Terms & Conditions

Nest Media operates on a performance guarantee, not a refund model. When you engage us, we commit to delivering 15 qualified appointments and to you earning at least $40,000 in commission from them.

If you do not earn $40,000 from the 15 appointments we deliver, we will continue providing additional qualified appointments at no additional cost until your cumulative commission from appointments we have provided reaches $40,000. We do not refund ad spend deployed on your behalf to third-party advertising platforms, as those funds are paid directly to the platforms and are outside our control.

In short: we don't give refunds — we give free appointments until you make your money back.

Either party may cancel this engagement at any time by providing written notice to the other party. Notice may be sent to ndwandwethuthuka10@gmail.com or marcoroyce@gmail.com. Cancellation becomes effective seven (7) days after we receive notice.

Upon cancellation, the following applies:

• Any advertising budget already deployed to third-party platforms is non-refundable and remains with those platforms.
• Appointments already delivered and scheduled prior to the effective date of cancellation remain yours to work and close.
• The performance guarantee continues only for the appointments already delivered as of the cancellation date. We are not obligated to deliver additional free appointments after a cancellation initiated by you.
• You remain responsible for any outstanding balance for services already rendered up to the effective date of cancellation.

We deliver qualified, booked appointments to your calendar over the course of your engagement. Delivery is not instantaneous; it ramps as campaigns optimize.

• Timeline. Expect approximately 2–3 qualified appointments in your first week, with volume increasing each subsequent week as targeting and creative optimize. We target delivery of 15–30 qualified appointments over the engagement.
• Qualification. A delivered appointment is a scheduled call with a prospect who has confirmed $250k–$1M+ in moveable assets (401k, IRA, money market, or liquid investable assets) and stated intent to consider moving funds into a fixed index annuity.
• Scheduling. Appointments are booked directly to your calendar. You are responsible for conducting the appointment, presenting your annuity offering, and closing the prospect.
• No-shows & reschedules. If a prospect no-shows, we will re-book or replace that appointment at no additional cost, provided you notify us within 48 hours of the missed appointment.
• Exclusions. We do not guarantee that any prospect will ultimately move funds or close. We guarantee qualified, intent-confirmed appointments — the closing is yours.

A "qualified appointment" is a scheduled call with a prospect who has confirmed $250,000–$1,000,000+ in moveable, investable assets (401k, IRA, money market, or comparable liquid holdings) and has stated intent to consider moving funds into a fixed index annuity. That is the standard we deliver to.

• Acceptance. You must conduct each appointment in good faith and within 14 days of it being booked to your calendar. Appointments not worked within 14 days are deemed accepted and delivered.
• Disputes. If you believe an appointment does not meet the qualification standard, notify us in writing within 48 hours of the scheduled time. We will review and, if upheld, replace it at no cost.
• No-shows. A prospect no-show does not count against your delivery total — we re-book or replace it, provided you notify us within 48 hours.

• You represent that you hold all licenses required to offer and sell fixed index annuities in every jurisdiction where your appointments occur, and that you remain in good standing with the applicable regulatory authorities.
• You are solely responsible for conducting suitability reviews, complying with state and federal insurance regulations, and ensuring any product you present is appropriate for the prospect.
• Nest Media is a marketing and appointment-setting service. We are not licensed financial, insurance, tax, or investment advisors, and we do not provide — and nothing in our services constitutes — financial, tax, insurance, or investment advice.
• You are responsible for all prospect-facing communications regarding financial products, including disclosures and any state-required advertising review. We provide ad creative for your approval before deployment; you are responsible for confirming it complies.

The prospects and lead data we deliver are provided to you for the purpose of conducting appointments and closing annuity business. You agree not to circumvent Nest Media by:

• Soliciting, referring, or sharing delivered prospects with other agents or firms outside of your engagement with us.
• Re-routing leads to bypass our arrangement or avoid future engagement fees.
• Using prospect data for any purpose other than conducting the appointments we have delivered.

A breach of this section is grounds for immediate cancellation and may give rise to a claim for the full value of fees that would have been earned on the circumvented appointments.

• We collect prospect contact details and asset-confirmation information for the sole purpose of qualifying and booking appointments on your behalf.
• We share qualified prospect information with you only as needed to deliver and schedule appointments. We do not sell prospect data to third parties.
• You agree to handle all prospect data in accordance with applicable privacy laws and to use it solely for the appointments it was provided for.
• We retain prospect qualification records for the duration of your engagement and a reasonable period thereafter to administer the performance guarantee.

• Our total liability under any engagement shall not exceed the total fees paid to us for that engagement.
• We are not liable for indirect, incidental, or consequential damages, including lost commissions, lost business, or lost opportunity.
• We are not liable for a prospect's decision not to move funds, not to purchase an annuity, or to cancel a scheduled appointment.
• We are not liable for your ability to close. We guarantee qualified, booked appointments — the selling is yours.

• The parties agree to first attempt to resolve any dispute through good-faith negotiation for 14 days before pursuing other remedies.
• Any dispute that cannot be resolved by negotiation shall be resolved by binding arbitration administered under applicable commercial arbitration rules.
• These terms are governed by the laws of the jurisdiction in which Nest Media is incorporated, without regard to conflict-of-law principles.

• Nest Media is an appointment-setting and marketing service. We are not a licensed financial, insurance, tax, or investment advisor, and we do not provide financial advice.
• You represent that you are properly licensed to offer and sell fixed index annuities in the jurisdictions where your appointments occur.
• Commission figures used in our marketing (e.g., 8% of $500k = $40,000) are illustrative based on your stated commission rate and are not a guarantee of any particular outcome on any particular deal.
• These terms may be updated from time to time; the version posted on this page is the current version governing our engagement.