NEPTUNE FLOOD TERMS OF USE

Effective Date: February 13, 2026

Website: https://neptuneflood.com

Company: Neptune Flood, Inc., a Delaware corporation (“Neptune,” “we,” “our,” or “us”)

Acceptance of Terms

By accessing or using this website (the “Site”), including obtaining quotes, applying for insurance, binding coverage, or renewing policies, you agree to these Terms of Use (“Terms”) and our Privacy Policy.

If you do not agree, you must not use the Site.

We may update these Terms at any time. Continued use constitutes acceptance of revised Terms.

Neptune’s Role; No Insurance Assumed

Neptune Flood, Inc. is a licensed Managing General Agent (“MGA”) and program administrator.

Neptune:

• Underwrites and administers flood insurance programs;
• Acts on behalf of one or more authorized surplus lines insurance carriers; and
• Does not assume underwriting risk.

All insurance policies are issued by the applicable insurance carrier identified in your policy documentation. The issuing carrier alone assumes the insurance risk.

Surplus Lines Disclosure

Insurance products made available through this Site are placed with surplus lines insurers.

Surplus lines insurers:

• Are not licensed in every state;
• Are not subject to the same rate and form regulation as admitted insurers; and
• May not be protected by state insurance guaranty funds.

Applicable surplus lines disclosures required by your state of residence are included in your policy documentation.

Quotes and Applications

Quotes generated through the Site:

• Are estimates based on information provided by you and available third-party data;
• Are subject to underwriting review;
• May be revised if information is inaccurate, incomplete, or changes prior to binding; and
• Do not constitute binding coverage.

You represent and warrant that all information submitted is true, accurate, and complete. Material misrepresentation may result in rescission, cancellation, or denial of claims as permitted by law and by the terms of the policy.

Binding of Coverage

Coverage is not bound unless and until:

• You complete the required application process;
• Underwriting approval is granted, if required;
• Required premium payment is successfully processed; and
• Written confirmation of binding and/or policy issuance is delivered.

The effective date and time of coverage are stated in the issued policy. System availability, quote displays, or payment submission alone do not create binding coverage.

Policy Controls

In the event of any conflict between information on this Site, marketing materials, quotes, summaries, confirmations, other communications, or these Terms of Use, and the issued insurance policy, the terms, conditions, exclusions, endorsements, limitations, cancellation provisions, and all other provisions contained in the issued insurance policy shall control in all circumstances.

No statement on the Site modifies, expands, or reduces any insurance policy.

Automatic Renewal

Certain policies may automatically renew at the end of the policy term unless you provide notice of non-renewal prior to the renewal date or the issuing carrier elects not to renew in accordance with applicable law and policy terms.

Renewal premium, eligibility, and terms may change at renewal.

If you enroll in automatic payment, you authorize Neptune [and/or the issuing carrier] to process renewal premiums using your designated payment method unless you cancel such authorization prior to renewal.

All renewals remain subject to the terms and conditions of the policy.

Cancellation and Refunds

Cancellation rights, procedures, effective dates, and any premium refunds are governed exclusively by the terms of the issued insurance policy and applicable law.

The Site does not create any independent right to cancellation or refund, nor does it modify any cancellation or refund provisions contained in the policy.

Electronic Transactions and Consent

By using the Site, you consent to conduct transactions electronically, receive disclosures, notices, renewal offers, and policy documents electronically, and use electronic signatures.

Electronic records satisfy any requirement that communications be in writing, to the extent permitted by law.

You are responsible for maintaining accurate and current contact information.

Website Availability and Third-Party Data

We do not guarantee uninterrupted availability of the Site.

Quotes may rely on third-party data sources, including property characteristics, geospatial information, elevation data, and public records. Neptune does not guarantee the accuracy of such data.

You remain responsible for verifying submitted information.

Intellectual Property

All content, underwriting logic, software, design, trademarks, service marks, and proprietary materials on the Site are owned by or licensed to Neptune and protected by applicable intellectual property laws.

You may not reproduce, reverse engineer, scrape, modify, or distribute Site content without prior written consent.

No Waiver; Limitation of Authority

No waiver of any provision of these Terms or any insurance policy shall be effective unless in writing and signed by an authorized officer of Neptune or the issuing carrier, as applicable.

No employee, contractor, representative, producer, or agent of Neptune has authority to modify, alter, waive, or amend any term of an insurance policy; bind coverage except as expressly permitted through the authorized electronic binding process; or make representations inconsistent with the policy terms.

Reliance on any statement not contained in the issued policy is at your own risk.

Failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

Disclaimer of Warranties

The Site is provided “as is” and “as available.”

To the fullest extent permitted by law, Neptune disclaims all express and implied warranties, including merchantability, fitness for a particular purpose, non-infringement, and accuracy or completeness of content.

Limitation of Liability

To the maximum extent permitted by law, Neptune shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from use of or inability to use the Site, reliance on quotes or summaries, electronic transmission failures, or temporary system unavailability.

Nothing in these Terms limits liability where such limitation is prohibited by law.

Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles.

Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Contact Information

Neptune Flood Incorporated
400 6^th Street South, Suite 2
St. Petersburg, FL 33701