Terms & Conditions
Effective Date: September 24, 2026
These Terms & Conditions ("Terms") govern your use of the Nieckarz Media website, forms, scheduling pages, and related communication services.
By accessing our website, submitting a form, requesting information, or using our services, you agree to these Terms.
1. About Nieckarz Media
Nieckarz Media provides information, consultation, and lead-generation services relating to life insurance and related insurance products.
Submitting a request through our website or advertising forms does not guarantee approval for, availability of, or eligibility for any insurance product or policy.
Insurance products, underwriting decisions, eligibility, premiums, coverage amounts, and policy terms are determined by the applicable insurance carrier and are subject to its underwriting guidelines and requirements.
2. Information Requests
When you submit your information through one of our forms, you are requesting that Nieckarz Media contact you regarding the information or services you selected.
You agree to provide information that is accurate and current to the best of your knowledge.
Submitting a form does not create an insurance policy, insurance contract, or guarantee of coverage.
3. Telephone Communications
By providing your telephone number, you may be contacted regarding your inquiry or request.
Calls may be made using manual or automated dialing technology where permitted by applicable law and based on the consent or other legal basis applicable to the communication.
You may request that we stop contacting you by phone at any time.
4. Text Messaging Terms
If you separately consent to receive text messages from Nieckarz Media, you agree that we may send messages consistent with the type of messaging described in the consent disclosure presented to you.
Messages may include:
Responses to your inquiry
Confirmation that your request was received
Appointment or consultation reminders
Customer-service communications
Other communications related to the specific request for which you provided consent
Marketing or promotional messages if you separately provided the required marketing consent
Message frequency may vary. Message and data rates may apply.
You are not required to consent to receive text messages in order to submit a request or purchase any goods or services.
To stop receiving text messages, reply STOP to any message.
For assistance, reply HELP or contact us using the information provided below.
After you send STOP, we may send one final confirmation message confirming that you have been unsubscribed, after which no further messages will be sent unless you provide a new valid opt-in.
5. Consent to Text Messaging
Text-message consent is not implied solely because you provide a telephone number.
Where required, text-message consent must be affirmatively provided through the applicable consent mechanism.
Marketing and non-marketing text-message consent may be presented separately. Consent to one category does not automatically constitute consent to another category.
You may withdraw your text-message consent at any time by replying STOP.
6. No Guarantee of Insurance Coverage
Information provided through this website is for informational and communication purposes.
Nieckarz Media does not guarantee that you will qualify for any particular insurance product, coverage amount, premium, underwriting class, or policy.
Final decisions regarding insurance coverage are made by the applicable insurance carrier based on its underwriting requirements and applicable law.
7. Third-Party Insurance Carriers
Insurance products discussed with you may be offered by third-party insurance carriers.
Each carrier has its own products, underwriting requirements, rates, terms, conditions, and eligibility standards.
Any insurance policy is subject to the terms and conditions of the actual policy issued by the applicable carrier.
8. Website Use
You agree not to use our website or forms for unlawful purposes or in a manner that could damage, disable, overburden, or impair the website or interfere with another person's use of the website.
We reserve the right to modify, suspend, or discontinue any portion of the website or services at any time.
9. Third-Party Websites and Services
Our website, advertisements, forms, or communications may contain links to third-party websites or services.
We are not responsible for the content, availability, security, or privacy practices of third-party websites or services.
Your use of third-party services may be subject to their own terms and policies.
10. Privacy
Your use of our website and submission of personal information is also governed by our Privacy Policy.
You can review our Privacy Policy here:
Privacy Policy: [INSERT PRIVACY POLICY URL]
Our Privacy Policy explains how we collect, use, maintain, and protect personal information.
11. Changes to These Terms
We may update these Terms from time to time.
When changes are made, we will update the Effective Date at the top of this page.
Your continued use of our website after updated Terms are posted constitutes acceptance of the updated Terms to the extent permitted by applicable law.
12. Contact Information
If you have questions regarding these Terms, our communications, or a request you submitted, contact:
Nieckarz Media
Phone: [419-722-5471]
Website: [nieckarzmedia.com]
Last Updated: September 24, 2026