Terms and Conditions
These Terms and Conditions (“Terms”) govern your access to and use of the website located at https://nico.nicobarrera.com and the digital products, educational programs, and services offered through it (the “Services”). The Services are operated by NICO BARRERA ACADEMY LLC, a limited liability company organized under the laws of the State of New Mexico, United States (“Company,” “we,” “us,” or “our”).
By accessing the website, purchasing a product, creating an account, or otherwise using the Services, you agree to be bound by these Terms. If you do not agree, you should not access or use the Services.
1 About the Company
NICO BARRERA ACADEMY LLC is an educational and digital-content company that creates and sells digital products, online courses, and educational experiences, which may include content on financial education, investing, and personal development. Contact: nicobarrera1302@gmail.com.
2 The Services
The Services may include digital educational products, online courses and training programs, educational communities, and related written, video, or audio content. The specific features, access method, and price of each product are described on the applicable sales or checkout page.
3 Educational and Financial Disclaimer
All content is provided for general educational and informational purposes only and does not constitute individualized financial, investment, legal, tax, or accounting advice. References to investments, markets, or wealth-building strategies are educational and are not a recommendation to buy, sell, or hold any specific investment. Investing involves risk, including the possible loss of principal, and past performance or hypothetical examples do not guarantee future results. You are solely responsible for your own financial decisions and for seeking independent professional advice before acting on any information provided.
4 Eligibility and Accounts
You must have the legal capacity to enter into these Terms to purchase or use the Services. If a Service requires an account, you agree to provide accurate information, keep your login credentials confidential, and notify us promptly of any unauthorized use of your account. You are responsible for all activity that occurs under your account.
5 Purchases, Pricing, and Payment
Products may be sold as one-time purchases, subscriptions, or installment plans, as described at checkout. Payment is processed through third-party payment platforms, including Hotmart; your payment information is subject to that provider's own terms and privacy policy, and the Company does not store complete payment-card data. We may change prices or offerings at any time, but a price change will not retroactively affect a purchase you have already completed.
6 Access to Digital Products and License
Access to digital products is granted electronically and may vary by product. The Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use purchased materials for your own personal, non-commercial, educational use. You may not share your access credentials or purchased materials with third parties.
7 Intellectual Property
All content made available through the Services — including text, video, audio, course materials, branding, and software — is owned by or licensed to the Company. Purchasing a product does not transfer ownership of this content to you. Except as permitted above, you may not copy, redistribute, resell, publicly share, or create derivative works from Company materials, or remove any proprietary notices.
8 Acceptable Use
When using the website or Services, you agree not to: violate applicable law; interfere with the security or operation of the website; attempt unauthorized access to any system or account; upload malicious code; or infringe the intellectual property or other rights of the Company or third parties.
9 Third-Party Services
The website may link to or integrate with third-party platforms, including payment processors. The Company does not control and is not responsible for the independent terms, privacy practices, or availability of those third-party services.
10 Refunds
Eligible purchases are covered by the Company's 7-Day Guarantee, as described in the Company's Refund Policy, which forms part of these Terms and should be reviewed prior to purchase.
11 Disclaimers
To the maximum extent permitted by law, the Services are provided “as is” and “as available,” without warranties of any kind. The Company does not guarantee that the website will be uninterrupted or error-free, that any particular educational outcome will be achieved, or that any specific financial or personal result will occur.
12 Limitation of Liability
To the maximum extent permitted by applicable law, the Company and its owners, members, managers, employees, and contractors will not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of the Services. To the extent liability cannot be excluded, the Company's total aggregate liability arising out of or relating to the Services will not exceed the total amount you paid to the Company for the specific product giving rise to the claim during the twelve (12) months preceding the event giving rise to the claim.
13 Indemnification
You agree to indemnify and hold the Company harmless from any claims, losses, or expenses arising from your violation of these Terms or your unlawful use of the Services.
14 Modifications and Termination
We may update these Terms from time to time; the “Last Updated” date will reflect the most recent version, and continued use of the Services after changes take effect constitutes acceptance of the revised Terms. We may suspend or terminate your access to the Services for violation of these Terms, fraudulent activity, or as required by law.
15 Governing Law
These Terms are governed by the laws of the State of New Mexico, United States, without regard to conflict-of-law principles. Any dispute arising from these Terms will be subject to the jurisdiction of the state or federal courts located in New Mexico.
16 General Provisions
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect. These Terms, together with any product-specific terms and other published policies, constitute the entire agreement between you and the Company regarding the Services.
17 Contact
Questions about these Terms may be directed to: nicobarrera1302@gmail.com.
Privacy Policy
NICO BARRERA ACADEMY LLC (“Company,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit https://nico.nicobarrera.com, purchase our products, or otherwise interact with our business.
1 Who We Are
The website and Services are operated by NICO BARRERA ACADEMY LLC, New Mexico, United States. Contact: nicobarrera1302@gmail.com.
2 Information We Collect
- Information you provide directly: name, email address, contact details, account information, and information you submit through forms, purchases, or customer-support requests.
- Purchase information: transaction details processed by the Company and/or our payment processor, Hotmart. The Company does not directly store complete payment-card information.
- Technical and usage information: such as IP address, browser type, device and operating system information, pages visited, and general usage data, collected automatically when you visit the website.
3 Cookies
The website may use cookies and similar technologies to operate the site, remember preferences, and understand how the website is used, and, where applicable, to support analytics or advertising. You can control cookies through your browser settings.
4 How We Use Information
We use information to: provide and deliver the Services; process purchases and refunds; manage accounts; provide customer support; maintain and improve the website; prevent fraud and abuse; comply with legal obligations; and, where permitted, send promotional communications.
5 Marketing Communications
Where we send marketing communications, we will provide a reasonable method to unsubscribe or opt out at any time.
6 How We Share Information
We may share information with service providers who help operate our business, such as payment processors, hosting and technology providers, and customer-support tools, or with government authorities where required by law. We do not sell personal information.
7 Payment Processors
Purchases are processed through Hotmart or another third-party payment provider. Your information may be handled under that provider's own privacy policy, which the Company does not control.
8 Data Retention and Security
We retain personal information for as long as reasonably necessary to provide the Services, maintain business records, and comply with legal obligations. We use reasonable measures to protect personal information, although no method of transmission or storage over the internet is completely secure.
9 International Data Transfers
Because we may use service providers located in different countries, your information may be processed outside the country where you reside. Where required by applicable law, we intend to apply appropriate safeguards to such transfers.
10 Your Privacy Rights
Depending on where you live, you may have rights to request access to, correction of, or deletion of your personal information, and to opt out of certain marketing communications. To exercise these rights, contact nicobarrera1302@gmail.com; we may need to verify your identity before processing a request.
11 New Mexico Privacy Notice
The Company is organized in New Mexico. New Mexico does not currently have a comprehensive consumer privacy law comparable to those of some other states, but does maintain specific protections regarding the handling of Social Security numbers. This Policy does not claim that the Company is subject to, or exempt from, any particular state's comprehensive privacy law; if such obligations become applicable in the future, this Policy will be updated accordingly.
12 Changes to This Policy
We may update this Privacy Policy from time to time. The “Last Updated” date reflects the most recent version, and continued use of the Services after changes take effect constitutes acceptance of the updated Policy.
Last Updated: August 21, 2026