Not a contract
Website content is educational and informational. It does not create a client relationship by itself. No insurance or investment recommendation is made without proper licensed review of your circumstances.
Terms
Use the site and tools for education, reflection, and navigation.
These terms cover educational use of this public website. Terms for paid products or app accounts are published separately when those features are offered.
Website terms
Respectful use
Do not attempt to disrupt the site, scrape it for harmful purposes, or misrepresent Nicole's work.
Not automatic marketing
Contacting Nicole by email does not automatically add you to a newsletter or marketing list. Future commercial electronic messages (Canada's CASL) will require appropriate consent, sender identification, and unsubscribe mechanisms.
Outcomes
Educational content does not promise insurance approval, investment returns, or specific results.
Changes
Pages may change as the public site evolves. Material changes are noted here when they affect how the site or tools may be used.
Regulated financial services are offered only where current licensing, product, and representative rules permit. Individual recommendations, applications, product availability, and suitability require a documented professional review of personal circumstances.
The legal entity and representative relationship applicable to an engagement will be disclosed before regulated services are provided. Public educational content is presented under Nicole Andrea Spencer.