Effective Date: Sep/13/2026
Last Updated: Sep/13/2026

This Privacy Policy explains how Next Level Fintech Services LLC (“Next Level Fintech Services,” “we,” “our,” or “us”) collects, uses, shares, and protects information when you visit nextlevelinfintech.com (the “Site”), use our free tools, or purchase our products and services.

By using the Site you agree to the practices described here. If you do not agree, please do not use the Site. Your use of the Site is also governed by our Terms and Conditions.

1. Who We Are

Next Level Fintech Services LLC is the controller responsible for the personal information described in this policy.

Next Level Fintech Services LLC
418 Broadway STE N, Albany, NY 12207, United States
Email: support@nextlevelinfintech.com
Phone: +1 (516) 336-9523

We provide financial education, budgeting tools, and coaching. We are not a registered investment advisor, and nothing on the Site is investment, tax, or legal advice.

2. Information We Collect

Information you give us directly

• Order information: name, billing address, email address, and phone number when you purchase a product or service.
• Account information: username and password if you create an account.
• Email subscription: your email address when you subscribe to our newsletter or request a free resource.
• Calculator results: if you submit your email through our Debt-Free Date Calculator, we also receive the summary figures that tool produced. See Section 5.
• Correspondence: anything you send us by email, contact form, or during a coaching session.

Information collected automatically

• Device and usage information: browser type and version, operating system, IP address, time zone, referring page, pages viewed, and time spent on the Site.
• Cookies and similar technologies: see Section 6.

Payment information. Payments are processed by third-party providers. We do not receive, store, or have access to your full card number or security code.

3. How We Use Your Information

• To deliver digital products and send order confirmations, download links, and activation keys
• To process payments and screen transactions for fraud or risk
• To create and manage your account
• To provide coaching sessions you have booked
• To send newsletters, educational emails, and product updates where you have asked to receive them
• To decide which educational content is most relevant to send you
• To respond to your questions and provide support
• To understand how visitors use the Site so we can improve it
• To meet our legal, tax, and accounting obligations

We do not sell your personal information, and we do not share it for cross-context behavioral advertising.

4. How We Share Your Information

We share personal information only with service providers who help us operate the business, and only as needed for them to perform their role:

• Website hosting and e-commerce: our host and the WooCommerce platform, which store order and account records.
• Payment processing: PayPal, Google Pay, and WooPayments, which handle transactions and fraud screening.
• Email marketing: MailerLite, which stores your email address, the details described in Section 5, and records of which emails you opened.
• Analytics: Google Analytics 4, which collects usage data as described in Section 6.

We may also disclose information where required by law, to respond to lawful requests from public authorities, to enforce our terms, or to protect our rights, property, or safety.

If our business is sold or transferred, personal information may transfer with it. We will post notice on this page if that happens.

5. The Debt-Free Date Calculator

Our free Debt-Free Date Calculator is designed to keep your financial details on your own device.

• The balances, interest rates, and payment amounts you enter are stored in your browser’s local storage so your figures are still there when you return.
• Those figures are not sent to us and are not stored on our servers.
• You can clear them at any time using the “Start from scratch” button, or by clearing your browser data.

If you submit your email address through the calculator’s signup form, we receive your email address together with a summary of your result: your projected debt-free date, the number of months to payoff, your total amount owed, and your monthly payment commitment. We use this to tailor the educational emails we send you. This summary is stored with your subscriber record at our email provider. We do not receive the individual debts you entered.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to operate the Site and understand how it is used.

• Essential cookies keep your shopping cart and login session working. The Site cannot function properly without them.
• Analytics cookies are set by Google Analytics 4 and help us see which pages people visit, how they arrived, and where they leave. Google may collect information about your browsing across other sites that use its services.
• Log files and web beacons record actions on the Site to monitor traffic, diagnose problems, and protect against abuse.

Most browsers let you refuse or delete cookies through their settings. Blocking essential cookies may prevent parts of the Site from working. You can opt out of Google Analytics using Google’s browser add-on at tools.google.com/dlpage/gaoptout.

7. Do Not Track

Some browsers offer a “Do Not Track” signal. There is currently no common industry standard for how to respond to these signals, and our Site does not respond to them differently from other traffic. Third parties, including Google Analytics, may collect information about your online activities over time and across other websites when you use our Site.

8. How Long We Keep Your Information

• Order and transaction records: seven years, to meet tax and accounting requirements.
• Account information: for as long as your account is open, then deleted on request.
• Email subscriber information: until you unsubscribe, after which we retain a minimal suppression record so we do not email you again.
• Analytics data: according to the retention period set in Google Analytics, currently 14 months
• Correspondence: for as long as needed to resolve your question, then periodically deleted.

9. How We Protect Your Information

• Traffic between your browser and the Site is encrypted using SSL/TLS.
• Access to personal information is limited to people who need it to do their work.
• Accounts used to administer the Site and our email list are protected with strong, unique passwords and multi-factor authentication where available.
• We do not store payment card details.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10. Your Choices and How to Exercise Your Rights

Marketing emails. Every marketing email includes an unsubscribe link. You may also email us and we will remove you. Unsubscribing does not stop transactional messages such as order receipts, download links, and activation keys.

Access, correction, and deletion. You may request a copy of the personal information we hold about you, ask us to correct it, or ask us to delete it.

How to make a request. Email support@nextlevelinfintech.com with the subject line “Privacy Request” and tell us what you would like us to do. We may ask you to confirm your identity first, so that we do not disclose your information to someone else. We will respond within 30 days. There is no charge, and we will not treat you differently for making a request.

11. If You Are in the European Economic Area or the United Kingdom

• Legal bases: performance of a contract (to deliver products you purchase), consent (to send marketing emails), legitimate interests (to secure and improve the Site), and legal obligation (to keep tax records).
• International transfers: we are based in the United States and your information will be processed there. US law may not provide the same level of protection as the law in your country.
• Your rights include access, correction, erasure, restriction of processing, data portability, and objection to processing. Where we rely on consent, you may withdraw it at any time.
• Complaints: you have the right to lodge a complaint with your local supervisory authority.

12. If You Are a California Resident

• Right to know the categories and specific pieces of personal information we have collected, the sources, the purposes, and the categories of third parties we share it with.
• Right to delete the personal information we have collected, subject to legal exceptions.
• Right to correct inaccurate personal information.
• Right to opt out of sale or sharing. We do not sell your personal information and we do not share it for cross-context behavioral advertising, so there is nothing to opt out of.
• Non-discrimination. We will not deny you products or services, charge you a different price, or provide a different quality of service because you exercised a privacy right.

To exercise any of these rights, follow the process in Section 10.

13. Children

The Site is not directed to children under 13, and we do not knowingly collect personal information from them. If you believe a child has provided us with personal information, contact us at support@nextlevelinfintech.com and we will delete it.

14. Changes to This Policy

We may update this policy to reflect changes in our practices or for legal, operational, or regulatory reasons. We will post the revised version on this page and update the “Last Updated” date above. Material changes will be communicated more prominently where required.

15. Contact Us

Next Level Fintech Services LLC
418 Broadway STE N, Albany, NY 12207, United States
support@nextlevelinfintech.com
+1 (516) 336-9523