Terms and Condition


Effective Date:

June 9, 2025


These Terms and Conditions ("Terms") govern your use of the website, services, and digital materials provided by

Nicole Luckey | L&M Financial Mentor. By using our site, downloading content, or scheduling a consultation, you agree to these Terms.

1. Use of Site

You agree to use this site for lawful purposes only and in a manner that does not violate the rights of others.

2. Intellectual Property

All content, including but not limited to:

eBooks and PDFs

Videos and course materials

Text, graphics, and logos

is the intellectual property of Nicole Luckey and may not be reproduced, sold, or distributed without written consent.

3. Disclaimer

The information provided is for educational purposes only and does not constitute professional financial or legal advice. Always consult with a certified financial advisor for specific guidance.

4. Limitation of Liability

We are not liable for any financial decisions or outcomes based on our content, downloads, or consultations. Use all information at your own discretion and risk.

5. Third-Party Links

Our website may include links to third-party tools or resources. We are not responsible for the privacy practices or content of those external sites.

6. Booking & Consultations

Free consultations are subject to availability. We reserve the right to reschedule or cancel appointments due to unforeseen circumstances.

7. Modifications

We reserve the right to modify these Terms at any time. Continued use of the site after changes means you accept the updated Terms.

8. Contact Us

For questions about this Privacy Policy or your data, contact us at:


📧[email protected]

Copyrights 2025 | Nicole Luckey