) and when they were in the middle of a divorce- he put in for $3500.00 worth of chargebacks
thru AMEX
Which
could not be fought
Or the idiot client who also tried to put in
for $4,000.00 in chargebacks because I fired her favorite Reader 5 yrs ago-
AMEX gave her 350.00 and
told her to drop it & take a hike!!
We
have NO control or way of knowing when situations like these are going to occur!
NOTE! Refunds are
NOT chargebacks!!!
They are 2 different scenarios!
Refunds are when a client asks for money back
from me directly- usually because they are unhappy for some reason with our services or with a
reader..
In MOST cases I work it out with
them for time back instead
PLUS the new NRR system has helped curtail both refunds and chargebacks
alot recently
We have not had any refunds on fully completed orders since Jan of \'09 !!!
One of you
suggested that we limit refunds
WE DO!
Any client asking for one is given the option for time back on
full orders
If they ask more
than 2x (refusing time back) we usually BAN THEM- unless they order a tremendous amount from us and have a
legit reason for asking for a full refund
Let me also remind you that ALL new clients have ordering
limits until they are with us for more than 6mos
This also curtails high dollar amount
chargebacks
However there are, due to this economy certain clients who will lie to get their money
back by putting in for chargebacks using bogus reasons- even almost a year later!
THOSE
SO CALLED CLIENTS ARE BANNED BY ME IMMEDIATELY!
But as stated above- we have no control over actual
charegebacks, when they occur, how
much they can be for, or who initiated them!
Hence I can not make rules to clients about them
IN
FACT! some chargebacks are initiated by the card holders bank directly- without the cardholder even
knowing it!
Some banks do not allow internet transactions over a certain amount from their card holder
clients (our customers) & they
then contact my merchant accounts (i have 2) and force chargebacks on us
When this happens- I or Diana
usually call the client and ask them
to kindly repay us back by money order, western union or check
Some agree, some do not
those who do
not agree get banned
Last year we had a lot of these.
So let me repeat:
Chargebacks
themselves are the "revenue eating" issue here more than 95% of the time-
not
Genderbenders where Readers
goofed and let a bogus client get a session or 2
That does happen- but not as much as chargebacks coming
to us unaware or out of the blue
Refunds
are almost a moot point now
but if i did not mention them in my previous emails- i would be remiss in
doing so...
Let me also state this to all now:
The readers earn almost 50% of the Gross coming
into the site
The Merchant accounts charge me fees on all orders. I have corporate taxes to pay,
accountant fees, hosting fees, admin and programmer salaries, domain registration fees, fees required by the
merchant account
bank to monitor security on the site, phone fees, occasional advertising fees,
etc etc
TO THE READERS WHO SUGGESTED THAT I EAT
ALL (100%) OF THE CHARGEBACKS COMING IN:
Not only did that piss me off hearing this from 2 of you-
but i have 2 words in answer to that rude suggestion: NO FRIGGIN WAY!
I know some of you dont
have a full understanding on how a merchant account on the internet works
I
hope the above explanations helped those of you who have doubts or are confused....
The following (#24) should also help:
************************************
24)
CHARGEBACKS: Q & A:
Some of you have asked pertinent and good Qs
about the chargeback situation
Below are some Q&As regarding
it all
But first a history rehash:..
Some years back all the Readers at that time voted to have
everyone share in ALL chargebacks and
refunds (where the reader got paid and money got returned to the client
or holder of the credit card)
Some of you may remember this vote--
Everyone
wanted it this way rather than have individual readers pay for entire amounts that got returned by the
site
But I NEVER enforced it- but now i have to, due to the increase in recent CBs
But do remember the new change I mentioned above when its only 1 Reader responsible for a client's
chargebacks/refunds
With that said...
I have basically set up 2 CB Funds:
1:
CB DEDUCTION FUND: "CB FUND"
2:
LEAVE SITE DEDUCTION FUND: "LEAVE FUND"
#
1 is to cover any and all CBs and/or Refunds going forward
#2 is for monies held after a Reader leaves
the site permanently
Please be aware that a few years back, and combined with some C.B.s from last
year= we got hit really hard with approx. $6,000.00 (total) worth of chargebacks from 3 clients
I have
decided to eat more than half of that amount and divide the rest among the readers who were working here
at the time those chargebacks came in
I
will notify those readers individually soon in regards to how deductions will be made for those
CBs
******************
Here are some Qs with answers that I have received about the 2 funds going
foward:
Q: Can these deductions be in CA funds from monies owed to us from the CA site?-
A:
No- sorry- they must be in US funds because the orig client payments arrive in US funds and then get taken
from the site by the banks in US funds from my US business acct when there are CBs or refunds...
Can
not mix the 2.
CBs from the CA site are addressed below
Q: Isnt there a way to fight the
chargebacks?-
A: Yes- and I have tried to with our Merchant Acct-
but unsuccessfully, due to the original charges being placed over the internet & not in person by the
client
Merchant
banks favor the card holders- not the merchant
Q: How long does a client or bank
have to put in for
CBs?
Usually its 6mos to a year depending on the card used
This is why I feel we need to hold all
monies in the funds for 14mos to be on
the safe side
Q: Can you break up these deductions from us?-
A:
Yes as stated in my first email on this situation
NOTE! I need all of you to email me how you want
the payments broken up.
Q: Will newer readers be responsible for recent CBs from before they were
here?-
A: Yes- but only if the client whose charges got CBd- also
placed orders after newer readers joined the site-- it may not seem fair- but has to be this way because its
too complicated to figure out how to divide up the totals taken by the bank among all the readers who may
have read for certain clients based on when they started. (this applies only to more recent CBs- not the
$6000.00 debacle)
Q: Will we each get the monies deducted from us back eventually?-
A:
YES! Some of the funds or possibly ALL- Here is how:
For the $50.00 LEAVE SITE DEDUCTION
FUND:
If you leave the site (for whatever reason)- We will hold your $50.00 from the Leave Site
Deduction
fund for 14mos from the date you left-
During that time if any CBs arrive for actual orders placed while
you were a reader on the site- we will take the fees from this fund- but only after the CB fund (#1) first
gets depleted.
Any and all money NOT used for chargebacks/refunds will be returned to you by me using
PayPal or check- but only
after 14mos of holding the monies.
Re: the 2.00/per pay period deduction:
After every 25 pay
periods have passed
(which equals $50.00 per reader)
The same method will apply:
Any chargebacks
that come in will be covered by the CHARGEBACK FUND
Whatever
monies are left over (not used) after 14 months will be returned to the
Readers
Technically this means that some of the CB funded monies will end up being held for more than
14mos
Remember the 14mos starts once your total held reaches 50.00
Q: How Will chargebacks from
the CA site be handled?-
A: Diana may instill another policy for the CA site- I need to discuss this
with her next week (she is away now)
Q:
What is the best method to have my CB funds be deducted?-
A: Its
up to all of you individually-
Obviously it must be $2.00 + some extra per pay period
You all need to
decide individually how much you
want me to take per pay period
Q: How will we know how much has been taken from us and how much has
been chargebacked to the site?-
A:
Jayson will keep detailed records and email each reader after every 50.00 has been taken.
As for
Chargebacks- I am not allowed to divulge
who the actual person was that put in for chargebacks- but i will divulge the username, the reasons (if
known) and the date & total amount of the chargeback(s)
Q: Can the funds be placed into an
interest bearing account?-
A: Probably- I need to look into this for the best way to do it.
It
will probably mean using paypal to hold
the funds- but im not sure yet of the best way to approach this
Q: Lets say I am a Reader who read for 1 client and that client put in for chargebacks on
all the sessions- How much am I responsible for giving back to the site?
A: Exactly the amount that was paid to you for those sessions
Q: Will the other Readers share in giving back any funds for that 1 client?
A: No, not unless they Read for that client
Q: Where will the money I owe back to the site, for those chargebacks come from?
A: From your CB FUND- it there is not enough in there to cover the full amount- We will
work something out with you - probabably a small additional deduction each pay
period
********************
TO ALL D/D READERS: (paypal readers see note at bottom)
the Bank has
changed the way they
process the D/D payroll
They now
determine the deposit date ahead of time for the next 12months
I have
no control over this!!!!
Please do not ask me to try to change
the actual deposit dates- I can no longer activate or choose the dates
myself
In most cases the actual deposit dates are within 5 days of
the pay period ending
Im sorry that I can
not get them to change the dates that they have set. (see calendar of pay dates below- PRINT IT OUT
PLEASE!)
PayPal Readers: this
new system does NOT
effect you- but to be fair
I will try to have both payroll systems
coincide within in 2 days before or after DD gets taken out of my bank
REMINDER!
NO
MORE ADVANCES REQUESTS AT ALL!
Below is the new schedule as set up by the payroll company
Here
is how it works-
on each line are 4 dates going across (date range)
the first date is the
START OF PAY PEIOD date
the 2nd date is the END OF PAY PERIOD date
the 3rd date {"check date"} is the approx date the funds hit
your bank
the 4th date is primarily for me to approve the DD (direct deposit) by in order for
the funds to reach your bank on or before the "check date"
P/P Readers- I will try to follow the schedule for your pay as close
as possible- within a 2-3 day period in either direction.
here is the schedule:
PLEASE PRINT IT OUT SO YOU ALWAYS KNOW WHEN TO EXPECT PAY
Reminder: CA Pay has its own schedule!
| Period Start Date |
Period End Date |
Check Date | Approve By | |
| 3/1/2011 | 3/15/2011 | 3/21/2011 | 3/17/2011 | |
| 3/16/2011 | 3/31/2011 | 4/6/2011 | 4/4/2011 | |
| 4/1/2011 | 4/15/2011 | 4/20/2011 | 4/18/2011 | |
| 4/16/2011 | 4/30/2011 | 5/5/2011 | 5/3/2011 | |
| 5/1/2011 | 5/15/2011 | 5/19/2011 | 5/17/2011 | |
| 5/16/2011 | 5/31/2011 | 6/6/2011 | 6/2/2011 | |
| 6/1/2011 | 6/15/2011 | 6/21/2011 | 6/17/2011 | |
| 6/16/2011 | 6/30/2011 | 7/7/2011 | 7/5/2011 | |
| 7/1/2011 | 7/15/2011 | 7/20/2011 | 7/18/2011 | |
| 7/16/2011 | 7/31/2011 | 8/4/2011 | 8/2/2011 | |
| 8/1/2011 | 8/15/2011 | 8/19/2011 | 8/17/2011 | |
| 8/16/2011 | 8/31/2011 | 9/7/2011 | 9/2/2011 | |
| 9/1/2011 | 9/15/2011 | 9/21/2011 | 9/19/2011 | |
| 9/16/2011 | 9/30/2011 | 10/5/2011 | 10/3/2011 | |
| 10/1/2011 | 10/15/2011 | 10/19/2011 | 10/17/2011 | |
| 10/16/2011 | 10/31/2011 | 11/4/2011 | 11/2/2011 | |
| 11/1/2011 | 11/15/2011 | 11/21/2011 | 11/17/2011 | |
| 11/16/2011 | 11/30/2011 | 12/6/2011 | 12/2/2011 | |
| 12/1/2011 | 12/15/2011 | 12/21/2011 | 12/19/2011 | |
| 12/16/2011 | 12/31/2011 | 1/5/2012 | 1/3/2012 | |
| 1/1/2012 | 1/15/2012 | 1/19/2012 | 1/17/2012 | |
| 1/16/2012 | 1/31/2012 | 2/6/2012 | 2/2/2012 |
Any Qs- email or chat jayson
*************************************************
ANNOUNCEMENTS
FACEBOOK!
Diana
has set up a new Facebook
account for
PSYCON and we need all of your participation in this endeavor...
Doing
so- will increase exposure to our site in the search engines- as well
as potentially increase new clients & orders to the site.
Since
last night when Diana initially set up the new account- we now have
more than 12 members!
{Last count we have 30 now}
The premise
for this new
group will be psychic & spiritually related comments, stories,
questions etc
We need all of you to participate by joining the
group (link found below) ASAP
But first some ground rules &
info:
Diana will be the admin/moderator for the new group
Watch for emails on this soon!!
***********************
NEW SITE:
Diana
had an idea for a site a while back
it was to be
like:
universal-class.com
(a
learning/teaching one on one site)
We had it programmed/designed
by John (our late programmer) back in 2006-07
its called:
worldwideclass.com
(not on the web right now)
we are about to re-design & launch
it soon
if you feel you might want to participate in this site
(yes you would get paid)
Please contact Diana with your
expertise/ideas/Qs ASAP
[email protected]
please
c/c me as well
**************************
ARTICLES:
Dear
Readers,
I NEED articles and lots of them.
1. I
need psychic related articles. As many as you can do. These will be
posted at Psychic Contact,
on your RASP site and perhaps on facebook.
2. I need non-psychic
related articles a.s.a.p. as well. These are for I'm Your Answer
(advice site). I
need these to start advertising and creating content for the site.
Any
questions - email me.
Diana
*********************************
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