Terms of Service

Last Updated: May 29, 2026

1. Agreement to Terms

By accessing and using the website and services of Nxt Steps Financial Group, LLC (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

These Terms of Service apply to all visitors, users, and others who access our website or engage with our services.

2. Disclaimer of Professional Advice

Educational and Informational Purposes Only

The information provided on this website is for educational and informational purposes only. Nothing on this website should be construed as legal, tax, accounting, investment, or financial advice specific to your situation.

Nxt Steps Financial Group, LLC does not provide:

Legal advice
Tax advice
Accounting advice
Investment advice
Medical advice
General financial planning advice

Consult Qualified Professionals

We strongly recommend that you consult with qualified professionals, including insurance agents, attorneys, tax advisors, and financial advisors, regarding your specific circumstances before making any decisions related to:

Insurance coverage
Healthcare options
Financial protection
Estate planning
Tax implications
Benefit eligibility

3. Insurance Products and Services

No Guarantee of Coverage or Availability

Insurance products offered through Nxt Steps Financial Group, LLC are subject to:

Carrier underwriting and approval
Eligibility requirements established by insurance carriers
Availability in your state of residence
Medical underwriting (if applicable)
Waiting periods and exclusions as defined by carriers

We do not guarantee that you will be approved for any insurance product or that coverage will be available to you.

Variations in Benefits, Premiums, and Coverage

Benefits vary by insurance carrier and policy type
Premiums vary based on age, health status, location, coverage level, and other underwriting factors
Coverage and exclusions differ by carrier and plan
Policy terms and conditions are established by the insurance carrier, not by Nxt Steps Financial Group, LLC

You will receive detailed information about specific benefits, premiums, and coverage limitations in your policy documents and enrollment materials.

Types of Insurance Services

We represent Medicare, ACA Health Insurance, Life Insurance (Term, Whole Life, Group, Final Expense), Dental & Vision, Hospital Indemnity, Accident, and other Supplemental Insurance products. Coverage details, eligibility, and limitations vary by carrier and plan.

4. Accuracy of Information

We make reasonable efforts to maintain accurate, current, and complete information on our website. However, we do not guarantee the accuracy, completeness, or timeliness of all information.

Information on our website may:

Contain typographical errors or omissions
Be outdated or incomplete
Be subject to change without notice
Vary by state and carrier

You are responsible for verifying all information with us directly before making any decisions.

Insurance policy details, benefits, premiums, and eligibility requirements should always be confirmed through official policy documents and direct communication with our agents.

5. User Responsibilities

When using our website and services, you agree to:

Provide accurate information in all forms and communications
Not misrepresent your identity, age, health status, or other material information
Not submit false claims or fraudulent information
Not use our website for illegal, abusive, or harmful purposes
Not attempt to hack, disable, or interfere with website security or functionality
Respect intellectual property rights and not reproduce our content without permission
Comply with all applicable laws and regulations

6. Limitation of Liability

To the fullest extent permitted by law, Nxt Steps Financial Group, LLC shall not be liable for:

Any indirect, incidental, special, consequential, or punitive damages
Loss of income, revenue, or profits
Loss of business opportunity
Loss of data or information
Damages arising from the use or inability to use our website or services
Damages resulting from reliance on information provided on our website
Errors, omissions, or inaccuracies in website content
Denial of insurance coverage or policy cancellation
Premium increases or changes in coverage

Even if we have been advised of the possibility of such damages.

7. Disclaimer of Warranties

Our website and services are provided on an “as-is” and “as-available” basis. We disclaim all warranties, express and implied, including:

Warranties of merchantability
Warranties of fitness for a particular purpose
Warranties of non-infringement
Warranties regarding accuracy or completeness
Warranties regarding uninterrupted service
Warranties regarding security

We do not warrant that:

Our website will be error-free or uninterrupted
Defects will be corrected
Our website will be free of viruses or other harmful code
Results obtained from our website will be accurate or reliable

8. Third-Party Content and Links

Our website may contain:

Links to third-party websites (insurance carriers, government agencies, educational resources)
Content or services provided by third parties
References to third-party products or services

We are not responsible for:

The accuracy or content of third-party websites
The availability or reliability of third-party services
Claims, damages, or losses arising from third-party content
Privacy practices of third-party websites

We encourage you to review the terms of service and privacy policies of any third-party website before providing personal information.

9. Intellectual Property Rights

All content on our website, including text, graphics, logos, images, videos, and software, is the property of Nxt Steps Financial Group, LLC or our licensors and is protected by copyright and other intellectual property laws.

You may not:

Reproduce, distribute, or transmit any content without permission
Modify or create derivative works based on our content
Use our content for commercial purposes without authorization
Remove copyright notices or other proprietary markings

Limited personal use is permitted for viewing and learning purposes only.

10. Indemnification

You agree to indemnify, defend, and hold harmless Nxt Steps Financial Group, LLC, its owners, agents, employees, and representatives from any claims, damages, losses, liabilities, or expenses (including attorney’s fees) arising from:

Your violation of these Terms of Service
Your use of our website or services
Your violation of any applicable law or regulation
Any content you submit or provide to us
Your infringement of third-party rights

11. Termination of Services

We reserve the right to terminate or suspend your access to our website or services at any time, for any reason, without notice or liability. Causes for termination may include:

Violation of these Terms of Service
Submission of false or fraudulent information
Illegal or abusive conduct
Non-payment of fees (if applicable)
Regulatory or compliance requirements

12. Changes to Terms of Service

We may update these Terms of Service from time to time to reflect changes in our services, legal requirements, or other factors. We will notify you of any significant changes by posting the updated terms on our website and updating the “Last Updated” date at the top.

Your continued use of our website and services after any changes constitutes your acceptance of the updated Terms of Service.

13. Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles.

You agree that:

Any legal action or dispute shall be brought in the state or federal courts located in Dallas County, Texas
You consent to the exclusive jurisdiction and venue of these courts
You waive any objection to venue or claim of inconvenient forum

14. Dispute Resolution

Before pursuing any legal action, we encourage you to contact us to attempt to resolve any disputes informally.

Contact Information:
Nxt Steps Financial Group, LLC
2633 McKinney Avenue
Dallas, TX 75204
Phone: 469-478-6268
Email: samuel@nxtstepsfinancial.com
Website: nxtstepsfinancial.net

15. Severability

If any provision of these Terms of Service is found to be invalid or unenforceable, that provision will be severed, and the remaining provisions will continue in full force and effect.

16. Entire Agreement

These Terms of Service, along with our Privacy Policy, constitute the entire agreement between you and Nxt Steps Financial Group, LLC regarding your use of our website and services. Any prior agreements, understandings, or negotiations are superseded by these terms.

17. Contact Information

If you have questions, concerns, or disputes regarding these Terms of Service, or if you need to report a violation, please contact us:

Nxt Steps Financial Group, LLC
2633 McKinney Avenue
Dallas, TX 75204

Phone: 469-478-6268
Email: samuel@nxtstepsfinancial.com
Website: nxtstepsfinancial.net

Business Hours: Monday – Friday, 9:00 AM – 6:00 PM (Central Time)

We will respond to your inquiry within 10 business days.

18. Medicare Disclaimer

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Nxt Steps Financial Group, LLC is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Last Updated: May 29, 2026

Important Notice: These Terms of Service do not limit any liability that cannot be limited by law, including liability for fraud, gross negligence, or violations of consumer protection laws. This is an important document. Please keep a copy for your records.