Legal

Refund Policy

Effective date: November 4, 2026 · Version RP-2026-11-04

This Refund Policy governs all purchases made through https://www.nxtstepfinancial.com/ and through any checkout page operated by NXT Step Financial, and is incorporated by reference into our Terms and Conditions and into any enrollment agreement you accept at checkout. By enrolling in or purchasing any program, product, or service offered by NXT Step Financial (“Company,” “we,” “us,” or “our”), you agree to the terms below.

1. What You Are Purchasing

You are purchasing access to coaching services, educational materials, and related deliverables as defined in the applicable Scope of Services for your program. Our services are deemed delivered when access, credentials, scheduling links, or materials are made available to you, whether or not you attend sessions, log in, or otherwise use them.

2. All Sales Are Final

Because of the nature of our services, which provide immediate access to time, expertise, and proprietary materials, ALL PAYMENTS ARE FINAL AND NON-REFUNDABLE. This applies regardless of your attendance, completion, use, or non-use of the program, and regardless of the results you experience.

3. Subscriptions and Recurring Billing

Where you enroll in a subscription or recurring-billing offering: (a) you authorize us to charge your payment method on a recurring basis; (b) the subscription automatically renews at the then-current rate for successive periods until you cancel; (c) you may cancel at any time by emailing support@nxtstepfinancial.com at least 3 days before your next billing date, with cancellation effective at the end of the current billing period; (d) charges are not prorated, and no refund is issued for the current or any prior billing period; (e) if a payment fails, we may retry the charge and suspend access until it clears, and you agree to keep a valid payment method on file; and (f) we may change subscription pricing with at least 30 days’ notice, and your remedy if you do not agree is to cancel before the change takes effect.

4. Payment Plans

A payment plan is a scheduling accommodation for a single purchase, not a subscription. The full program price is owed at the time of enrollment. (a) You authorize us to charge your payment method on file for each scheduled installment. (b) If any installment remains unpaid for more than 10 days past its due date, the entire remaining balance may become immediately due and payable (acceleration). (c) A late fee of $35.00 may be applied to any overdue installment. (d) Suspension of access for non-payment does not cancel or reduce the balance owed.

5. No Guarantee of Results

Our programs are educational and depend on your own effort and circumstances. We make no guarantee of any specific outcome, income, or business result. Dissatisfaction with results, or a change of mind, is not grounds for a refund.

6. Your Acknowledgment at Checkout

Before payment is processed, you are required to affirmatively accept this Policy. The date, time, IP address, and policy version of your acceptance are recorded. By completing your purchase you acknowledge that:

• you have read and understood this Refund Policy;
• all payments are final and non-refundable;
• you are authorizing the charges described at checkout, including any scheduled installments; and
• no verbal or written statement by any representative overrides this Policy.

7. Chargebacks and Payment Disputes

(a) If you have a concern about a charge, you agree to contact us first at support@nxtstepfinancial.com and allow at least 5 business days to resolve it. (b) You authorize us to present to your bank, card network, or payment processor any records relevant to a dispute, including this Policy, any enrollment agreement, your recorded acceptance and IP address, the applicable Scope of Services, and access, usage, attendance, and communication records. (c) If a chargeback is filed for a valid purchase, we may revoke access and pursue recovery of the disputed amount together with any processor fees, collection costs, and reasonable attorneys’ fees, and may refer the matter to collections. (d) Nothing in this Policy waives your rights under applicable card-network rules or law, and nothing waives ours.

8. Cancellation by You

You may discontinue participation at any time, but doing so earns no refund of amounts paid, and any remaining payment-plan balance survives cancellation and remains due.

9. Termination by the Company

We may suspend or terminate your access for abusive or unlawful conduct, breach of confidentiality, or the unauthorized sharing or resale of our materials. In such cases no refund is owed, and any remaining payment-plan balance survives.

10. Billing Errors

If you believe a genuine billing error has occurred, notify us within 7 days of the charge. We will review demonstrable errors in our sole discretion. This section does not create any right to a refund of valid purchases.

11. Exceptions Required by Law

Nothing in this Policy limits any non-waivable rights or statutory cooling-off rights you may have under applicable law, which control to the extent they apply. The remainder of this Policy continues in full force.

12. General

This Policy, together with the Terms and Conditions and any enrollment agreement accepted at checkout, is the entire agreement regarding refunds. If any provision is found unenforceable, the remainder continues in effect. Our failure to enforce any provision is not a waiver of it. We may modify this Policy at any time, effective upon posting, and the version in effect on your purchase date governs that purchase.

13. Governing Law and Venue

This Policy shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. You agree that the exclusive jurisdiction and venue for any dispute arising out of or related to this Policy shall be the state and federal courts located in Palm Beach County, Florida.

14. Contact Us

If you have any questions about this Refund Policy, please contact us:

NXT Step Financial
Email: support@nxtstepfinancial.com