Terms And Conditions


Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern our relationship with you in relation to this website.

If you disagree with any part of these terms and conditions, please do not use our website.

The term ‘us’ or ‘we’ refers to the owner of the website. The term ‘you’ refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

The content of the pages of this website is for your general information and use only. It is subject to change without notice.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

All trademarks reproduced in this website which are not the property of, or licensed to, the operator is acknowledged on the website.

Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence.

From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

We use the term member or member as one and the same.

When you sign up as a member of Universe City of Life (UCL), you agree to follow and be bound by the Code of Ethics and Policies and Procedures, which is updated/amended from time to time.

Violations of the Company Code of Ethics, Participant Agreement, or the written Policies and Procedures may be cause for cancellation of participation. Please read through these Policies and Procedures carefully to fully benefit and understand your rights and responsibilities as a member.



The prospective member is responsible for paying any additional fees associated with processing the payment. This includes credit card processing fees, bank wire fees, agent fees and other fees charged by third parties used to process payment.



All members accept that the sign-up fee is non-refundable and that completion of the online application and payment acknowledges that no refund will apply.



Here’s some small-print legal stuff that we are obliged to tell you – it’s for your protection as well as ours.

By using this website, purchasing or attending a one-to-one session, attending a meeting or retreat or otherwise, you acknowledge that you have read, comprehended and fully agreed with the following disclaimer.

This website is for general information and entertainment purposes only. Use of this website, or attending a meeting, retreat or one-to-one session with Pappy, or having an email dialogue with him, is NOT a replacement for or substitute to face- to-face, in-person, qualified medical, psychological, psychiatric or legal advice, diagnosis or treatment.

Pappy is not a medical doctor nor a licensed psychotherapist. He does not diagnose, cure, heal, or treat disease or psychological conditions or otherwise prescribe any kind of medication whatsoever.

If you think you are suffering from a medical or psychological disorder or condition, please consult your doctor or other appropriately qualified professional person or service immediately.

You are invited to consult your doctor or therapist about one-to-one sessions, meetings or retreats in order to make an educated and informed decision as to whether or not they are right for you.


Never, ever disregard professional advice or delay seeking professional advice as a result of something you have read on this site or from anything that we say or write to you.

We shall not be liable for claims or damages, and we expressly disclaim any and all liability of any nature, for any action, or non-action, taken as a result of this one-to- one sessions, meetings or retreats.

The word therapy here is not used as a medical term, but simply describes an in- depth, honest, exploratory, private and confidential conversation. This session may be considered spiritual in nature rather than prescriptive.

Most importantly, a one-to-one session, meeting or retreat is intended and designed to be informational and educational for you, and provide information, support and encouragement based on information that you choose to share with us.

You are fully and solely responsible for all information that you provide, for your interpretation of our words and actions, and for all actions resulting from or relating to your encounter with the mystic.

Pappy does not guarantee or give any warranty on any particular outcome or result from your session, meeting or retreat, or other kind of encounter, with him, and makes no claims as to the effectiveness of the sessions.

Using this service is entirely at your own risk without warranty of any kind, either expressed or implied, including without limitation or any warranty for information given, advice, or opinion.

The services are requested by your own choice and with your inherent singular responsibility.

Thank you for your understanding.


UCL Legal team