NewGen Wealth Creation
Wealth Management focused on traditional and digital asset strategies
Website Disclosures
NewGen Wealth Creation LLC (“NewGen Wealth”) is a registered investment advisor offering advisory services in the State of Puerto Rico and in other jurisdictions where exempt. Registration does not imply a certain level of skill or training.
The information on this site is not intended as tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. This information should not be relied upon as the sole factor in an investment making decision.
Past performance is no indication of future results. Investment in securities involves significant risk and has the potential for partial or complete loss of funds invested. It should not be assumed that any recommendations made will be profitable or equal any performance noted on this site.
The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, NewGen Wealth Creation LLC disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement, and suitability for a particular purpose.
NewGen Wealth does not warrant that the information on this site will be free from error. Your use of the information is at your sole risk. Under no circumstances shall NewGen Wealth be liable for any direct, indirect, special or consequential damages that result from the use of, or the inability to use, the information provided on this site, even if NewGen Wealth or a NewGen Wealth’s authorized representative has been advised of the possibility of such damages. Information contained on this site should not be considered a solicitation to buy, an offer to sell, or a recommendation of any security in any jurisdiction where such offer, solicitation, or recommendation would be unlawful or unauthorized.
Privacy Policy
NewGen Wealth Creation LLC (“NGWC”) recognizes that our relationships with current and prospective clients are based on integrity and trust. We work hard to maintain your privacy and to preserve the private nature of our relationship with you. We place the highest value on the information you share with us. NGWC will not disclose your personal information to anyone unless it is required by law or at your direction. We will not sell your personal information.
We want our clients to understand what information we collect, how we use it, and how we protect your personal information.
Why We Collect Your Information
We gather information about you so that we can:
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Help design and implement the investment and financial planning related services we provide you; and
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Comply with the Federal and State laws and regulations that govern us.
What Information We Collect and Maintain
We may collect the following types of “nonpublic personal information” (“NPI”) about you:
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Information from our initial meeting or subsequent consultations about your identity, such as your name, address, social security number, date of birth, and financial information;
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Information that we generate to service your financial needs; and
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Information that we may receive from third parties in connection with the services we provide you.
What Information We Disclose
We are permitted by law to disclose nonpublic information about you to unaffiliated third parties in certain circumstances. NGWC may disclose client's NPI: (1) to individuals and/or entities not affiliated with NGWC, including, but not limited to third-parties that assist in the supervision or management of your account(s) (i.e., sub-advisers, account custodian, record keeper, attorney, etc.); (2) to service providers contracted by us in order for us to perform the duties in furtherance of the client's engagement with NGWC (i.e. client management systems, archiving technology vendors, cloud service providers, etc.); (3) to your authorized representative or power of attorney; (4) when we receive your prior consent; (5) in connection with a proposed or actual sale, merger, or transfer of all or a portion of our business; and (6) as otherwise permitted to do so in accordance with the parameters of applicable federal and/or state privacy regulations.
In the event that NGWC has a change to its client privacy policy that would allow it to disclose non-public information not covered under applicable law, NGWC will allow its clients the opportunity to opt-out of such disclosure.
How We Protect Your Personal Information
Privacy has always been important to NGWC. We restrict and limit access to client information only to those who need to carry out their business functions. We safeguard client information by preventing its unauthorized access, disclosure, or use. We maintain physical, electronic, and procedural safeguards to protect your confidential personal information. Arrangements with companies or independent contractors not affiliated with NGWC will be subject to confidentiality agreements.
Former Clients
Even if we cease to provide you with financial services, our Privacy Policy will continue to apply to you, and we will continue to treat your nonpublic information with strict confidentiality. We maintain all records regarding all former clients for the retention period required by law.
Contact Us
Clients are encouraged to discuss any questions regarding privacy policies and procedures directly with Natalia Ivanova, Chief Compliance Officer of NGWC. Please contact Natalia Ivanova at (754) 736-1556.
Terms and Conditions
NewGen Wealth Creation
Welcome to https://www.nwcwealth.com/. By website, we (“NewGen Wealth Creation,” “us,” “our”) include our website, our social media platforms, and our mobile website, collectively referred to herein as “Website.” By accessing our Website, you consent to and agree to be bound by the following Terms and Conditions, including our Privacy Policy and Disclaimer, incorporated herein.
The following Terms and Conditions govern your use of our Website. These Terms and Conditions are a legally binding agreement between you and NewGen Wealth Creation. If you do not agree to these Terms and Conditions, you are not permitted to use this site and must discontinue use immediately.
AGE
This site is not intended for users under the age of 18 years old. If you are not 18 years of age, you are not permitted to register for or use our site.
REGISTRATION FOR OUR WEBSITE
By registering for our Website, you agree that:
You are at least 18 years old
You have not provided a false name, email address, or other false personal information, nor have you entered the personal information of another individual
Your username and password are personal to you and you will not share them with anyone else
You will not interfere with the operation of our Website.
We have sole discretion to delete your account at any time in the event you breach this Terms and Conditions policy.
If you wish to delete your account, please email us at info@newgenwealthcreation.com
III. CHANGES AND MODIFICATIONS TO POLICY
We reserve the right to make changes to these Terms and Conditions at any time, without notice to you. You are advised to review our website Terms and Conditions periodically. When we make changes to these Terms and Conditions, we will update our “Last updated” date to notify you of said changes. By continuing to use our Website, you are consenting to any modifications to our Terms and Conditions.
IV. SITE INTERRUPTIONS
We do not guarantee that our Website will be available at all times. We may experience problems, or our Website may be temporarily down for maintenance purposes, that may result in your inability to use our website. You agree that we are not liable or responsible for any damages stemming from your inability to access our Website.
V. INTELLECTUAL PROPERTY RIGHTS
We welcome and encourage your use of our Website, but our Website is our property. Any content on our Website, provided by our Website or composing our Website, in any form, is owned by us and protected by all applicable copyright and trademark laws. Any content includes all website design, software, databases, functionality, marks, photographs, graphics, text, videos and all other media and source code, on our Website, through our Website, or provided by our Website, including such content as downloads from our Website, newsletters provided by our Website, or any of our digital products or services (collectively henceforth, “Content”). All Content is provided for informational use only (for more on informational use only, please see our Website Disclosures). All Content is provided as is, for your personal, non-commercial use only.
When you use our Website, we are granting you a limited revocable license. This limited license gives you access to our Website and any downloadable material we have expressly permitted you to use, for your personal use only. This license is not transferable by you.
You are not permitted to duplicate, reproduce, sublicense, reassemble, upload, change, post, transmit, transfer, distribute, sell, license, display, republish, create derivative works or alter our Website or Content in any way without prior written approval from us. Please direct any requests for permission to into@newgenwealthcreation.com
You may download and print, for your personal, non-commercial use only, Content we have expressly authorized you to do so.
We reserve all rights not expressly granted to you in our Website and our Website content.
VI. LAWFUL USE OF OUR WEBSITE
By using our Website, you are agreeing to not display, upload, post, distribute or send to us or our Website any Content which:
Is unlawful or violates the rights of others
Advocates unlawful conduct or refers in any way to unlawful conduct
Is defamatory, discriminatory, offensive, disparaging, profane, harassing, pornographic or threatening
Could be considered an advertisement or promotion of your goods and services, without prior express written authorization from us.
In addition, you agree not to:
Use the Website in any manner inconsistent with its intended purpose, or with applicable laws and regulations
Upload, distribute or otherwise transmit spyware, viruses or data mining
Use our Website in any manner which could damage or overburden it
Use any automatic or manual process, software or device for the purpose of copying our Website
Participate in any unauthorized linked to or framing of the Website
Otherwise interfere with the operation of our Website.
VII. COMMENTS ON OUR WEBSITE
In certain sections of our Website and on our social media platforms, you are permitted to comment, post content or suggestions, or ask questions (collectively, “Comments”). You agree that your Comments are not confidential, may be viewable both to other Website users and third party websites, and are our sole property.
By posting your Comments on our Website, you warrant you have the right to grant us an unrestricted, irrevocable, exclusive, royalty-free, transferable right and license to use, copy, publish, host, transmit and distribute your Comments for any lawful purpose, without notice, attribution to you, or compensation. You waive all moral rights in your Comments but retain all intellectual property rights in your Comments. You are responsible for your Comments and agree that we are not liable nor responsible for your Comments. You agree that we have sole discretion to remove any Comments that violate these Terms and Conditions.
In addition to the conditions outlined in the “Lawful Use of Website” section, you agree that:
You are the owner or have the necessary permission or licenses to any Comments you post on our Website or social media platforms.
Should you not have the right to all or any part of your comments, you agree we are not liable nor responsible for any misappropriation or infringement of any right in your Comments.
Copying, downloading, transmitting or distributing all or any part of your Comments will not infringe the intellectual property rights of any third party.
Your Comments do not violate the privacy rights of any third party.
Your Comments do not link to any material that violates any provision of these Terms and Conditions.
Your Comments do not in any way other than stated in these Terms and Conditions violate these Terms and Conditions or any applicable laws or regulations.
We may remove any Comments that violate our Terms and Conditions or any applicable laws and regulations, without any notice to you.
VIII. SERVICES FOR SALE ON OUR WEBSITE
Services
All services for sale on our Website are subject to availability. We make every effort to keep our Website and service offerings current, but we cannot guarantee a specific service will be available to you at any given time. We also cannot guarantee that descriptions and details about our services are accurate, adequate and complete. We reserve the right to change the pricing of our services at any time, or correct errors in pricing without prior written notice to you, even if you have already initiated payment to us or we have received payment from you. We also reserve the right to refuse or cancel any services order.
You understand and agree that this purchase is non-refundable and that you will not attempt to retroactively dispute a charge for any service and/or purchase made at NewGen Wealth Creation™. This includes initiating a chargeback through your credit card company. Should you violate this agreement and attempt to dispute and/or initiate a chargeback against NewGen Wealth Creation™, you understand that I will waive any right to privacy of correspondence, purchase, or transaction history that NewGen Wealth Creation™ will need to utilize to substantiate my charges in their defense. Furthermore, you do understand that initiating a chargeback and/or dispute will result in immediate termination from NewGen Wealth Creation™. This policy will be reviewed annually and will be a permanent part of your client record.
IX. LINKING TO OUR WEBSITE
We permit you to link to our Website, provided that:
You attribute, indicating us as the proprietor, and providing a link to our Website
Your Website does not in any way promote or engage in unlawful conduct or conduct that violates the provisions of our Terms and Conditions herein
You agree not to frame our Website or otherwise alter its appearance
Your linkage to our Website is from a website you own all intellectual property rights to
You agree linking to our Website does not grant you a license to or any proprietary rights in our website.
Your linkage and any associated comments with that linkage do not suggest your linkage to our Website is an endorsement by us of your website or any products or services promoted by your website, and other third parties linked to your website, your website’s affiliates, and/or your website’s advertisers
Your linkage and any associated comments with that linkage do not suggest any form of association with us, without our prior written approval
You agree that you will remove any links to our Website immediately upon our request.
X. THIRD PARTY WEBSITES
Our Website may contain links to third party websites. If you choose to click on a third party website from our Website, you leave our Website and are no longer bound by our Terms and Conditions. We are not liable or responsible for any of the content, practices or conduct of any third party websites linked to our Website. We are not liable for any damages resulting from your use of a third party website linked to our Website.
XI. NO JOINT VENTURE
Your use of this website does not in any way form a joint venture, partnership or agency relationship with this Website or NewGen Wealth Creation.
XII. NO WARRANTIES
Your use of any information on or provided by this Website is voluntary and at your own risk. All information on this Website or by this Website, including any products or services, are on an “as is” basis. We make no representations or warranties of any kind, express or implied, as to the information, products and services provided on or through our Website. We disclaim all warranties, to the fullest extent permitted by law.
XIII. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT ALLOWED BY LAW, WE ARE NOT LIABLE NOR DO WE ACCEPT ANY RESPONSIBILITY FOR ANY LOSSES OR DAMAGES CAUSED BY OR RESULTING FROM YOUR USE OF OUR WEBSITE, PRODUCTS, AND SERVICES OFFERED FOR SALE BY US. BY USING OUR WEBSITE, PRODUCTS, AND SERVICES, YOU UNDERSTAND AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR ANY RESULTS DERIVED FROM THAT USE. YOU AGREE THAT WE ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, PUNITIVE, OR ANY OTHER DAMAGES, ARISING OUT OF YOUR USE OF OUR WEBSITE, PRODUCTS, AND SERVICES.
BY USING OUR WEBSITE, YOU AGREE TO OUR LIMITATION OF LIABILITY AND RELEASE US FROM ALL CLAIMS.
XIV. INDEMNIFICATION
You agree to defend, indemnify and hold harmless, NewGen Wealth Creation, our Website, our employees, successors, joint venture partners, and any other parties working with us, from any and all demands, claims, damages, losses, demands, actions, costs, expenses and judgments, arising out of your Comments, your use of our Website, your violation of any of our Terms and Conditions, and your breach of any of your obligations or warranties under the Terms and Conditions.
We will make reasonable efforts to notify you of any action subject to this indemnification.
XVIII. COPYRIGHT INFRINGEMENT
If you believe that our Website infringes on a copyright you own, please notify us at info@newgenwealthcreation.com
XIX. TERM AND TERMINATION
You are bound by these Terms and Conditions as long as you continue to use our Website. If you have registered for a user account, you can contact us at info@newgenwealthcreation.com to terminate your user account. We reserve the right, without limiting any other provision in these Terms and Conditions, in our discretion, to deny anyone who violates any provision of these Terms and Conditions, or any applicable law or regulation, access to this Website at any time.
XX. INTERNATIONAL USERS
Our company is owned and operated in Puerto Rico in the United States and our Website and these Terms and Conditions are controlled by applicable laws in this jurisdiction. We do not represent or warrant that our Website, products, or services are available or appropriate outside of the United States. If you use this Website from a location outside of the United States, you agree to abide by your country’s applicable laws as they relate to accessing our Website.
XXI. DISPUTES, GOVERNING LAW, AND ARBITRATION
By using our Website, you waive your right to bring any claims arising out of your use of our website, products and services. In the event of a dispute, you consent to binding arbitration in Puerto Rico, United States.
If for any reason, any dispute is not resolved in arbitration, the dispute will be litigated in the courts of Puerto Rico, United States.
XXII. SEVERABILITY
If any portion of these Terms and Conditions is deemed to be void or unenforceable, that portion is severable from these Terms and Conditions and does not impact the enforceability of the remainder of these Terms and Conditions.
XXIII. ENTIRE AGREEMENT
These Terms and Conditions, along with our Website Disclosures, Disclaimer and Privacy Policy, constitute the entire agreement between you and NewGen Wealth Creation.
XXIV. CONTACT
If you have any questions about our Terms and Conditions policy, please contact us at: info@newgenwealthcreation.com.
NewGen Wealth Creation
Puerto Rico
EFFECTIVE AS OF August 25, 2022
PURPOSE
Our website, the content on our website, our social media platforms connected to our website, and any information or content you receive from us through our website, including, but not limited to, free downloads, email newsletters, email marketing, products and services available through our website, and any and all other content provided by us connected to our website, (collectively, “Website”), is educational, and the information contained within is for informational purposes only.
PROFESSIONAL DISCLAIMER
As stated, all information provided on, through and by our Website is for informational purposes only. Our Website does not contain professional advice. This includes, but is not limited to, business, financial, medical, or legal advice. As such, you should not take any information on our Website as a substitute for professional advice. Any information provided should be used in consultation with the appropriate respective professional.
DISCLAIMER
Each individual is different, and we cannot and do not guarantee or warrant any recommended product, service, or other item recommended by us on or through our Website will also work for you. We make no representations as to any physical, emotional, or mental health benefits that may be derived from your use of our Website. We are not responsible or liable for any of your health decisions directly or indirectly related to the information provided, nor are we responsible for any damages from the use or misuse of information provided. You are solely responsible for any decisions you make from the information on our Website.
EARNINGS/BENEFITS DISCLAIMER
You understand and agree that our website does not make any representations or guarantees as to any possible income, tax savings, business growth, sales, additional clients, or any other earnings or growth benefits that may be derived directly or indirectly from your use of our Website. You understand and agree that each individual’s results are different, results vary, and we do not guarantee that you will achieve any particular result. We are not responsible or liable for any choices you make or results you obtain stemming from the information provided by and through our Website.
ADVERTISING DISCLAIMER
While you are using our Website, you may see third party advertisements. We are not responsible in any way for the content provided in the advertisements or the practices of the companies offering the advertisements. An advertisement appearing on our Website is not an endorsement by us of the product or service advertised or of the advertising company’s content, conduct, products or services. We make no guarantees, accept no responsibility and are not liable for any damages stemming from any of the products or services advertised.
EXTERNAL/THIRD PARTY LINKS DISCLAIMER
Our Website may contain links to websites not maintained or controlled by us. These websites are governed by their own policies. Our inclusion of any third party links does not in any way guarantee the accuracy or adequacy of any information contained on these third party websites. In addition, a link to a third party website on our Website is not an endorsement of all content of the third party site, the website’s conduct, practices, and policies, or any product or service promoted or offered by the third party site. We make no guarantees, accept no responsibility and are not liable for any damages stemming from any of the products or services offered by any third party websites, or your use of the information provided by any third party website.
AFFILIATE DISCLAIMER
On our Website, we have may affiliate links. If you click on one of our affiliate links and purchase a product or service through that link, we may receive a commission for your purchase. We only recommend products and services via affiliate links we believe will benefit you and other website users.
TESTIMONIALS AND EXAMPLES
Our Website includes testimonials and/or examples from past and current clients or customers. You understand and agree that the testimonials and examples used are intended to show possible results, and that we do not represent or guarantee that you will achieve the same or similar results.
VIEWS EXPRESSED DISCLAIMER
This Website may contain opinions from other website visitors via comments on our Webpage. The presence of these opinions on our Webpage is not an endorsement of those opinions by us. We make no guarantees or warranty about any information provided by our Website visitors. We make every effort to filter our comments but are not liable nor responsible for any damages stemming from our Website’s users’ comments. For more information on our Comments policy, please see our Terms and Conditions.
ACCURACY DISCLAIMER
We make every attempt to keep our Website complete, updated and accurate. However, we cannot guarantee that the information we provide is complete, updated and accurate. Laws change frequently, and we are not responsible for any omissions or inaccuracies in any of the information we provide on our Website. We are not responsible for any omissions or inaccuracies or any decisions made and damages resulting from any omissions or inaccuracies.
NO WARRANTIES MADE
Your use of any this Website is voluntary and at your own risk. All information on this Website or by this Website, including any products or services available through our Website, are on an “as is” basis. We make no representations or warranties of any kind, express or implied, as to the information, products and services provided on our Website. We disclaim all warranties, to the fullest extent permitted by law.
LIMITATION OF LIABILITY
YOU UNDERSTAND AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR ANY RESULTS DERIVED FROM THE USE OF OUR WEBSITE, INCLUDING WEBSITE PRODUCTS AND SERVICES. YOU AGREE THAT WE ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF OUR WEBSITE, OR OUR PRODUCTS AND/OR OUR SERVICES PROVIDED THROUGH OUR WEBSITE.
BY USING OUR WEBSITE, YOU AGREE TO OUR LIMITATION OF LIABILITY AND RELEASE US FROM ALL CLAIMS.
If you have any questions regarding this Disclaimer, please direct them to:
NewGen Wealth Creation
Updated: November 2, 2024