This contains.

Privacy Policy.

Earnings Disclaimer.

Terms & Conditions.

Your privacy is important to us. This Privacy Policy outlines how Nicola J Scotland ("we", "us", or "our"), operated by Nicola J Gardiner, collects, uses, stores, and protects your personal information in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

By using this website, you agree to the collection and use of information in accordance with this policy.

1. Who We Are

Nicola J Scotland is a trading name used by Nicola J Gardiner to provide digital products, educational content, consulting, and other professional services. For all data-related queries, you can contact us at:
 Email: nicolajscotland@gmail.com

Nicola for the purpose of these terms may be referred to also as the company.

2. What Data We Collect

We may collect and process the following personal data:

Information you provide directly:

  • Name
  • Email address
  • Payment information (if making a purchase)
  • Any personal details you choose to share via forms, surveys, or email

Information we collect automatically:

  • IP address
  • Browser type and version
  • Time zone setting
  • Pages visited and interaction on the website (via cookies and analytics tools)
  • Device type, operating system, and platform

3. How We Use Your Information

We process your personal data for the following reasons:

  • To provide services or digital products you've requested
  • To respond to enquiries or customer support requests
  • To send marketing emails or newsletters (only with your consent)
  • To improve our website and services using analytics and usage data
  • To comply with legal or regulatory obligations

We will only process your personal data when we have a lawful basis to do so, such as your consent, performance of a contract, legal obligation, or legitimate interest.

4. Marketing Communications

If you subscribe to our newsletter or opt-in to marketing emails, we may contact you with updates, offers, or content we believe is relevant. You can unsubscribe at any time by clicking the link in any email or contacting us directly at nicolajscotland@gmail.com.

5. Sharing Your Information

We may share your personal data with trusted third-party service providers who help us run our business, such as:

  • Email marketing platforms (e.g., Mailchimp, Flodesk)
  • Payment processors (e.g., Stripe, PayPal)
  • Website hosting and analytics providers (e.g., Google Analytics)

These third parties are required to keep your information secure and only use it for the purposes we've outlined.

We will never sell, rent, or trade your personal information.

6. Data Retention

We keep your data only for as long as necessary for the purposes we collected it, including to comply with any legal, accounting, or reporting requirements.

Marketing data is kept until you unsubscribe or withdraw consent. Purchase records are typically kept for 6 years for tax and legal purposes.

7. International Transfers

Some of our service providers may be located outside the UK. If personal data is transferred outside the UK, we ensure appropriate safeguards are in place, such as UK-approved Standard Contractual Clauses or data transfer agreements.

8. Your Data Rights

You have the right to:

  • Access the personal data we hold about you
  • Request correction of inaccurate or incomplete data
  • Request deletion of your data ("right to be forgotten")
  • Restrict or object to certain types of processing
  • Withdraw consent at any time (e.g., for marketing emails)
  • Lodge a complaint if you believe your rights have been violated

To exercise any of these rights, contact us at nicolajscotland@gmail.com.

9. Data Security

We take appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, misuse, or alteration. These include encrypted storage, password protection, and limiting access to authorised personnel only.

However, no online transmission or storage method is 100% secure. We cannot guarantee absolute security.

10. Use of Cookies

Our website uses cookies to improve user experience and analyse site traffic. Cookies are small text files placed on your device.

We may use:

  • Essential cookies to make the website work
  • Analytics cookies (e.g., Google Analytics) to understand how visitors use the site
  • Marketing cookies (e.g., Facebook Pixel) to show relevant ads

You can manage or disable cookies in your browser settings. By continuing to use our website, you consent to our use of cookies.

11. Third-Party Links

Our website may contain links to other websites. We are not responsible for the privacy practices of those sites. Please review their privacy policies before providing any personal data.

12. Changes to This Privacy Policy

We may update this policy from time to time. Any changes will be posted on this page with an updated effective date. Please check back regularly to stay informed.

13. Contact Us

For questions, requests, or concerns about your data or this Privacy Policy, please contact:
 Nicola J Gardiner
 Email: nicolajscotland@gmail.com


What Are Cookies?
Cookies are small text files stored on your device when you visit a website. They help the site function properly, improve your experience, and collect analytics.

How We Use Cookies:
We use cookies to:

  • Remember your preferences
  • Improve site performance and user experience
  • Analyse traffic via tools like Google Analytics
  • Show you relevant ads through services like Facebook Pixel or Google Ads

Types of Cookies We May Use:

  • Essential Cookies – necessary for the website to function properly
  • Performance/Analytics Cookies – to understand how visitors interact with the website
  • Marketing/Advertising Cookies – to show personalised ads and track campaign performance

Managing Cookies:
You can change your cookie settings in your browser. Disabling cookies may affect how parts of our site function.

By continuing to use this website, you agree to our use of cookies as described in this policy.

Email Opt-In Disclaimer

When you subscribe to our newsletter, download a free resource, or fill in any form that includes your email address, you are giving us permission to send you occasional emails related to our services, offers, or content we think you’ll find helpful.

  • We will never sell or share your information.
  • You can unsubscribe at any time by clicking the link in the footer of any email.
  • We use email services that comply with UK data protection regulations.

Your consent is completely voluntary, and you’re free to withdraw it at any time.



Earnings Disclaimer

Disclaimer

This website is owned and operated by Nicola J Gardiner trading as Nicola J Scotland (“Company,” “we,” or “us”).

By accessing or using this website (the “Website”), including any content, functionality, and services offered through it, whether you are a guest or a registered user, you agree to comply with and be bound by this Disclaimer, along with our Terms of Use and Privacy Policy. If you do not agree to this Disclaimer or any other applicable policies, you must not use or access the Website.

Educational and Informational Purposes Only

All information, content, and resources made available on this Website are provided solely for educational and informational purposes. The materials are designed to share knowledge and insights but are not intended to be a substitute for professional advice.

No Professional Advice or Client Relationship

The content presented on this Website, including any downloadable resources, does not constitute professional advice and should not be treated as such. While Nicola J Gardiner and her team are professionals sharing information related to their areas of expertise, the information here is not tailored to your individual circumstances.

Your use of this Website, or any actions taken based on its content, does not create any professional-client relationship between you and Nicola J Gardiner, her staff, or the Company. We only establish such a relationship through formal agreements after evaluating suitability and agreeing upon terms such as fees and services.

Insider Knowledge and Training

Nicola J Gardiner and her team teach strategies and methods they have personally used successfully, alongside teachings and insights from other experts and masterminds that are usually only accessible through exclusive, high-ticket programs. This Website provides access to information that would normally be restricted to select groups.

Despite providing these valuable insights, we make no guarantees regarding your success. Results will vary based on individual effort, circumstances, and other factors beyond our control.

User Responsibility and Due Diligence

You accept full responsibility for any outcomes, positive or negative, that arise from your use or non-use of the Website and any resources available through it. It is your duty to exercise sound judgment, conduct your own research, and seek professional advice when necessary before making decisions or implementing plans based on this Website’s content.

No Guarantees or Warranties

The Company does not guarantee any specific results or outcomes from the use of information provided on this Website. Any examples or testimonials of success are not indicative of typical results. Your success depends on various factors including your skills, experience, financial situation, effort, and changing market conditions. Nicola and any staff who teach, face to face or virtually will educate using the same systems and material that got them success, others success and is without guarantees for anybody who joins.

All content and materials are provided “as is” without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Errors, Omissions, and Updates

While we take reasonable steps to ensure the accuracy and completeness of the content on this Website, errors and omissions may occur. We do not warrant that the information is error-free or up-to-date and reserve the right to modify or remove any content at any time without prior notice.

You agree not to rely solely on the information here and to verify facts independently before acting.

Affiliate Links and Endorsements

From time to time, this Website may include affiliate links or references to third-party products, services, coaches, consultants, or experts. We may earn commissions from affiliate links when you make purchases through them.

We only promote products and services we believe provide genuine value to our users. However, any mention of third-party services is not an endorsement or guarantee of their accuracy or effectiveness. You should conduct your own due diligence before making any purchase or engagement.

If you have questions about any affiliate relationships or incentives, please contact us at nicolajscotland@gmail.com

Reviews and Testimonials

Occasionally, we share reviews and testimonials from clients and customers to illustrate the potential outcomes of using our products or services. These testimonials reflect genuine experiences but do not guarantee that you will achieve similar results.

Earnings Disclaimer

All statements about earnings or income on this Website are examples of exceptional results, not typical or guaranteed. Success depends on many uncontrollable factors such as your individual situation, skill set, effort, and market conditions.

You acknowledge that any earnings or income representations are illustrative only and you agree to assume full responsibility for any decisions or actions you take.

Limitation of Liability

To the fullest extent permitted by law, Nicola J Gardiner trading as Nicola J Scotland, her employees, owners, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use or inability to use this Website, its content, or related services.

This includes, without limitation, damages for loss of profits, data, or goodwill, even if we have been advised of the possibility of such damages.

If you are dissatisfied with any part of this Website or these terms, your sole remedy is to discontinue use.

Thank you for reviewing this Disclaimer. Please use this Website responsibly and seek professional guidance when necessary.


Terms and Conditions.


By accessing or using this website (the “Website”), you enter into a binding agreement with Nicola J Gardiner trading as Nicola J Scotland (“Company,” “we,” or “us”). These Terms of Use, along with any documents referenced herein (together, the “Terms of Use”), govern your use of all content, features, and services provided on or through the Website, whether you are a registered user or a guest.

Before proceeding to use the Website, please read these Terms of Use carefully. Your continued use of the Website or your acceptance of the Terms when prompted indicates your agreement to be legally bound by these Terms of Use as well as our Privacy Policy, which is incorporated by reference. If you do not agree with these terms or the incorporated policies, you must immediately stop using or accessing the Website.

This Website is intended only for individuals who are 18 years of age or older. By using the Website, you confirm that you meet the legal age requirements necessary to form a contract with the Company and satisfy the eligibility criteria outlined here. If you do not meet these requirements, you are prohibited from using or accessing the Website.


Revisions to These Terms

We may update or amend these Terms of Use periodically at our sole discretion. Any modifications will take effect immediately upon being posted on the Website and will govern all subsequent use. By continuing to access or use the Website after changes are posted, you accept and agree to the updated terms. We recommend reviewing this page regularly to stay informed of any revisions, as they are legally binding.

Privacy Commitment

Your use of this Website is also governed by our Privacy Policy, which explains how we collect, handle, and safeguard your personal information. Please review the Privacy Policy carefully, as your agreement to it forms an integral part of these Terms of Use.

Important Disclaimer

The Website is also subject to our Disclaimer, which sets forth important notices about the limitations of the information provided here. By using the Website, you acknowledge and accept the terms within the Disclaimer, which is incorporated by reference into these Terms.

Tracking Technologies and Advertising

We may utilize cookies and similar tracking technologies, including social media pixels, to collect information about visitors. These tools help tailor advertising you see on social media platforms based on your browsing activities. All tracking is conducted in compliance with the relevant social media platform policies and applicable laws.


Updates to These Terms

We reserve the right to amend, revise, or modify these Terms of Use at any time and without prior notice. Any changes will become effective immediately once posted on the Website and will apply to your ongoing use of the site. Continued use of the Website after modifications means you consent to the updated terms. It is your responsibility to review this page periodically to stay informed of any adjustments, as they are binding on you.

Privacy Practices

Your interaction with this Website is also governed by our Privacy Policy, which details how we collect, manage, and protect your personal data. We encourage you to carefully read our Privacy Policy, as it is incorporated into and forms part of these Terms.

Disclaimer and Limitations

Use of this Website is subject to our Disclaimer, which clarifies the scope and limits of the information we provide. By accessing or using the site, you accept the terms set forth in the Disclaimer, which is incorporated by reference into these Terms of Use.

Use of Tracking Technologies

To enhance your experience and to support our advertising efforts, we may use cookies, tracking pixels, and other similar technologies, including those from social media platforms. These tools help deliver tailored advertising based on your browsing behavior across the web. We comply fully with the applicable policies of these platforms and legal requirements regarding data collection.

Permitted Use and Intellectual Property Rights

You are granted a limited, non-exclusive, non-transferable, and revocable license to access and utilize the Website and any downloadable resources available on it, strictly in compliance with these Terms of Use.

By accessing or using the Website, you affirm and guarantee that you will not employ the Website or any downloadable materials for any illegal or prohibited activities as outlined in these Terms. You agree not to use the Website in any way that might cause harm, overload, impair functionality, or interfere with others' ability to access or enjoy the Website. Attempting to obtain materials or information by methods not intentionally made accessible through the Website is prohibited.

All content displayed or provided through the Website—including but not limited to text, images, graphics, logos, software, and compilations—is the sole property of the Company or its licensors and is protected under copyright, trademark, and other intellectual property laws. You agree to respect all such rights, notices, and restrictions attached to this content and acknowledge that you will not alter or remove any proprietary markings.

You are prohibited from copying, modifying, publishing, distributing, reverse engineering, creating derivative works, selling, or otherwise exploiting any portion of the Website content or downloadable materials without explicit written consent from the Company.

The content made available on this Website is not intended for resale or unauthorized commercial use. Your use does not confer ownership of any intellectual property rights. Except as expressly authorized herein, no license or right, whether expressed or implied, is granted to you regarding the Company’s intellectual property.

The Company’s trademarks—including its name, logos, slogans, product and service names, and designs—are protected and may not be used without prior written permission. All other trademarks or service marks referenced on the Website belong to their respective owners and are likewise protected.

Educational Intent and Informational Scope

In accordance with the Disclaimer, all information and downloadable content provided on this Website are for educational and informational purposes only. They are not intended, nor should they be interpreted, as professional advice in legal, financial, tax, medical, health, or any other specialized fields.

Accuracy, Liability, and User Responsibility

While the Company strives to ensure the accuracy and reliability of the content and downloadable materials on this Website, no warranty or guarantee is provided regarding their completeness or correctness. Neither the Company nor its employees, affiliates, or owners accept responsibility for errors, omissions, or any losses arising from reliance on this information.

By utilizing this Website, you accept full responsibility for the consequences of your actions based on the information or resources obtained herein. You agree to exercise appropriate judgment and perform your own due diligence before implementing any ideas, suggestions, or strategies found on the Website.

You acknowledge that seeking advice from qualified professionals familiar with your specific circumstances is recommended before making decisions based on the Website’s content.


Use and Limitations of Community Features

Our Website may offer interactive tools such as forums, message boards, blogs, or chat areas (collectively “Community Features”) that allow users to communicate publicly or within groups. When participating in these Community Features, you agree to post content that is lawful, relevant, and respectful of others.

You must not engage in conduct including but not limited to:

  • Harassment, threats, defamation, stalking, or violations of others’ privacy or rights
  • Posting obscene, defamatory, unlawful, or infringing materials
  • Uploading files containing malware, viruses, or unauthorized copyrighted content
  • Conducting unsolicited advertising, surveys, contests, pyramid schemes, or chain letters
  • Collecting personal information of other users without consent
  • Disrupting or limiting the enjoyment of the Community Features by others

While we do not routinely monitor these interactions, we reserve the right to remove content, restrict access, or terminate your use of any Community Feature without prior notice, for any reason. We may also disclose user information if legally compelled to do so. Please exercise caution when sharing personal details. Moderators and community hosts are not Company representatives, and their opinions may not reflect our views.

Submission of Your Content

By uploading, posting, or otherwise submitting content to the Website (“User Content”), you retain ownership but grant us and our affiliates a worldwide, royalty-free license to use, modify, reproduce, publish, distribute, and display that content as necessary to operate and promote our services. This license is irrevocable and covers all media formats and distribution channels.

You agree that we are not obligated to publish or use your submissions and may remove them at any time for any reason. You also represent that you own all rights to your content or have obtained all required permissions to grant us this license, and that your submissions do not violate any laws or third-party rights.

Electronic Communications and Your Consent

By accessing the Website or sending emails to the Company, you consent to receiving communications electronically. We consider electronic communications, including emails and website notices, as fulfilling any legal requirement for written communication.

Please note that contacting us electronically does not establish a business or contractual relationship. While we strive to keep communications confidential in line with our Privacy Policy, absolute security cannot be guaranteed, and disclosures may be required by law or court orders.

Third-Party Websites and Services

Our Website may link to external sites and third-party services not operated or controlled by us. These links are provided for your convenience only, and we do not endorse or take responsibility for any content, products, or services on these external websites.

Additionally, some services accessible through our Website may be provided by third parties. By using these, you acknowledge and consent to our sharing relevant data with these partners as necessary to fulfill your requested services or products.

Disclaimer on Outcomes and Results

As described in our Disclaimer, we make no assurances or guarantees about the results you may achieve from using this Website or implementing any advice contained herein. The resources provided are intended for informational and educational purposes only.

Your success depends on numerous factors including your effort, unique circumstances, and external conditions beyond our control. Past performance or testimonials from other users do not predict or ensure that you will achieve similar outcomes.


Licensing and Restrictions on Templates and Forms

Our Website offers a selection of templates and forms available for download or purchase. When you obtain these materials, you are granted a limited, non-exclusive, personal, and non-transferable license solely for your own internal or personal business use.

You agree not to modify, reproduce, distribute, create derivative works from, reverse engineer, or otherwise exploit these templates or forms, except for completing or filling them out for authorized use.

By purchasing or downloading any such templates or forms, you acknowledge that these materials are strictly for your own use and may not be sold, shared, or redistributed without explicit written permission from the Company.

Use and Limitations of Paid Educational Content

From time to time, the Company offers various paid courses, programs, and related educational materials (collectively “Educational Content”) via the Website. By purchasing or enrolling in these courses, you receive a limited, personal, non-exclusive, and non-transferable license to access and use the content strictly for your own personal or internal business purposes.

You agree not to alter, copy, duplicate, create derivative works, reverse engineer, or exploit any part of the Educational Content in any unauthorized manner.

Furthermore, by participating in these courses, you commit not to develop competing products or services based on the information presented, nor to redistribute or resell the materials without prior written consent from the Company. Speak with Nicola about franchise or license use, if you wish to also become a Business Coach.

Access and Usage of Complimentary Resources

The Company also makes available a range of free resources (“Complimentary Content”) that may be accessed by providing your email address. Similar to other materials, you are granted a limited, non-exclusive, personal, and non-transferable license to use these resources strictly for your personal or business-related purposes.

You acknowledge that you are prohibited from modifying, reproducing, creating derivatives, reverse engineering, or exploiting the Complimentary Content in any unauthorized way.

By downloading these free resources, you agree not to sell, redistribute, or offer competing products or services based on any part of this content without the Company’s explicit written approval.


External Contributors and Guest Content

From time to time, the Company may feature content created by third-party individuals, such as interviews on podcasts, guest appearances on other platforms, guest-written blog posts, or other types of external contributions. The Company does not oversee or verify the accuracy of information provided by these guests and cannot be held responsible for the truthfulness of their statements.

Anyone agreeing to appear as a guest on any Company-hosted podcast or media agrees to transfer all intellectual property rights related to their participation to the Company. For rights that cannot be transferred, the guest grants the Company a license to use those rights without limitation.

Refund and Cancellation Terms

We want you to feel confident in your purchase and encourage you to fully engage with the materials provided. Refunds, or cancellations may be granted only after you have demonstrated a genuine effort to apply all the program strategies and have submitted required proof of participation as outlined in the program’s terms. Note the programs are based on 3 to 12 months.

Once a refund is approved, the Company will instruct its payment processor to return the funds. Please note the timing of the refund depends on the payment processor, which is outside of the Company’s control.

Receiving a refund immediately terminates all licenses to use the program content or materials. You must promptly discontinue use of and delete all copies of videos, audio, templates, documents, access to membership areas, social media groups limited to paying members, and other related resources.

Disclaimers and No Warranty

The Company provides this Website and its content “as is” without any guarantees or warranties. We make no promises regarding the accuracy, reliability, or completeness of the materials or services provided, either express or implied. This includes any implied warranties of merchantability or fitness for a particular purpose, as far as the law permits.

Limitation of Liability

By using this Website, you agree that the Company and its partners are not liable for any damages or losses, whether direct or indirect, incidental, consequential, or punitive, arising from your use or inability to use the Website or any content provided.

The information and services on this Website may contain errors or be subject to change without notice. The Company disclaims responsibility for any inaccuracies or delays in content updates.

To the extent allowed by law, the Company and its affiliates provide all Website content and services without warranty, and they shall not be liable for any damages resulting from your access or use of the Website.

Agreement to Arbitrate Disputes

You waive the right to bring any claims against the Company in court, agreeing instead that all disputes must be resolved through binding arbitration held in UK.

Class action lawsuits and collective arbitration are waived; disputes must be pursued individually. You will be responsible for the costs related to initiating and conducting arbitration as allowed by law.

Users Outside the UK and Europe - For our USA friends.

The Website and services are operated from UK and Europe. If you are accessing the Website from outside Europe, you agree to comply with all local laws governing your access and use. You must not use the Company’s content in any way prohibited by the laws of your country or region. Any misprint as US to UK must be taken as UK and not US.

Indemnification

You agree to defend and hold harmless the Company, its officers, employees, and agents from any claims, liabilities, damages, or costs (including attorney fees) arising from your use of the Website, your violation of these terms, your postings, or your violation of applicable laws or third-party rights.

The Company reserves the right to take over the defense of any claim at its own expense, and you agree to cooperate in such a defense.

Termination of Access

The Company may, at its sole discretion, suspend or terminate your access to the Website or any related services at any time, with or without notice.

If you live in a jurisdiction that does not enforce these Terms, use of the Website is unauthorized.

All disputes relating to your use of the Website shall be resolved by arbitration as described above.

No Partnership or Agency Relationship

Nothing in this agreement creates an employment, agency, joint venture, or partnership relationship between you and the Company. The Company’s compliance with legal requests or court orders does not alter this.

If any part of these Terms is deemed invalid or unenforceable, that provision will be replaced with a valid provision reflecting the original intent, while the rest of the agreement remains in force.

Nicola's choice to partner with any of her students and clients to collaborate or launch joint ventures are not included in these terms.


Complete Agreement

This document, together with the Privacy Policy and Disclaimer, forms the full and exclusive agreement between you and the Company concerning your use of the Website. It overrides any previous discussions, communications, or agreements—whether verbal, electronic, or written—that relate to the Website.

Copies of this agreement or any notices provided electronically will be considered valid and admissible evidence in any legal or administrative proceedings, treated the same as traditional printed business records. Both parties agree that this agreement and all related documentation shall be in English.

Modifications to Terms

The Company retains the right to update or revise these Terms at any time, at its sole discretion. The latest version posted on the Website will take precedence over any earlier versions. We recommend checking the Terms regularly to remain aware of any changes.

How to Reach Us

For any inquiries or feedback regarding these Terms, please contact the Company or Nicola directly. Nicola welcomes any questions.