Welcome to the
Nicolette Management
legal compliance pages!
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These legal compliance pages govern your access and use of our websites, including ww.nicolettemanagment.com, ancillary.nicolettemanagement.com, credit.nicolettemanagement.com, health.nicolettemanagement.com, lifeinsurance.nicolettemanagement.com, financial.nicolettemanagement.com, nmstudio.nicolettemanagement.com, simplicitycircle.nicolettemanagement.com, tools.nicolettemanagement.com, agentassist.nicolettemanagement.com, agencybuilder.nicolettemanagement.com, and any related services (collectively, the "Services").
LEGAL NOTICE
Nicolette Management LLC
Effective Date: December 11, 2025
General Information
This Legal Notice applies to all websites operated by Nicolette Management LLC, including ancillary.nicolettemanagement.com, credit.nicolettemanagement.com, health.nicolettemanagement.com, lifeinsurance.nicolettemanagement.com, financial.nicolettemanagement.com, nmstudio.nicolettemanagement.com, simplicitycircle.nicolettemanagement.com, tools.nicolettemanagement.com, agentassist.nicolettemanagement.com, and agencybuilder.nicolettemanagement.com, (collectively, the "Websites"). 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.
Company Information
Business Name: Nicolette Management LLC
Owner: Nicole (Nikki) Charette
Principal Address: PO Box 181644, Casselberry, FL 32718
Phone: 888.658.GROW (888.658.4769)
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, and small businesses in the following areas:
• Credit management and optimization
• Ancillary benefits consulting
• Health insurance guidance
• Life insurance planning
• Financial management and planning
• Business Setup & Structure
• Marketing
• New Agent Assistance
Professional Disclaimers
Not Financial, Legal, or Tax Advice
The information provided on our Websites is for general informational and educational purposes only and does not constitute professional financial, legal, tax, insurance, or investment advice. While we provide consulting services and guidance, the content on our Websites should not be relied upon as a substitute for consultation with qualified professionals who can assess your specific situation and provide advice tailored to your individual circumstances. We recommend that you consult with licensed professionals before making any financial, legal, or insurance decisions.
No Client Relationship
Your use of our Websites or communication with us through the Websites does not create a client-consultant relationship. A formal consulting relationship is established only through a separate written agreement signed by both parties. Nothing on our Websites should be construed as an offer to enter into a consulting agreement. All consultations are by appointment only.
Insurance and Financial Products
Information about insurance products, financial services, and credit management on our Websites is provided for educational purposes only. We provide consulting and guidance services but do not sell insurance products or financial products directly through our Websites. Any recommendations or information provided should be verified with licensed insurance agents, financial advisors, or other qualified professionals before making any decisions.
No Guarantees
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 or information provided on our Websites. Individual results will vary based on numerous factors beyond our control, including but not limited to market conditions, regulatory changes, personal circumstances, and the actions you take based on our guidance.
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 or typographical errors. Laws, regulations, and industry practices in the areas of credit, insurance, and financial services change frequently, and information on our Websites may not reflect the most current developments. You are responsible for providing accurate information, and we are not liable for any issues resulting from inaccurate or incomplete data.
Regulatory Compliance
Our consulting 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, including regulations enforced by the Florida Department of Financial Services (DFS). However, the availability of certain services may vary by location, and not all services may be available in all jurisdictions.
HIPAA Compliance
Nicolette Management LLC takes appropriate measures to protect sensitive client data. Any personal health information (PHI) you provide will be securely processed and stored following Health Insurance Portability and Accountability Act (HIPAA) security standards. We do not disclose PHI without your consent, except as required by law.
Third-Party Links and Services
Our Websites may contain links to third-party websites, products, or services for your convenience. The inclusion of any link does not imply our endorsement of the linked site, product, or service. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. 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 and subject to their terms and conditions.
Intellectual Property
All content on our Websites, including text, graphics, logos, icons, images, audio clips, video clips, data compilations, and software, is the property of Nicolette Management LLC or its content suppliers and is protected by United States and international copyright laws. All content, trademarks, and proprietary materials on our websites are the property of Nicolette Management LLC. Unauthorized use, reproduction, or distribution is strictly prohibited.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, NICOLETTE MANAGEMENT LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF OUR WEBSITES OR RELIANCE ON ANY INFORMATION PROVIDED ON OUR WEBSITES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS.
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. Company is not liable for any damages due to decisions made while obtaining assistance by a non-licensed third party.
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 courts located in Florida for the resolution of any disputes.
Modifications
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.
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.
Contact Information
For questions or concerns regarding this Legal Notice, please contact us at:
Nicolette Management LLC
Owner: Nicole (Nikki) Charette
PO Box 181644, Casselberry, FL 32718
Phone: 888.658.GROW (888.658.4769)
For Client Correspondence:
For Admin or Support Correspondence:
IMPORTANT NOTICE
The content on our Websites is provided for general information only and should not be relied upon for making important financial, legal, or business decisions without consulting qualified professionals.
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