This Privacy Policy applies to information and data on or accessed through this website (“Site”), including the manner in which NexChapter Inc. (“Company”) collects, uses,maintains and discloses information collected from users of the Site (“Users”). By using this Site and accessing the products and services offered therethrough, Users are accepting the policies and practices described herein.

Personally Identifiable Information

Company may collect personally identifiable information (PII) from Users. PII is information pertaining to an individual which may be used to associate with or identify the individual, such as e-mail addresses, mailing addresses, names and telephone numbers. PII may be collected from Users in a variety of ways, including, but not limited to, when Users visit the Site, register on the Site, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features, or resources Company makes available on the Site. Users may choose to visit the Site anonymously and not provide PII. However, Users who choose not to provide PII may be prevented from engaging in certain Site-related activities. Company will not use or share PII with another party except as described in this Privacy Policy.

Non-Personally Identifiable Information

Company may collect data and information from Users that is not PII, including, but not limited to, browser information, type of computer, and technical information about Users’ means of connection to the Site, such as operating systems and internet service providers.

Information Collection and Retention

Company collects, stores and uses User data and information, including PII, for the following purposes: (1) personalize User experience; (2) understand how Users as a group use the services and resources provided on the Site; (3) improve the Site (4) improve Company’s products and services; (5) run promotions, contests or surveys; (6) respond to inquiries and requests; and (7) communicate with Users regarding Company news, updates, product or service-related information and other information related to topics Company believes will be of interest to Users.

Users may, at any time, unsubscribe from receiving future emails by following the unsubscribe instructions set forth at the bottom of each email. Alternatively, User may contact Company via the Site.

Security

Company strives to use commercially acceptable means of protecting PII. Sensitive and private data exchange between the Site and Users occurs over an SSL secured communication channel and is encrypted and protected with digital signatures. Company also takes measures to protect PII offline, including by restricting access to Company staff who need this information to perform their jobs (e.g. billing, customer service) and by keeping computers/servers storing PII in a secure environment. However, no method of transmission over the internet or method of electronic storage is 100% secure and reliable, and Company cannot guarantee absolute security. Users are solely responsible for protecting their PII and privacy by taking appropriate steps to safeguard PII. If a User suspects unauthorized use of their PII on this Site, they must contact Company immediately via the Site. Company will not be liable for any loss or damage resulting from a failure of Users to safeguard their own PII.

Information Disclosure

Company is the sole owner of all information collected on this Site. Company may share generic aggregated demographic information, not including PII, collected from Users and visitors to the Site with business partners, trusted affiliates, and advertisers for any of the purposes outlined in this Privacy Policy. Company will not sell or otherwise share PII to any third party except to third party service providers for the following purposes: (1) as necessary to fulfill Users’ requests (e.g. ship an order); (2) assist in the facilitation of services provided; (3) assist in an analysis of how services are provided; (4) send out newsletters, surveys or other communications to Users; and (4) detect and address security threats, investigate and prevent malicious conduct or fraudulent activity, and detect and prevent violations of this Privacy Policy.

Web Browser Cookies

The Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track certain information. User may choose to set their web browser to refuse cookies, or to alert User when cookies are being sent. Please note that if User chooses to refuse cookies, User may not be able to access some portions of the Site and/or the Site may not function properly. Company will not be liable for any inability to access the Site resulting from User’s refusal to allow cookies.

Disclaimer

Company will not be responsible or liable for the deletion, corruption, alteration of, or failure to store any data or information. Company does not pre-screen, nor is it responsible for, the content of any data or information submitted by any User to this Site.

Changes To This Privacy Policy

Company may update this Privacy Policy from time-to-time with a “Last Updated” date at the bottom of this page. Users are expected and encouraged to review this Privacy Policy frequently for any changes. Changes are effectively immediately after they are posted on this page. By using this Site, including accessing any services and products offered therethrough, User is agreeing to accept the then current version of this Privacy Policy. Users should contact Company via this Site if they have any questions about these policies.

Company Contact

Users having any questions about this Privacy Policy, the practices set forth herein, or the use of this Site, can contact Company at:

NexChapter Inc

1601 West Lakes Parkway

West Des Moines, IA 50266

info@nexchapter.com

Last Updated August 19, 2025