Website Privacy Policy

Last modified: June 11, 2026

Introduction

Next Chapter Financial Coaching, LLC ("Company" or "We") respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website www.nextchapterfinancialcoaching.com (our "Website") and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

  • On this Website.
  • In email, text, and other electronic messages between you and this Website.
  • Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
  • When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

It does not apply to information collected by:

  • Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
  • Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or through the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Email Newsletter

If you sign up for our email newsletter, we collect your email address and use it to send you the newsletter and related updates about our free tools and resources. We use a double opt-in process: after you sign up, we send a confirmation email, and your address is only added to the mailing list after you click the confirmation link. Our emails are delivered by Resend (resend.com), a third-party email service provider that processes your email address on our behalf. Every newsletter email includes an unsubscribe link, and unsubscribing takes effect immediately. You may also ask us to remove your address at any time by emailing contact@nextchapterfinancialcoaching.com. We do not sell or share newsletter email addresses with third parties for their own marketing purposes.

Children Under the Age of 13

No one under age 13 may provide any information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

  • By which you may be personally identified, such as name, postal address, email address, telephone number, or any other identifier by which you may be contacted online or offline ("personal information");
  • That is about you but individually does not identify you; and/or
  • About your internet connection, the equipment you use to access our Website, and usage details.

We collect this information:

  • Directly from you when you provide it to us.
  • Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies.
  • From third parties, for example, our business partners.

Information You Provide to Us.

The information we collect on or through our Website may include:

  • Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, subscribing to our service, posting material, or requesting further services. We may also ask you for information when you report a problem with our Website.
  • Records and copies of your correspondence (including email addresses), if you contact us.
  • Your responses to surveys that we might ask you to complete for research purposes.
  • Details of transactions you carry out through our Website and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Website.
  • Information you provide when purchasing or accessing the Find Your Margin program, including: account registration details (name, email address, password) for our member area; purchase records associated with your member account (we do not store full payment card data; payment processing is handled by our payment processor, Stripe); your responses to optional feedback and post-program surveys; and any responses, notes, or financial information you choose to enter into the program workbook or Google Sheets tools. When you make personal copies of our Google Sheets in your own Google Drive, the information you enter into those copies stays in your Google Drive and is not transmitted to us unless you choose to share it.
  • Your search queries on the Website.

You also may provide information to be published or displayed (hereinafter, "posted") on public areas of the Website, or transmitted to other users of the Website or third parties (collectively, "User Contributions"). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

Information We Collect Through Automatic Data Collection Technologies.

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

  • Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
  • Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may include personal information. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

  • Estimate our audience size and usage patterns.
  • Store information about your preferences, allowing us to customize our Website according to your individual interests.
  • Speed up searches.
  • Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

Cookies and Tracking Technologies We Use.

We use the following analytics and advertising technologies on our Website. These set cookies or similar identifiers and may share information such as your IP address, device and browser details, and the pages you view with the providers below, who act as our analytics or advertising partners:

We also use the following providers to run core features of the Website. They may set cookies or process the information you submit:

Your choices. Analytics and advertising cookies are on by default. You can turn them off at any time using the Your Privacy Choices link in the footer of any page, or by choosing "Opt out" on the cookie notice. We also honor the Global Privacy Control (GPC) browser signal as a request to opt out of analytics and advertising on that browser. Opting out does not affect the cookies needed to run core features such as booking, payments, and sign-in. To opt out of interest-based advertising more broadly, visit the Digital Advertising Alliance or the Network Advertising Initiative.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

  • To present our Website and its contents to you.
  • To provide you with information, products, or services that you request from us.
  • To fulfill any other purpose for which you provide it.
  • To provide you with notices about your account, including expiration and renewal notices.
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
  • To notify you about changes to our Website or any products or services we offer or provide though it.
  • To allow you to participate in interactive features on our Website.
  • In any other way we may describe when you provide the information.
  • For any other purpose with your consent.

We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Email Communications

If you purchase the Find Your Margin program or otherwise provide your email address to us, you may receive: (a) transactional emails relating to your account, purchases, and access to programs you have purchased; (b) program-related emails, including welcome emails, mid-program check-ins, and post-program follow-up communications; and (c) marketing emails describing coaching services, programs, and resources that may be of interest. You can opt out of marketing emails at any time by clicking the unsubscribe link in any such email or by contacting us at contact@nextchapterfinancialcoaching.com. Opting out of marketing emails does not stop transactional emails relating to your purchases.

Disclosure of Your Information

We may disclose aggregated information about our users without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

  • To our subsidiaries and affiliates.
  • To contractors, service providers, and other third parties we use to support our business.
  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Next Chapter Financial Coaching LLC's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Next Chapter Financial Coaching, LLC about our Website users is among the assets transferred.
  • To fulfill the purpose for which you provide it.
  • For any other purpose disclosed by us when you provide the information.
  • With your consent.

We may also disclose your personal information:

  • To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
  • To enforce or apply our terms of use and other agreements, including for billing and collection purposes.
  • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Next Chapter Financial Coaching, LLC, our customers, or others.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

  • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

We do not control third parties' collection or use of your information to serve interest-based advertising.

Your State Privacy Rights

Depending on where you live (for example, California, Colorado, Connecticut, Texas, or Virginia), state consumer privacy laws may give you rights to access, correct, or delete your personal information, and to opt out of "targeted advertising" or the "sale" or "sharing" of your personal information. Our use of advertising cookies (Google Ads and the Meta Pixel) may be considered targeted advertising or sharing under these laws.

To opt out, use the Your Privacy Choices link in the footer of any page, or send your browser's Global Privacy Control (GPC) signal, which we honor as an opt-out. To make any other request, contact us using the details below. We will not discriminate against you for exercising these rights.

Data Retention

We retain personal information for as long as needed to provide services you have purchased, comply with legal obligations, resolve disputes, and enforce our agreements. Specifically: member account information is retained for the duration of your account and for a reasonable period after account closure for legal and business records purposes; purchase records are retained for at least seven years for tax and accounting purposes; marketing-list email addresses are retained until you unsubscribe; and feedback and survey responses may be retained in anonymized form for product improvement purposes indefinitely.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users' personal information, we will notify you. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices or to register a complaint or concern, contact us:

Next Chapter Financial Coaching, LLC
Email: contact@nextchapterfinancialcoaching.com
Physical Mail: 1367 Briargrove Way, Oldsmar, Florida 34677