Privacy Policy
Effective Date: October 16, 2025
Last Updated: October 16, 2025
Introduction
NickFerrier.com ("we," "us," or "our") operates the website llocated at NickFerrier.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site and use our services.
By using our Site, you agree to the collection and use of information in accordance with this Privacy Policy.
If you do not agree with the terms of this Privacy Policy, please do not access the Site.
Information We Collect
Personal Information
We may collect personally identifiable information that you voluntarily provide to us when you:
Register for our email list
Purchase our products or services
Fill out forms on our Site
Contact us via email or contact forms
This information may include:
Full name
Email address
Payment information (processed securely through third-party payment processors)
Location/postcode (optional)
Automatically Collected Information
When you visit our Site, we may automatically collect certain information about your device, including:
IP address
Browser type and version
Pages you visit on our Site
Time and date of your visit
Time spent on pages
Referring website addresses
We use cookies and similar tracking technologies to collect this information. You can instruct your browser to refuse cookies or to indicate when a cookie is being sent.
How We Use Your Information
We use the information we collect to:
Deliver products and services you have requested
Send you our free guides
Send you marketing emails about our products and services
Improve our website and customer service
Process transactions and send transaction confirmations
Respond to your comments, questions, and customer service requests
Monitor and analyze usage and trends to improve user experience
Detect, prevent, and address technical issues and fraudulent activity
Email Marketing
When you provide your email address, you will be added to our email list. We will send you:
The free resource you requested
Educational content related to home insurance
Promotional offers for our paid products
You can unsubscribe from our emails at any time by clicking the "unsubscribe" link at the bottom of any email we send you.
Information Sharing and Disclosure
We do not sell, trade, or rent your personal information to third parties.
We may share your information with:
Service Providers: Third-party companies that help us operate our business (email service providers, payment processors, website hosting)
Legal Requirements: When required by law or to protect our rights, property, or safety
Business Transfers: In connection with any merger, sale of company assets, or acquisition
Our third-party service providers are contractually obligated to keep your information confidential and use it only for the purposes for which we disclose it to them.
Payment Processing
We use secure third-party payment processors to handle all financial transactions. We do not store your credit card information on our servers. Payment information is encrypted and processed in accordance with Payment Card Industry Data Security Standards (PCI DSS).
Data Security
We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Your Rights
Depending on your location, you may have the following rights regarding your personal information:
Access: Request a copy of the personal information we hold about you
Correction: Request correction of inaccurate or incomplete information
Deletion: Request deletion of your personal information
Opt-Out: Unsubscribe from marketing emails at any time
Data Portability: Request transfer of your data to another service
To exercise these rights, please contact us at: [email protected]
Third-Party Links
Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of these third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.
Children's Privacy
Our Site and services are not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have collected information from a child under 18, please contact us immediately.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.
Your continued use of the Site after any changes constitutes acceptance of the updated Privacy Policy.
Australian Privacy Principles
We comply with the Australian Privacy Principles contained in the Privacy Act 1988 (Cth). Australian residents have specific rights under this legislation regarding their personal information.
Contact Us
If you have questions about this Privacy Policy, please contact us at:
Email: [email protected]
Website: NickFerrier.com
Terms of Service
Effective Date: October 16, 2025
Last Updated: October 16, 2025
Agreement to Terms
By accessing and using NickFerrier.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Site.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Site constitutes acceptance of the modified Terms.
Use of the Site
Permitted Use
You may use the Site for lawful purposes only. You agree not to:
Violate any applicable laws or regulations
Infringe on intellectual property rights
Transmit harmful code, viruses, or malicious software
Attempt to gain unauthorized access to the Site or related systems
Use the Site to spam, phish, or engage in fraudulent activity
Impersonate any person or entity
Collect information about other users without consent
Account Responsibility
If you create an account, you are responsible for:
Maintaining the confidentiality of your login credentials
All activities that occur under your account
Notifying us immediately of any unauthorized use
Intellectual Property
All content on the Site, including text, graphics, logos, images, software, and digital downloads, is the property of NickFerrier.com or its content suppliers and is protected by Australian and international copyright laws.
Our Products
When you purchase our digital products (guides, systems, courses):
You receive a personal, non-transferable license to use the content
You may NOT resell, redistribute, or share the content with others
You may NOT reproduce, modify, or create derivative works
All rights not expressly granted are reserved
Products and Services
Digital Products
All products sold on this Site are digital products delivered electronically. By purchasing, you acknowledge that:
Products are delivered digitally (PDF, video, or online access)
No physical items will be shipped
Access is typically granted immediately upon payment confirmation
It is your responsibility to download and save products
Pricing and Payment
All prices are listed in Australian Dollars (AUD) unless otherwise specified
We reserve the right to change prices at any time
Payment is required in full before access is granted
We accept payment via credit card, debit card, and other methods as displayed
All payments are processed securely through third-party payment processors
Disclaimers and Limitation of Liability
No Guarantees
The information and products provided on this Site are for educational and informational purposes only. We make no guarantees, representations, or warranties regarding:
Specific results or outcomes
Insurance premium reductions
Savings amounts
Success in negotiations with insurance companies
Your Results Will Vary
Results referenced on this Site (testimonials, case studies, examples) are not typical. Your results will depend on many factors including but not limited to:
Your property location and characteristics
Your current insurance provider
Your effort and implementation
Market conditions and insurance industry factors
Your individual circumstances
Not Professional Advice
The content on this Site does not constitute:
Insurance advice
Financial advice
Legal advice
Professional consultation
We are not licensed insurance brokers, financial advisors, or legal professionals. You should always:
Read policy documents carefully
Consult with licensed insurance professionals
Seek independent financial advice
Verify all information with your insurance provider
Limitation of Liability
To the fullest extent permitted by law:
We are not liable for any direct, indirect, incidental, consequential, or punitive damages
We are not responsible for insurance decisions you make
We are not liable for any losses resulting from use of our products or information
Our total liability shall not exceed the amount you paid for our products
You acknowledge that you are solely responsible for your insurance decisions and outcomes.
Refund Policy
Digital Products - No Refunds
Due to the nature of digital products, all sales are final. We do not offer refunds once access has been granted or products have been downloaded.
By purchasing, you acknowledge that:
Digital products cannot be "returned" once accessed
You have reviewed the product description before purchase
All sales are final and non-refundable
Exceptions
Refunds may be considered in exceptional circumstances such as:
Duplicate charges due to technical error
Failure to deliver the product after payment
Material misrepresentation of product content
To request a refund review, contact us within 7 days of purchase at [email protected]
User-Generated Content
If you submit comments, reviews, testimonials, or other content to the Site:
You grant us a non-exclusive, royalty-free, perpetual license to use, reproduce, and display that content
You represent that you own the rights to the content submitted
You agree that content may be edited for length or clarity
We reserve the right to remove any content at our discretion
Third-Party Links and Services
The Site may contain links to third-party websites or services. We:
Do not endorse or control third-party sites
Are not responsible for third-party content or practices
Are not liable for any damages from third-party interactions
Termination
We reserve the right to:
Terminate or suspend your access to the Site at any time
Remove any content that violates these Terms
Take legal action for violations of these Terms
Governing Law
These Terms are governed by the laws of Queensland, Australia. Any disputes shall be resolved in the courts of Queensland, Australia.
Australian Consumer Law
Nothing in these Terms excludes, restricts, or modifies any consumer rights under the Australian Consumer Law or other applicable laws that cannot be excluded, restricted, or modified by agreement.
Indemnification
You agree to indemnify and hold harmless NickFerrier.com, its owners, employees, and affiliates from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from:
Your use of the Site
Your violation of these Terms
Your violation of any rights of another party
Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and NickFerrier.com regarding use of the Site.
Contact Information
For questions about these Terms of Service, please contact us at:
Email: [email protected]
Website: NickFerrier.com
Disclaimer
Effective Date: October 16, 2025
The information presented on this website represents potential strategies and results based on the experiences of certain individuals and is not intended to represent or guarantee that everyone will achieve the same or similar results.
Individual Results Will Vary
Examples, testimonials, and case studies presented on this Site are exceptional results and do not represent typical outcomes. Most people who purchase the products do not achieve the same results.
No Guarantee of Results
We make no guarantee that you will:
Reduce your insurance premiums
Save any specific amount of money
Achieve the same results as examples shown
Successfully negotiate with insurance companies
Your Success Depends on Many Factors
Results depend on individual effort, property characteristics, insurance market conditions, location, current insurer, and many other factors beyond our control.
Not Insurance or Financial Advice
This site provides educational information only. We are not licensed insurance brokers or financial advisors. Always consult qualified professionals before making insurance decisions.
Your Responsibility
You are solely responsible for your own insurance decisions and any consequences of implementing strategies discussed on this Site.
By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, Privacy Policy, and Disclaimer.