A1The line
On Nurvimo you may describe what you did, what happened, what you would do differently, and how a process generally works. You may not diagnose, prescribe, represent, file, advise on a specific individual matter, or hold yourself out as licensed when you are not.
A2Prohibited outright
No session may be offered or delivered for:
- immigration advice, representation, form preparation or case strategy for a specific person's application or status;
- legal advice on a specific matter, drafting of legal documents for a user, or representation before any court or tribunal;
- diagnosis or treatment of any medical or mental health condition, prescribing, or psychotherapy or counselling as a clinical service;
- individual investment recommendations, portfolio management, promotion or sale of securities, insurance or mortgage products;
- preparation or filing of tax returns, or advice on a specific person's tax position;
- credit repair, credit counselling, debt settlement, debt management or loan brokering. These are separately licensed activities in most states and provinces, and in Ontario an agreement for credit repair or loan brokering carries its own statutory cancellation right, so they cannot be offered as sessions at all;
- engineering, architectural or trade certification, sign off, inspection or stamping;
- anything illegal, or instruction in how to do something illegal;
- anything sexual, and anything involving a minor.
A3Restricted, permitted with framing
- Relocation and settling in a new country. You may describe your own experience of moving, working, starting a business or building a life somewhere. You may not advise on visa categories, eligibility, applications, timing or documents for a specific person, and you may not review anyone's forms. Say “here is what happened for me” and point people to a licensed immigration lawyer or a regulated consultant.
- Personal finance. You may teach general financial literacy, budgeting, pricing, cash flow and how you financed your own business. You may not tell a person what to buy, hold or sell, and you may not use a protected title such as Financial Advisor or Financial Planner unless you hold the required credential where the user lives. You may describe how you personally got out of debt. You may not negotiate with creditors, advise on a person's debts, or offer anything that amounts to credit repair, credit counselling or debt settlement.
- Lifestyle & Wellbeing. No diagnosis, treatment, therapy, clinical counselling, individualized medical advice or medical-data interpretation. You may share your personal experiences, routines, habits and general information about lifestyle and wellbeing. You may discuss what worked for you and what you learned. You may not diagnose, assess or treat a physical or mental-health condition; provide psychotherapy, counselling or clinical coaching; recommend medication or individualized treatment; interpret symptoms, test results or medical information; or otherwise provide a service that constitutes regulated healthcare.
- Small business and skilled trades. You may share operational experience freely. You may not certify work, sign off on a design, or advise in a way that substitutes for a licensed professional where a licence is required.
- Career. You may share experiences, review a resume, and run mock interviews. You may not act as a licensed recruiter where registration is required, and you may not promise placement.
A4Professional credentials do not change the scope of a Nurvimo Session
An Expert may accurately identify a professional license, qualification or credential they hold, subject to Nurvimo verification rules. However, a Nurvimo Session remains limited to experience sharing, mentorship and general educational information. Holding a professional license does not permit an Expert to provide through Nurvimo any service prohibited or restricted by this Schedule, including individualized legal, immigration, medical, mental-health, investment, tax or other regulated professional services.
An Expert may explain their own experience working in a regulated profession and may provide general educational information consistent with this Schedule but must not use a Nurvimo Session to establish or perform a regulated professional-client relationship.
A5Enforcement
Breach of this schedule leads to immediate removal of the listing and may lead to permanent removal from the Platform, refunds to affected Explorers, and a report to the relevant regulator where required.