Privacy Policy

Effective September 22, 2026

Next Chapter Finance is an independent educational website based in Ohio. This policy explains what information may be collected when you use this site and how it may be handled.

Information you choose to provide

If you contact us, we may receive your name, email address, and the information included in your message. Please do not send Social Security numbers, account numbers, passwords, or other highly sensitive financial information.

Information collected automatically

Our hosting provider and website tools may collect basic technical information such as IP address, browser type, device type, referring page, pages visited, and access time. Cookies or similar technologies may be used for essential site functions, security, traffic measurement, and affiliate-link tracking.

How information may be used

To operate, maintain, and secure the website.
To respond when you contact us.
To understand which content is useful and improve the site.
To measure referrals or affiliate activity when applicable.
To comply with legal obligations or protect legitimate rights.

Affiliate links and outside websites

Some future links may be affiliate links. An outside company may use a cookie or referral code to credit a purchase or completed action. External websites have their own privacy practices, and Next Chapter Finance does not control them. The official government-resource links on the Resources page are not paid placements.

Sharing and selling information

We do not sell personal information submitted through this website. Information may be handled by service providers that support hosting, security, analytics, email, or site operation, and may be disclosed when legally required.

Payments

Next Chapter Finance does not currently process payments or collect credit-card or bank-account details on this website.

Data retention and security

Contact messages and technical records may be retained only as reasonably needed for site operation, support, security, recordkeeping, or legal requirements. No internet transmission or storage system can be guaranteed completely secure.

Children

This website is intended for a general adult audience and is not directed to children under 13. We do not knowingly request personal information from children under 13.

Your choices

You may adjust browser cookie settings, avoid submitting a contact form, or ask about personal information you previously provided. Disabling cookies may affect some site functions.

Changes to this policy

This policy may be updated as the website adds new tools, partners, or services. The effective date above will be revised when material changes are made.

Contact

Questions or privacy requests may be sent to info@nextchapterfinance.org.

Important: Next Chapter Finance shares personal experience and general educational information. It is not a law firm, financial adviser, credit-repair company, bankruptcy service, or bank.