Terms of Service

Correction of October 9, 2026: no change-of-mind refunds

On October 9, 2026 we removed every change-of-mind refund from new orders of every product: the Red-Pen File’s fit guarantee (a refund within 7 days if it doesn’t sound like you), Your 2027 Report Card’s 7-day “doesn’t sound like you” refund, and the case-by-case look at other requests within 7 days. All sales are final. Refunds for a reading that failed to generate, missing content, a calculation error, a double charge or a service stop stay as they were. The correction applies to orders placed after it, whose order step shows the new terms before payment; an order placed before it keeps the refund its order step showed.

Update to these Terms: Your 2027 — Episodes 2–10 + Extras

Posted October 8, 2026, effective October 8, 2026. We added a new paid item in English, “Your 2027 — Episodes 2–10 + Extras”, and its rules: Appendix: Your 2027 — Episodes 2–10 + Extras.

• Nothing in this update changes the terms of anything you already paid for.
• The appendix applies to an order of the book from its effective date: the order summary shows it, and you agree to it there before you pay.
• Corrected October 9, 2026: the 7-day “doesn’t sound like you” refund was removed from the appendix. All sales are final once the book opens (Episode 1 is free to try); calculation errors, missing content, double charges and a service stop are still refunded in full. An order placed before the correction keeps the refund its order summary showed.

Changes on October 5, 2026

On October 5, 2026 we added Your 2027 Report Card (the sections “Your 2027 Report Card” and “Appendix: how the 2027 report card is calculated” below). New first readings (the Red-Pen File) are no longer sold from the free result since October 5, 2026, and the launch discount is no longer offered there; the links in our emails that announced it still work until it ends (sections 4 and 5). Gifts, second readings and readings already bought continue as before. As “Changes to these terms” says, this version applies from October 5, 2026; purchases made before then keep the terms they were made under.

1. What this is

The service offers readings based on Korean saju, a Four Pillars tradition shared across East Asia. Horan, the host, is a fictional character.

Readings are for entertainment and self-reflection only. They are not medical, psychological, legal, financial or other professional advice, and they do not predict events. Please don’t base decisions about your health, money, legal matters, relationships or safety on them. If you need help, talk to a qualified professional.

2. How readings are made (AI disclosure)

Your chart (pillars, elements, the 2027 month-by-month calendar facts and similar) is calculated in code from the birth details you enter, using the method published on the site.

The chapter text is generated by AI (Claude, by Anthropic) in Horan’s voice, following rules we wrote. No person reviews it before you see it. AI-written text can be wrong, inconsistent or unexpected. It describes tendencies, not facts about you.

The pictures of Horan and Kachi come from a fixed art library we made with AI image tools; code picks them for each panel. No image is generated for you.

3. Who can buy

You must be at least 18 (or the age of majority where you live, if higher) to buy a reading. Enter only your own birth details, or someone else’s with their permission.

4. Purchase and delivery

• Product: “The Red-Pen File”, a seven-chapter digital reading that includes “Your 2027, month by month”. New first readings from the free result stopped on October 5, 2026, except through the links in our emails that announced the launch discount in section 5, until that discount ends. Gifts, second readings of a chart you already have, and readings already bought continue under these terms. Since then the free result sells Your 2027 Report Card instead (its own section below).
• Price: US$29 (US dollars) or ¥4,400 (Japanese yen, tax included). A second reading of the same chart on another concern, bought from your reading page, is $19 or ¥2,900 (tax included). The price shown at checkout is the total you pay. The launch discount in section 5 is no longer offered on the free result since October 5, 2026; it still applies, until October 31, 2026, 23:59 KST/JST (10:59 a.m. ET) as announced, to orders placed through the links in our emails that announced it.
• It is a one-time payment. There is no subscription and nothing renews.
• Payments are processed by Stripe. We never receive or store your full card number.
• Writing starts on our servers as soon as your payment clears. The chapters are written one after another, usually all within 15 minutes, whether or not your reading page is open. Each chapter appears on your private reading page as soon as it is written. When writing finishes, we email you the link (if we have your email address).

5. Launch discount (email offer only)

The launch discount is no longer offered on the free result since October 5, 2026, when new first readings from the free result stopped. If we emailed you about it before then, it still applies, as announced, until October 31, 2026, 23:59 KST/JST (10:59 a.m. ET), to orders placed through the links in those emails: a first reading (the US$29 Red-Pen File, or ¥4,400 including tax) is US$10 off (¥1,500 off when paying in yen), for a total of US$19, or ¥2,900 including tax.

• It is applied automatically at checkout; you don’t need a code. One Red-Pen File per checkout.
• It does not apply to gifts, Ask Horan notes, the 2027 Season File, the Pair File, or a second reading of a chart you already have ($19 or ¥2,900).
• It cannot be combined with other codes.
• The total you will be charged is shown on the order step and on the Stripe payment page before you pay.
• It ends at October 31, 2026, 23:59 KST/JST (10:59 a.m. ET) and will not be extended or offered again.

6. Access to your reading

Your reading lives at a private, hard-to-guess link. Anyone who has the link can read it, so keep it safe and share it only on purpose. If you give us an email address, we also send you the link.

The reading stays available until you delete it, or until 365 days after purchase, whichever comes first (see the Privacy Policy). To keep it longer, print it or save it as a PDF.

7. Refunds

Refunds are covered by our Refund Policy. All sales are final: no refunds for a change of mind once writing starts. We refund in full for a reading that failed to generate, a calculation error under our published method or a double charge, as the Refund Policy says. There is no fit guarantee: a Red-Pen File ordered before the correction of October 9, 2026 keeps the one its order step showed (Refund Policy, section 2).

At checkout, every buyer asks us to start delivery immediately and acknowledges that there are no returns or cancellations once it begins. If you are in the EU or UK, this also means you lose your right of withdrawal once delivery begins. That acknowledgement does not affect the refunds in the Refund Policy.

8. Ownership and license

The service, the Horan character, the artwork, the site text and, to the extent we hold rights in it, the reading text belong to us or our licensors.

We give you a personal, non-exclusive, non-transferable license to read, save, print and quote your own reading for non-commercial purposes. Sharing short quotes and share cards is welcome. Please don’t resell readings, republish them in bulk, or use them to train AI models or build a competing service.

9. Things you agree not to do

• Enter someone else’s birth details without their permission.
• Scrape the service or access or buy through automated means.
• Interfere with the service’s security or operation, or use it for fraud.
• Use the service for anything unlawful.

10. Changes to the service

We may change or discontinue parts of the service. If we stop the service before a reading you paid for has been generated, we refund it in full.

11. Disclaimer

To the extent the law allows, the service is provided “as is” and “as available”, without warranties of any particular result, accuracy or fitness for a purpose. Nothing in these terms limits consumer rights you have under the law where you live.

12. Limitation of liability

To the maximum extent the law allows, we are not liable for indirect, incidental, special or consequential damages, or for decisions you make based on a reading. Our total liability for any claim is limited to the amount you paid for the reading the claim relates to.

This does not limit liability that cannot be limited by law, such as liability for our intentional misconduct or gross negligence, or your statutory rights as a consumer in the EU, UK, Japan or elsewhere.

13. Governing law and disputes

These terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law rules. Disputes will be heard by the state and federal courts located in New Castle County, Delaware.

If you are a consumer in the EU, UK, Japan or another country with mandatory consumer protection, you keep that protection and may bring a claim in your local courts.

If something goes wrong, please contact us first. We will try in good faith to resolve it within 30 days.

14. Changes to these terms

If we change these terms, we will post the new version here with a new date. Changes do not affect purchases already made.

15. Contact

• AboutUsAgency, Inc.
• 131 Continental Dr, Suite 305, Newark, DE 19713, USA
• Email: support@horansaju.com

Addendum: Ask Horan

Ask Horan lets you write one question about your own side of things; an answer is written by AI (Anthropic’s Claude) in the voice of Horan, a fictional character, from your calculated chart. No person reviews an answer before it is shown. Answers are for entertainment and self-reflection, not predictions or medical, psychological, legal, financial or other advice.

• You must be 18 or older (you confirm this at checkout).
• Price: One note (1 question) $5; three notes, all written before checkout, $12 ($4 each). In Japan: ¥800 and ¥1,800, tax included. One-time payment; no prepaid credits, points or balance.
• Before you pay, Kachi (a character) checks the note for free. We do not take questions about health, pregnancy or death; lotteries, gambling or investments; legal, exam, visa or court outcomes; when an event will happen; what another person thinks, feels or does; several questions in one note; or notes from anyone under 18. Nothing is charged, and we suggest a rewrite.
• If a note suggests you may be at risk of harming yourself, nothing is sold and we show crisis resources instead.
• Limits: 3 notes a night (the night resets at 5 a.m. where you are) and 10 a calendar month.
• Answers are written right after payment and appear on your private answer page, usually within 2 minutes; we also email you the link.
• Refunds are automatic when an answer fails, as set out in the Refund Policy. No refunds for change of mind; your statutory rights are not affected.
• Every Red-Pen File includes one note at no extra charge (one per file). It goes through the same check and rules as a paid note, and the answer appears inside your file and on its answer page. If it cannot be answered, write to us and we will make it right, including a refund of the file if you prefer.

Addendum: the characters, the Doorstep Check, cards and the PDF

• Horan (a tiger) and Kachi (a magpie) are fictional characters. Their pictures are a fixed library made with AI image tools. The legend page keeps the invented legend apart from the real folk-painting tradition, the true stories and the facts about us.
• The Doorstep Check on the free chart result is free folklore reading about Korean customs (such as samjae, the “nine” ages and wonjin). It is not a prediction, and nothing is sold with it.
• The share cards (9:16 images) and the PDF keepsake are made automatically from your file and are decorative, for entertainment. They are not charms and claim no effect.

The 2027 Season File

The Pair File

The Pair File: US$19 / from an eligible paid Red-Pen File US$12. One payment, no renewal. Three episodes, a two-chart sheet and a 2027 calendar. No PDF or included question. Promotion codes do not apply.

Both people must be 18+ (or the local age of majority if higher); you need the other person’s permission to use their birth details. Charts are calculated; scenes are fictional, written by AI (Claude). Horan and Kachi are fictional characters. We provide no compatibility score, relationship decision, finding about anyone’s private feelings or prediction of events. Missing birth times and seasonal boundaries can leave pillars unknown and limit interpretation.

Payment is confirmed on Stripe. Writing begins immediately afterwards and the private file is usually available within 15 minutes. We pause new checkouts during an AI outage and resume existing work after recovery. Buyers who provide email receive a completion link. Your internet charges are your own. The common seller, contact and payment information on this page applies.

Gifts

One private Korean saju story: 7 AI-written episodes, a keepsake PDF and one included Ask Horan note. The recipient enters their own birthday.

Unopened gifts are refunded automatically after 180 days. You can cancel an unopened gift earlier for a full refund. Once opened, all sales are final: no change-of-mind refunds. A reading that fails to generate, a calculation error or a double charge is refunded in full if you tell us within 7 days of the recipient’s checkout. Refunds go to the buyer.

A gift costs US$29 for English or ¥4,400 (tax included) for Japanese, once with no renewal. Recipients must also be adults 18+ and accept the reading terms and AI disclosure. Reading delivery begins at the recipient’s $0 checkout and is usually ready within 15 minutes. If the reading remains unfinished after 7 days, the refund offer remains available. Once the recipient has opened the gift, all sales are final: there are no change-of-mind refunds; refunds for a failed reading, a calculation error or a duplicate charge still apply.

Your 2027 Report Card

Your 2027 Report Card is digital content calculated from your birth date alone (no birth time). Free, before you buy: your overall 2027 score (out of 100) and, for the subject you pick (love, work or money), your best month of 2027, the day it starts and its score. The paid card adds, for each of love, work and money: a grade from A to D with a one-line note, a score out of 100 for each of the 12 months of 2027, the 3 strong months (start date, reason and one thing to do) and the 2 careful months (start date, reason and what to skip); one line for each month still running before 2027 starts on February 4, 2027, 10:46 KST (the last saju months of 2026, through January 2027; none from February 4, 2027, 10:46 KST); and Horan’s closing line.

• Price: US$4.99 (US dollars) for orders placed before October 31, 2026, 23:59 KST; US$6.99 for orders placed from then until sales end (February 4, 2027, 10:46 KST). KST is Korea time, UTC+9. The launch price ends at that one fixed time for everyone and is not extended; from then, US$6.99 is charged until sales end. If sales tax applies where you live, it is shown on the order sheet and on Stripe’s payment page before you pay, and the total shown there is what you are charged.
• It is a one-time payment. There is no subscription and nothing renews. Payments are processed by Stripe; we never receive your full card number.
• Delivery: the whole card opens on your private page as soon as your payment is confirmed, and we email you the link. It stays available until March 5, 2028 (about a month after its last month), or until you delete it.
• Who can buy: people 18 or older (or the age of majority where you live, if higher). Enter only your own birth date, or someone else’s with their permission.
• Sales end on February 4, 2027, 10:46 KST, when the 2027 months begin.
• It is not the 2027 Season File. The Season File is a separate product (story chapters and month pages written with AI for your order); neither includes the other.

How it is made: your chart, the months, the grades, the overall score and every month’s score are calculated by code from your birth date, using the method in the appendix below. The same birth date always gives the same card, and the paid card shows the same overall score and best month the free card showed. Horan’s lines come from a fixed phrasebook written with AI (Claude) under our rules, and code picks them for your chart. No AI writes anything for your order, and no person reviews the card before you see it. Horan and Kachi are fictional characters.

The card is for entertainment. It does not predict events and we don’t guarantee any result. It is not medical, psychological, legal, financial or investment advice.

Refunds: the card opens in full the moment you pay, so all sales are final. At checkout you ask us to deliver it right away and confirm that there are no change-of-mind refunds once it opens; if you are in the EU or UK, this ends your 14-day right to cancel. We refund the full amount in these cases:

• Calculation error: the card does not match what the method in the appendix to our Terms gives for the birth date you entered, or its overall score or best month differs from what the free card showed you before you paid. Tell us any time.
• Duplicate charge: you were charged more than once for the same order. Tell us any time.
• Not as described: the card is missing something the offer and the order sheet listed. Tell us any time.

An order placed before the correction of October 9, 2026 keeps the refund its order sheet showed: if the card doesn’t sound like you, email support@horansaju.com within 7 days of delivery (the card is delivered the moment your payment is confirmed) and we refund the full amount you paid, once per customer. We may decline requests that abuse it, such as repeated purchases to get refunds. Orders placed after the correction have no change-of-mind refund.

See the Refund Policy for how to ask. Your statutory rights as a consumer are not affected.

Appendix: how the 2027 report card is calculated

Your 2027 Report Card (the free card and the paid card) is calculated by code with the rules below. They turn the ten gods, clashes, combinations and peach blossom of Korean saju into scores, for entertainment; we don’t guarantee any result. No clock or randomness is involved: the same birth date always gives the same card, and the overall score and best month you see free are the ones on the paid card.

• Chart: only the solar birth date you enter. The day pillar comes from the date; the year pillar changes at the start of spring (立春) and the month pillar at each solar term (節), at its exact time. No birth time is used, so the hour pillar stays blank. If the year or month pillar could change within your birth date in any time zone, that pillar is left blank too, and the card uses the pillars it knows.
• The 2027 months: the 12 saju months of 丁未 from February 4, 2027, 10:46 KST (the start of spring 2027) to February 4, 2028, 16:31 KST (the start of spring 2028), split at the solar terms. Month names and start dates are written in Korea time, which is the same as Japan time.
• Ten-god families: the month’s stem and the main hidden stem of the month’s branch are each compared with your day stem to get a ten god, and the ten gods form five families: Companion, Output, Wealth, Officer and Resource.
• Family shares of your chart: for each known pillar, except the day stem itself, add 1 to the family of its stem, 1 to the family of its branch’s main hidden stem and 0.3 to the family of each other hidden stem (one decimal), then divide so the five shares add up to 1.

Area weights W (for each family, how much it helps the area):

• Month score = 2 × W[family of the month stem] + 1 × W[family of the month branch’s main hidden stem]. When W[family of the month stem] is above 0, add 0.5 × shortfall and subtract 0.5 × excess, where shortfall = (0.2 − that family’s share) ÷ 0.2 and excess = (that family’s share − 0.35) ÷ 0.35, each kept between 0 and 1.
• Clashes and combinations: when the month branch clashes (六沖) with a known branch of your chart, add -1.5 for the day branch and -0.4 for any other branch. When it combines (六合), add +0.75 for the day branch (+1.25 in love) and +0.2 for any other branch. Three-way combinations, punishments and breaks are not used.
• Peach blossom (love only): when the month branch is the peach-blossom branch of your day or year branch (申子辰 → 酉, 寅午戌 → 卯, 巳酉丑 → 午, 亥卯未 → 子), add +1, once even if both apply.
• Month scores are rounded to 2 decimals.
• 3 strong months: highest score first. Ties go to the larger W[family of the month stem], then to the smaller share of that family in your chart, then to the earlier month. The best month the free card shows is the first strong month.
• 2 careful months: from the 9 other months, lowest score first. Ties go to the smaller W[family of the month stem], then to the larger share of that family, then to the earlier month. Every other month is steady.
• Grade score G = (average of the 3 highest month scores) + Y + 2 × N, rounded to 3 decimals. Y = 1 × W[family of the 2027 stem 丁] + 0.5 × W[family of the main hidden stem of the 2027 branch 未], plus -0.75 when your day branch clashes with 未 and +0.5 when it combines with it. N = the sum, over the five families, of W × (your share of that family − 0.2).

Grades: D below the first cut, C below the second, B below the third, A at or above the third.

Overall score: a whole number from 50 to 98, from the love, work and money grade scores G.

• Position: where G sits among the reference birthdays (every date from 1950-01-01 to 2010-12-31, n = 22280), on a 0 to 100 scale. The five anchors in the table below (the lowest G, the three grade cuts and the highest G) sit at positions 0, 15, 45, 80, 100, joined by straight lines: position = previous position + (next position − previous position) × (G − previous anchor) ÷ (next anchor − previous anchor). At or below the lowest anchor it is 0; at or above the highest, 100. Rounded to 1 decimal.
• Overall score = 50 + 0.5 × (average of the love, work and money positions) = 50 + (sum of the three positions) ÷ 6, rounded to a whole number (halves round up), at most 98. There is no 100.

Month points (the scores out of 100 on the card): every month of every area gets a whole number from 50 to 98, by the same method applied to its month score s.

• Reference: the 12 months of 2027 for every birthday from 1950-01-01 to 2010-12-31 (n = 22280 birthdays, so 267,360 month scores per area). The anchors are the lowest score, the scores 15%, 45% and 80% of the way up that sorted list, and the highest score; they sit at positions 0, 15, 45, 80, 100.
• Position p = previous position + (next position − previous position) × (s − previous anchor) ÷ (next anchor − previous anchor), with s and the anchors in hundredths, rounded to 1 decimal (halves round up). At or below the lowest anchor it is 0; at or above the highest, 100.
• Points = 50 + 0.5 × p, rounded to a whole number (halves round up), at most 98. There is no 100. Points never go down as s goes up, so a strong month has at least the points of any steady month, and a steady month at least those of any careful month.

• The months before 2027 starts: the months 9 to 12 of the saju year 2026 (戊戌, 己亥, 庚子, 辛丑) that are still running when you pay. Their month score s is calculated the same way, but they show no points: each gets one line by its tone, relative to your own 2027. A month whose score is at least that of the third strong month of 2027 is strong; at most that of the second careful month, careful; otherwise steady. From the start of spring 2027, none is left.

Appendix: Your 2027 — Episodes 2–10 + Extras

This appendix covers “Your 2027 — Episodes 2–10 + Extras” (the “book”), the paid part of the Korean saju drama on our English home page. Where it says nothing, the rest of these Terms apply.

• What it is: a web book of Episodes 2–10 (Episode 2 starts with “Your question day”; then your user manual, the twelve months of 2027, plans for love, work and money, compatibility hints and a letter from your reader) and the Extras (your chart, explained in plain words), a printable PDF and a calendar file. Both readers’ versions open: Yul’s and Jua’s have the same numbers and dates, in a different voice.
• Price: $9.99 total, charged once. It is not a subscription and nothing renews. We collect no sales tax today; if that changes, the price screen says so before you pay.
• Access: you can read the book online until March 5, 2028 (Korea time). The printable PDF and the calendar file are yours to keep after that. Access to the web book is a license to read it, not a copy you own; it ends on that date, and earlier only if the order is refunded or you delete its record.
• Delivery: the book opens right after payment, on the page you paid from, and we email you its private link. Anyone who has the link can open the book, so share it only on purpose.
• Who can order: people 18 or older (or the age of majority where you live, if higher: 19 in Alabama and Nebraska, 21 in Mississippi). Enter only your own birthday, or someone else’s with their permission.
• Where: the book can be paid for only from the United States (by the country our network sees for your connection). Everywhere else, Episode 1 stays free and the pay button is replaced by a note. Orders close at February 4, 2027, 10:46 Korea time, when the 2027 saju year begins.
• Refunds: All sales are final once the book opens — Episode 1 is free to try. The book opens right after payment, so there is no refund for a change of mind. A calculation error under our published method, something listed here missing from the book, a double charge, or our stopping the service before the access date: we refund the full amount, any time. See the Refund Policy.
• Fiction, for fun: the book is entertainment built on Korean saju (astrology from your birthday), calculated from your birthday by a published method. It does not predict events, it is not advice (health, legal, money or otherwise), and there are no guarantees. The voices are Korean AI voices (not modeled on any real actor) with English subtitles. Yul, Jua, Horan and Kachi are AI-made, fictional characters, and the words and pictures were made with AI tools.