A NOTE FROM NIKI BEFORE THE LEGAL STUFF 💛
Okay, friend. Take a deep breath. What you’re about to read is not exactly beach reading.
In a perfect world, I’d simply say “I promise I’m one of the good ones” and we’d shake hands and get to work. But thanks to a handful of people who sued McDonald’s over hot coffee and never looked back, we now live in a world where even the most genuine, heart-led humans like me have to write pages like this one.
So here we are.
Everything you’re about to read is legally required — not because I’m hiding anything, not because I’m trying to trick you, and definitely not because my lawyer thinks you’re a bad person. It’s because I AM a licensed Realtor, a licensed Mortgage Lender, AND a Registered Nurse — which basically means I have three different government agencies who would like a word with me if I don’t dot every single i and cross every single t.
I built this course from 30 years of real experience, real licenses, and a very real passion for helping nurses build financial freedom. Every word I teach comes from my heart AND my professional expertise.
But the world is litigious. Google it if you need to. 😂
So please read this, know that I mean every word of it, maybe chuckle once or twice, and then go build your empire.
With love, zero fine print in my heart, and approximately 1,000 words of fine print below —
— Niki 💛
Here we go….
Here is the complete page in one single copy-paste block:
A NOTE FROM NIKI BEFORE THE LEGAL STUFF 💛
Okay, friend. Take a deep breath. What you’re about to read is not exactly beach reading.
In a perfect world, I’d simply say “I promise I’m one of the good ones” and we’d shake hands and get to work. But thanks to a handful of people who sued McDonald’s over hot coffee and never looked back, we now live in a world where even the most genuine, heart-led humans like me have to write pages like this one.
So here we are.
Everything you’re about to read is legally required — not because I’m hiding anything, not because I’m trying to trick you, and definitely not because my lawyer thinks you’re a bad person. It’s because I AM a licensed Realtor, a licensed Mortgage Lender, AND a Registered Nurse — which basically means I have three different government agencies who would like a word with me if I don’t dot every single i and cross every single t.
I built this course from 30 years of real experience, real licenses, and a very real passion for helping nurses build financial freedom. Every word I teach comes from my heart AND my professional expertise.
But the world is litigious. Google it if you need to. 😂
So please read this, know that I mean every word of it, maybe chuckle once or twice, and then go build your empire.
With love, zero fine print in my heart, and approximately 1,000 words of fine print below —
— Niki 💛
DISCLAIMER & TERMS OF USE
courageouscaregiver.com | Last Updated: March 2026
GENERAL DISCLAIMER
The information provided on this website and in any courses, programs, emails, or social media content by “…by Niki MacDuff, MacDuff Homes Realty, Courageous Caregiver, and The Niki Method™…”is for educational and informational purposes only. Nothing on this site constitutes legal, financial, medical, real estate, mortgage, or professional advice. Use of this website does not create any professional relationship of any kind.
PROFESSIONAL LICENSES
Niki MacDuff operates under the following professional licenses:
Real Estate: Licensed California Real Estate Broker, CA DRE #01244064, MacDuff Homes Realty. Niki MacDuff is a licensed Realtor — but NOT your Realtor unless a written representation agreement has been signed by both parties. Nothing on this site creates a client-agent relationship.
Mortgage Lending: Licensed Mortgage Loan Originator, NMLS #1847894. All loan information shared is for educational purposes only. Loan approval is subject to credit qualification, underwriting, and lender requirements. Interest rates and loan terms are subject to change without notice. This is not a commitment to lend.
Nursing: Holistic Registered Nurse, RN License #529023. Health and wellness content shared on this site is for educational purposes only and does not constitute medical advice. Nothing on this site creates a nurse-patient relationship. Always consult your licensed healthcare provider before making any changes to your health, medications, diet, or treatment plan.
INCOME & EARNINGS DISCLAIMER
PLEASE READ THIS CAREFULLY.
Any income figures, revenue examples, or financial results mentioned on this website, in courses, emails, videos, testimonials, or social media — including but not limited to figures such as $9,000/month, $13,000/month, $150,000/year, or $300,000/year — are illustrative examples only and are NOT guarantees of income.
Individual results will vary significantly based on, but not limited to:
- Your individual effort, commitment, and follow-through
- Your financial situation, credit, and access to capital
- Your local real estate market conditions
- Your prior experience in real estate, healthcare, or business
- Economic conditions outside of our control
- Licensing requirements in your state
There is NO guarantee — expressed or implied — that you will earn any specific amount of money, or any money at all, by purchasing or completing this course. Building a board and care home business involves real financial risk. You could lose money. Past results of any student or example shared do not guarantee future results for you.
You are solely responsible for your own financial decisions. Always consult a licensed financial advisor, CPA, and attorney before making any investment or business decisions.
TESTIMONIALS DISCLAIMER
Testimonials, reviews, and success stories shared on this website are from real clients and students. However, their results are not typical and are not a guarantee that you will achieve the same or similar results. Individual results depend on many factors unique to each person including effort, experience, market, and financial situation.
NO PROFESSIONAL ADVICE
Nothing on this website or in any course, email, video, or communication from Niki MacDuff or MacDuff Homes Realty constitutes:
- Legal advice — consult a licensed attorney
- Financial or investment advice — consult a licensed financial advisor or CPA
- Medical or health advice — consult your licensed healthcare provider
- Tax advice — consult a licensed CPA or tax professional
REFUND POLICY
“All sales of The Niki Method™ course and any digital products, courses…”and downloadable content are final and non-refundable. By completing your purchase you acknowledge that 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, please contact us and we will resolve it promptly.
AFFILIATE & THIRD PARTY DISCLAIMER
This site may contain links to third party websites or resources. Niki MacDuff and MacDuff Homes Realty are not responsible for the content, accuracy, or practices of any third party websites. Any mention of third party products or services is not an endorsement unless explicitly stated.
FAIR HOUSING
Niki MacDuff and MacDuff Homes Realty are committed to the Fair Housing Act. We do not discriminate on the basis of race, color, religion, sex, national origin, disability, familial status, or any other protected class. 🏠 Equal Housing Opportunity.
CALIFORNIA PRIVACY RIGHTS (CCPA)
If you are a California resident, you have the right to know what personal information we collect, request deletion of your data, and opt out of the sale of your personal information. We do not sell your personal information to third parties. To exercise your rights, contact us at niki@macduffhomesrealty.com.
CONTACT
Niki MacDuff | MacDuff Homes Realty CA DRE #01244064 | NMLS #1847894 | RN #529023 📧 niki@macduffhomesrealty.com 🌐 courageouscaregiver.com 📍 Irvine, CA 📞 833-397-6454
Equal Housing Opportunity 🏠 | © 2026 MacDuff Homes Realty. All Rights Reserved.
⚠️ IMPORTANT NOTE: This disclaimer was prepared for general protective purposes. Niki MacDuff is not a licensed attorney. For complete legal protection specific to your business, consult a licensed California attorney.