1Acceptance and who you are contracting with
1.1These Terms are a contract between you and MentorMeGlobal, Inc., a Delaware corporation doing business as Nurvimo (“Nurvimo”, “we”, “us”). You accept these Terms by checking the required acceptance box presented when you create your account and, where applicable, when we require acceptance of a materially revised version. You may not create or use a Nurvimo account without accepting these Terms.
1.2The following documents are part of these Terms and are incorporated by reference: the Cancellation and Refund Policy, the Code of Conduct, the Experience and Outcome Disclaimer, the Prohibited and Restricted Subjects schedule, the Recording and Session Conduct Policy, and the Copyright and DMCA Policy. Where a specific policy conflicts with these Terms, the specific policy governs for the subject it covers.
1.3If you offer sessions as an Expert, the Nurvimo Expert Agreement also applies to you and governs your relationship with Nurvimo as an Expert. Where the Expert Agreement conflicts with these Terms in relation to your activity as an Expert, the Expert Agreement governs.
1.4The Privacy Policy is not a contract. It describes what we collect and why, and you acknowledge it rather than agree to it.
2Definitions
Expert (also called a Knowledge Provider) means a user who offers sessions on Nurvimo. Explorer (also called a Knowledge Seeker) means a user who books sessions. Session means a scheduled one to one conversation booked through Nurvimo. Platform means the Nurvimo websites, applications and services. Session Fee means the amount an Expert sets for a session. Platform Fee means the amount Nurvimo charges for facilitating the transaction. Content means anything a user submits, uploads, posts or transmits through the Platform, including profiles, messages, videos, reviews and materials shared in a session.
3Eligibility and accounts
3.1You must be at least 18 years old to use Nurvimo. Nurvimo is not for children and we do not knowingly allow anyone under 18 to create an account, book a session, or take part in a session in any capacity.
3.2You may not use Nurvimo to obtain, arrange or deliver a session for a person under 18, and you may not use Nurvimo to provide instruction, tutoring, coaching or supervision to a minor. If we learn that a minor is using or benefiting from the Platform, we will close the account.
3.3You must provide accurate registration information and keep it current. One account per person. You may not create an account on behalf of someone else, share your account, or transfer it.
3.4You are responsible for your account credentials and for everything done through your account. Use a unique password, enable two factor authentication when offered, and tell us promptly at support@nurvimo.com if you suspect unauthorised access.
3.5You may not use Nurvimo if you are barred from doing so under applicable law, including if you are located in a jurisdiction subject to comprehensive economic sanctions or if you appear on a restricted party list.
4What Nurvimo is, and what it is not
4.1Nurvimo provides a platform for discovery, scheduling, communication, payment facilitation, trust mechanisms and dispute administration. Nurvimo is an intermediary.
4.2Nurvimo is not a party to the session. When an Explorer books a session, a contract for that session forms directly between the Explorer and the Expert. Nurvimo is not a party to it, does not supervise it, does not review its content in advance, and does not deliver it.
4.3Nurvimo does not employ Experts. Experts are independent individuals. Nothing on the Platform creates an employment, agency, partnership, joint venture or franchise relationship between Nurvimo and any user, or between users, and no user has authority to bind Nurvimo or to represent that they act on Nurvimo's behalf.
4.4Experts are not held out as licensed or certified. Nurvimo's premise is that practical experience is valuable. Many Experts have no formal credential in the subject they discuss, and that is by design. Unless a specific credential is displayed on a profile and marked as verified, you should assume an Expert holds no professional licence, registration or certification.
4.5Nurvimo makes no promise about outcomes. We do not guarantee that any Expert has the experience they describe, that anything said in a session is accurate, complete, current or suitable for you, or that following it will produce any result. Past experience does not predict future outcomes.
4.6You are responsible for evaluating an Expert before you book and for deciding what to do with anything you hear. Read the profile, the reviews and the introduction video. Ask questions. Use your own judgement, and take independent professional advice where the decision warrants it.
5Verification and what a badge means
5.1Nurvimo may verify certain information using third parties, including Stripe. Verification is limited and specific.
5.2Identity verified means a third party confirmed that a government issued identity document matched the person who holds the account. It means nothing else.
5.3A credential badge, where displayed, means an Expert supplied a document evidencing a stated licence, registration or qualification and that Nurvimo or its vendor checked it against the issuing body's public register at the time shown. It is not a statement that the credential remains in good standing, that it is recognised where you live, or that the Expert is competent.
5.4Verification is not a background check. Nurvimo does not conduct criminal record checks, employment history checks, credit checks or reference checks on Experts, and does not represent that any Expert has been screened for suitability or safety.
5.5Nurvimo does not endorse any Expert. Search position, badges, ratings and any featured placement are platform features, not recommendations.
6Booking, pricing and fees
6.1Experts set their own Session Fees and their own availability. Nurvimo does not set, dictate or approve Session Fees.
6.2The total amount payable, the currency, and the free cancellation deadline are displayed before you confirm a booking. Sessions are priced in United States dollars at launch. If your payment card is denominated in another currency, your bank sets the conversion rate and may charge a fee that Nurvimo does not receive and cannot refund.
6.3Nurvimo charges a Platform Fee of 15 percent of the Session Fee, deducted from the amount paid to the Expert. The Expert receives 85 percent. We will give at least 30 days' notice before changing the Platform Fee, and a change never applies to a booking already made.
6.4A booking is confirmed when payment is authorised and the Expert accepts, or when the booking is auto accepted under the Expert's settings. Until then, no session is booked.
6.5Nurvimo may offer promotional credits, discounts or introductory pricing. Promotional credits granted free of charge have no cash value, are not transferable, and may expire if we tell you the expiry when we grant them. Credits you purchase, including credits bought in bulk by an organisation, do not expire and are refundable to the extent required by applicable law.
6.6A copy of your agreement
When you book, we send you a written copy of the agreement to the email on your account, and we keep a permanent copy in your account under Bookings. It sets out the Expert, the subject, the date and time in your own timezone, the full price and currency, the cancellation terms, and our contact details, together with links to the versions of these Terms and of the Cancellation and Refund Policy that applied at the moment you booked. Consumers in several provinces and states have a statutory right to receive this. We send it to everyone.
7Payments, taxes and payouts
7.1Payments are processed by Stripe. By making or receiving payment through Nurvimo you also agree to Stripe's applicable terms. Nurvimo does not collect, store or process full payment card numbers.
7.2In collecting Session Fees, Nurvimo acts as the Expert's limited payment collection agent for the purpose of receiving payment from the Explorer. Payment of the Session Fee to Nurvimo's payment processor discharges the Explorer's payment obligation to the Expert, even if Nurvimo has not yet remitted it.
7.3Prices shown may exclude taxes, which will be shown before payment where they apply. Each user is responsible for their own tax obligations. Nurvimo does not provide tax advice. Experts are responsible for declaring, reporting and remitting all taxes on their earnings, including income tax, self employment or self assessed contributions, and any sales tax, GST or HST that they are required to charge, whether or not Nurvimo or its payment processor issues any form or slip. Full detail is in section 2 of the Expert Agreement.
7.4Payouts are released to the Expert 48 hours after the scheduled end of a session, subject to any hold applied under section 15, and are then paid out on Stripe's payout schedule. Nurvimo may withhold or reverse a payout where a session did not occur, a refund is owed, a chargeback has been raised, or fraud is suspected.
7.5Chargebacks
If you have a problem with a session, contact Nurvimo support before contacting your bank. Filing a chargeback without first using the dispute process is a breach of these Terms and may result in suspension. Where a chargeback relates to a session that was delivered, Nurvimo may recover the amount from the Expert by setoff against current or future payouts.
8Cancellations, no shows and refunds
8.1The Cancellation and Refund Policy governs. Its terms are summarised at booking and the free cancellation deadline is shown as an absolute date and time before you pay.
8.2Nothing in that policy limits any refund or cancellation right you have under the consumer protection law of your province or state, which applies regardless of anything in these Terms.
9Conduct
9.1You will comply with the Code of Conduct. In particular you will not:
- harass, threaten, bully, stalk or intimidate anyone, or discriminate against anyone on the basis of a protected characteristic including race, colour, national or ethnic origin, ancestry, citizenship, religion, sex, sexual orientation, gender identity or expression, age, disability, marital or family status, or any other characteristic protected by applicable human rights law;
- engage in sexual conduct, solicitation or sexualised communication on the Platform;
- misrepresent your identity, experience, credentials, affiliations or authority;
- use Nurvimo for anything illegal, or to plan, facilitate or promote illegal activity;
- defraud any person, launder money, or use the Platform to move value for a purpose other than a genuine session;
- share another person's private information without their consent;
- send spam or unsolicited commercial messages, or use Nurvimo primarily to generate leads for a separate business;
- manipulate the Platform, including reviews, rankings, search results, badges or referral programmes, or create fake accounts or transactions;
- scrape, crawl, reverse engineer, probe or interfere with the Platform, or bypass any technical or security measure;
- impersonate any person or entity, including Nurvimo staff.
9.2Prohibited and restricted subjects
Some subjects are prohibited outright and some are restricted. The full schedule is stated below in Schedule A and forms part of these Terms. In summary, you may share your own experience of a regulated field, but you may not perform the regulated act itself unless you hold the required licence in the user's jurisdiction and comply with its rules. This applies to legal services, immigration advice and representation, medical diagnosis or treatment, psychotherapy, counselling and mental health treatment, individual investment or securities advice, insurance and mortgage brokering, tax filing and tax advice, engineering and architecture sign off, and any other regulated practice.
9.3Emergencies
Nurvimo is not an emergency service and no Expert is one. If you are in danger, or experiencing a medical or mental health emergency, contact your local emergency number or a crisis line. Do not use Nurvimo to seek emergency help.
10Sessions, confidentiality and recording
10.1Sessions take place through Nurvimo's integrated video service. You will attend at the scheduled time and behave in accordance with the Code of Conduct.
10.2Confidentiality between users
Each of you agrees to keep confidential any non public information the other shares in a session or in messages, and to use it only for the purpose of the session. This obligation runs between you and the other participant, not between you and Nurvimo, and it survives the session. It does not apply to information that is public, that you already had, or that you are required by law to disclose.
10.3Nurvimo cannot guarantee confidentiality. We can impose this obligation, and we can enforce it by removing an account, but we cannot control what another user remembers, repeats or does. Do not share anything in a session that would seriously harm you if it were repeated. If you need enforceable protection for genuinely sensitive information, use a separate written agreement with the Expert.
10.4Recording
Sessions are not recorded unless both participants give express consent before the session, through the consent screen. Either participant may decline, and either may stop a recording in progress. You may not record a session yourself by any other means, including screen capture or a separate device, and you may not photograph, transcribe or share a recording without the other participant's written consent. The Recording and Session Conduct Policy sets out how recordings are stored, who can access them, and how long they are kept.
11Content, reviews and licences
11.1You keep ownership of your Content. You are responsible for it, and you represent that you have the rights to share it and that it does not infringe anyone else's rights.
11.2You grant Nurvimo a worldwide, nonexclusive, royalty free, sublicensable licence to host, store, reproduce, adapt for format and display your Content for the purpose of operating, securing and promoting the Platform. The licence ends for public display when you delete the Content or close your account, except for copies retained in backups, in records we must keep by law, and in reviews and transaction records that remain part of the Platform's history. We do not sell your Content and we do not use session recordings for advertising.
11.3Reviews
Only an Explorer who completed and paid for a session may review that Expert. Reviews must be honest and based on your own experience. We do not edit reviews, we do not remove a review because it is negative, and we do not offer anyone anything in exchange for a positive review. We may remove a review that breaches the Code of Conduct, contains private information, or is not about the session, and we will tell the reviewer why. Experts may respond publicly once to each review.
11.4You may not offer, request or accept any incentive for a review, and you may not review yourself, an account you control, a competitor, or a person you have a material connection to without disclosing it.
11.5Nurvimo's intellectual property
The Platform, the Nurvimo name and marks, the interface, the taxonomy and matching logic, and all software are owned by Nurvimo or its licensors. We grant you a limited, revocable, nonexclusive, non transferable licence to use the Platform for its intended purpose. Nothing else is granted.
11.6Materials shared by an Expert
An Expert keeps ownership of any templates, worksheets or materials they share. Unless the Expert says otherwise in writing, an Explorer may use them for their own personal or internal business purpose and may not resell, publish or redistribute them.
11.7Feedback
If you send us suggestions, we may use them without obligation to you.
12Third party services
12.1The Platform depends on third parties including Stripe for payments and identity verification, cloud hosting providers, our video service, and analytics and communications providers. Their services are governed by their own terms. We are not responsible for their acts or omissions, but we remain responsible for our own obligations to you.
12.2Links or references to third party sites are not endorsements.
13Communications
13.1Electronic communications consent
You agree that we may provide all notices, disclosures, agreements and records to you electronically, by email, by in product notice, or by posting to the Platform, and that electronic records and signatures satisfy any legal requirement for writing or signature. You may withdraw this consent by closing your account. To receive a paper copy of any record, write to us at the address in section 27; we may charge a reasonable fee.
13.2Service messages
We will send you transactional messages about your bookings, payments, security and account. You cannot opt out of these while you hold an account.
13.3Marketing
We only send marketing messages if you have given express consent. Every marketing message identifies Nurvimo, gives our mailing address, and contains an unsubscribe mechanism that works within ten business days. You can withdraw consent at any time in settings or by using the unsubscribe link.
13.4Messages between users
Messages sent through Nurvimo are transmitted and stored by us. We do not read them routinely, and we do not use their content for advertising. We may access them to investigate a report, to comply with law, to prevent fraud or harm, or where automated systems flag a possible policy breach. Do not use Nurvimo messaging to share payment details, identity documents or passwords.
14Privacy
Our Privacy Policy explains what we collect, why, who we share it with, where it goes, and what rights you have. Personal information is processed in the United States and may be accessible to authorities there under their laws.
15Suspension, termination and enforcement
15.1You may close your account at any time in settings. Closing your account does not cancel a booked session or waive amounts owed.
15.2We may suspend or terminate an account, remove Content, cancel a booking, withhold a payout, or limit access where we reasonably believe there has been a breach of these Terms or the Code of Conduct, a risk to another user's safety, fraud or a legal or regulatory requirement, or where a payment fails or a chargeback is filed.
15.3How we do it
Except where the risk is serious, urgent or legally constrained, we will tell you what happened, give you a way to respond, and restore access if the concern is resolved. Where we withhold a payout during an investigation, we will tell you the reason and the expected timeframe. Where we permanently remove an Expert, we will pay out amounts earned for sessions properly delivered before removal, less any refunds and chargebacks.
15.4Off platform circumvention
Nurvimo's fee is what pays for the marketplace, the payment protection and the dispute process. You may not solicit or arrange payment outside Nurvimo for a connection that started on Nurvimo, and you may not exchange contact details for that purpose before a booking is confirmed.
Circumvention takes two people. Where we find that a session arranged through Nurvimo was taken off the Platform to avoid the Platform Fee, we may suspend or terminate both accounts, the Expert's and the Explorer's. Neither side is treated as the innocent party by default, and we will look at who proposed it, whether the other person refused, and whether it happened once or repeatedly. Where one party clearly declined the approach and reported it, we will act only against the party who made it, and reporting an approach will never count against the person who reports it.
Termination for circumvention also means the loss of everything the fee paid for: payment protection, the dispute process, the cancellation and refund policy, and any recourse to Nurvimo for what happens in an off platform session. Additional consequences for Experts, including liquidated damages, are in section 7 of the Expert Agreement.
15.5Sections that by their nature should survive do survive termination, including sections 10.2, 11.1, 11.2, 16, 17, 18, 19, 21 and 22.
16Disclaimer of warranties
16.1The Platform is provided “as is” and “as available”. To the maximum extent permitted by law, Nurvimo disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, non infringement, and any warranty arising from course of dealing or usage of trade.
16.2We do not warrant that the Platform will be uninterrupted, secure or error free, that any Expert or Explorer is who they claim to be, that any statement made in a session is accurate, or that any outcome will be achieved.
16.3Canadian users
Some provinces do not permit the exclusion of implied or deemed conditions and warranties, and in Ontario a term that purports to do so is prohibited. Nothing in this section excludes or varies any condition, warranty or right that applies to you and cannot lawfully be excluded, and to that extent this section does not apply to you.
17Assumption of risk and release between users
17.1You choose which Experts to book and what to do with what you learn. You accept the risks of that choice, including that guidance may be wrong, unsuitable or unhelpful, and that a decision you make after a session may not work out.
17.2To the extent permitted by law, you release Nurvimo from claims arising out of a dispute between you and another user, including anything said or done in a session. This does not release Nurvimo from its own acts or omissions, and it does not apply where the law of your province or state does not permit it.
18Limitation of liability
18.1To the maximum extent permitted by law, Nurvimo is not liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost data, lost opportunity or business interruption, however caused.
18.2Nurvimo's total aggregate liability arising out of or relating to these Terms or the Platform is limited to the greater of (a) the total Platform Fees Nurvimo received in connection with your account in the six months before the event giving rise to the claim, and (b) one hundred United States dollars.
18.3What is never limited
Nothing in these Terms limits liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, for wilful misconduct, or for any liability that cannot be limited under applicable law.
18.4Canadian users
Where the consumer protection law of your province prohibits a monetary limit on a claim for breach of a deemed or implied condition or warranty, section 18.2 does not apply to that claim.
18.5These limits apply even if a limited remedy fails of its essential purpose, and they reflect an agreed allocation of risk in a marketplace where the fee charged is a small percentage of the transaction.
19Indemnification
19.1You will indemnify and hold harmless Nurvimo and its officers, directors and employees from third party claims, damages and reasonable legal costs arising out of (a) your breach of these Terms, (b) your Content, (c) a session you delivered or attended, (d) your violation of law or of another person's rights, or (e) your tax obligations.
19.2This section does not apply to a consumer to the extent applicable law prohibits it, and it does not apply to claims caused by Nurvimo's own negligence or wilful misconduct.
19.3We will notify you of any claim we seek indemnity for, and you may participate in the defence with counsel of your choice. We will not settle a claim in a way that admits your liability without your consent, which you will not unreasonably withhold.
20Disputes between users
20.1If something goes wrong with a session, open a support ticket or email support@nurvimo.com within 48 hours of the session. Messaging between participants closes when the session ends, so raise it with us rather than with the other person.
20.2We will look at the booking record, the messages, attendance logs and any recording both parties consented to, and we will decide on refunds and payouts under the Cancellation and Refund Policy. That decision binds the release of funds held by Nurvimo. It does not decide the underlying dispute between you and the other user, and it does not stop either of you pursuing your own remedies.
21Governing law and disputes with Nurvimo
21AIf you live in the United States
21A.1These Terms are governed by the laws of the State of Delaware, without regard to conflict of laws rules, and by applicable federal law. This does not deprive you of the protection of mandatory consumer law of the state where you live.
21A.2Informal resolution first
Before starting arbitration, send a written notice of dispute to legal@nurvimo.com describing the claim and the relief sought. Both of us will try in good faith to resolve it within 60 days. This period is a condition precedent and tolls any limitation period.
21A.3Arbitration
Any dispute not resolved informally will be settled by binding individual arbitration administered by [AAA] under its Consumer Arbitration Rules. The seat is [Dallas, Texas]. Arbitration may be conducted by document submission, telephone or video, and you may elect a hearing in the county where you live. The arbitrator decides all issues except the enforceability of section 21A.5, which a court decides.
21A.4Exceptions
Either of us may bring a claim in small claims court if it qualifies, and either of us may seek injunctive relief in court for infringement or misuse of intellectual property or for unauthorised access to the Platform.
21A.5Class action waiver
Arbitration is individual. Neither of us may bring a class, collective, consolidated or representative action, and the arbitrator may not consolidate claims without the consent of both parties. If this waiver is held unenforceable as to a particular claim, that claim proceeds in court and the rest of section 21A survives.
21A.6Mass filings
If 25 or more similar claims are filed by or with the assistance of the same counsel, they will be administered in staged batches of no more than 50, with a bellwether process, and the limitation period is tolled for claims awaiting their batch.
21A.7Opting out
You may opt out of arbitration and the class action waiver by emailing legal@nurvimo.com within 30 days of first accepting these Terms, stating your name and account email. Opting out costs you nothing and does not affect anything else in these Terms.
21BIf you live in Canada
21B.1These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there. Nothing in this section deprives you of the protection of the consumer protection law of your own province.
21B.2Section 21A does not apply to you. There is no mandatory arbitration and no class action waiver. You may bring a claim in the courts of your province, and we agree to those courts having jurisdiction.
21B.3Nothing in these Terms restricts your right to commence or join a class proceeding, or to have a dispute heard by a court in your province.
21CEveryone
21C.1Any claim must be brought within one year of when it arose, or within the longer period required by applicable law where a shorter period cannot be imposed.
22Changes to these Terms and to the Platform
22.1We may change these Terms. For material changes we will give at least 30 days' notice by email and in product, publish what changed, and require your acceptance before you keep using the Platform. A change never applies retroactively to a completed transaction, and it never applies to a booking already made.
22.2If you do not accept a material change, you may close your account before it takes effect, and we will refund any prepaid amount for sessions not yet delivered.
22.3We may change, suspend or discontinue features. We will give reasonable notice for changes that materially reduce functionality you rely on. We do not guarantee that the Platform will be available at all times.
22.4Every version of these Terms remains available at nurvimo.com/legal/terms/archive with its effective dates.
23General
23.1Severability
If a provision is unenforceable, it is modified to the minimum extent necessary or severed, and the rest remains in force. Section 21A.5 is an exception and is governed by its own terms.
23.2Assignment
You may not assign these Terms. We may assign them to an affiliate or in connection with a merger, financing, reorganisation or sale of assets, on notice to you.
23.3Waiver
A failure to enforce a provision is not a waiver of it.
23.4Entire agreement
These Terms and the documents incorporated by reference are the entire agreement between you and Nurvimo about the Platform, and replace any prior understanding on the subject.
23.5Force majeure
Neither party is liable for a failure caused by an event beyond its reasonable control, except for payment obligations already due.
23.6No third party beneficiaries, except that Nurvimo's officers, directors and employees may rely on sections 16 to 19.
23.7Language
These Terms are in English. [Where a French version is provided for Quebec users, the French version governs for those users.]
24Notices
24.1We will send notices to the email on your account or post them in product. You are responsible for keeping your email current.
24.2Send legal notices to MentorMeGlobal, Inc., 391 Las Colinas Blvd E, Ste 130-2084, Irving, TX, 75039-6291, United States, attention Legal, with a copy to legal@nurvimo.com.
25Contact
- General support: support@nurvimo.com
- Legal: legal@nurvimo.com
- Privacy: privacy@nurvimo.com
- Trust and Safety: safety@nurvimo.com
- Copyright and DMCA agent: dmca@nurvimo.com and as registered with the United States Copyright Office
- Postal: MentorMeGlobal, Inc., 391 Las Colinas Blvd E, Ste 130-2084, Irving, TX, 75039-6291, United States
Schedule A: Prohibited and Restricted Subjects
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.