Terms & Conditions

1. Acceptance of Terms

By accessing, browsing, or using the NIL Wealth Strategies website located at mynilwealthstrategies.com (the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms"), together with our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must discontinue use of the Site immediately. These Terms constitute a legally binding agreement between you ("User," "you," or "your") and NIL Wealth Strategies ("Company," "we," "our," or "us").

2. Eligibility

The Site and its services are intended for individuals who are at least eighteen (18) years of age, or the age of majority in their jurisdiction, whichever is greater. By using this Site, you represent and warrant that you meet the applicable age requirement and have the legal capacity to enter into these Terms. If you are accessing the Site on behalf of a minor (such as a student-athlete under 18), you represent that you are a parent or legal guardian authorized to accept these Terms on their behalf.

3. Nature of Services

NIL Wealth Strategies provides financial education resources, risk awareness content, tax education materials, and supplemental health insurance enrollment facilitation for collegiate and professional athletes and their families. You expressly acknowledge and agree that:

• The content on this Site is educational in nature and is not intended to constitute financial advice, tax advice, legal advice, or insurance counseling.
• NIL Wealth Strategies does not provide personalized financial planning, investment advisory, or tax preparation services.
• Any insurance products referenced or facilitated through this Site are underwritten and issued solely by the applicable insurance carrier (e.g., Aflac). NIL Wealth Strategies acts as a licensed agent facilitating enrollment, not as an insurer.
• You should consult with qualified professionals, including certified financial planners, enrolled agents, certified public accountants, or licensed attorneys, before making financial, tax, or legal decisions.

4. Educational Content Disclaimer

All content published on this Site, including but not limited to articles, guides, downloadable resources, educational slides, and informational pages, is provided for general informational and educational purposes only. While we strive to ensure accuracy and timeliness, we make no representations or warranties of any kind, express or implied, regarding:

• The completeness, accuracy, reliability, or suitability of any information on the Site
• The applicability of any information to your specific financial, tax, or insurance situation
• The continued availability or accuracy of any referenced third-party resources or links

Reliance on any information provided on this Site is strictly at your own risk. Tax laws, insurance regulations, and financial requirements vary by state and are subject to change. We recommend verifying any information with the appropriate regulatory authority or qualified professional.

5. Insurance Enrollment and Third-Party Products

Where the Site facilitates enrollment in supplemental health insurance products:

• All insurance products are underwritten, issued, and administered by the respective insurance carrier. NIL Wealth Strategies is not the insurer and does not guarantee coverage, claims payment, or policy terms.
• Coverage availability, premiums, benefit amounts, and eligibility are determined solely by the insurance carrier and are subject to the carrier's underwriting guidelines, policy provisions, and applicable state regulations.
• Information regarding insurance products, including estimated premium ranges, benefit summaries, and coverage descriptions, is provided for educational purposes and may not reflect the exact terms of any specific policy. Actual policy terms govern all coverage.
• By submitting an enrollment form, you authorize NIL Wealth Strategies to share your submitted information with the applicable insurance carrier for the purpose of processing your application.

6. Intellectual Property Rights

All content, materials, and intellectual property on this Site, including but not limited to text, graphics, logos, images, educational guides, page layouts, and software, are the property of NIL Wealth Strategies or its licensors and are protected by applicable copyright, trademark, and other intellectual property laws. You may not:

• Reproduce, distribute, modify, create derivative works of, publicly display, or publicly perform any content from this Site without prior written consent
• Use any trademarks, service marks, or trade names of NIL Wealth Strategies without prior written authorization
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices from any content on the Site
• Use automated systems, bots, scrapers, or similar technology to access, extract, or collect content from the Site

7. User Conduct

By using this Site, you agree not to:

• Use the Site for any unlawful, fraudulent, or unauthorized purpose
• Submit false, misleading, or inaccurate information through any form on the Site
• Attempt to interfere with, compromise, or disrupt the security, integrity, or performance of the Site
• Transmit any viruses, malware, or other harmful code through the Site
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Access or attempt to access any portion of the Site or its systems that you are not authorized to access

8. Third-Party Links and Resources

The Site may contain links to third-party websites, documents, or resources that are not owned or controlled by NIL Wealth Strategies. These links are provided for convenience and informational purposes only. We have no control over, and assume no responsibility for, the content, privacy policies, practices, or availability of any third-party websites or resources. The inclusion of any link does not imply endorsement, recommendation, or affiliation. You access third-party sites entirely at your own risk and subject to those sites' terms and conditions.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NIL WEALTH STRATEGIES, ITS OWNER(S), OFFICERS, AGENTS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, or business opportunities
• Damages arising from reliance on any information provided on the Site
• Damages arising from insurance enrollment, claims, or coverage decisions
• Damages arising from unauthorized access to or alteration of your data or transmissions
• Any errors, inaccuracies, or omissions in Site content

In no event shall the aggregate liability of NIL Wealth Strategies exceed the amount you paid to us, if any, in the twelve (12) months preceding the claim. This limitation applies regardless of the theory of liability, whether based in contract, tort, negligence, strict liability, or otherwise.

10. Disclaimer of Warranties

THE SITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED THEREIN ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

11. Indemnification

You agree to indemnify, defend, and hold harmless NIL Wealth Strategies, its owner(s), officers, agents, employees, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of or access to the Site; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any information you submit through the Site.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, United States of America, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in the State of Georgia, and you consent to the personal jurisdiction and venue of such courts.

13. Modifications to Terms

NIL Wealth Strategies reserves the right to modify, amend, or update these Terms at any time in its sole discretion. Any changes will be effective immediately upon posting the revised Terms on this page, with the "Last Updated" date reflecting the most recent revision. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of and agreement to the modified Terms. We encourage you to review these Terms periodically.

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other provision of these Terms, and these Terms shall be construed as if such invalid, illegal, or unenforceable provision had never been contained herein. The remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices or policies published by us on the Site, constitute the entire agreement between you and NIL Wealth Strategies with respect to your use of the Site and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written, between you and us regarding the subject matter hereof.

16. Waiver

The failure of NIL Wealth Strategies to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of NIL Wealth Strategies.