Terms of Use

These Terms of Use govern your use of 5b.neptunetech.io (the “Site”), operated by 5th Avenue Brokerage, LLC d/b/a 5 Brokerage. By using the Site you agree to these terms and our Privacy Policy. If you do not agree, do not use the Site.

The Site describes our brokerage services and technology for licensed insurance professionals. It is not an offer to sell, or a solicitation to buy, any insurance product, and nothing on it is legal, tax, investment, or insurance advice.

Products, carriers, and features may not be available in every state. Any producer relationship with 5 Brokerage begins only when a written agreement is signed by both parties and required carrier appointments are approved.

By applying you confirm that the information you submit is accurate and that you hold, or are actively obtaining, the insurance licenses required for the business you intend to write. We may verify licenses, appointments, background, and E&O coverage, and we may decline any application at our discretion.

Contract levels, fees, and calculator results on the Site are illustrative and approximate. They are not a promise of compensation. Binding terms are set only by your signed agreement and each carrier's compensation schedule, which govern commission amounts, timing, advances, and chargebacks. Carriers may change their schedules at any time.

Interactive demos, consoles, names, cases, dollar amounts, and messages shown on the Site are fictional sample data created to illustrate how the FIVE platform works. They do not describe real clients, policies, or results, and actual features depend on your agreement, carrier, and vendor availability.

Access to the partner portal and FIVE platform is available only to approved users and is governed by your agreement with us. You are responsible for keeping your credentials secure and for activity under your account.

FIVE drafts, summarizes, and prepares work, and routes sensitive actions for human approval. You remain responsible for reviewing its output, for suitability and recommendations made to clients, and for every action you approve.

Program. 5 Brokerage Partner Alerts sends text messages about your application, demo, cases, underwriting requirements, licensing, appointments, and commissions to producers and applicants who opt in.

Opt-in. You opt in by checking the consent box on our application or contact forms, or by agreeing in the partner portal. Consent is not a condition of joining or of any purchase.

• Message frequency varies with your activity.
• Message and data rates may apply.
• Reply STOP to cancel at any time; you'll receive one confirmation message and no further texts. Reply START to rejoin.
• Reply HELP for help, or use our contact form.
• Wireless carriers are not liable for delayed or undelivered messages.
• Mobile information is not shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy.

• Don't submit false information or apply on someone else's behalf without authority.
• Don't scrape, probe, overload, or attempt to gain unauthorized access to the Site or platform.
• Don't use the Site to send spam or unlawful content, or to infringe others' rights.
• Don't copy or reverse-engineer our demos or software.

The Site, its design, text, graphics, and software are owned by 5 Brokerage or its licensors. FIVE Agent™ is a trademark of 5 Brokerage. Carrier and vendor names are trademarks of their owners and are used only to identify them; no endorsement is implied.

The Site links to third-party sites we don't control. Competitor comparisons summarize those companies' public materials as of the date shown and may change; we are not affiliated with them. If you believe a comparison is inaccurate, use our contact form and we'll review it promptly.

The Site is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, and we do not warrant that the Site will be uninterrupted, error-free, or secure.

To the fullest extent permitted by law, 5 Brokerage will not be liable for any indirect, incidental, special, consequential, or punitive damages, or lost profits or data, arising from your use of the Site. Our total liability for any claim relating to the Site will not exceed one hundred U.S. dollars ($100).

You agree to indemnify and hold harmless 5 Brokerage and its affiliates, officers, and employees from claims arising from your misuse of the Site or violation of these terms.

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in Collier County, Florida, and you consent to their jurisdiction.

We may update these terms by posting a new version with a new “last updated” date. Continued use of the Site after changes means you accept them.