Terms of Service
Terms and Conditions of Use
1. Introduction
Welcome to Neptune Advisory LLC, doing business as Neptune Wealth (hereinafter referred to as "we", "us", "our", "Advisor", or "Neptune Wealth"). The following terms and conditions govern your access to and use of www.neptunewealth.com, including any content, functionality, and services offered on or through www.neptunewealth.com (the "Website"), as well as any SMS or email communications you may receive from us and the investment advisory services we provide.
By using the Website, engaging with our SMS and or email communications, or utilizing our investment advisory services, you accept and agree to be bound by these Terms and Conditions. If you do not agree with these terms, please do not use the Website, opt in to our SMS communications, or engage our services.
2. Investment Advisory Services
Fiduciary Status
Neptune Wealth is a Registered Investment Advisor (RIA) registered with the Securities and Exchange Commission (SEC) under the Investment Advisers Act of 1940. As a fiduciary, we are legally bound to act in your best interest and provide investment advice that serves your financial goals.
Advisory Services Offered
We provide the following investment advisory services:
- Portfolio management and investment supervision
- Financial planning and consulting
- Retirement planning
- Estate planning consultation
- Tax planning strategies
- Risk management
- Educational seminars and workshops
Advisory Relationship
- Our advisory relationship begins only after both parties have signed an Investment Advisory Agreement
- We provide personalized advice based on your individual financial situation, goals, and risk tolerance
- You are under no obligation to accept or implement any recommendation we make
-We do not guarantee future performance, market conditions, or investment success
Investment Discretion
- When granted discretionary authority, we will make investment decisions for your account without prior consultation
- The scope of this authority is outlined in your Investment Advisory Agreement
- You may impose reasonable restrictions on this authority in writing
3. Account Requirements and Types of Clients
We provide investment advisory services to:
- Individuals and high net worth individuals
- Trusts and estates
- Charitable organizations
- Corporations and other businesses
- Retirement plansMinimum account sizes and fees may apply and are detailed in our Form ADV Part 2A.
4. Fees and Compensation
Advisory Fees
- Fees are typically based on a percentage of assets under management
- Specific fee schedules are outlined in your Investment Advisory Agreement
- Fees are generally payable quarterly in advance
- You may incur separate custodian, brokerage, and transaction costs
Fee Billing
- You authorize the direct deduction of our fees from your account(s)
- An itemized fee invoice will be provided each billing period
- You may terminate our services with written notice
- Pre-paid fees will be refunded on a pro-rata basis
5. SMS Communications
Consent for SMS Communication
By providing your phone number and opting in to receive SMS communications, you acknowledge and agree to receive text messages from Neptune Wealth at the phone number you provide. The information obtained during the SMS consent process will not be shared with third parties for marketing purposes.
Types of SMS Communications
If you have consented to receive text messages, you may receive SMS communications related to:
- Account notifications and updates
- Investment and portfolio alerts
- Service updates and announcements
- Appointment reminders
- Marketing communications (with separate consent)
- Educational content and financial insights
- Trading confirmations and account balance updates
- Security alerts
Standard Messaging Disclosures
- Message Frequency: The frequency of messages may vary depending on your account activity and preferences
- Message and data rates may apply
- To opt out at any time, text STOP to any message you receive from us
- For assistance, text HELP or visit our website at https://neptunewealth.com
- View our Privacy Policy at https://www.neptunewealth.com/privacy-policy
6. Custody and Account Statements
- We do not maintain physical custody of client assets
- Assets are held with qualified custodians who will send statements directly to you
7. Risk Disclosures
Investment Risks
All investments carry risk, including:
- Risk of loss of principal
- Market risk and economic conditions
- Interest rate risk
- Credit risk
- Inflation risk
- Currency risk
- Liquidity risk
- Cybersecurity risk
No Guarantee
- Past performance does not guarantee future results
- Investment objectives may not be achieved
- You should only invest assets you can afford to lose
8. Trading Practices
Best Execution
- We seek best execution for all client transactions
- Factors considered include execution capability, commission rate, financial responsibility, and responsiveness
- We periodically review our trading practices and relationships with broker-dealers
Trading Authorization
- The scope of our trading authority is defined in your Investment Advisory Agreement
- You may impose reasonable restrictions on our trading authority
- We aggregate trades when possible to obtain best execution
9. Privacy and Confidentiality
- We maintain physical, electronic, and procedural safeguards to protect your information
- We collect personal information solely to provide our services
- Information sharing practices are detailed in our Privacy Policy
- We do not sell your personal information to third parties
10. Intellectual Property Rights
The Website and its entire contents are owned by Neptune Wealth or its licensors and are protected by United States and international intellectual property laws.
11. Code of Ethics
We maintain and enforce a Code of Ethics that sets forth:
- Standards of business conduct
- Compliance with federal securities laws
- Personal securities trading policies
- Insider trading prohibitions
- Reporting requirements
- Sanctions for violationsA copy of our Code of Ethics is available upon request.
12. Proxy Voting
- Our proxy voting policies and procedures are outlined in Form ADV Part 2A
- You may retain or delegate proxy voting authority
- Records of proxy votes are available upon request
13. Financial Planning Services
- Financial planning services may be included in our advisory services or charged separately
- Implementation of recommendations is at your discretion
- We do not provide legal or tax advice
- You should consult appropriate professionals for such advice
14. Termination of Services
- You may terminate services at any time with written notice
- We may terminate services at our discretion with written notice
- Pre-paid fees will be refunded on a pro-rata basis
- Termination does not affect previously initiated transactions
15. Business Continuity
We maintain a business continuity plan to address potential disruptions to our operations. A summary is available upon request.
16. Changes to Terms and Conditions
We reserve the right to update these Terms and Conditions at any time. Material changes will be communicated to you in writing.
17. Governing Law and Jurisdiction
These Terms and Conditions are governed by the laws of the Commonwealth of Pennsylvania.
18. Electronic Delivery
You consent to electronic delivery of:
- Form ADV updates
- Privacy Policy notices
- Account statements and confirmations
- Other regulatory documents
19. Technical Requirements
To receive SMS communications, you must:
- Have a mobile device capable of receiving text messages
- Maintain an active mobile phone number
- Notify us if your mobile number changes
20. Required Disclosures
Form ADV
- Our Form ADV Part 2A (Firm Brochure) and Part 2B (Brochure Supplement) are provided annually
- Material changes are disclosed promptly
- Additional copies are available upon request or at adviserinfo.sec.gov
Conflicts of Interest
- Potential conflicts are disclosed in Form ADV Part 2A
- We have adopted policies to mitigate conflicts
- We will disclose any material conflicts as they arise
21. Contact Information
For questions about these Terms and Conditions, our services, or SMS communications, contact us at:
- Email: support@neptunewealth.com
- Phone: (833) 307-4121
- Website: www.neptunewealth.com
By using our Website, opting in to SMS communications, or engaging our services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.
Last updated: January 9th, 2025