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Terms of Use

Effective Date: January 1, 2025

Please read these Terms of Use carefully before using the Ceremian Financial website. These terms govern your access to and use of our website and services.

Acceptance of Terms

By accessing and using the Ceremian Financial website, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

Use of This Website

This website is provided for informational purposes only. You agree to use this site only for lawful purposes and in a manner that does not infringe the rights of others. You may not: • Use the site in any way that violates applicable laws or regulations • Transmit any unsolicited or unauthorized advertising or promotional material • Attempt to gain unauthorized access to any part of the website or its related systems • Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the site

Not Financial Advice

The information provided on this website is for general informational purposes only and does not constitute investment, tax, legal, or financial advice. Nothing on this site should be construed as a solicitation or offer to buy or sell any security or financial product. All investment involves risk, including the possible loss of principal. Past performance is not indicative of future results. Please consult with a qualified financial professional before making any investment or financial decisions.

Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Ceremian Financial or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this site without prior written consent from Ceremian Financial.

Third-Party Links

This website may contain links to third-party websites for your convenience and information. Ceremian Financial does not endorse or take responsibility for the content or practices of any linked third-party sites. Your use of third-party sites is at your own risk.

Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis without any warranties of any kind, express or implied. Ceremian Financial makes no representations or warranties regarding the accuracy, completeness, or timeliness of any content on this site.

Limitation of Liability

To the fullest extent permitted by law, Ceremian Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or its content.

Electronic Communications

Electronic communications sent to Ceremian Financial constitute consent for two-way electronic communication. Securities and mutual fund orders can only be placed by phone or in person. Orders sent electronically — including via email, mobile, or other online platforms — will not be processed.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in New York.

Changes to These Terms

We reserve the right to update these Terms of Use at any time. Any changes will be effective immediately upon posting to this page. Your continued use of the website following any changes constitutes your acceptance of the revised terms.

Contact Us

If you have any questions about these Terms of Use, please contact us at: Ceremian Financial 212 Beach 13th St, Suite 612 Far Rockaway, NY 11691 info@ceremianfinancial.com 718-644-1594

Ceremian Financial

Ceremian Financial

A fiduciary financial Firm by Moshe Alpert. Advice built on experience. Wealth built for generations.

Vanderbilt Financial Group

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718-644-1594

212 Beach 13th St, Suite 612

Far Rockaway, NY 11691

info@ceremianfinancial.com

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Ceremian Financial by Moshe Alpert is a marketing name used for doing business as a representative of Vanderbilt Financial Group and its affiliates. Vanderbilt Financial Group is the marketing name for Vanderbilt Securities, LLC and its affiliates.

The information provided on this website is for general informational purposes only and should not be construed as investment, tax, or legal advice, or as a recommendation to buy, sell, or hold any security. Past performance is not indicative of future results. All investing involves risk, including the potential loss of principal. Please consult with qualified legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by third parties to provide information on a topic that may be of interest; the opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.

Securities and mutual fund orders can only be placed by phone or in person. Orders sent electronically—including via email, mobile, or other online platforms—will not be processed. Electronic communications sent to us constitute consent for two-way electronic communication. If you receive communications in error, please contact the sender immediately and delete all copies.

Securities offered through Vanderbilt Securities, LLC. Member FINRA, SIPC. Registered with MSRB. Clearing agent: Fidelity Clearing & Custody Solutions. Advisory Services offered through Vanderbilt Advisory Services & Consolidated Portfolio Review. Clearing agents: Fidelity Clearing & Custody Solutions and Charles Schwab. Insurance Services offered through Vanderbilt Insurance and other agencies. Ceremian Financial is not a registered investment adviser, broker-dealer, or insurance agency.

Vanderbilt Financial Group (VFG) uses Ethos ESG Research, an industry leader in driving ESG and Climate transparency through objective measuring and modeling of ESG characteristics. VFG and its affiliates support and promote Environmental, Social, and Corporate Governance ("ESG"), Socially Responsible Investing ("SRI"), and Impact Investing, but the Firm and its affiliates do not require or mandate that its financial professionals engage solely in related activities. Clients of the Firm and its affiliates are not required to adopt or invest in any specific security, strategy, or portfolio.

For additional information on services, disclosures, fees, and conflicts of interest, please visit Important Disclosures | Privacy Policy | SEC Rule 606 | Public BCP.

We take protecting your data and privacy very seriously. As of January 1, 2020, the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Moshe Nison L. Alpert is primarily licensed in New York and may be licensed in other states. License Information: CA License: 0M21420. Certified Financial Planner Board of Standards, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States. Individuals who meet initial and ongoing certification requirements are authorized to use these marks.

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