Privacy Policy

This policy outlines how NextStepMoney values your privacy. Please contact [email protected] if you have questions about your account. Last Updated: March 10, 2017

General
NextStepMoney is a registered trademark of Next Step Universe LLC. NextStepMoney respects the privacy of every individual who visits www.NextStepMoney.com (“website”) or responds to our registration form, contests, or interactive advertisements. NextStepMoney’s Privacy Policy outlines the information NextStepMoney will collect and how we will use that information. This Policy also tells you what to do if you do not want your Personal Information to be shared when you visit our website or respond to our advertising.

By using the website, you agree to the terms of this Privacy Policy. If you do not agree with any terms or practices described in our Privacy Policy, please do not use our website.
We do not attempt to collect excessive or irrelevant information, whether that information personally identifies you or not. We collect information to support our interaction with you. We will take reasonable steps to delete or de-identify information about you that we collect when we no longer need it to interact with you. Until you notify us by following the instructions under “Opt-out” below or we determine that the information is no longer needed, we may retain information we collect indefinitely.

Personally Identifiable Information
Personal Information is information that identifies you or can be used to identify or contact you, e.g., your name, physical or email addresses, or telephone numbers, which we may collect during your registration with NextStepMoney or in emails to us and in online forms, orders, and surveys. If you do not want your Personal Information collected, DO NOT submit it to us. NextStepMoney will not collect your Personal Information unless you provide it voluntarily. You do not have to provide Personal Information to visit the website, but if you choose to withhold requested information, you may not be able to use all the features of our website.

If you do submit Personal Information we will:

store and process it to better understand your needs and how we can improve our products and services;
use it to contact you for account, informational, marketing and promotional purposes;
based upon your selections, disclose it to third parties listed on NextStepMoney’s Registration Page http://www.NextStepMoney.com/register), who may contact you for information, marketing and promotional purposes;
disclose it to third parties (including legal authorities) if we believe that disclosure might be legally required or necessary to identify, contact, or bring legal action against someone who may be injuring or interfering with the rights or property (either intentionally or unintentionally) of NextStepMoney, other members or users of the website, or anyone else whom we believe could be harmed by such activities;
disclose it when we believe that disclosure is necessary to enforce our Terms and Conditions; and
disclose it to independent contractors we engage to assist with or perform any of the foregoing activities.

Additionally, if you do submit Personal Information

NextStepMoney may distribute your information to third parties not listed on the Registration Page but who will provide information to you for marketing purposes; and
NextStepMoney may provide it to select advertisers appropriate.

By using our service to request information from our advertising clients and advertising partners, you are giving permission to NextStepMoney and these parties (or their partners and vendors) to contact you using the methods of their choice, to fulfill your information request, notwithstanding your possible listing in the National Do-Not-Call Registry.

Members and Users Located Outside of the United States of America
We have made an effort to protect the personal information of all users of the Web site, and to the extent applicable, we attempt to comply with local data protection and consumer rights laws. If you are unsure whether this privacy policy is in conflict with the applicable local rules where you are located, you should not submit your personal information to the Web site. IN ADDITION, IF YOU ARE LOCATED WITHIN THE EUROPEAN UNION, YOU SHOULD NOTE THAT YOUR INFORMATION WILL BE TRANSFERRED TO THE UNITED STATES, THE LAWS OF WHICH MAY BE DEEMED BY THE EUROPEAN UNION TO HAVE INADEQUATE DATA PROTECTION. Members and other users of the Web site located in countries outside of the United States of America who submit personal information do thereby consent to the general use of such information as provided in this privacy policy and to the transfer of that information to and/or storage of the information in the United States of America.

Changing my Personal Information
We take reasonable steps to ensure that all of your Personal Information we collect, use, or disclose is accurate, complete, up to date, stored in a secure environment, and accessed only by authorized personnel for permitted purposes. If your Personal Information changes, you may update/register your information by logging in on the Web page titled “Register Here” (http://www.NextStepU.com/register). You may also contact us using the information in “Contact Us” or at [email protected] to review or update your Personal Information or request that we remove your Personal Information from our records. If you request this, we will use all reasonable efforts to delete your Personal Information from our existing records.

Children (under thirteen)
We do not knowingly collect, use or retain any Personal Information from visitors to our website who are under thirteen (13) years of age for any purpose whatsoever (including internal or external marketing purposes). This website is not directed at individuals under thirteen years of age, and NextStepMoney does not intend to collect any personally-identifiable information from such individuals.

Tracking Tools
We use internet technologies such as “Cookies” and other tracking tools to store information on individual users’ computers to assist in their use of the website. For example, once you have registered, a Cookie will be used to recognize you and avoid asking you to register again. We also use Cookies to tailor the website to better match your interests and preferences. With most Internet browsers, you can erase Cookies from your hard drive, block all Cookies, and receive a warning before a Cookie is stored. Please refer to your browser instructions or help screen to learn more about these functions.

Google, as a third-party vendor, uses Cookies to serve ads on the website. Google’s use of the DART Cookie enables it to serve ads based on your visit to the website and other sites on the internet. You may opt out of the use of Google’s DART Cookie (or the current name) by visiting the Google ad and content network privacy policy.

Links to Other websites
The website has links to various other websites. We assume no responsibility for the information practices of sites you are able to access through the website. These links to other sites do not imply affiliation or endorsement of a linked site in any way.

Security
Please keep in mind that whenever you give out personal information online, that information can be collected and used by people you don’t know. While NextStepMoney endeavors to protect your information and privacy, we cannot guarantee the security of any information you disclose online, and you do so at your own risk.
The security of all personally identifying information associated with our users and members is very important to us. Unfortunately, no data transmission over the Internet can be guaranteed to be fully secure. As a result, while we strive to protect your Personal Information, NextStepMoney can’t ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your Personal Information, we will take reasonable efforts to ensure its security on our systems.

Business Transfers
As we continue to develop our business, we might sell some of our assets, which could include information about our members and users. Also, in the event that Next Step Universe or substantially all of its assets are acquired, this customer information will of course be one of the transferred assets.

Your Acceptance Of These Terms
By using the Web site, you have consented to NextStepMoney’s Privacy Policy and Terms and Conditions of Use. If you do not agree to this Policy or our Terms and Conditions of Use, please do not use the website.

Opt-out
If after registering on or otherwise providing your Personal Information you no longer wish to receive any materials, offers or correspondence from NextStepMoney, please go to NextStepMoney.com/opt-out.aspx or send an e-mail to [email protected] indicating your preference to “unsubscribe” and we will promptly remove you from our e-mail list, mailing list and mark you as deleted from our database. Please be sure to include your name and e-mail address in your e-mail.
If you no longer wish to receive any materials or other correspondence from third parties, you must contact them directly. You will be subject to their privacy policies and terms of use in such event.

Contact Us
If you have any questions regarding this Privacy Policy or would like to have any Personal Information updated or deleted from our records, please contact us at:

Next Step Universe LLC
c/o Website Administrator
1460 Broadway
New York, NY 10036
1-800-NSU-0315
or at [email protected].

Changes to the Policy
We reserve the right at any time to change our Privacy Policy and Terms of Use, so you should review them from time to time. We will make reasonable effort to inform our members of any major policy changes.

California Privacy Rights
California Civil Code Section 1798.83, also known as S.B. 27, allows our California customers to request certain information regarding our disclosures in 2004, if any, of Personal Information to third parties for their own direct marketing purposes. To make such a request, please contact us at either [email protected], and include your name and the address to which you would like us to respond. We will attempt to provide you with the requested information within thirty days.