By accessing or using any of our Websites, you acknowledge that you have read, understood, and agree to be bound by this Legal Notice, our Terms and Conditions, and our Privacy Policy. Please review this Legal Notice in conjunction with our Terms & Conditions and Privacy Policy, which contain additional legal terms governing your use of our Websites.

Company Information

Business Name: Nicolette Management LLC

Business Structure: Single-Member Limited Liability Company (LLC), taxed as S-Corporation

State of Registration: Florida

Owner: Nicole (Nikki) Charette

Principal Address: PO Box 181644, Casselberry, FL 32718

Toll Free: 888.658.GROW (888.658.4769)

Direct: 407.800.1797

Email: [email protected]

Website: www.nicolettemanagement.com

Regulatory Authority: Florida Department of Financial Services (DFS)

Nature of Services

Nicolette Management LLC provides strategic consulting services for individuals, families, small businesses, and insurance professionals in the following areas: licensed insurance brokerage (Medicare Advantage, ACA/Marketplace health insurance, life insurance, fixed annuities, ancillary insurance products), credit restoration and financial wellness referrals through United Credit Education Services (UCES) and United Wealth Education (UWE), tax preparation services for individuals and businesses, business consulting and strategic planning, insurance agent training and education through Agent Assist and Agency Builder programs, professional branding and web design through NM Studio, Florida notary public services, and educational community resources.

We operate primarily in Florida and nationally for insurance services (licensed in Florida, Connecticut, Ohio, Michigan, Tennessee, Texas) and maintain all necessary licenses and regulatory compliance as required by state and federal law.

Professional Licenses and Credentials

Insurance Licenses: Nicole (Nikki) Charette holds an active 2-15 insurance license (Life, Health, and Variable Annuity) with resident status in Florida and non-resident status in Connecticut, Ohio, Michigan, Tennessee, and Texas. Licensed and appointed with multiple insurance carriers through Field Marketing Organizations including Xell (formerly TrueCoverage), Advocate Health Advisors, Vantage Financial Alliance, and Symmetry Financial Group.

Tax Preparer Credentials: Nicole (Nikki) Charette holds a valid Preparer Tax Identification Number (PTIN) and Electronic Filing Identification Number (EFIN) issued by the Internal Revenue Service for the preparation and electronic filing of federal and state income tax returns.

Notary Public: Nicole (Nikki) Charette is a commissioned notary public in the State of Florida.

Professional Certifications: Certified Wealth Educator, certified by United Wealth Education (UWE).

Professional Education: Currently pursuing Business Administration degree and Enrolled Agent (EA) coursework. Holds Intuit tax preparation certifications.

Professional Disclaimers

Information is Not Professional Advice

The information provided on our Websites is for general informational and educational purposes only and does not constitute professional financial advice, legal advice, tax advice (except as specifically provided through our tax preparation services), insurance advice, investment advice, medical advice, or business advice. While we provide consulting services and professional guidance in our areas of licensure and expertise, the content and resources available on our Websites should not be relied upon as a substitute for personalized consultation with qualified professionals (such as licensed financial advisors, attorneys, certified public accountants, physicians, or other specialists) who can evaluate your specific situation and provide advice tailored to your individual circumstances.

You should consult appropriate professionals before making financial, legal, insurance, health, tax, or business decisions. Laws, regulations, and industry practices change frequently, and information on our Websites may not reflect the most current developments. We recommend independent verification of information and professional guidance for important decisions.

No Client Relationship Created

Visiting our Websites, reviewing our content, or communicating with us through contact forms, email, social media, or initial phone calls does not establish a client-consultant relationship, client-broker relationship, or preparer-client relationship. A formal relationship with Nicolette Management LLC is created only when both parties have executed a written consulting agreement, you have paid for services, or (for insurance services) when we have submitted an application on your behalf with your written authorization.

Nothing on our Websites constitutes an offer to provide services or enter into an agreement. All consultations and services are scheduled by appointment only and subject to execution of appropriate agreements.

Educational and Informational Purpose

Content on our Websites, including articles, guides, tools, training materials, and resources, is provided for educational purposes. While we strive for accuracy, information may become outdated due to changes in laws, regulations, market conditions, carrier offerings, tax code, or industry practices. We do not guarantee the accuracy, completeness, currentness, or applicability of any information provided. You are responsible for verifying information and making your own independent decisions based on your specific circumstances and with advice from appropriate licensed professionals.

Results and Testimonials

Any testimonials, case studies, success stories, results, or earnings examples shared on our Websites represent the individual experiences of specific clients or participants. These outcomes are not typical and should not be interpreted as a guarantee, prediction, or promise of results you may achieve. Your individual results will depend on numerous factors, including your personal circumstances, individual effort, dedication, compliance with regulations, market conditions, economic factors, business acumen, sales skills, timing, and other variables beyond our control. Past performance does not guarantee future results.

Earnings Disclaimer for Agent Training Programs: Agent Assist and Agency Builder are educational training programs that provide information, resources, and tools for insurance professionals. Purchase of these programs does not guarantee any income, sales, commissions, recruitment success, or business results. Success in the insurance industry requires proper licensing, carrier appointments, compliance with regulations, sales skills, consistent effort, and favorable market conditions. Income earned by insurance agents varies widely and depends on individual performance.

No Investment Advice

Nicolette Management LLC does not provide investment advice, securities recommendations, portfolio management, or financial planning services requiring securities licenses. We are not registered investment advisors, broker-dealers, or investment professionals. We do not hold Series 6, Series 7, Series 63, Series 65, or any other securities licenses. Our elevator pitch states: "I help people secure what they've built through insurance solutions, improve their financial wellness through credit and debt strategies, and simplify their tax preparation with streamlined technology. Think of me as someone who handles the protection and financial literacy side, not the investments side." For investment advice, securities, and portfolio management, please consult a licensed financial advisor or registered investment advisor.

Credit Repair Services Clarification

Nicolette Management LLC is not a credit repair organization as defined by the Credit Repair Organizations Act (CROA). We do not provide credit repair, credit restoration, or credit improvement services directly. We provide referrals to United Credit Education Services (UCES), which provides credit restoration services and is responsible for compliance with CROA and other applicable regulations.

We may provide educational budgeting consultations, assistance with service enrollment and setup, and ongoing support to clients who have enrolled in UCES services through our referral. These consultations are educational in nature and do not constitute credit repair services. All credit restoration work, including disputes with credit bureaus, negotiations with creditors, and credit report analysis, is performed by UCES, not by Nicolette Management LLC.

Legal Document Services Clarification

Nicolette Management LLC is not a law firm and does not provide legal advice or legal document preparation services. We provide referrals to United Wealth Education (UWE), which offers legal document packages (wills, trusts, powers of attorney) through third-party providers including RocketLawyer. These documents are provided by UWE and their partners, not by Nicolette Management LLC. We strongly recommend that you consult with a licensed attorney in your state before executing any legal documents, as these documents have significant legal consequences and may not be appropriate for your individual circumstances without legal review and customization.

Tax Advice Limitations

While Nicole (Nikki) Charette is an authorized tax preparer with a valid PTIN and EFIN, tax preparation services are limited to the preparation and filing of tax returns based on information you provide. We provide tax planning advice and guidance on tax-related matters within the scope of our expertise and credentials, but we are not attorneys, certified public accountants (CPAs), or enrolled agents (EAs) at this time. For complex tax matters, representation before the IRS beyond the limited representation rights of a PTIN holder, or legal tax matters, you should consult a licensed attorney, CPA, or enrolled agent.

We comply with IRS Circular 230 regulations, which govern practice before the IRS. We do not provide opinions on tax shelters, abusive tax avoidance transactions, or other matters requiring specialized tax counsel.

Insurance Products and Carrier Responsibility

Insurance products recommended or sold through our insurance brokerage services are provided by third-party insurance carriers, not by Nicolette Management LLC. We are an independent insurance broker working with multiple carriers to provide you with options. Coverage, benefits, exclusions, limitations, premiums, underwriting decisions, claims processing, and customer service are the responsibility of the insurance carrier that issues your policy.

We do not guarantee acceptance for any insurance product, and eligibility is determined by insurance carriers based on their underwriting guidelines, which consider factors such as age, health status, medical history, tobacco use, occupation, and other risk factors. We provide accurate information to the best of our knowledge based on carrier materials, but insurance policies and benefits are subject to change by carriers. You should carefully review all policy documents provided by the insurance carrier before enrolling and contact the carrier directly with questions about coverage, claims, or benefits.

Design Services and Platform Limitations

Design and branding services provided through NM Studio are professional creative services subject to your approval and final use. Website designs created through our services are built on third-party platforms (including but not limited to GoHighLevel, Wix, Squarespace, WordPress, and other website builders) and are subject to the capabilities, limitations, features, and ongoing functionality of those platforms.

Not all design features may be possible on all platforms. Designs are optimized for modern browsers and devices but may render differently on older or unsupported systems. We are not responsible for platform limitations, future platform changes, discontinued platform features, platform outages, security vulnerabilities in third-party platforms, or compatibility issues that may arise after project completion. You are responsible for maintaining ongoing platform subscriptions and compliance with platform terms of service.

No Guarantees of Outcomes

We provide professional services but do not guarantee specific outcomes, results, or performance in any area. Industry regulations, market conditions, economic factors, and individual circumstances are subject to change and beyond our control. While we strive for accuracy and excellence, we do not assume liability for errors, omissions, or outcomes arising from reliance on our Services or information provided on our Websites.

Specific disclaimers by service area: For insurance services, we do not guarantee coverage approval, claim approval, specific premium rates, or continuation of insurance benefits. For tax services, we do not guarantee specific refund amounts, tax liability results, or audit protection. For credit referrals, we do not guarantee credit score improvements or specific financial outcomes. For training programs, we do not guarantee income, sales results, or business success. For design services, we do not guarantee business results, customer response, or market performance of designs created.

You are responsible for providing accurate and complete information for all services. We are not liable for any issues, errors, adverse outcomes, or financial losses resulting from inaccurate, incomplete, or misleading information you provide to us.

Accuracy of Information

While we strive to provide accurate and up-to-date information on our Websites, we make no representations or warranties regarding the accuracy, completeness, reliability, or timeliness of any content. Information on our Websites may contain technical inaccuracies, typographical errors, or outdated information.

Laws, regulations, and industry practices in the areas of insurance, taxation, credit services, financial services, and business operations change frequently. Insurance carrier offerings, premium rates, benefits, and availability change regularly. Tax laws and regulations change annually and sometimes more frequently. Financial products, interest rates, and terms change frequently. Information on our Websites may not reflect the most current developments in these rapidly changing fields.

We update our Websites periodically but do not guarantee that all information is current as of the date you access it. Always verify current information with appropriate sources, including insurance carriers for current plan details, the IRS and state revenue departments for current tax law, credit bureaus for current credit reports, and relevant regulatory agencies for current regulations.

Regulatory Compliance and Licensing

Our services are subject to various federal and state regulations depending on the nature of the services provided. We maintain appropriate licenses and comply with applicable regulations in the jurisdictions where we operate.

Insurance Regulation: Insurance brokerage services are regulated by state insurance departments. Nicole (Nikki) Charette is licensed in Florida (resident state) and Connecticut, Ohio, Michigan, Tennessee, and Texas (non-resident states). Insurance services are only provided in states where properly licensed. We comply with state insurance regulations including advertising rules, privacy requirements, and continuing education requirements.

Tax Preparer Regulation: Tax preparation services are regulated by the Internal Revenue Service under Circular 230. We comply with IRS requirements for tax preparers including maintaining a valid PTIN, complying with due diligence requirements, maintaining required records, and following preparer penalty provisions.

Credit Services Regulation: Credit restoration services referred through our affiliate relationship with UCES are subject to the Credit Repair Organizations Act (CROA) and state credit services organization laws. UCES is responsible for CROA compliance, not Nicolette Management LLC. We comply with Federal Trade Commission (FTC) guidelines for affiliate marketing and endorsements.

Privacy and Data Security Regulation: We comply with applicable privacy laws including the Health Insurance Portability and Accountability Act (HIPAA) for protected health information, the Gramm-Leach-Bliley Act (GLBA) for financial information security, California Online Privacy Protection Act (CalOPPA), and relevant state privacy laws.

Telecommunications Regulation: We comply with the Telephone Consumer Protection Act (TCPA) and the Amended Telemarketing Sales Rule (ATSR) for marketing communications.

The availability of specific services may vary by location, and not all services may be available in all jurisdictions due to licensing and regulatory requirements. We are committed to operating with integrity and transparency in full compliance with all applicable laws and regulations.

Affiliate Relationships and Compensation Disclosure

Nicolette Management LLC participates in various affiliate and referral programs where we receive compensation when users sign up for services or make purchases through our referral links. These affiliate relationships include United Wealth Education (UWE), United Credit Education Services (UCES), Google Workspace, GoHighLevel, Tax Trac, Chime Banking, Acorns Investing, SoFi Banking, and various other business tools, financial products, insurance marketing platforms, and services.

We include clear disclosures on pages containing affiliate links to inform you of these relationships. The compensation we receive does not increase the cost you pay for products or services. We only recommend products and services that we use ourselves, have thoroughly evaluated, or believe will provide genuine value to our clients and website visitors.

For insurance services, we receive commissions from insurance carriers when clients enroll in insurance products. These commissions are paid by the carriers and do not increase your premium costs. We work with multiple carriers to provide you with options and are not obligated to recommend the product with the highest commission. Commission rates vary by carrier and product type and are disclosed in our Terms & Conditions.

Third-Party Links and Services

Our Websites may contain links to third-party websites, products, or services for your convenience and to provide additional resources. The inclusion of any link does not imply our endorsement of the linked site, product, or service, except where we have specifically indicated a referral or affiliate relationship (which is disclosed on the relevant page). We have no control over and assume no responsibility for the content, privacy policies, practices, fees, or operations of any third-party sites.

Third-party services that may be linked from our Websites include insurance carrier websites and enrollment platforms, UCES and UWE service platforms, payment processors (Stripe), website platforms and builders, software providers, financial service providers, government and regulatory agency websites, and professional association websites.

We do not endorse or assume responsibility for third-party content, policies, practices, fees, or representations. You access third-party services at your own risk and subject to their terms and conditions. We encourage you to review the terms of service and privacy policies of any third-party websites or services you use.

Intellectual Property Rights

All content on our Websites, including text, graphics, logos, icons, images, audio clips, video clips, digital downloads, data compilations, software, training materials, templates, worksheets, and other materials, is the property of Nicolette Management LLC or its content suppliers and licensors and is protected by United States and international copyright, trademark, patent, and intellectual property laws.

The compilation of all content on our Websites is the exclusive property of Nicolette Management LLC and is protected by U.S. and international copyright laws. All software used on our Websites is the property of Nicolette Management LLC, our affiliates, or our software suppliers and is protected by United States and international copyright laws.

You may not reproduce, duplicate, copy, sell, resell, visit, or otherwise exploit any portion of our Websites, use of our Websites, or access to our Websites without our express written permission. Unauthorized use, reproduction, distribution, modification, public display, or creation of derivative works is strictly prohibited and may result in severe civil and criminal penalties.

Trademarks, service marks, and logos appearing on our Websites are the property of Nicolette Management LLC or other respective owners. You may not use any trademark, service mark, or logo without the prior written permission of the owner. "Nicolette Management," "NM Studio," "Agent Assist," "Agency Builder," and "The Simplicity Circle" are proprietary names used by Nicolette Management LLC.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NICOLETTE MANAGEMENT LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, UPLINES, FMOS, SERVICE PROVIDERS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF OUR WEBSITES, RELIANCE ON ANY INFORMATION PROVIDED ON OUR WEBSITES, USE OF SERVICES, BUSINESS DECISIONS MADE, TAX POSITIONS TAKEN, INSURANCE SELECTIONS MADE, FINANCIAL OUTCOMES, DESIGN RESULTS, TRAINING PROGRAM PARTICIPATION, OR ANY OTHER MATTER RELATED TO OUR WEBSITES OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, PROFESSIONAL MALPRACTICE, BREACH OF WARRANTY, OR ANY OTHER BASIS. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATED TO OUR WEBSITES OR SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO NICOLETTE MANAGEMENT LLC FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM WITHIN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you. In such jurisdictions, our liability shall be limited to the fullest extent permitted by law.

Accessibility Notice

If you have a handicap or disability and you are unable to utilize these websites yourself, please contact Company directly by calling (407) 800-1797. We are committed to making our Websites accessible to individuals with disabilities and strive to comply with applicable accessibility standards. Company is not liable for any damages due to decisions made while obtaining assistance by a non-licensed third party to access or use our Websites.

Governing Law and Jurisdiction

This Legal Notice and your use of our Websites shall be governed by and construed in accordance with the laws of the State of Florida, without giving effect to any principles of conflicts of law. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Seminole County, Florida, for the resolution of any disputes arising from or relating to this Legal Notice or your use of our Websites.

Modifications to This Legal Notice

We reserve the right to modify this Legal Notice at any time. Changes will be effective immediately upon posting to our Websites with a new effective date. Your continued use of our Websites after changes are posted constitutes your acceptance of the modified Legal Notice. We encourage you to review this Legal Notice periodically to stay informed about important legal information regarding our company and services.

Severability

If any provision of this Legal Notice is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable. If such modification is not possible, the provision shall be deemed deleted from this Legal Notice.

Relationship to Other Legal Documents

This Legal Notice should be read in conjunction with our comprehensive Terms & Conditions and Privacy Policy, which contain additional important legal terms governing your use of our Websites and Services. Our Terms & Conditions include detailed provisions regarding use of services, eligibility requirements, fees and refund policies, payment terms, communications consent, service-specific terms, intellectual property rights, user-generated content, termination provisions, dispute resolution procedures including arbitration and class action waiver, and other important legal terms.

Our Privacy Policy includes detailed information regarding what personal information we collect and how we collect it, how we use your personal information, how we share your information and with whom, HIPAA compliance for protected health information, IRS regulation compliance for tax information, data security measures, data retention policies, your privacy rights and how to exercise them, cookie and tracking technology usage, and contact information for privacy inquiries.

In the event of any conflict between this Legal Notice and our Terms & Conditions or Privacy Policy, the Terms & Conditions and Privacy Policy shall control with respect to matters within their respective scopes.