By accessing or using NMD, you agree to these terms. If you do not agree, please do not use this site.
These Terms of Use ("Terms") govern your access to and use of the NMD (No Money Down) website, content, tools, and services operated by NMD ZAZA ("we," "us," or "our"). By using this site, you agree to be bound by these Terms.
We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision. Continued use of the site after changes constitutes your acceptance.
All content published on NMD — including articles, newsletters, videos, tools, AI employees, and any other materials — is provided for educational and informational purposes only.
Nothing on this site constitutes financial advice, legal advice, credit counseling, or any form of professional advisory service. NMD ZAZA is not a licensed financial advisor, attorney, credit counselor, or CPA.
Results discussed in our content (credit score improvements, funding approvals, business credit outcomes) are based on individual experiences and are not guaranteed. Your results will vary based on your unique financial situation, credit history, lender decisions, and many other factors outside our control.
Always consult a qualified financial professional before making any financial decisions. Use all information on this site at your own risk.
You may use this site for personal, non-commercial educational purposes. You agree not to:
All content on this site — including text, graphics, logos, articles, tool designs, and the NMD brand — is the property of NMD ZAZA and is protected by applicable intellectual property laws.
You may share links to our content and quote brief excerpts with proper attribution. You may not republish full articles or substantial portions without permission.
This site contains links to third-party websites (Gumroad, Telegram, credit bureaus, lenders, etc.). We are not responsible for the content, privacy practices, or accuracy of any third-party site. Links do not constitute endorsement.
Any tools, calculators, or AI employees made available through NMD are provided "as is" without warranty of any kind. We make no guarantees that tools will be error-free, uninterrupted, or produce specific outcomes.
You assume all risk associated with the use of any tool or automated system provided on this platform.
Products sold through our Gumroad store are governed by Gumroad's terms and our individual product descriptions. All sales are final unless otherwise stated in the product listing. We do not guarantee specific financial outcomes from any product purchased.
To the fullest extent permitted by law, NMD ZAZA shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of this site, its content, or any products or tools offered.
This includes but is not limited to: credit decisions made by lenders, financial losses, disputes with creditors, or outcomes from following any strategy discussed on this platform.
These Terms are governed by the laws of the United States. Any disputes shall be resolved through binding arbitration under the rules of the American Arbitration Association, except where prohibited by law.
Questions about these Terms? Reach out through our Telegram community or visit our FAQ page.