Terms and Conditions

1.Agreement to these terms

These Terms and Conditions ("Terms") are an agreement between you and NeoPenn Life Strategies LLC ("NeoPenn," "we," "our," or "us"). They apply to neopenn.com and to our affiliated websites described in Section 3 (together, the "Sites").

By using the Sites, submitting a form, or registering for a workshop or event, you agree to these Terms. If you do not agree, please do not use the Sites.

The Sites are intended for adults. You must be at least 18 years old to use them or to submit your information.

2.Who we are and what we offer

NeoPenn is a life insurance and finance education company based in Pennsylvania. We provide:

• Financial education through workshops, events, articles and online tools.
• Access to insurance products, such as life insurance, annuities, disability income insurance and health insurance, through licensed insurance professionals.
• Educational sessions on topics such as wills and trusts, and introductions to attorneys, tax professionals and other licensed professionals when you ask for them.
• Information about a business opportunity for people interested in becoming licensed insurance professionals.

Insurance products are issued by third-party insurance companies, not by NeoPenn. Sreeram Penna, principal of NeoPenn, is an independent associate of Hegemon Group International, LLC (HGI), a marketing company. HGI does not provide insurance products or legal or tax advice. Insurance products are offered through Hegemon Financial Group, LLC (HFG) and, in California, through Hegemon Insurance Solutions, LLC (California License #0I01898). NeoPenn is not an employee of HGI, HFG or any insurance company.

NeoPenn does not provide legal, tax or accounting services and does not draft legal documents. NeoPenn does not offer securities or investment advisory services.

3.Affiliated websites

NeoPenn operates other websites for education, workshops, events and online tools, including sites on the following domains and their subdomains: neopenn.com, lifestrategies.cc, wealthstrategies.cc, bizstrategies.cc, healthstrategies.cc, timestrategies.cc, wealthbuilding.cc and wealthmindset.cc. These Terms apply to each of those websites unless a site displays different terms.

4.Educational information only

Everything on the Sites, and everything presented in our workshops, events and tools, is general education. It is not legal, tax, investment or accounting advice, and it is not a recommendation tailored to your situation.

Using the Sites, submitting a form or attending a workshop does not create a client, advisory or fiduciary relationship with NeoPenn. Any recommendation about an insurance product is made only after a licensed professional has reviewed your individual circumstances with you.

Please consult a qualified attorney, tax professional or other advisor before making legal, tax or financial decisions.

5.Licensing and product availability

Insurance products are offered only through licensed insurance professionals. Sreeram Penna, principal of NeoPenn, holds life and health insurance licenses in the following states: Pennsylvania (resident state), Arkansas, California, Delaware, Florida, Georgia, Iowa, Maryland, Michigan, Missouri, New Jersey, North Carolina, Ohio, Tennessee, Texas and Virginia.

National Producer Number (NPN): 21761468. State license numbers:

The Sites are not an offer to sell insurance, or a solicitation to buy it, in any state where we are not licensed. If you live in another state, we may, with your permission, introduce you to a professional licensed there (see Section 12).

Product availability, features and pricing vary by state and by insurance company. All applications are subject to the insurance company's underwriting and approval.

6.Insurance product disclosures

Any guarantees in an insurance policy or annuity contract are backed solely by the financial strength and claims-paying ability of the issuing insurance company. They are not backed by NeoPenn.

The terms of any product are set out in the policy or contract issued by the insurance company. If anything on the Sites differs from the policy or contract, the policy or contract controls.

Illustrations, quotes and projections are not guarantees. Actual results depend on the product you choose, the insurance company and your circumstances.

7.Workshops, events and online tools

Workshops and events are educational. Attending one does not obligate you to buy anything, and we do not promise any particular financial outcome.

We may change the date, time, format or content of a workshop or event, or cancel it. If we do, we will try to notify registered attendees using the contact details they gave us.

Online sessions may be recorded. We will tell you when a session is being recorded.

Calculators and other tools on the Sites produce illustrations based on the numbers you enter and on general assumptions. Results are estimates for education only. They are not quotes, guarantees or recommendations.

8.Testimonials and examples

Testimonials on the Sites reflect the experience of the individuals who gave them. Case studies and examples are for illustration. Neither is a guarantee, and your results may be different.

9.Business opportunity disclosure

The Sites may describe an opportunity to become an independent associate with Hegemon Group International, LLC (HGI). Associates are independent contractors, not employees of NeoPenn or HGI.

We do not guarantee any income or level of success. Earnings depend on each person's effort, skill, licensing and sales results, and many people who start do not earn significant income.

Selling insurance requires a state license. You may need to complete pre-licensing education, pass an exam, pay licensing fees and be appointed by an insurance company before you can sell or earn commissions.

10.Your responsibilities

When you use the Sites, you agree to:

• Give accurate and current information in any form you submit, and submit only your own information or information you have permission to share.
• Use the Sites lawfully and only for their intended purpose.
• Not interfere with the Sites, try to access systems or data without permission, or introduce harmful code.
• Not copy, scrape or collect content or other people's information from the Sites.

We may limit or end your access to the Sites if you break these Terms.

11.Communications and consent

Email and phone. When you give us your contact details, we may reply to your request by email or phone. Every marketing email includes an unsubscribe link, and you can ask us at any time to stop calling.

Text messages. We send text messages only if you have agreed to receive them, for example by ticking the text message consent box on one of our forms. The following terms apply to our text messaging program:

• Program. NeoPenn Life Strategies sends texts about your inquiry, appointment reminders, workshop and event information, and educational or promotional content.
• Frequency. Message frequency varies.
• Cost. Message and data rates may apply, depending on your mobile plan.
• Opting out. Reply STOP to any message to stop receiving texts. You will receive one message confirming that you have been unsubscribed.
• Help. Reply HELP for help, or contact us at [email protected] or (610) 745-5995.
• Not a condition of purchase. You do not have to agree to receive texts in order to buy any product or service.
• Carriers. Mobile carriers are not liable for delayed or undelivered messages.
• No sharing of text consent. We do not share mobile phone numbers collected for text messaging, or your text message consent, with third parties or affiliates for their marketing purposes.

Messages may be sent using automated technology where the law allows.

12.How we share information and referrals

We do not sell your personal information.

We may share your information with licensed professionals and service providers who work with us to respond to your request. Examples are another licensed insurance professional helping with your case, the insurance company you apply to, and the technology providers that run our forms, scheduling and messaging.

With your permission, we may introduce you to other licensed insurance and financial services professionals, tax professionals and attorneys. We make these introductions only when you ask for one or agree to one. Those professionals are independent of NeoPenn and are responsible for their own services, and we may receive compensation where the law allows.

Our Privacy Policy explains in more detail what we collect and how we use and share it.

13.Intellectual property

The content of the Sites, including text, graphics, logos, tools and design, belongs to NeoPenn or its licensors and is protected by law. You may view and print content for your personal, non-commercial use. Any other copying, distribution or use requires our written permission.

14.Third-party links

The Sites may link to websites and services we do not control, including those of insurance companies and partner platforms. We are not responsible for their content, products or privacy practices. You use them at your own risk and under their terms.

15.Disclaimer of warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITES AND ALL CONTENT, TOOLS, WORKSHOPS AND MATERIALS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. THIS INCLUDES IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT.

We work to keep information accurate and current, but we do not promise that the Sites will be error-free, uninterrupted or secure.

16.Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEOPENN AND ITS OWNERS, ASSOCIATES AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR LOST DATA, ARISING FROM YOUR USE OF THE SITES OR YOUR RELIANCE ON THEIR CONTENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THE SITES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID NEOPENN TO USE THE SITES IN THE 12 MONTHS BEFORE THE CLAIM AROSE AND (B) ONE HUNDRED U.S. DOLLARS ($100).

Nothing in these Terms limits any liability that cannot be limited by law, or any rights you have under an insurance policy or contract issued to you by an insurance company.

17.Indemnification

You agree to indemnify and hold harmless NeoPenn and its owners, associates and service providers from claims, losses and reasonable costs, including attorneys' fees, that result from your breach of these Terms or your misuse of the Sites.

18.Privacy

Your use of the Sites is also governed by our Privacy Policy, which explains how we collect, use and share personal information.

19.Changes to these Terms

We may update these Terms from time to time. When we do, we will post the updated Terms on this page and change the "Last updated" date. The updated Terms apply to your use of the Sites after that date.

A change to these Terms does not expand the text message consent you have given us. We will ask for your consent again if a change requires it.

20.Governing law and disputes

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law rules.

If you have a concern, please contact us first so we can try to resolve it informally. Any legal action relating to the Sites or these Terms must be brought in the state or federal courts serving Montgomery County, Pennsylvania, and you and NeoPenn consent to the jurisdiction of those courts.

21.General terms

• Severability. If a court finds any part of these Terms unenforceable, the rest remains in effect.
• No waiver. If we do not enforce a provision, that is not a waiver of our right to enforce it later.
• Entire agreement. These Terms and our Privacy Policy are the entire agreement between you and NeoPenn about your use of the Sites. They do not replace any separate written agreement you sign with us or any insurance policy or contract issued to you.
• Assignment. You may not transfer your rights under these Terms. We may transfer ours as part of a business reorganization or sale.

22.Contact us