Terms of Service | Next Steps Retirem 1

Effective Date: April 30, 2026

Welcome to Next Steps Retirement Coaching (“Company,” “we,” “our,” or “us”). By accessing or using this website, you agree to these Terms of Service.

1. Website Use

You agree to use this website only for lawful purposes and in a manner that does not infringe on the rights of others.

You may not:

attempt unauthorized access to the website,
interfere with website security,
transmit malicious code,
or use the website for fraudulent purposes.

2. Coaching Services

Coaching services are educational and supportive in nature and are not a substitute for professional financial, legal, medical, or mental health services.

Participation in coaching does not establish:

a fiduciary relationship,
therapist-client relationship,
attorney-client relationship,
or financial advisor relationship.

3. No Guarantees

We do not guarantee any particular outcome, result, or personal achievement from coaching services or website content.

4. Intellectual Property

All website content, branding, text, graphics, logos, downloads, and materials are the property of Next Steps Retirement Coaching and may not be copied, reproduced, or distributed without written permission.

5. Limitation of Liability

To the fullest extent permitted by law, Next Steps Retirement Coaching shall not be liable for:

indirect damages,
incidental damages,
consequential damages,
emotional distress claims,
lost profits,
financial losses,
or decisions made based on coaching services or website content.

Our total liability for any claim shall not exceed the amount paid for services giving rise to the claim.

6. Indemnification

You agree to indemnify and hold harmless Next Steps Retirement Coaching from claims arising from:

your use of the website,
reliance on coaching information,
violation of these Terms,
or misuse of services.

7. Third-Party Links

This website may contain links to third-party websites. We are not responsible for their content, privacy practices, or services. We claim no official partnership.

8. Privacy

Your use of the website is also governed by our Privacy Policy.

9. Governing Law

These Terms shall be governed by the laws of the State of Illinois, without regard to conflict-of-law principles.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Updated Terms will be posted on this page with a revised effective date.

11. Contact

For questions regarding these Terms, contact:

Next Steps Retirement Coaching, LLC
Diane@nextstepsrc.org

Disclaimer:

I am coach, not a licensed therapist, attorney, CPA, or financial advisor
services are educational/coaching only,
no guarantees of outcomes,
clients remain responsible for their own decisions.

Next Steps Retirement Coaching provides educational and coaching services only. We do not provide financial, investment, legal, tax, medical, or mental health advice. Participation in coaching services does not create a fiduciary, therapeutic, or advisory relationship. Individual results vary.

Our services are intended to support personal growth, retirement transition planning, goal clarification, accountability, and lifestyle coaching. I am not acting as licensed financial advisor, investment advisor, attorney, accountant, therapist, psychologist, physician, or other licensed professionals unless expressly stated in writing.

Nothing on this website or in our coaching sessions should be interpreted as:

financial or investment advice,
legal advice,
tax advice,
medical advice,
mental health counseling,
psychotherapy,
or fiduciary services.

Clients remain solely responsible for their own decisions, actions, financial choices, health decisions, and outcomes.

No Guarantees

We make no guarantees regarding specific results, achievements, financial outcomes, emotional outcomes, or life changes resulting from coaching services.

Testimonials and examples presented on this website are individual experiences and are not guarantees of future results.

Emergency Disclaimer

Coaching services are not appropriate for crisis intervention or mental health emergencies. If you are experiencing a mental health crisis or emergency, contact 911 or a licensed healthcare professional immediately.

Use at Your Own Risk

Your use of this website and participation in coaching services is voluntary and at your own risk.

Privacy Policy

Effective Date: April 30, 2026

Next Steps Retirement Coaching respects your privacy and is committed to protecting your personal information.

Information We Collect

We may collect:

name,
email address,
phone number,
information submitted through forms,
website usage data,
IP address,
browser/device information.

How We Use Information

We may use your information to:

respond to inquiries,
schedule services,
deliver coaching services,
improve website functionality,
send updates or newsletters,
maintain security.

Cookies & Analytics

We may use cookies and analytics tools to improve user experience and monitor website performance.

You may disable cookies through your browser settings.

Information Sharing

We do not sell personal information.

We may share information with trusted service providers who assist in operating our website or business, subject to confidentiality obligations.

Data Security

We use reasonable administrative and technical safeguards to protect personal information. However, no electronic transmission or storage system is completely secure.

Your Rights

Depending on applicable law, you may request:

access to your information,
correction of inaccurate data,
deletion of personal information,
opt-out from marketing communications.

Third-Party Services

Our website may contain links to third-party services or platforms. We are not responsible for their privacy practices. We claim no official partnership.

Children’s Privacy

This website is not intended for individuals under age 18.

Changes to This Policy

We may update this Privacy Policy periodically. Changes will be posted on this page.

Contact

For privacy-related requests, contact:

Diane@nextstepsrc.org