ZenMarket vs Neokyo: A Detailed Comparison

It's a familiar tale, isn't it? You're scrolling online, maybe on Instagram or a niche Japanese hobby forum, and you stumble upon something truly unique, something you must have. A limited-edition figure, that perfect vintage kimono, or a rare piece of stationery. But then reality hits: the seller only ships domestically, the website is entirely in Japanese, or they don't accept your international credit card. This is where the magic of proxy shopping services like ZenMarket and Neokyo comes in. They act as your personal shopper in Japan, bridging the gap between your desire and the incredible world of Japanese online retail. But which one is the right partner for your treasure hunt? This guide is going to meticulously break down ZenMarket and Neokyo, helping you understand their intricacies so you can make an informed choice and finally get your hands on those elusive Japanese goods.

The Proxy Shopping Predicament for Expats

For many of us living in Japan, or even those who’ve left but still crave those specific Japanese items, the local online shopping landscape can be a minefield. It’s not just about getting the item shipped; it’s about navigating an entirely different system.

What Exactly Is a Proxy Service?

At its heart, a proxy shopping service is a middleman. Imagine you want to buy something from a Japanese online store or auction site that doesn't cater to international customers. You can't just send them money and expect it to arrive at your overseas address. That's where a proxy service steps in. You tell them what you want to buy, they buy it on your behalf using a local Japanese address and payment method, and then they ship it to you anywhere in the world. It sounds simple, but the best services make this complex process incredibly smooth, handling everything from language barriers to customs paperwork.

They typically offer a Japanese address for you to use, a team that can communicate with local sellers, and a warehouse where your items are stored and consolidated before being shipped out. Think of it as having a friend in Japan who’s super organized and willing to do your shopping for you, for a fee of course. Many people also use a dedicated "forwarding service" if they can handle the purchase themselves, but a full proxy service offers that crucial buying assistance. If you're looking for a more general overview, take a look at our comprehensive guide on How to Buy Anything from Japan: The Complete Proxy Shopping Guide.

Why We Expats and Enthusiasts Can't Live Without Them

The reasons why foreigners, whether living in Japan or abroad, often turn to proxy services are numerous and deeply felt. Firstly, there's the language barrier. While Google Translate has come a long way, confidently communicating with a Japanese seller about a specific item's condition or negotiating on a marketplace like Mercari Japan can be daunting, especially when details matter. Many sellers on Japanese platforms, particularly smaller independent ones or those on auction sites, prefer not to deal with non-Japanese speakers.

Then there are payment restrictions. Many Japanese online stores and auction sites only accept Japanese credit cards or bank transfers, making it impossible for international buyers to complete a purchase directly. A proxy service circumvents this by using their local payment methods. And let's not forget international shipping. Most smaller Japanese retailers simply don't offer it, or if they do, the options are limited and expensive. Proxy services often have established relationships with international couriers like EMS, DHL, and FedEx, offering consolidated shipping which can save a significant amount of money when purchasing multiple items. They also understand the nuances of Customs Declarations for Japan Proxy Orders Explained, which is invaluable. Without these services, countless unique Japanese products would remain just out of reach, forever existing as tantalizing images on our screens.

ZenMarket: The Familiar Face

ZenMarket has been a go-to for many international shoppers for years, earning a reputation for its user-friendly interface and comprehensive service. It's often one of the first names that come up when discussing proxy buying from Japan.

How ZenMarket Smooths the Shopping Path

ZenMarket's process is designed to be straightforward. You start by adding funds to your account via various payment methods (credit card, PayPal, Wise, etc.). Once your balance is topped up, you simply paste the URL of the item you want from almost any Japanese online store (Yahoo Auctions, Mercari, Rakuten, Amazon Japan, etc.) into their search bar. Their team then reviews the item, confirms its availability and price, and places the order on your behalf. For auction sites, they offer a bidding system directly within their platform.

One of ZenMarket's strong suits is its integrated shopping experience. You can browse popular Japanese sites directly through their platform, making the entire process feel like a single, cohesive shopping trip rather than jumping between multiple windows. Once your items arrive at their warehouse, they photograph them for you, ensuring you know exactly what you've received. Their free storage period of up to 60 days is generous, allowing you plenty of time to accumulate several purchases before combining them into a single, cost-effective shipment. This consolidation service is a lifesaver for saving on international shipping.

Deciphering ZenMarket's Fee Structure

ZenMarket prides itself on a relatively transparent fee structure, which is a huge relief when dealing with international transactions.
Their core service fee is a flat 300 JPY per item. This means whether you buy a 500 JPY keychain or a 50,000 JPY collector's item, the proxy fee remains the same. This can be particularly advantageous for higher-value purchases where a percentage-based fee would quickly add up.

Beyond this, you'll encounter a few other charges:

• Payment Processing Fees: These vary depending on your chosen payment method. For example, PayPal might incur a different fee than a direct bank transfer or credit card. It’s always best to check their current rates for these on their site.
• International Shipping Fees: This is where the bulk of your cost will usually come in. ZenMarket offers a wide range of shipping options (EMS, DHL, FedEx, Surface Mail, etc.), each with different speeds and price points. They provide a shipping calculator on their site, but it's important to understand that the actual cost is determined by the packed weight and dimensions of your consolidated parcel. Learning How to Estimate Shipping Costs from Japan is crucial for budgeting.
• Optional Services: These include protective packaging, package photos (beyond the initial arrival photo), and insurance. While optional, some of these can be incredibly valuable, especially for fragile or high-value items.
• Customs and Import Duties: This is the big one, and it's not a ZenMarket fee but a charge imposed by your own country. ZenMarket will provide the necessary documentation, but paying these duties is your responsibility. Make sure you understand Customs Declarations for Japan Proxy Orders Explained to avoid surprises.

The Good, the Bad, and the Zen

ZenMarket has certainly carved out a strong niche, but like any service, it has its particular quirks.

Pros:

• User-Friendly Interface: The platform is intuitive, even for first-time users. Their integrated search and buying process, including for Yahoo Auctions, makes for a seamless experience.
• Transparent Flat Fee: The 300 JPY per item fee is simple and often cost-effective for more expensive goods. It means you know exactly what you're paying for their service upfront.
• Wide Range of Payment Options: With support for various credit cards, PayPal, and even cryptocurrency, funding your account is usually convenient.
• Excellent Package Consolidation: Combining multiple items into one box is a huge money-saver on shipping, and ZenMarket excels here, offering a generous 60 days of free storage.
• Multilingual Customer Support: Their team is responsive and can communicate in multiple languages, which is incredibly helpful when dealing with unique requests or issues.
• Integrated Browsing: You can often browse items from major Japanese retailers directly within the ZenMarket interface, streamlining the search process.

Cons:

• Flat Fee Can Be Costly for Low-Value Items: If you're buying many small, cheap items (e.g., individual stickers, cheap manga volumes), 300 JPY per item can quickly inflate the total cost.
• Payment Processing Fees: While standard, these can add a small percentage to your overall cost, especially for larger transactions.
• Sometimes Slower Processing: During peak periods or for complex orders, the time it takes for their team to review and purchase your item can be a bit longer than some might prefer.
• Limited Customization for Packaging: While their standard consolidation is good, highly specific packaging requests might be less flexible than with some smaller, more boutique proxy services.

Overall, ZenMarket offers a robust and reliable service that's particularly well-suited for buyers who value a straightforward experience and are purchasing mid to high-value items where the flat fee is advantageous.

Neokyo: The Newer Contender

While ZenMarket might be a household name for some, Neokyo has steadily gained popularity as another strong contender in the Japanese proxy shopping space. It's known for its competitive pricing, especially for certain types of purchases.

Neokyo's Approach to Japanese Shopping

Neokyo also provides a direct gateway to Japanese online stores and auctions. Similar to ZenMarket, you input the URL of the item you want to buy, and their team handles the purchase. They support a wide array of popular sites like Yahoo Auctions, Mercari Japan, Rakuten, and Amazon Japan. Their platform is designed with a clean, modern interface, aiming for a smooth user experience.

One distinct feature of Neokyo is its focus on low-cost service fees, which we'll delve into shortly. They also offer package consolidation and free storage, though the terms might differ slightly from other services. Neokyo also puts a strong emphasis on integrating Japanese auction sites, making it quite popular among collectors and those looking for rare finds. They aim to be a cost-effective solution for a broad spectrum of Japanese goods.

Breaking Down Neokyo's Costs

Neokyo's pricing strategy is where it often differentiates itself. They typically boast very low, or even no, service fees for purchases, aiming to be one of the most budget-friendly options upfront.

Let's look at their usual cost breakdown:

• Service Fee: Neokyo has been known to offer 0 JPY service fees on purchases from certain integrated sites like Yahoo Auctions and Mercari, making it incredibly appealing for those platforms. For other sites, there might be a small fixed fee per item, but generally, their service fees are lower than many competitors. This zero-fee model is a significant draw, especially for those making multiple small purchases.
• Payment Processing Fees: Like ZenMarket, Neokyo also charges fees for funding your account. These fees vary based on the payment method you use (e.g., credit card, PayPal).
• International Shipping Fees: Again, this will be the largest variable cost. Neokyo partners with major carriers like EMS, DHL, FedEx, and Surface Mail. They offer a shipping calculator, but remember that the final shipping cost is based on the actual weight and dimensions of your packed parcel. Their strength lies in facilitating How Package Consolidation Saves You Money on these hefty international rates.
• Consolidation and Storage Fees: While basic storage is often free for a certain period, Neokyo might have different terms for extended storage or specific types of consolidation compared to other services. Always check their current policies on their website.
• Customs and Import Duties: Just like with any international import, these are fees levied by your home country's customs office, not Neokyo. Be prepared for these potential costs, and review our guide on How to Avoid High Customs Fees on Japan Orders for tips.

This highly competitive fee structure, especially the 0 JPY service fee on major platforms, makes Neokyo an attractive option for certain buying habits.

Neokyo's Strengths and Weaknesses

Neokyo has quickly become a strong player, particularly appealing to a specific segment of the proxy shopping market.

Pros:

• Aggressive Fee Structure: Their 0 JPY service fee on popular platforms like Yahoo Auctions and Mercari is a massive advantage, especially for buyers who are making many smaller, cheaper purchases. This can lead to significant savings compared to services with a flat per-item fee.
• Fast Processing: Many users report that Neokyo's team is quite quick in processing purchase requests and handling bids, which is critical for time-sensitive auctions.
• Good for Auction Bidding: Their platform is well-integrated with Yahoo Auctions, making the bidding process seamless and user-friendly. If you're into collecting rare items from auctions, this is a big plus.
• Modern Interface: The website is generally sleek and easy to navigate, with a clean design that appeals to contemporary users.
• Responsive Support: While smaller than some competitors, their support team is often lauded for being helpful and quick to respond to inquiries.

Cons:

• Less Known for Non-Auction Sites: While they support various stores, their primary draw and strongest integration seem to be with auction platforms, potentially making the experience for general retail less intuitive for some.
• Variable Fees for Non-Integrated Stores: If you're buying from a lesser-known Japanese store that isn't directly integrated, the fees or processing might be less streamlined.
• Fewer Payment Options: While they cover the basics (credit card, PayPal), they might not offer as many niche payment solutions as a larger competitor like ZenMarket, which supports Wise or crypto.
• Storage and Consolidation Rules: It's essential to carefully read their current terms for free storage duration and consolidation services, as these can change and impact overall costs if you're accumulating many items over a long period.
• Potential for Payment Gateway Fees: While their service fee might be zero, remember that the payment methods themselves (like PayPal) will still levy their own percentage-based fees, which can add up on larger sums.

Neokyo shines for those who prioritize minimal upfront service fees and frequently use Japanese auction and marketplace sites. It's a fantastic option if your shopping basket is often filled with multiple, low-cost treasures.

The Ultimate Showdown: ZenMarket vs Neokyo

Alright, let's get down to brass tacks. This is where we lay out the direct comparisons that truly matter for your wallet and your sanity.

Fee Comparison: Where Your Yen Goes Furthest

This is often the deciding factor for many. Let’s break it down in a digestible table:

Feature/Fee Type	ZenMarket	Neokyo	Best For
Proxy Service Fee	300 JPY per item	Often 0 JPY for Yahoo Auctions/Mercari; variable for others	ZenMarket: Higher-value items, single purchases
			Neokyo: Multiple low-value items, auctions
Payment Fees	Varies by method (e.g., credit card, PayPal, Wise)	Varies by method (e.g., credit card, PayPal)	Both are comparable, check current rates
Free Storage	60 days	Usually 45 days (check current policy)	ZenMarket for longer accumulation
Consolidation	Free for standard merging of packages	Free for standard merging of packages	Both offer strong consolidation services
Shipping Options	EMS, DHL, FedEx, Surface, Airmail Small	EMS, DHL, FedEx, Surface, Airmail Small	Both offer a wide range, check specific rates
Additional Services	Protective packaging, extra photos, insurance	Protective packaging, extra photos, insurance	Both offer similar optional services

As you can see, the main differentiator is that upfront service fee. If you're buying one expensive item, 300 JPY for ZenMarket is negligible. However, if you're snagging ten separate manga volumes for 500 JPY each, Neokyo's 0 JPY fee for Mercari or Yahoo Auctions could save you 3000 JPY in service fees alone compared to ZenMarket. On the flip side, if Neokyo introduces a small fee for a particular store and you're buying a single high-value item, ZenMarket's flat 300 JPY might still be more appealing than a percentage-based fee that some services, like the well-known Buyee, sometimes implement. Always do a quick calculation based on your specific shopping list!

Platform Experience: Which is Easier to Navigate?

Both ZenMarket and Neokyo offer modern, user-friendly websites, but they have subtle differences in their approach.

ZenMarket generally feels a bit more "all-in-one." Their interface integrates browsing popular Japanese marketplaces directly. For example, you can search Yahoo Auctions or Rakuten within ZenMarket's site, complete with automatic translation (though this can sometimes be imperfect). This makes for a very streamlined shopping experience where you rarely have to leave their ecosystem. Their dashboard clearly displays your items, their status, and prompts you for next steps, making it easy for beginners to grasp the process. For those looking to dive deep into Japanese shopping, their interface on How to Buy from Yahoo Auctions Japan or How to Buy from Mercari Japan from Overseas is particularly intuitive.

Neokyo also has a clean and modern design. Its strength lies in its speed and efficiency, particularly for auction sites. While you might often start your browsing directly on Yahoo Auctions or Mercari and then paste the URL into Neokyo, their process for quick bidding and order placement is highly optimized. Some users find Neokyo's order processing faster once an item is purchased. Both platforms provide clear updates on your items as they move from purchase to warehouse to shipment, but ZenMarket often feels a bit more hand-holding for absolute newcomers.

Shopping Reach: What Stores Can Each Access?

Both services boast access to a vast array of Japanese online retailers and auction sites, essentially covering the entire Japanese e-commerce landscape.

ZenMarket explicitly lists its support for:

• Yahoo Auctions: A massive auction platform for everything from collectibles to electronics.
• Mercari Japan: The largest flea market app in Japan, great for second-hand goods.
• Rakuten: Japan's largest online marketplace, often compared to Amazon.
• Amazon Japan: For new retail items.
• Yodobashi Camera, Bic Camera, Uniqlo, GU, Zozotown, and virtually any other online store. You simply provide the URL, and they'll try to buy it. Their ability to buy from niche brand websites is a huge plus.

Neokyo similarly covers:

• Yahoo Auctions: With a strong emphasis and smooth integration for bidding.
• Mercari Japan: Also well-integrated for easy purchasing.
• Rakuten and Amazon Japan: Standard support for these giants.
• Many other online stores and brand sites.

The general rule of thumb for both is: if a store ships within Japan and accepts standard Japanese payment methods, these proxy services can likely purchase from it. However, always double-check if a specific, very niche store has any particular restrictions or if the proxy service has encountered issues with them before. For most common needs, both are equally capable. If you're interested in the broader picture of which services access which sites, our guide on Best Japan Proxy Shopping Services Compared offers a wider perspective.

Shipping and Storage: Speed, Safety, and Flexibility

Once your item is purchased and arrives at the proxy's warehouse, the next big step is getting it to you. This involves storage, consolidation, and choosing a shipping method.

ZenMarket offers a generous 60 days of free storage for your items. This is a significant advantage if you're planning to make multiple purchases over several weeks or even a couple of months, allowing you to wait for all your items to arrive before combining them. Their consolidation service is robust: they will combine all your items into as few boxes as possible to save on volumetric shipping costs. They also offer optional protective packaging for fragile items, which is a must if you're buying delicate collectibles. For international shipping, they have excellent rates and a wide selection of carriers, including EMS, DHL, FedEx, and various Japan Post options (Surface, Airmail Small Packet). Understanding these Japan Shipping Methods Explained: EMS, DHL, FedEx, and Surface can further optimize your choices.

Neokyo typically offers 45 days of free storage. While still ample for many, it's a bit less than ZenMarket. Their consolidation service is also efficient, aiming to pack your items securely and compactly to minimize shipping expenses. They also provide options for extra protective packaging. Neokyo's range of shipping carriers is comparable to ZenMarket, offering the standard reliable options. For time-sensitive items, Neokyo’s quicker processing times can sometimes mean your package gets out the door faster, but ZenMarket’s longer storage period offers more flexibility for slow accumulators.

Customer Service and Support

When things go wrong or you have a specific request, reliable customer service is invaluable. Both services understand the importance of clear communication.

ZenMarket offers multilingual customer support, which is a huge relief for non-Japanese speakers. They are generally responsive and helpful, whether you have questions about an item's condition, need help with an order, or are confused about shipping options. Their established presence means they have a well-trained team to handle a wide range of inquiries.

Neokyo also provides good customer support, with many users praising their quick response times, especially for urgent auction-related queries. While they might be a smaller team compared to ZenMarket, their personalized approach often resonates with users. They also offer multilingual support, ensuring that language isn't a barrier to getting your questions answered.

In terms of support quality, both are generally well-regarded, with occasional individual experiences varying, as is common with any customer service. The key is that both prioritize clear communication and assistance for their international clientele.

Picking Your Champion: Use Cases and Recommendations

So, who wins? It's not a simple knockout, but rather a strategic choice based on your specific shopping habits and priorities.

For the Budget-Conscious Buyer

If your primary goal is to save every possible yen on service fees, especially when buying multiple low-cost items, Neokyo is often the winner. Their 0 JPY service fee on major platforms like Yahoo Auctions and Mercari can lead to substantial savings if you're frequently purchasing items in the 500-5000 JPY range. For example, if you buy 5 items at 2,000 JPY each, Neokyo would charge 0 JPY in service fees, while ZenMarket would charge 1,500 JPY (300 JPY x 5 items). This difference can really add up.

However, remember to factor in payment processing fees, which are percentage-based on both platforms. For very high-value items, ZenMarket's flat 300 JPY fee might still be more appealing if Neokyo had a small percentage based fee on that specific store. But for most budget-focused buyers, particularly those active on second-hand marketplaces, Neokyo generally offers a more cost-effective entry point. Be mindful of their shorter free storage period if you plan on accumulating items over a very long time.

For the Auction Aficionado

If you live and breathe for those nail-biting last-second bids on Yahoo Auctions, then both services offer excellent platforms, but Neokyo often gets a slight edge due to its 0 JPY service fee for Yahoo Auctions and its reported quick bidding execution. The ability to place multiple bids without a per-item service fee is a huge draw for serious collectors.

ZenMarket is also fantastic for auctions, with a very stable and easy-to-use bidding interface. The 300 JPY fee per won item is still very reasonable for most auction finds. Ultimately, for auctions, it often comes down to personal preference for the interface and whether that 300 JPY fee becomes prohibitive when you're bidding on a large volume of low-value collectibles. Many people find ZenMarket's interface for How to Buy from Yahoo Auctions Japan to be particularly robust.

For Large or Multiple Shipments

When it comes to consolidating many items into one shipment, both ZenMarket and Neokyo perform admirably. They both excel at taking your numerous packages and combining them into a single, optimized box to reduce international shipping costs, which, let's be honest, can be the most expensive part of the whole process.

However, ZenMarket's longer 60-day free storage period gives it an advantage if you anticipate accumulating items over an extended period. This extra two weeks can make a big difference, especially if some items are pre-orders or take longer to ship from the seller. If you're consolidating a diverse range of goods, from figures to clothing to books, the option to wait a little longer can ensure everything arrives at the warehouse before you ship. This also makes them a strong choice if you frequently use a forwarding service to ship from Japan. Moreover, their expertise in handling Prohibited and Restricted Items When Importing from Japan is a bonus for complex shipments. For detailed insights into reducing shipping costs, check out our guide on How Package Consolidation Saves You Money.

Pro Tips for Seamless Proxy Shopping

No matter which service you choose, there are always ways to optimize your experience and avoid common pitfalls.

Savvy Saving Strategies

Beyond choosing the right proxy, you can take active steps to keep costs down:

• Consolidate, Consolidate, Consolidate!: This is perhaps the biggest money-saver. Always group as many items as possible into one package. The base cost for international shipping is high, so adding more items to the same box usually incurs diminishing marginal costs. Both ZenMarket and Neokyo offer excellent consolidation services, so utilize them fully.
• Choose the Right Shipping Method: Don't just default to EMS. While fast, it's not always the cheapest. Compare EMS, DHL, FedEx, and surface mail options. Surface mail (shipment by sea) is incredibly slow but often dramatically cheaper for heavy, non-urgent items. For smaller, lighter packages, some services offer "Airmail Small Packet" which can be a good middle ground. Use the shipping calculators on their sites to compare.
• Mind the Payment Fees: Both services have different fees for various payment methods. Sometimes using a service like Wise (formerly TransferWise) for bank transfers can be cheaper than PayPal or a credit card, especially for larger sums, as it often offers better exchange rates.
• Track Your Storage Time: Be aware of the free storage limits (60 days for ZenMarket, typically 45 days for Neokyo). If you exceed these, you'll start incurring daily storage fees. Plan your purchases so items arrive within a window that allows for efficient consolidation and shipping without extra charges.
• Look for Coupons and Campaigns: Proxy services, like ZenMarket and even other major players like Buyee, sometimes run promotions or offer coupons, especially around holidays or major shopping seasons. Keep an eye out for these to snag discounts on service fees or shipping.

Navigating Customs and Import Duties

This is where many first-time international shoppers get tripped up, and it's essential to understand that these are not fees charged by your proxy service. These are taxes and duties levied by your home country's customs department.

• Research Your Country's Import Thresholds: Every country has a "de minimis" value, below which imports are typically exempt from duties and taxes. Know this number. For example, the US has a high threshold, while many European countries have much lower ones.
• Understand Customs Declaration: When you prepare your shipment, you'll need to declare the value of the items. Your proxy service will guide you through this, but be honest. Under-declaring can lead to your package being seized, delayed, or incurring heavy fines. Over-declaring means you pay more tax than necessary.
• Be Prepared to Pay: The most straightforward approach is to assume you will pay duties and taxes, especially for higher-value shipments. Factor this into your overall budget. For more detailed information, read up on How to Avoid High Customs Fees on Japan Orders and Buying from Japan: Customs, Duties, and Import Taxes Explained. Sometimes, courier services like DHL or FedEx will collect these fees directly from you before delivery, or you might receive a bill from your government.

Ignoring customs duties is like ignoring that ¥10,000 train ticket you know you’ll have to pay. It’s better to be prepared than surprised!

Conclusion

Navigating the world of Japanese online shopping from overseas can feel like trying to find your way through a Tokyo subway station during rush hour – daunting, a bit overwhelming, but ultimately rewarding if you know the right lines to take. Both ZenMarket and Neokyo offer fantastic routes to those hard-to-get Japanese treasures.

ZenMarket stands out with its incredibly user-friendly, all-in-one platform, generous 60-day free storage, and transparent flat fee, making it ideal for those who value simplicity and are often purchasing higher-value items or accumulating goods over a longer period. It's a solid, reliable workhorse that will get the job done for most people.

Neokyo, on the other hand, is the nimble, budget-conscious option, particularly shining with its 0 JPY service fees on popular marketplaces like Yahoo Auctions and Mercari. If you're a prolific bidder, a frequent buyer of smaller, cheaper items, or prioritize the lowest possible upfront service cost, Neokyo could be your perfect match.

Ultimately, the best proxy service for you isn't about which one is inherently "better," but which one aligns most closely with your specific shopping habits, budget, and the types of items you're looking to acquire. Take a moment to consider what matters most for your next Japanese haul, do a quick cost simulation, and then dive in! Happy shopping, fellow Japan enthusiast!

Disclaimer

The information provided in this guide is intended for general informational purposes only and does not constitute financial, legal, or professional advice. Fees, policies, and regulations of proxy services, payment providers, and customs authorities are subject to change without notice. While we strive to provide accurate and up-to-date information, readers are advised to consult the official websites of ZenMarket, Neokyo, shipping carriers, and their local customs office for the most current and precise details before making any decisions. The author and publisher are not responsible for any losses or damages incurred as a result of relying on the information presented herein.