Terms and Conditions
Registered Investment Adviser · PA · FL · WI
CRD# 329160
These Terms and Conditions ("Terms") govern your access to and use of the Neptune Wealth website located at neptunewealth.comand its subdomains (the "Site"), operated by Neptune Advisory, LLCd/b/a Neptune Wealth ("Neptune Wealth," "we," or"us"), a state-registered investment adviser (CRD# 329160). The Site is a copyrighted work belonging to Neptune Wealth.
PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY NOTICE, INCORPORATEDHEREIN BY REFERENCE. IF YOU DO NOT AGREE, DO NOT ACCESS OR USE THE SITE. YOUMUST BE AT LEAST 18 YEARS OF AGE TO USE THE SITE.
These Terms require the use of arbitration on an individualbasis to resolve disputes (see Section X) and limit the remedies available toyou in the event of a dispute.
I. Investment Advisory Disclosure
Neptune Wealth (Neptune Advisory, LLC) is registered as an Investment Adviser with the States of Pennsylvania, Florida, and Wisconsin. Registration does not imply a certain level of skill or training. Neptune Wealth is authorized to conduct advisory business only in states where it is properly registered or qualifies for an exemption from registration.
Nothing on this Site constitutes investment advice, asolicitation, or an offer to buy or sell any security. The publication of this Site should not be construed as a solicitation to effect, or attempt to effect, transactions in securities, or the rendering of personalized investment advicefor compensation, over the Internet. Any direct communication with aprospective client will be conducted by a representative who is eitherregistered or exempt in the prospective client's state of residence.
Neptune Wealth does not charge performance-based fees, doesnot receive soft-dollar benefits, and does not compensate non-advisory personnel for client referrals. A full description of our services, fees, andconflicts of interest is available in our Form ADV Part 2A at www.adviserinfo.sec.gov (CRD# 329160) or upon written request.
Neptune Wealth may use Anthropic Claude, an AI research tool, solely for market, financial planning, and tax research. No client data is ever provided to any AI tool.
II. Site Access and License
2.1 Limited License
Subject to these Terms, Neptune Wealth grants you anon-transferable, non-exclusive, revocable, limited license to access the Sitesolely for your own personal, non-commercial use.
2.2 Restrictions
The rights granted to you in these Terms are subject to the following restrictions. You shall not:
• Sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site or its content;
• Modify, make derivative works of, disassemble, reverse compile, or reverse engineer any part of the Site;
• Access the Site in order to build a similar or competitive website, product, or service;
• Copy, reproduce, distribute, republish, download,d isplay, post, or transmit any part of the Site in any form or by any means,except as expressly permitted by these Terms;
• Remove or alter any copyright, trademark, or other proprietary rights notices on the Site.
Any future release, update, or addition to Site functionality is subject to these Terms. Neptune Wealth reserves the right to change,suspend, or cease operation of the Site at any time, with or without notice,and will not be liable to you or any third party for any such change,interruption, or termination.
2.3 No Support or Maintenance
Neptune Wealth has no obligation to provide you with any support or maintenance in connection with the Site.
2.4 Account Security
You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account. Youagree to notify us immediately of any unauthorized use of your account at joe@neptunewealth.com. Neptune Wealth reserves the right to disable any accountat any time if, in our reasonable opinion, you have violated these Terms orengaged in fraudulent activity.
III. Intellectual Property
All intellectual property rights in the Site and its content — including copyrights, patents, trademarks, and trade secrets — are owned by Neptune Wealth or its licensors. These Terms do not transfer any such rights toyou, except for the limited access license in Section 2.1. Neptune Wealth andits licensors reserve all rights not expressly granted herein.
The Neptune Wealth name, logo, and all related marks are trademarks of Neptune Wealth. You are not permitted to use any marks on the Site without our prior written consent or the consent of the applicable third-party owner.
Copyright © Neptune Advisory, LLC d/b/a Neptune Wealth. Allrights reserved.
IV. Cookies and Web Beacons
The Site uses cookies to store information including visitor preferences and pages accessed or visited. This information is used to optimize user experience by customizing page content based on browser type and other information. By continuing to use the Site, you consent to our use of cookies in accordance with our Privacy Notice.
You may control cookie settings through your browser. Disabling certain cookies may affect the functionality of the Site.
V. No Client Relationship; Content Limitations
Nothing on this Site should be construed as the receipt of, ora substitute for, personalized individual investment advice from Neptune Wealth. No advisory, fiduciary, or other professional relationship is created by your use of the Site.
Neptune Wealth does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the Site or incorporated herein.
VI. Third-Party Links
The Site may contain links to third-party websites and services. Such links are not under the control of Neptune Wealth, and Neptune Wealth is not responsible for any third-party content, websites, or services. Neptune Wealth provides access to these links only as a convenience and doesnot review, approve, monitor, endorse, or warrant any third-party content. Youuse all third-party links at your own risk, and the applicable third party'sterms and privacy policies apply when you navigate away from the Site.
VII. Prohibited Uses
You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:
• Violate any applicable federal, state, local, or international law or regulation;
• Transmit any advertising, promotional material, spam, chain letters, or other unsolicited solicitations;
• Impersonate or attempt to impersonate Neptune Wealth, a Neptune Wealth employee, or any other person or entity;
• Use any automated device, robot, spider, or process to access, monitor, or copy any material on the Site without our prior written consent;
• Introduce any viruses, Trojan horses, worms, logic bombs, or other malicious or harmful material;
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the Site or its servers;
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site.
VIII. Privacy and Personal Information
Neptune Wealth collects and uses personal information inaccordance with our Privacy Notice (effective April 2026), incorporated by reference, and in compliance with the Gramm-Leach-Bliley Act (GLBA) andapplicable state privacy regulations. Neptune Wealth does not sell any personalinformation to third parties.
Categories of personal information we may collect include:
• Identifiers — name, address, email address, IP address, Social Security number, passport or driver's license number
• Financial records — bank account numbers, balances, transaction history, income, assets, and anti-money laundering documentation
• Protected characteristics — date of birth, citizenship, and birthplace
• Commercial information — account data, risk tolerance, investment experience and activity
• Online activity — cookies, browsing history, and searchhistory related to your use of the Site and client portal
You may have rights to know, access, and request deletion ofyour personal information, and the right to non-discrimination for exercising those rights. We aim to respond to all verifiable requests within 45 days. Tosubmit a privacy request, contact:
Joseph Rambow, Chief Compliance Officer | 190 Bilmar Dr., Suite 150, Pittsburgh, PA 15205
joe@neptunewealth.com | (239) 634-9295
IX. State-Specific Notices
Florida Residents
Florida law requires us to inform you that you may request tobe placed on our "do not call" list at any time by calling (239) 634-9295. For further information, contact the Florida Office of the Attorney General, PL-01 The Capitol, Tallahassee, FL 32399-1050; (866) 966-7226.
Pennsylvania Residents
Neptune Wealth is registered with the Pennsylvania Department of Banking and Securities. Pennsylvania residents may contact the Department with questions or complaints at (800) 600-0007 or www.dobs.pa.gov.
Wisconsin Residents
Neptune Wealth is registered with the Wisconsin Department of Financial Institutions. Wisconsin residents may contact the Division ofSecurities at (608) 266-1064 or www.dfi.wisconsin.gov.
X. Dispute Resolution and Arbitration
PLEASE READ THIS SECTION CAREFULLY. IT CONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS.
10.1 Informal Resolution
Before either party may seek arbitration, the party must firstsend a written Notice of Dispute to the other party describing the nature andbasis of the claim and the requested relief. Notices to Neptune Wealth shouldbe sent to: Neptune Advisory, LLC, 190 Bilmar Dr., Suite 150, Pittsburgh, PA15205. If the parties do not resolve the dispute within thirty (30) days afterthe notice is received, either party may initiate arbitration.
10.2 Binding Arbitration
All claims and disputes arising out of or relating to theseTerms or use of the Site that cannot be resolved informally or in small claimscourt shall be resolved by binding arbitration on an individual basis.Arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, available at adr.org or by calling 1-800-778-7879. Arbitration shall be conducted by a single neutral arbitrator. Claims under $10,000 may be resolved by non-appearance-based arbitration (telephone, online, or written submissions). Any hearing shall be held within 100 miles of your residence. Judgment on the award may be entered in any courtof competent jurisdiction.
10.3 Class Action Waiver
ALL CLAIMS AND DISPUTES MUST BE ARBITRATED OR LITIGATED ON AN INDIVIDUAL BASIS. CLAIMS OF MORE THAN ONE CUSTOMER CANNOT BE ARBITRATED ORLITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER.
10.4 Waiver of Jury Trial
THE PARTIES WAIVE THEIR RIGHT TO A TRIAL BY JURY. ALL CLAIMS AND DISPUTES SHALL BE RESOLVED BY ARBITRATION OR, WHERE PERMITTED, BY A JUDGEWITHOUT A JURY.
10.5 Confidentiality
All aspects of the arbitration proceeding shall be strictly confidential, unless otherwise required by law or necessary to enforce anarbitration award or seek injunctive relief.
10.6 Exceptions
Notwithstanding the foregoing: (a) either party may bring an individual action in small claims court; (b) either party may seek emergency equitable relief in a court of competent jurisdiction to maintain the status quo pending arbitration; and (c) claims of defamation, violation of the Computer Fraud and Abuse Act, and infringement or misappropriation of the otherparty's patent, copyright, trademark, or trade secrets are not subject to this arbitration agreement.
10.7 Severability of Arbitration Provisions
If any part of this Section X is found to be invalid or unenforceable, that part shall be severed and the remainder of this Sectionshall continue in full force and effect.
XI. Copyright Policy
Neptune Wealth respects the intellectual property rights ofothers and expects Site users to do the same. In accordance with 17 U.S.C. §512(c), if you believe that material on the Site infringes your copyright,please send a written notification to our designated agent containing:
• Your physical or electronic signature;
• Identification of the copyrighted work(s) you claim have been infringed;
• Identification of the allegedly infringing material onthe Site and sufficient information for us to locate it;
• Your address, telephone number, and email address;
• A statement that you have a good faith belief that use of the material is not authorized by the copyright owner, its agent, or the law;
• A statement, under penalty of perjury, that you are the copyright owner or authorized to act on the owner's behalf.
Send DMCA notices to: Joseph Rambow, Neptune Advisory, LLC,190 Bilmar Dr., Suite 150, Pittsburgh, PA 15205 | joe@neptunewealth.com.
Pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact in a DMCA notification subjects the complaining party to liability for damages, costs, and attorney's fees.
XII. Disclaimers of Warranties
THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. NEPTUNE WEALTH AND ITS SUPPLIERS EXPRESSLY DISCLAIM ALLWARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY,INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,TITLE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT. NEPTUNE WEALTH DOES NOT GUARANTEE THAT THE SITE WILL MEET YOUR REQUIREMENTS, BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR BE FREE OF VIRUSES OROTHER HARMFUL CODE. IF APPLICABLE LAW REQUIRES WARRANTIES, SUCH WARRANTIES ARELIMITED TO NINETY (90) DAYS FROM THE DATE OF FIRST USE. SOME JURISDICTIONS DONOT ALLOW EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE MAY NOT APPLY TO YOU.
XIII. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEPTUNE WEALTH AND ITSSUPPLIERS SHALL NOT BE LIABLE FOR ANY LOST PROFITS, LOST DATA, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROMOR RELATING TO THESE TERMS OR YOUR USE OF THE SITE, EVEN IF ADVISED OF THEPOSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY DAMAGES SHALLNOT EXCEED FIFTY U.S. DOLLARS (0.00). SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS, SO THEY MAY NOT APPLY TO YOU.
XIV. Electronic Communications
By using the Site or communicating with Neptune Wealth viaemail, you consent to receive communications from us in electronic form. You agree that all terms, agreements, notices, disclosures, and othercommunications provided to you electronically satisfy any legal requirementthat such communications be in writing.
You agree not to use email to give any account instructions — including orders to buy or sell securities or transfer funds — to transmitpersonal credit or financial account information, to provide a change ofaddress, or to deliver any time-sensitive instructions. Neptune Wealth will not fulfill such requests made by email and shall not be liable for any actions oromissions resulting therefrom.
XV. Term and Termination
These Terms remain in full force and effect while you use theSite. Neptune Wealth may suspend or terminate your access to the Site at anytime, for any reason, at its sole discretion, including for any violation ofthese Terms. Upon termination, your right to access and use the Site will ceaseimmediately. Neptune Wealth will not be liable to you or any third party forany termination of your access. Sections III, X, XI, XII, XIII, and XVI shall survive termination.
XVI. General Provisions
Governing Law
These Terms shall be governed by and construed in accordancewith the laws of the Commonwealth of Pennsylvania, without regard to conflictof law principles, except as otherwise required by applicable federal securities law.
Updates to These Terms
Neptune Wealth may revise these Terms from time to time. Material changes will be communicated by email to the last address you providedand/or by prominent notice on the Site, at least thirty (30) calendar daysbefore taking effect. Continued use of the Site after the effective date of anyrevision constitutes your acceptance of the updated Terms.
No Waiver
Our failure to exercise or enforce any right or provision ofthese Terms shall not operate as a waiver of such right or provision.
Severability
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect,and the invalid provision will be deemed modified to the minimum extentnecessary to make it valid and enforceable.
Assignment
You may not assign, subcontract, delegate, or otherwise transfer your rights or obligations under these Terms without Neptune Wealth's prior written consent. Neptune Wealth may freely assign these Terms. These Terms are binding upon any permitted assignees.
Entire Agreement
These Terms and our Privacy Notice constitute the entirea greement between you and Neptune Wealth regarding your use of the Site and supersede all prior understandings, agreements, representations, and warranties regarding the Site.
Export Controls
The Site may be subject to U.S. export control laws. You agree not to export, re-export, or transfer, directly or indirectly, any U.S. technical data acquired from Neptune Wealth in violation of applicable U.S. export laws or regulations.
XVII. Contact Information
For all questions, feedback, or communications regarding these Terms:
Neptune Wealth (Neptune Advisory, LLC d/b/a Neptune Wealth)
190 Bilmar Dr., Suite 150 | Pittsburgh, PA 15205
Phone: (239) 634-9295
Email: joe@neptunewealth.com
CRD# 329160 | www.adviserinfo.sec.gov
Neptune Advisory, LLC d/b/a Neptune Wealth is a state-registered investment adviser in Pennsylvania, Florida, and Wisconsin (CRD# 329160). Registration does not imply a certain level of skill or training. Neptune Wealth is authorized to transact advisory business only in states where it isproperly registered or qualifies for an exemption. This notice does notconstitute investment advice. Last updated: April 2026.