TERMS & CONDITIONS

Last Updated: December 1, 2024

Welcome to NEXT STEP INVESTMENTS LLC. By accessing our website or using our services, you agree to comply with and be bound by the following Terms & Conditions. Please review these terms carefully. If you do not agree with these terms, you should not use this website or our services.

1. ACCEPTANCE OF TERMS

These Terms & Conditions constitute a legally binding agreement between you and NEXT STEP INVESTMENTS LLC ("Company," "we," "our," or "us"). By accessing or using our website, submitting inquiries, or engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

2. USE OF WEBSITE

You may use our website for lawful purposes only. You agree not to:

3. SERVICES & ELIGIBILITY

NEXT STEP INVESTMENTS LLC provides business lending and financing services to qualified businesses. Our services are intended for businesses and business owners only—not for personal, family, or household purposes.

Eligibility for funding is subject to our review and approval process. Submission of an inquiry or application does not guarantee approval or the availability of funding. We reserve the right to approve or deny any application at our sole discretion.

4. SMS TERMS & CONDITIONS

If you opt in to receive SMS or text messages from NEXT STEP INVESTMENTS LLC, the following terms apply:

Consent to Receive Messages

By providing your mobile phone number and checking the SMS opt-in box on our contact form, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from NEXT STEP INVESTMENTS LLC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).

Message Frequency

Message frequency varies; you may receive up to 4 messages per month.

Message and Data Rates

Message and data rates may apply depending on your mobile carrier plan. Please contact your carrier for details on your messaging plan.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP to any text message you receive from us. Upon receiving your STOP request, we will send a confirmation message and discontinue SMS messages to your number.

Help Instructions

For assistance or questions about SMS messages, reply HELP to any message or contact us at jeff@next-step-investment.com.

Not a Condition of Purchase

Consent to receive SMS messages is NOT a condition of purchase or engagement with our services. You may contact us via email, phone, or other methods without opting in to SMS communications.

Supported Carriers

Our SMS program is supported by major U.S. carriers. Not all mobile carriers are supported. We are not liable for delayed or undelivered messages.

5. ACCURACY OF INFORMATION

We strive to provide accurate and up-to-date information on our website. However, we make no warranties or representations regarding the accuracy, completeness, or reliability of any content on this website. Information about loan terms, rates, and eligibility requirements is subject to change without notice.

You are responsible for verifying all information provided and for ensuring that any application or inquiry you submit is accurate and complete.

6. INTELLECTUAL PROPERTY

All content on this website, including text, graphics, logos, images, and software, is the property of NEXT STEP INVESTMENTS LLC or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this website without our prior written consent.

7. LIMITATION OF LIABILITY

To the fullest extent permitted by law, NEXT STEP INVESTMENTS LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.

Our total liability to you for any claims arising from your use of the website or services shall not exceed the amount you paid to us, if any, for accessing the website or services.

8. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless NEXT STEP INVESTMENTS LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorney's fees) arising out of or related to your use of the website or violation of these Terms & Conditions.

9. THIRD-PARTY LINKS

Our website may contain links to third-party websites or services that are not owned or controlled by NEXT STEP INVESTMENTS LLC. We are not responsible for the content, privacy policies, or practices of any third-party websites. Your use of third-party websites is at your own risk.

10. MODIFICATIONS TO TERMS

We reserve the right to modify or update these Terms & Conditions at any time. Changes will be effective immediately upon posting on this website. Your continued use of the website after any changes constitutes your acceptance of the new terms. We encourage you to review this page periodically.

11. GOVERNING LAW

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Missouri, without regard to its conflict of law principles. Any disputes arising under or related to these terms shall be subject to the exclusive jurisdiction of the courts located in Missouri.

12. SEVERABILITY

If any provision of these Terms & Conditions is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.

13. ENTIRE AGREEMENT

These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and NEXT STEP INVESTMENTS LLC regarding your use of the website and services, and supersede all prior agreements and understandings.

14. CONTACT US

If you have any questions about these Terms & Conditions, please contact us:

NEXT STEP INVESTMENTS LLC
2271 Concordia Drive
Columbia, MO 65201
Email: jeff@next-step-investment.com