Legal

Terms and Conditions

Effective date: November 4, 2026

Agreement to Terms

These Terms and Conditions (“Terms”) constitute a legally binding agreement between you, whether personally or on behalf of an entity (“you”), and NXT Step Financial (“Company,” “we,” “us,” or “our”), governing your access to and use of https://www.nxtstepfinancial.com/, including any associated pages, landing pages, funnels, forms, scheduling pages, communications, or related services (collectively, the “Site”).

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms. IF YOU DO NOT AGREE WITH THESE TERMS, YOU MUST DISCONTINUE USE OF THE SITE IMMEDIATELY.

The Company reserves the right to modify these Terms at any time. Any changes will be effective upon posting. Continued use of the Site following the posting of revised Terms constitutes acceptance of those changes.

The Site is intended for individuals who are at least eighteen (18) years of age.

Intellectual Property Rights

Unless otherwise stated, the Site and all content, materials, text, graphics, logos, videos, educational resources, and other materials available on the Site (collectively, the “Content”) are the proprietary property of the Company or are used with proper authorization and are protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial informational purposes only. No part of the Site or Content may be copied, reproduced, distributed, transmitted, displayed, sold, licensed, or otherwise exploited without the Company’s prior written consent.

All rights not expressly granted are reserved by the Company.

User Representations

By using the Site, you represent and warrant that:

• You have the legal capacity to enter into these Terms.
• You will use the Site only for lawful purposes and in compliance with all applicable laws and regulations.
• You will not use the Site in a manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use.
• You will not attempt to gain unauthorized access to any portion of the Site, systems, or data.
• Any information you submit through the Site is accurate and truthful to the best of your knowledge.

The Company reserves the right to restrict or terminate access to the Site if these representations are violated.

Purchases and Refunds

All purchases are final and are subject to our Refund Policy, which is incorporated into these Terms by reference. Please review it in full at https://www.nxtstepfinancial.com/refund-policy.

Disclaimer

THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

ALL INFORMATION, MATERIALS, COMMUNICATIONS, AND CONTENT PROVIDED THROUGH THE SITE ARE INTENDED SOLELY FOR EDUCATIONAL AND INFORMATIONAL PURPOSES. NOTHING ON THE SITE CONSTITUTES OR SHOULD BE CONSTRUED AS FINANCIAL ADVICE, LEGAL ADVICE, TAX ADVICE, INVESTMENT ADVICE, INSURANCE ADVICE, OR ANY OTHER PROFESSIONAL ADVICE.

USE OF THE SITE, SUBMISSION OF FORMS, SCHEDULING OF APPOINTMENTS, OR PARTICIPATION IN COMMUNICATIONS DOES NOT CREATE A PROFESSIONAL-CLIENT RELATIONSHIP UNLESS AND UNTIL A SEPARATE WRITTEN AGREEMENT IS EXECUTED AND SERVICES ARE FORMALLY ENGAGED IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATORY REQUIREMENTS.

THE COMPANY MAKES NO GUARANTEES, REPRESENTATIONS, OR WARRANTIES REGARDING OUTCOMES, RESULTS, PERFORMANCE, OR DECISIONS MADE BY USERS. ANY RELIANCE ON THE INFORMATION PROVIDED IS SOLELY AT THE USER’S OWN RISK.

Limitations of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF THE SITE, CONTENT, OR COMMUNICATIONS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IF LIABILITY IS IMPOSED NOTWITHSTANDING THE FOREGOING, THE COMPANY’S TOTAL LIABILITY SHALL BE LIMITED TO THE AMOUNT, IF ANY, PAID BY YOU TO THE COMPANY IN CONNECTION WITH THE USE OF THE SITE.

CERTAIN JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF CERTAIN DAMAGES; IN SUCH CASES, LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Indemnification

You agree to defend, indemnify, and hold harmless the Company and its owners, employees, contractors, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of the Site;
• Your breach of these Terms;
• Your violation of any applicable law or regulation; or
• Your infringement of any third-party rights.

User Data

Information submitted through the Site may be used to communicate with you, respond to inquiries, and operate the Site. While reasonable measures are taken to protect information, no system can be guaranteed to be completely secure.

You acknowledge that you provide information at your own risk and are responsible for the accuracy of any data submitted.

Electronic Communications, Transactions, and Signatures

By accessing the Site, submitting forms, or communicating electronically, you consent to receive electronic communications and acknowledge that such communications satisfy any legal requirement that such communications be in writing.

YOU AGREE TO THE USE OF ELECTRONIC RECORDS, SIGNATURES, AND CONTRACTS AND WAIVE ANY RIGHTS REQUIRING ORIGINAL SIGNATURES OR NON-ELECTRONIC RECORDS, TO THE EXTENT PERMITTED BY LAW.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.

SMS Messaging Terms & Compliance

This messaging program sends appointment confirmation and reminder messages to users who have booked an appointment with NXT Step Financial through our website at https://www.nxtstepfinancial.com/ or via our scheduling forms and have explicitly opted in to receive SMS notifications.

Messages may include scheduling confirmations, appointment reminders, rescheduling updates, and customer support communications.

• You may cancel the SMS service at any time by replying “STOP”.
• After sending “STOP,” you will receive a confirmation message and no further SMS messages will be sent unless you re-opt in.
• For assistance, reply “HELP” or contact us at support@nxtstepfinancial.com.
• Message and data rates may apply.
• Message frequency varies based on your appointment schedule and service usage.
• Carriers are not liable for delayed or undelivered messages.
• You must be at least 18 years of age to participate.

This SMS program complies with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines.

If you have any questions regarding privacy, please read our Privacy Policy: https://www.nxtstepfinancial.com/privacy-policy

Contact Us

If you have questions regarding these Terms and Conditions, please contact:

NXT Step Financial
Email: support@nxtstepfinancial.com