A NOTE FROM NIKI FIRST 💛

I know — more legal stuff. But think of this page as our handshake agreement. These are the rules of our relationship, written in plain English as much as legally possible. I respect you too much to hide anything in fine print. Read it, know your rights, and let’s do great things together.

— Niki 💛

TERMS AND CONDITIONS

Last Updated: March 2026

These Terms and Conditions apply to all websites, courses, programs and services offered by:

CA DRE #01244064 | NMLS #1847894 | RN #529023

By accessing or purchasing from any of our websites or programs you agree to these Terms and Conditions in full.

1. WHO WE ARE

Niki MacDuff operates the following brands and websites:

courageouscaregiver.com
nikikingrealty.com
healingthenurse.com
healingtherealtor.com
nikiinspired.com
The Niki Method™ course and all related products

Contact: niki@macduffhomesrealty.com | 833-397-6454 | Irvine, CA

2. ACCEPTANCE OF TERMS

By visiting our websites, purchasing our courses or services, or consuming our content in any form, you agree to be legally bound by these Terms and Conditions. If you do not agree, please do not use our websites or purchase our products.

3. WHO CAN USE OUR SERVICES

Our programs and services are intended for adults 18 years of age or older. By purchasing or accessing our content you confirm you are at least 18 years old.

4. INTELLECTUAL PROPERTY

All content on our websites and in our courses including text, graphics, logos, images, audio, video, and course materials are the exclusive property of Niki MacDuff and protected by copyright law. The Niki Method™ is a trademarked system.

You may not copy, reproduce, distribute, sell, or use our content for commercial purposes without written permission. You are granted a personal, non-transferable license to use purchased course materials for your own learning only.

5. DISCLAIMER OF PROFESSIONAL ADVICE

Real Estate: Niki MacDuff is a Licensed California Real Estate Broker CA DRE #01244064. Nothing on our websites creates a client-agent relationship unless a written agreement is signed.

Mortgage: Niki MacDuff is a Licensed Mortgage Loan Originator NMLS #1847894. All mortgage information is educational only and is not a commitment to lend.

Health & Nursing: Niki MacDuff is a Registered Nurse RN #529023. All health content is educational only and does not constitute medical advice or create a nurse-patient relationship.

Financial: Nothing on our websites or in our courses constitutes financial, investment, or tax advice. Always consult a licensed financial advisor or CPA.

Legal: Nothing on our websites constitutes legal advice. Always consult a licensed attorney.

6. INCOME & EARNINGS DISCLAIMER

Any income figures mentioned in our courses or marketing materials are examples only and are not guarantees. Individual results will vary based on effort, experience, market conditions, and many other factors. There is no guarantee you will earn any specific amount of money. Building a board and care home business involves real financial risk.

7. REFUND POLICY

All sales of digital products and online courses including The Niki Method™ and Quit The Shift are final and non-refundable. By completing your purchase you acknowledge you have read and agreed to this no-refund policy. Digital products cannot be returned once accessed.

In the event of an accidental duplicate charge we will resolve it promptly.

8. PAYMENT TERMS

All prices are in US dollars. By purchasing you authorize us to charge your payment method for the full amount. In the event of a chargeback we reserve the right to report the incident to credit agencies and pursue collection of the full amount owed.

9. TESTIMONIALS

Testimonials on our websites are from real clients and students. Results are not typical and are not a guarantee you will achieve the same results. Individual results vary based on many factors.

10. THIRD PARTY LINKS

Our websites may contain links to third party websites. We are not responsible for the content or practices of those sites. Links are provided for convenience only and do not constitute endorsement.

11. PRIVACY

Your use of our websites is also governed by our Privacy Policy located at courageouscaregiver.com/privacy-policy.

12. FAIR HOUSING

Niki MacDuff and MacDuff Homes Realty comply fully with the Fair Housing Act and do not discriminate on the basis of race, color, religion, sex, national origin, disability, familial status, or any other protected class. 🏠 Equal Housing Opportunity.

13. DISPUTE RESOLUTION

Any disputes arising from your use of our websites or purchase of our products shall be resolved through binding arbitration in accordance with American Arbitration Association rules in Orange County, California. You waive the right to a jury trial. The prevailing party shall be entitled to reasonable attorney fees.

14. GOVERNING LAW

These Terms and Conditions are governed by the laws of the State of California.

15. CHANGES TO THESE TERMS

We reserve the right to update these Terms and Conditions at any time. Continued use of our websites after changes constitutes acceptance of the updated terms.

CONTACT

Niki MacDuff | MacDuff Homes Realty 📧 niki@macduffhomesrealty.com 📞 833-397-6454 📍 Irvine, CA