Compliance & Licensing

Nia for Insurance is operated by Avatarpreneur Media Group LLC, a Wyoming limited liability company. We provide insurance intelligence technology and connect owner-operators and small fleets with licensed insurance agents in their state. This page summarizes our licensing posture, regulatory disclosures, and consumer protections.

1. Insurance Services Are Transacted By Licensed Agents

Insurance services referenced on this site — including commercial auto, life, and health insurance — are transacted by licensed insurance agents in their respective states. Coverage availability, eligibility, premium rates, and policy terms are subject to state regulation and individual carrier approval. Nothing on this website constitutes an offer to sell or solicit insurance in any jurisdiction where the offering agent is not licensed.

At present, services are available only to Texas residents. Additional states will be added as licensing is established. If you are located outside Texas, please contact us at contact@niaforinsurance.com for availability updates.

2. TCPA & Communications Compliance

By providing your phone number through our website forms or interactive features, you consent to receive communications from Avatarpreneur Media Group LLC regarding insurance products, bundle quotes, agent communications, and appointment reminders. Message frequency varies. Message and data rates may apply. You may reply STOP at any time to unsubscribe or HELP for assistance. Consent to receive messages is not a condition of purchase.

For full SMS terms and conditions, see our SMS Terms page. To opt out of all communications, visit our Opt-Out page.

3. Federal Data Sources

Our platform uses publicly available data from the Federal Motor Carrier Safety Administration (FMCSA), including motor carrier authority records, MCS-150 filings, and other public regulatory data. This data is used to identify owner-operators who may benefit from the insurance products offered through our licensed agent network. We do not access non-public data, ELD telematics data, or any data restricted under federal law without explicit partnership agreements with the data provider.

4. Quote Calculator Disclaimer

Our Wealth Builder calculator and any other quoting tool on this site provides educational estimates only. Calculator output is not a binding insurance quote, does not constitute an offer of insurance, and does not bind any insurance carrier. Actual coverage and premium are determined by the insurance carrier after a complete application, underwriting review, and any required medical or financial verification. Calculator estimates are based on assumptions that may not match your specific situation.

5. Anti-Rebating & Anti-Inducement

In compliance with Texas Insurance Code § 1806 and similar statutes in other states, neither Nia for Insurance, Avatarpreneur Media Group LLC, nor any licensed agent on our platform offers rebates, premium reductions, gifts, or other valuable consideration as an inducement to purchase insurance beyond what is specified in the policy itself. Educational content, calculator tools, and informational resources provided on this site are made available to all visitors regardless of whether they elect to purchase insurance.

6. Errors & Omissions Coverage

Avatarpreneur Media Group LLC and our network of licensed insurance agents maintain professional liability (errors and omissions) insurance coverage as required by applicable state insurance regulators. Coverage details are confidential and available upon request for legitimate regulatory or legal purposes.

7. Carrier Appointments

Licensed agents on our platform write life insurance policies through Ameritas Life Insurance Corp. and its affiliates, including the Ameritas Growth IUL II (form 3031) and related products. Product availability varies by state and is subject to carrier approval. Additional carrier appointments may be added over time and will be disclosed in policy documents at the point of sale.

8. Do Not Call Compliance

We honor the National Do Not Call Registry and applicable state Do Not Call lists. Phone numbers submitted through our website forms are scrubbed against these registries before any outbound contact. If you previously consented to contact and wish to revoke that consent, reply STOP to any text message or contact contact@niaforinsurance.com with the subject line "DNC Request."

9. Complaints & Regulatory Inquiries

If you have a complaint or concern about insurance services you received through our platform or one of our licensed agents, please first contact us at contact@niaforinsurance.com so we can investigate and respond. If your concern cannot be resolved directly, Texas residents may file a complaint with the Texas Department of Insurance:

Texas Department of Insurance
Consumer Protection (MC 111-1A)
P.O. Box 12030, Austin, TX 78711-2030
www.tdi.texas.gov · Consumer Help Line: 1-800-252-3439

10. Updates to This Notice

We may update this Compliance & Licensing page from time to time as regulations change, as we add carrier appointments or service states, or as our platform features evolve. The "Last Updated" date at the top of this page reflects the most recent substantive change. Material changes that affect existing policyholders or consenting recipients will be communicated directly when required by law.

11. Related Policies

For related disclosures and consumer rights, see:

• Privacy Policy — how we collect, use, and protect your information
• Terms of Service — terms governing use of this website and platform
• SMS Terms — full text-message program terms
• Opt-Out — how to stop receiving communications

12. Contact

Questions about compliance, licensing, or this page may be directed to:

Avatarpreneur Media Group LLC
Operating as Nia for Insurance
contact@niaforinsurance.com