Thank you for visiting www.neptunefinserve.com (this “Site”), which is owned by Neptune Financial Services LLC (referred to as “Neptune Financial”, “NFS”, “us” or “we”). Statements herein as to policies and coverages provide general information only. This information is not an offer to sell any insurance or securities products. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect until confirmed directly with a licensed agent/professional.
Neptune Financial Services and/or its subsidiaries and/or affiliates have established these Terms of Use for all who visit, use and interact with this Portal and/or Web site and/or any other interactive Portal and/or Web site hosted by a third party, the content of which is controlled by Neptune Financial / www.neptunefinserve.com (individually and collectively “Site”).
YOUR ACCEPTANCE OF TERMS OF USE
Thank you for visiting www.neptunefinserve.com (this “Site”), which is owned by Neptune Financial Services LLC (referred to as “Neptune Financial”, “NFS”, “us” or “we”). Statements herein as to policies and coverages provide general information only. This information is not an offer to sell any insurance. Insurance coverage cannot be bound or changed via submission of this online form/application, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect until confirmed directly with a licensed agent/professional.
Neptune Financial Services and its subsidiaries and affiliates have established these Terms of Use for all who visit, use and interact with this Portal and/or Web site and/or any other interactive Portal and/or Web site hosted by a third party, the content of which is controlled by Neptune Financial / www.neptunefinserve.com (individually and collectively “Site”). By using this Site, you agree to comply with these Terms of Use. If you do not agree to comply with these Terms of Use, you do not have permission to use this Site. NFS, may change these Terms of Use at any time, without notice, by posting them on this Site, and you must abide by the revised terms in order to have permission to continue to use this Site. You agree to review these Terms of Use periodically, so you are informed about any changes to them. This is a legally binding contract.
Note, any proposal of insurance we may present to you will be based upon the values developed and exposures to loss disclosed to us on this online form/application, e-mail, phone, text, SMS, voice mail and/or in any manner of communications with us. Please contact our office to discuss specific coverage details and your insurance needs.
All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided herein does not constitute professional advice; if you have legal, tax or financial planning questions, you need to contact a qualified professional.
Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and cannot, therefore, endorse nor guarantee any information provided by those sites.
YOUR ACCEPTANCE OF OUR PRIVACY POLICY
By agreeing to these Terms of Use, you agree to the terms of our Privacy Policy, which is expressly incorporated herein. Before using this Site, please carefully review our Privacy Policy. All personal information provided to us through this Site will be handled in accordance with our Privacy Policy.
YOUR CONSENT TO OTHER NFS INSURANCE AGREEMENTS
We may also require you to follow additional rules, guidelines or other conditions to sign up to use various special features or password-protected areas of this Site, to participate in certain promotions or activities available through this Site, or for other reasons. In such cases, you may be asked to expressly consent to these additional terms, for example, by checking a box or clicking on a button marked “I agree.” This type of agreement is known as a “click-through” agreement. If any of the terms of a click-through agreement are different than the terms of these Terms of Use, the terms of the click-through agreement will supplement or amend these Terms of Use, but only with respect to the matters governed by the “click-through agreement.”
YOUR RESPONSIBILITIES OR OBLIGATIONS
In consideration of your use of this Site, you agree to provide true, accurate, current and complete information about yourself and to update that information as necessary. Your account, including your username and password (if applicable), are personal to you and may not be used by anyone else. You are responsible for maintaining the confidentiality of your password and username and are fully responsible for all activities that occur under your password or username by you or by anyone else using your username and password, whether or not authorized by you. You agree to change your password immediately if you believe your password may have been compromised or used without authorization.
You also agree to immediately inform us of any apparent breaches of security such as loss, theft or unauthorized disclosure or use of your username or password by emailing us. Until we are so notified you will remain liable for any unauthorized use of your account. You agree to use this Site in a manner consistent with any and all applicable rules and regulations.
You agree not to upload or transmit through this Site any computer viruses, trojan horses, worms or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer. Any unauthorized modification, tampering or change of any information, or any interference with the availability of or access to this Site is strictly prohibited. We reserve all rights and remedies available to us.
COOKIES AND HOW IT IS USED
This Site also collects information that is non personal information about Users to measure traffic on the web site. This information is collected automatically on an aggregate basis (“Aggregate Information”) through the use of a “cookie” or small text file placed not he User’s hard drive by the User’s internet browser.
The cookie allows NFS to track the number of hits or visits to various pages on the web site. The cookie is used only during a single connection to the web site and is not used to track user activity after leaving the site. The cookie is permanently disabled when the user exits the web site, and information about individual users is not collected, saved or distributed to others by NFS except as provided by this Policy.
Aggregate information helps NFS understand users’ needs, improve the website, and demonstrate to others the volume and nature of site traffic.
NO UNLAWFUL OR PROHIBITED USE
By using this website, you warrant to NFS, that you will not use this website or any of its contents for any unlawful use, or any use that is otherwise prohibited pursuant to these terms. Any violation of this provision will result in prompt revocation of our permission granted to you to use this website and responsible for legal actions.
LINKS TO THIRD-PARTY SITES
We may, solely for your convenience and additional information, include hyperlinks to sites operated and controlled by other parties unrelated to us or any of our affiliates. We do not endorse such sites, nor do we guarantee that the information contained within them is accurate and/or complete. If you elect to link to any third-party sites, you do so at your own risk. Please also note that the terms of the Privacy Policy provided on this website apply only to this website. We do not control whatsoever the handling of your information by third parties once you leave our website and we are not responsible for the handling and use of any personal information you provide to third-party sites. Accordingly, we strongly encourage you to carefully review the privacy policy of any third-party site visited before releasing any personal information.
TESTIMONIALS
Testimonials on this website are a representation of “typical” customer experiences. Individual experiences, satisfaction, and cost savings often differ from our typical customer. Customer names and towns may have been changed to honor their privacy.
CHANGES TO THESE TERMS OF USE
We reserve the right to change these terms at any time, without notice to you. All changes are effective immediately upon being posted on this website, and you are deemed to have accepted such changes by virtue of your use of this website. Therefore, we advise you to review these terms on each occasion you access our website.
LIMITATION OF LIABILITY
ALL INFORMATION, SERVICES, PRODUCTS, OR OTHER MATERIAL ON THIS WEBSITE ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. IN NO EVENT SHALL NFS, ITS AFFILIATES, SUPPLIERS, AND/OR ITS AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY INFORMATION, PRODUCTS, MATERIALS, AND/OR SERVICES OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF NFS, ITS AFFILIATES, SUPPLIERS, OR ANY OF ITS AGENTS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
WE ARE NOT RESPONSIBLE OR LIABLE IN ANY MANNER FOR ANY USER GENERATED CONTENT. ALTHOUGH WE INCLUDE STRICT PROVISIONS REGARDING USER GENERATED CONTENT IN THESE TERMS OF USE, WE DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR WHAT USERS POST ON OR THROUGH THIS SITE AND ARE NOT RESPONSIBLE FOR ANY OFFENSIVE, INAPPROPRIATE, OBSCENE, UNLAWFUL, INFRINGING OR OTHERWISE OBJECTIONABLE OR ILLEGAL USER GENERATED CONTENT YOU MAY ENCOUNTER ON THIS SITE OR IN CONNECTION WITH YOUR USE OF THIS SITE.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS WE, ON BEHALF OF OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, LICENSORS AND SERVICE PROVIDERS, EXCLUDE AND DISCLAIM LIABILITY FOR ANY LOSSES AND EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, GENERAL, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES; LOSS OF USE; LOSS OF DATA; LOSS CAUSED BY A VIRUS; LOSS OF INCOME OR PROFIT; LOSS OF OR DAMAGE TO PROPERTY; CLAIMS OF THIRD PARTIES; OR OTHER LOSSES OF ANY KIND OR CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS SITE OR ANY WEB SITE WITH WHICH IT IS LINKED, OR ANY MERCHANDISE AVAILABLE ON THIS SITE. YOU ASSUME TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH PROCEDURES FOR DATA BACK UP AND VIRUS CHECKING AS YOU CONSIDER NECESSARY. THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR ANY OTHER BASIS.
IF ANY PART OF THIS LIMITATION ON LIABILITY IS FOUND TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THEN THE AGGREGATE LIABILITY OF THE RELEASED PARTIES FOR LIABILITIES THAT OTHERWISE WOULD HAVE BEEN LIMITED SHALL NOT EXCEED TEN DOLLARS ($10.00).
TAX ADVICE DISCLOSURE
To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. Federal tax advice contained on our websites or blog including any websites owned, operated or sponsored by any of our subsidiaries, unless otherwise specifically stated, was not intended or written to be used and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing or recommending to another party any matters addressed herein. Neptune Financial, and/or their financial professionals do not render tax and legal advice. It’s your responsibility to consult your tax and legal advisors regarding your personal tax or legal concerns.
