TERMS & CONDITIONS

Effective Date:

2/17/2025

Last Updated:

2/17/2025

Welcome to Nicolette Management LLC ("Company," "we," "our," or "us"). These Terms & Conditions ("Terms") govern your access and use of our website, funnel page, and any related services (collectively, the "Services"). By using our Services, you agree to these Terms. If you do not agree, please discontinue use immediately.

Use of Service

Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent that you are legally capable of entering into a binding agreement.

Permitted Use

You agree to use our Services in compliance with applicable federal, state, and local laws. Unauthorized use, including but not limited to attempting to gain unauthorized access, interfering with service functionality, or engaging in fraudulent activities, is strictly prohibited.

Privacy & HIPAA Compliance

Collection & Use of Personal Information

We collect and process personal and financial information in accordance with our Privacy Policy. If you provide personal health information (PHI), we handle it in compliance with the Health Insurance Portability and Accountability Act (HIPAA).

HIPAA Notice

Nicolette Management LLC takes appropriate measures to protect sensitive client data. Any PHI you provide will be securely processed and stored following HIPAA security standards. We do not disclose PHI without your consent, except as required by law.

Disclaimer

We provide insurance consultation, financial services, and related services but do not guarantee specific outcomes. Industry regulations and market conditions are subject to change, and while we strive for accuracy, we do not assume liability for errors, omissions, or outcomes arising from reliance on our Services. You are responsible for providing accurate information, and we are not liable for any issues resulting from inaccurate or incomplete data. We recommend consulting a professional for personalized financial advice.

Payment & Refund Policy

Fees & Payment

By using our paid services, you agree to pay all applicable fees. Payment is required before service completion unless otherwise agreed in writing. We may use third-party payment processors. Payments and fees are subject to their terms and conditions.

Refund Policy

Due to the nature of our services, all sales are final. If you believe there was an error in processing your payment, contact us within 7 days of the transaction, with transaction details available, for discussing resolution.

Limitation of Liability

To the fullest extent permitted by law, Nicolette Management LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of our Services, even if advised of the possibility of such damages.

Intellectual Property

All content, trademarks, and proprietary materials on our website and marketing funnels are the property of Nicolette Management LLC. Unauthorized use, reproduction, or distribution is strictly prohibited.

Third-Party Links & Services

Our Services may contain links to third-party websites. We do not endorse or assume responsibility for third-party content, policies, practices, and/or fees. You access third-party services at your own risk.

Modifications to Terms

We reserve the right to update or modify these Terms at any time. Changes become effective upon posting. Your continued use of the Services constitutes acceptance of the revised Terms.

Governing Law & Dispute Resolution

These Terms shall be governed by the laws of the State of Florida, without regard to its conflict of law principles. Any disputes shall be resolved through arbitration in accordance with the American Arbitration Association (AAA) rules.