Terms & Conditions When Investing In Consulting, Training or Education
Please ensure that you choose to invest wisely with us. There are no refunds made available to you due to change of mind. All programs, training programs and education sessions (and other such services provided by Nicola Moras~Covert Marketing) are based on you and your company doing ‘the work’ and implementing the training/consulting/education as required in order for you to achieve the result you require.
Earnings Disclaimer
Advice Warning: Results that each individual achieves are based on their level of input, implementation and commitment to achieving a result. I do not have an MBA or a degree. I am self taught in marketing and business and successful at it, however, my results aren’t typical. Each person gets different results and your results will be dependent on how you implement what you learn.
Privacy, Legal & Terms – The Real Talk Version
Welcome to the fine print – but don’t worry, we keep it human, honest, and helpful. Here’s everything you need to know when you work with Nicola Moras ~ Covert Marketing.
1. Terms & Conditions When Investing in Consulting, Training or Education
Let’s keep it real:
We show up 100% committed, and we expect the same from you. That means:
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No refunds for change of mind.
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All programs, courses, sessions, and consulting are based on you showing up and doing the work.
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Results come from your action, not just soaking up information.
2. Earnings Disclaimer
Heads up: There’s no magic wand. Your results are directly tied to how you implement what you learn.
Nicola’s self-taught in marketing and business (no MBA here), and she’s proof you don’t need a degree to be wildly successful. But her results? Not typical. Yours will depend on your hustle, consistency, and commitment.
3. Refunds & Cancellations
We’re upfront with you from the start. Here’s how refunds work across the board:
| Product/Service | Cancellation | Refund |
|---|---|---|
| Free stuff from the website | n/a | n/a |
| Workshops, courses, mastermind programs | n/a | ❌ No refunds outside statutory rights |
| Consulting/strategy service calls | Self-managed via Acuity link | ❌ No refunds outside statutory rights |
| Physical products (books/journals) | Contact support for return instructions | ✅ Refunds/replacements only if faulty or damaged |
If in doubt, email us at support@nicolamoras.com.au.
4. Privacy Notice – aka: The ‘Boring But Important’ GDPR Bit
We collect data (like your email) in exchange for free or paid goodies. That lets us show up in your inbox with value, ideas, insights, and a whole lotta sass to help you grow your business.
If you don’t like that? No stress. Just don’t opt in. But if you do, we’ll treat your info with the utmost respect and confidentiality.
4.1 What We Collect
When you opt in, download something, or buy a service, we may collect:
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Name
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Email
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Billing details (never stored on our servers)
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Business info
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IP address and usage stats (for site performance and ads)
4.2 How We Use It
Depending on what you access, your data may be:
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Added to our Kartra email list
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Used for secure payment via Stripe or Paypal
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Logged into our member portal so you can access your stuff
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Tracked anonymously via Google Analytics or Facebook Pixel
We NEVER sell or rent your data. Ever.
4.3 Cookies & Tracking
We use cookies (not the choc-chip kind, sorry) to see how you use our site and to improve your experience. Cookies help us:
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See what pages you love
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Show you relevant content or ads
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Build better offerings
You can opt out by adjusting your browser settings.
4.4 Third-Party Links
We sometimes link to helpful third-party content. Once you leave our site, we’re no longer responsible for their policies or actions.
4.5 Your Rights
You can:
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Unsubscribe anytime (there’s a link in every email)
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Request to see or delete your data
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Ask us to stop tracking you
Email support@nicolamoras.com.au to make it happen.
4.6 Children’s Privacy
This site isn’t for kids. If you’re under 18, please don’t provide your details or access services. Parents, you’re encouraged to help keep your kids safe online.
4.7 Legal Obligations
We’ll only ever share your info if we’re legally required to (e.g., court order or tax audit).
4.8 Updates & Versioning
This policy gets updated from time to time. The most current version lives right here.
Issue No: 2
Last Updated: March 25, 2025
5. General Disclaimers
Our content is educational. Nothing on the site, in coaching, or products should be considered legal, medical, financial, or tax advice.
You’re responsible for your decisions and results. Testimonials are real, but your results will vary.
6. Affiliate Links
Sometimes we share affiliate links — but only for things Nicola genuinely loves and uses. When that happens, you’ll always know.
7. Business Details
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Business Name: Covert Marketing (Trading as Nicola Moras)
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ABN: 98 946 504 943
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Country: Australia
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Website: www.nicolamoras.com.au
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Email: support@nicolamoras.com.au
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Postal Address: PO Box 927, Mildura VIC 3502, Australia
8. Contacting Us
Got questions, concerns, or just want to say hi? You can reach us at:
Email: support@nicolamoras.com.au
Post: Attn: Privacy Policy, Covert Marketing, PO Box 927, Mildura VIC 3502, Australia
Thanks for reading the fine print — you’re a rockstar. Now go take action and make some magic.
Nicola xo