Disclaimer:

Last Updated: Jan 2025

The information provided on this website (www.neptunefinserve.com) is for informational and educational purposes only and should not be considered as financial, investment, insurance, tax or legal advice. By accessing and using this website, you acknowledge and agree to the terms outlined in this disclaimer.

1. No Professional Advice

The content on this website, including articles, blogs, tools, and resources, is intended to provide general information about insurance, financial planning, investment options, and retirement solutions. It does not constitute professional advice, nor does it establish a client-advisor relationship. Before making any financial, insurance, or investment decisions, you should consult with a licensed financial advisor, insurance professional, tax expert, or legal counsel to assess your specific needs and circumstances.

2. Investment Risks and Performance

All investments carry risks, including potential loss of principal. Past performance does not guarantee future results. Market conditions, interest rates, and economic factors can impact the value of investments, and there is no assurance that any strategy will be successful.

The investment options discussed on this website, including annuities, IRAs, 401(k) plans, stocks, bonds, mutual funds, ETFs, and alternative assets, may have varying levels of risk and suitability based on an individual’s financial situation. Investors should conduct their own research and review all disclosures and prospectuses before committing to any financial product.

3. Insurance Product Disclosures

Insurance products, including life insurance, health insurance, disability insurance, annuities, and business insurance, are subject to terms, conditions, and exclusions set forth by the issuing insurance company. Coverage, benefits, and premium rates may vary based on state regulations and individual or business eligibility.

• Life & Health Insurance: Policies may have limitations, exclusions, and waiting periods. Premiums and benefits depend on underwriting guidelines.
• Annuities: Fixed, variable, and indexed annuities may have fees, surrender charges, and tax implications that should be reviewed before purchase.
• Business Insurance: Coverage options such as general liability, workers’ compensation, professional liability, property insurance, and cyber insurance vary by provider. Business owners should review policies carefully to ensure adequate protection against financial risks.

Purchasing an insurance policy does not guarantee financial security. Please review policy documents carefully and consult a licensed insurance agent for guidance tailored to your personal or business needs.

4. Tax and Legal Considerations

The tax implications of financial and retirement accounts vary based on individual and business circumstances, as well as changing regulations. Tax laws and IRS rules are subject to change, which may impact retirement contributions, deductions, business write-offs, and withdrawal strategies. The information on this website should not be considered tax or legal advice. We recommend consulting a qualified tax professional or attorney to ensure compliance with current laws and to develop an appropriate tax strategy.

5. Business Insurance Considerations

For business owners, risk management is essential, and selecting the right business insurance policy is a critical part of financial planning. Business insurance policies are subject to specific coverage limits, exclusions, and renewal conditions. The availability and cost of coverage may depend on business size, industry, claims history, and regulatory requirements.

We do not endorse, warrant, or guarantee any particular business insurance product, nor do we assume responsibility for losses resulting from insufficient or improper coverage. Business owners should work with a licensed commercial insurance agent to assess their risks and select appropriate coverage.

6. Third-Party Links and External Content

This website may contain links to third-party websites, financial tools, or external resources for additional information. These links are provided for convenience only, and we do not endorse, guarantee, or assume responsibility for the accuracy, reliability, or security of third-party content. Users should carefully review the terms and privacy policies of external sites before engaging in any transactions or services.

7. No Guarantees or Warranties

While we strive to provide accurate and up-to-date information, we make no guarantees, warranties, or representations regarding the completeness, accuracy, or reliability of any content on this website. Financial and insurance products are subject to market fluctuations, regulatory changes, and individual suitability, which may affect their performance and benefits.

8. Limitation of Liability

We are not liable for any direct, indirect, incidental, consequential, or punitive damage(s) resulting from the use or reliance on the information presented on this website. This includes, but is not limited to, financial losses, investment decisions, insurance claims, business risks, or policy disputes. Users assume full responsibility for their financial, insurance, and investment choices.

9. Changes to Disclaimer

We reserve the right to update, modify, or change this disclaimer at any time without prior notice. Users are encouraged to review this page periodically to stay informed about any revisions. Continued use of the website after changes are posted constitutes acceptance of the updated terms.

10. Contact Information

For any questions regarding this disclaimer or our services, please contact us at: inquiriy@neptunefinserve.com.

11. Data Security and Privacy

The security of all information associated with our users is of utmost importance to us. We take extensive precautions to ensure the secure transmission of your data from your device to our servers and those of our affiliates. We implement industry-standard security measures, including firewalls and secure socket layers (SSLs), to safeguard your personal information. However, no data transmission over the internet can be guaranteed to be 100% secure. While we strive to protect your sensitive information, we cannot guarantee or warrant absolute security of any data you transmit to us or through our online services. You acknowledge that you do so at your own risk. Once we receive your transmission, we and our affiliates employ best practices to maintain the confidentiality and integrity of your personal information. However, users should be aware that “perfect security” does not exist on the internet.

12. Insurance Rate Quotes Disclaimer

The insurance premium rate quotes provided on this website are for informational and comparative purposes only. These quotes are based on the information you provide along with general assumptions that may or may not be applicable to your specific situation. Insurance rates are subject to change at any time and do not constitute an offer of insurance, a contract, or a binding agreement.

The final insurance premium, insurability, and offer of coverage are determined solely by the insurance company or agency issuing the policy. These factors are subject to underwriting criteria, eligibility requirements, and verification of the details provided. To obtain a binding quote, users must contact our office directly. We strongly recommend speaking with a licensed insurance professional to ensure accurate pricing and appropriate coverage that meets your individual or business needs.

By using this website, you acknowledge that you have read, understood, and agree to the terms outlined in this disclaimer.