Privacy Policy
Effective Date: September 24, 2026
Rucker Consulting LLC, doing business as Your Next Chapter Guide ("Your Next Chapter Guide," "we," "us," or "our"), respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our websites, register for educational events or webinars, complete forms or questionnaires, communicate with us, or request to be connected with an independent financial professional.
By using our websites or providing information to us, you acknowledge the practices described in this Privacy Policy.
1. Information We Collect
We may collect information that you provide directly to us, including:
- First and last name
- Email address
- Telephone number
- State of residence
- Time zone
- Webinar or event registration selections
- Appointment or consultation requests
- Responses to surveys, assessments, or questionnaires
- Information you provide when communicating with us
If you choose to complete an assessment, request information about retirement planning, or request to be connected with a financial professional, you may also voluntarily provide information concerning your financial goals, retirement timeline, general asset ranges, areas of interest, or other information relevant to your request.
Information Collected Automatically
When you visit our websites, certain information may be collected automatically through cookies, pixels, log files, analytics technologies, and similar tools. This information may include:
- IP address
- Browser and device information
- Operating system
- Pages viewed
- Links or advertisements clicked
- Date and time of visits
- Referring website or advertising source
- General geographic information
- Interactions with our forms, webpages, and advertisements
2. How We Use Your Information
We may use information we collect to:
- Register you for webinars, educational events, or other resources
- Send registration confirmations, reminders, replay links, and event-related communications
- Respond to questions or requests
- Provide educational information and resources
- Schedule requested appointments or consultations
- Connect you with independent financial professionals when requested
- Communicate with you by email, telephone, or text message where permitted
- Market our services, educational programs, and related offerings
- Measure and improve our websites, advertisements, webinars, and marketing campaigns
- Understand how visitors interact with our websites
- Prevent fraud, abuse, or security incidents
- Comply with legal and regulatory requirements
3. Email, Telephone, and Text Communications
When you provide your contact information and give the applicable consent, we may contact you by email, telephone, or text message regarding webinar reminders, educational information, appointments, services, and marketing communications.
Communications may be sent using automated technology, including automated telephone dialing systems, prerecorded or artificial voice technology, automated text messaging systems, or similar technology where permitted by law and consistent with the consent you provided.
Message frequency may vary. Message and data rates may apply.
You may opt out of marketing text messages at any time by replying STOP. You may unsubscribe from marketing emails by using the unsubscribe link contained in the email.
Opting out of marketing communications will not necessarily prevent us from sending non-marketing communications reasonably necessary to fulfill a request you have made.
4. How We Share Information
We may disclose personal information in the following circumstances:
Service Providers
We may provide information to companies that perform services on our behalf, such as website hosting, customer relationship management, webinar hosting, email delivery, text messaging, telephone communications, scheduling, analytics, advertising, fraud prevention, and other technology or business services.
Independent Financial Professionals
Your Next Chapter Guide is an educational and referral service. If you request to speak with, be matched with, or receive additional information from a financial professional, we may provide information you submitted to one or more independent financial professionals or firms in order to fulfill that request.
Those professionals are independent businesses and may maintain their own privacy policies and information-handling practices. Once information is provided to an independent professional at your request, that professional's use of the information may also be governed by its own privacy policy and applicable law.
Your Next Chapter Guide may receive compensation from participating professionals or firms for marketing, advertising, lead generation, referrals, or related services.
Legal and Business Purposes
We may disclose information when reasonably necessary to comply with law, respond to legal process, enforce our rights, investigate fraud or security concerns, protect users or others, or in connection with a merger, acquisition, sale, restructuring, or transfer of some or all of our business or assets.
5. Mobile Information and Text Messaging Consent
We do not provide your text-message opt-in consent to unrelated third parties for their own independent text-message marketing.
If you separately request to be connected with an independent financial professional, we may provide the contact information reasonably necessary to fulfill that request as described in this Privacy Policy and any disclosures presented when you make the request.
6. Cookies, Analytics, and Advertising
We and companies that provide services to us may use cookies, pixels, tags, analytics tools, and similar technologies to understand website usage, remember preferences, measure advertising performance, and deliver or improve advertisements.
These technologies may allow advertising or analytics providers to recognize your browser or device and collect information about your interactions with our websites and advertisements.
Depending on your browser, device, and applicable law, you may be able to limit cookies through your browser settings or other privacy controls. Disabling certain cookies may affect the functionality of portions of our websites.
7. Sale and Sharing of Personal Information
We do not sell personal information in exchange for money in the traditional sense.
Certain state privacy laws may define "sale," "sharing," or "targeted advertising" more broadly and may treat some uses of advertising cookies, pixels, or similar technologies as a sale or sharing of information. Where applicable, residents may have the right to opt out of those activities.
You may submit a privacy or opt-out request by emailing [email protected].
8. Data Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, maintain business and compliance records, resolve disputes, enforce agreements, and satisfy applicable legal obligations.
Retention periods may vary depending on the type of information, the purpose for which it was collected, and applicable legal requirements.
9. Data Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure.
However, no website, internet transmission, electronic storage system, or security measure can guarantee absolute security. You should use appropriate care when transmitting information online.
10. Your Privacy Rights
Depending on where you live and the laws applicable to us, you may have certain rights concerning your personal information, including the right to request:
- Access to personal information we maintain about you
- Correction of inaccurate personal information
- Deletion of certain personal information
- A copy of certain personal information
- Information about categories of personal information collected or disclosed
- Opt-out of certain targeted advertising, sale, or sharing activities where applicable
- Withdrawal of certain previously provided consents where applicable
These rights vary by jurisdiction and may be subject to exceptions. We may need to verify your identity before processing certain requests. Where permitted by law, an authorized agent may submit a request on your behalf.
To submit a privacy request, email [email protected] with the subject line "Privacy Request."
We will not unlawfully discriminate against you for exercising privacy rights provided by applicable law.
11. Financial and Educational Information
Your Next Chapter Guide provides educational and referral services. Your Next Chapter Guide does not provide individualized investment, tax, legal, accounting, or insurance advice, does not manage client assets, and does not recommend specific securities, investments, insurance products, or financial products.
Information submitted through our websites may be used to help determine whether an independent financial professional may be appropriate for a user's stated interests or request.
12. Third-Party Websites and Services
Our websites may contain links to third-party websites, scheduling systems, financial professionals, social networks, or other services that we do not control.
We are not responsible for the privacy practices of third parties. We encourage you to review the privacy policies of any third-party website or service you visit.
13. Children's Privacy
Our websites and services are intended for adults and are not directed toward children under the age of 18. We do not knowingly solicit personal information from children under 18.
If we learn that we have collected personal information from a child in circumstances where doing so is prohibited, we will take reasonable steps to delete the information.
14. Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technologies, services, or legal requirements.
When we make changes, we will update the effective date shown at the top of this page. Your continued use of our websites after an updated Privacy Policy becomes effective constitutes acknowledgment of the revised policy to the extent permitted by law.
15. Contact Us
Rucker Consulting LLC
d/b/a Your Next Chapter Guide
Email: [email protected]
For privacy-related requests, please use the subject line "Privacy Request."
Terms and Conditions
Effective Date: September 24, 2026
These Terms and Conditions ("Terms") govern your access to and use of websites, landing pages, webinars, educational materials, assessments, forms, communications, and related services operated by Rucker Consulting LLC, doing business as Your Next Chapter Guide ("Your Next Chapter Guide," "we," "us," or "our").
By accessing our websites, registering for a webinar or event, submitting a form, requesting information, or otherwise using our services, you agree to these Terms. If you do not agree with these Terms, please do not use our websites or services.
1. About Your Next Chapter Guide
Your Next Chapter Guide provides educational content, marketing services, lead-generation services, and referral or matching services designed to help consumers learn about retirement, Medicare, insurance, long-term care, financial planning, and related topics.
Your Next Chapter Guide may also connect individuals who request additional assistance with independent financial professionals, insurance professionals, advisors, agents, firms, or other service providers.
Unless expressly stated otherwise, Rucker Consulting LLC and Your Next Chapter Guide are not acting as your financial advisor, investment adviser, insurance agent, attorney, accountant, tax advisor, or fiduciary.
2. Educational Purposes Only
Content provided through our websites, webinars, videos, advertisements, emails, assessments, and other materials is intended for general educational and informational purposes only.
Nothing provided by Your Next Chapter Guide should be interpreted as individualized financial, investment, tax, legal, accounting, insurance, Medicare, or other professional advice.
Information presented may not be appropriate for every individual. You should evaluate your own circumstances and consult an appropriately licensed or qualified professional before making financial, insurance, investment, tax, legal, Medicare, or retirement-related decisions.
3. Independent Financial Professionals
If you request to speak with a financial professional, insurance professional, advisor, agent, or other provider, Your Next Chapter Guide may connect you with an independent third party.
These professionals and firms are independent from Rucker Consulting LLC unless expressly stated otherwise.
Your Next Chapter Guide does not control the recommendations, advice, products, services, business practices, licensing, fees, investment strategies, insurance products, or professional activities of independent third parties.
Any relationship you choose to establish with an independent professional is between you and that professional or firm.
You are responsible for evaluating any professional before entering into an advisory, insurance, investment, financial planning, or other business relationship.
4. Compensation and Referral Relationships
Rucker Consulting LLC may receive compensation from participating financial professionals, insurance professionals, advisory firms, agents, marketing partners, or other businesses for advertising, marketing, lead-generation, referral, technology, or related services.
This compensation may be received whether or not you ultimately purchase a product or enter into a relationship with a professional, depending on the applicable arrangement.
The existence of such compensation does not increase any obligation for you to work with a referred professional or purchase any product or service.
5. No Guarantee of Results
We do not guarantee any particular financial, investment, retirement, insurance, tax, Medicare, or other outcome.
Examples, illustrations, case studies, projections, hypothetical scenarios, testimonials, or educational examples are provided for informational purposes and should not be interpreted as guarantees of future results.
Financial markets, tax laws, government programs, insurance products, Medicare rules, interest rates, economic conditions, and individual circumstances may change over time.
6. Eligibility
Our websites and services are intended for adults who are at least 18 years old.
By using our websites or submitting information, you represent that you are legally capable of entering into these Terms.
7. Information You Provide
When registering for an event, completing an assessment, requesting an appointment, or submitting another form, you agree to provide information that is accurate and reasonably current.
You are responsible for the accuracy of information you submit.
You agree not to submit information on behalf of another person without authorization or use our forms, websites, or systems for fraudulent, deceptive, unlawful, or abusive purposes.
8. Email, Telephone, and Text Communications
If you provide your telephone number or email address and provide the applicable consent, you may receive communications from Your Next Chapter Guide concerning:
- Webinar or event registrations
- Appointment confirmations and reminders
- Educational materials
- Webinar replay information
- Follow-up communications
- Requested information or services
- Relevant products, services, or educational opportunities
Where permitted by law and consistent with the consent you provide, communications may be sent using automated technology, including automated telephone dialing systems, prerecorded or artificial voice technology, automated email systems, and automated text messaging systems.
Message frequency may vary. Message and data rates may apply.
You may opt out of marketing text messages by replying STOP. You may unsubscribe from marketing emails using the unsubscribe link contained in the email.
Consent to receive marketing communications is not a condition of purchasing goods or services where prohibited by applicable law.
9. Webinar and Event Availability
Webinar times, speakers, topics, schedules, availability, and other event details may change.
We reserve the right to modify, reschedule, cancel, replace, or discontinue a webinar, presentation, educational program, or other offering at any time.
Registration does not guarantee uninterrupted access to an event or recording. Technical problems, internet outages, platform failures, or circumstances outside our control may affect availability.
10. Intellectual Property
Unless otherwise stated, the content appearing on our websites and in our webinars, videos, presentations, advertisements, written materials, graphics, branding, assessments, and other materials is owned by or licensed to Rucker Consulting LLC.
This content may be protected by copyright, trademark, and other intellectual property laws.
You may view and use our content for personal, non-commercial purposes. You may not reproduce, copy, distribute, republish, sell, modify, scrape, create derivative works from, or commercially exploit our content without prior written permission.
11. Prohibited Uses
You may not use our websites or services to:
- Violate any applicable law or regulation
- Provide false or misleading information
- Attempt unauthorized access to any system or account
- Disrupt or interfere with website or platform security
- Transmit malware, viruses, or harmful code
- Harvest or scrape personal information without authorization
- Impersonate another individual or organization
- Use our content or systems for fraudulent or deceptive purposes
- Use automated systems to abuse our websites, forms, or services
12. Third-Party Websites and Services
Our websites may contain links to third-party websites, scheduling platforms, webinar platforms, financial professionals, insurance professionals, social networks, payment processors, or other services.
We do not control these third-party services and are not responsible for their content, security, privacy practices, products, services, or availability.
Your use of third-party services may be subject to separate terms, conditions, and privacy policies.
13. Accuracy of Information
We attempt to provide useful and accurate information, but we do not warrant that all information provided through our websites, webinars, presentations, or communications will always be complete, accurate, current, or error-free.
Laws, regulations, government programs, financial rules, insurance products, Medicare provisions, tax rules, market conditions, and other information may change.
You should independently verify information that may affect an important financial, legal, insurance, tax, Medicare, or retirement decision.
14. Disclaimer of Warranties
To the fullest extent permitted by applicable law, our websites, educational materials, webinars, referral services, and related services are provided on an "as is" and "as available" basis.
We make no warranties, express or implied, regarding the availability, reliability, accuracy, completeness, suitability, or results of our websites, content, referrals, or services.
15. Limitation of Liability
To the fullest extent permitted by applicable law, Rucker Consulting LLC, Your Next Chapter Guide, and their owners, employees, contractors, affiliates, and representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of our websites, content, webinars, communications, referrals, or services.
This includes, without limitation, losses arising from decisions made based on educational content, actions or recommendations of independent third parties, interrupted website access, inaccurate information, unauthorized access, or loss of data.
Nothing in these Terms limits liability that cannot legally be limited under applicable law.
16. Independent Decisions
You remain solely responsible for deciding whether to work with any financial professional, insurance professional, advisor, agent, firm, or other provider introduced through Your Next Chapter Guide.
You are also responsible for deciding whether any financial strategy, insurance product, investment, Medicare option, retirement strategy, or other recommendation is appropriate for your circumstances.
17. Privacy
Your use of our websites and services is also subject to our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.
By using our websites or providing information to us, you acknowledge our Privacy Policy.
18. Changes to Our Services
We may change, suspend, discontinue, or modify any portion of our websites, webinars, educational materials, referral programs, or other services at any time.
We are not obligated to maintain any specific feature, webinar, resource, professional network, or service indefinitely.
19. Changes to These Terms
We may update these Terms periodically to reflect changes in our services, business practices, technologies, or legal requirements.
When these Terms are updated, we will revise the effective date displayed at the top of this page.
Your continued use of our websites or services after revised Terms become effective constitutes your acceptance of the updated Terms to the extent permitted by applicable law.
20. Severability
If any provision of these Terms is determined to be invalid, unenforceable, or unlawful, the remaining provisions will continue in effect to the fullest extent permitted by law.
21. Entire Agreement
These Terms, together with our Privacy Policy and any additional disclosures or agreements presented in connection with a particular service, constitute the agreement between you and Rucker Consulting LLC concerning your use of the applicable websites and services.
22. Contact Us
Rucker Consulting LLC
d/b/a Your Next Chapter Guide
Email: [email protected]
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Your Next Chapter Guide is an educational and referral service that helps consumers connect with independent financial professionals. We do not provide individualized investment, tax, legal, accounting, or insurance advice, manage client assets, or recommend specific investments or financial products. If you request to speak with an advisor, information you provide may be shared with one or more independent financial professionals who may contact you. Your Next Chapter Guide may receive compensation from participating professionals or firms for marketing, advertising, referrals, or lead generation. A referral does not constitute an endorsement or guarantee. The term "advisor" does not necessarily indicate investment adviser registration or fiduciary status. Investing involves risk, including possible loss of principal, and past performance does not guarantee future results.
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