Simple, straightforward terms for using NextGenEmpowerment's financial tools and services.
Last updated: December 2024
Our tools help you understand and organize your finances, but they don't replace professional financial advice. Always consult qualified financial advisors for important decisions.
By using NextGenEmpowerment's website and tools (our "Services"), you agree to these terms. If you don't agree, please don't use our Services.
We may update these terms occasionally. When we do, we'll post the new version and update the "Last updated" date above. Continued use of our Services means you accept any changes.
Free Tools: Budget Builder, Lifestyle Architect, and other financial planning tools available to everyone.
Member Features: Enhanced tools, data saving, and premium features for paid members (coming soon).
AI Analysis: Automated insights and recommendations generated by artificial intelligence.
We can modify, suspend, or discontinue any part of our Services at any time. We'll try to give reasonable notice for major changes.
Our tools are designed to educate and organize, not to provide financial advice.
AI Limitations: Our AI tools use language models that can sometimes make mistakes or provide incomplete information. While we work to minimize errors, we cannot guarantee the accuracy of AI-generated insights.
Account Security: Keep your login information secure. You're responsible for all activity on your account.
Appropriate Use: Don't use our Services for illegal activities, to harm others, or to try to break our systems.
Data Quality: While you don't have to be perfect, more accurate financial information will give you better insights from our tools.
Respect Others: Don't share inappropriate content or try to access other users' information.
You Own Your Data: The financial information you input belongs to you. You can export or delete it anytime.
We Protect Your Privacy: We use your data only to provide our Services and improve our tools. See our Privacy Policy for details.
Platform Rights: We own the software, algorithms, and platform itself, but not your personal financial data.
Free Tools: Our basic tools are free to use with no payment required.
Paid Memberships: Enhanced features will be available through paid subscriptions (coming soon).
Billing: When paid features launch, you'll see clear pricing and billing terms before signing up.
Cancellation: You can cancel paid subscriptions anytime, though you'll keep access until the end of your billing period.
We provide tools, not guarantees.
Financial Decisions: Any financial decisions you make are your responsibility. We strongly recommend consulting with qualified financial professionals before making major financial decisions.
You Can Leave Anytime: Delete your account whenever you want. You can export your data first.
We May Suspend Accounts: If you violate these terms, we may suspend or terminate your account. We'll usually give 30 days notice unless there's an urgent safety or legal issue.
What Happens to Your Data: When an account is terminated, we'll delete your personal data according to our Privacy Policy.
Governing Law: These terms are governed by North Carolina law, since that's where we're based.
Disputes: If we have a disagreement, we'll try to work it out directly first. For formal disputes, North Carolina courts will have jurisdiction.
Severability: If part of these terms is found invalid, the rest still applies.
Entire Agreement: These terms, along with our Privacy Policy, make up our complete agreement.
If you have questions about these terms or our Services, we're here to help.
Contact us: thenextgenempowerment@gmail.com
Business: NextGenEmpowerment, Charlotte, NC