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.
This overview describes acceptable use of NicoleAndreaSpencer.com. Formal terms of use should be published before accepting waitlist data at scale, payments, or app accounts.
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 matures. Material changes should be noted when formal terms are published.