Effective Date: August 7, 2026

These Terms and Conditions ("Terms") govern your use of www.boutiqueriskadvisors.com (the "Site"), operated by Boutique Risk Advisors LLC ("we," "us," or "our"), a licensed insurance producer in New York (NPN: 22139590). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

Content on the Site — including any quotes, coverage descriptions, or premium estimates — is for general informational purposes only and does not constitute an offer, binder, or guarantee of insurance coverage. Coverage is not effective until confirmed in writing by Boutique Risk Advisors LLC or the applicable insurance carrier, and all coverage is subject to the terms, conditions, and exclusions of the actual policy issued.

Information on the Site does not constitute insurance, legal, financial, or tax advice. Please consult a licensed agent for guidance specific to your situation.

By opting in to receive text messages from Boutique Risk Advisors LLC, you agree to the following:

• You are the account holder or authorized user of the mobile number provided, and you consent to receive automated or manual text messages, including service and, where applicable, marketing messages.
• Message frequency varies. Message and data rates may apply.
• Reply STOP to any message to opt out at any time; reply HELP for assistance, or contact us at 914-486-5664 / mgmt@boutiqueriskadvisors.com .
• Consent to receive marketing text messages is not required as a condition of purchasing any insurance product or service.
• Carriers are not liable for delayed or undelivered messages.

Our text messaging practices, including how we collect, use, and share information related to this program, are described in our Privacy Policy.

You agree to use the Site only for lawful purposes and not to:

• Provide false or misleading information;
• Attempt to gain unauthorized access to the Site or its systems;
• Use the Site to transmit harmful code or interfere with its operation; or
• Use automated means (e.g., bots or scrapers) to access or collect data from the Site without our consent.

All content on the Site — including text, graphics, logos, and design — is owned by or licensed to Boutique Risk Advisors LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from Site content without our prior written consent.

The Site may contain links to third-party websites (such as insurance carriers or payment portals) that we do not control. We are not responsible for the content, privacy practices, or terms of those sites.

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of accuracy, completeness, or fitness for a particular purpose. We do not warrant that the Site will be uninterrupted or error-free.

To the fullest extent permitted by law, Boutique Risk Advisors LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on its content. Nothing in these Terms limits any liability that cannot be excluded under New York law.

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Any disputes arising from these Terms or use of the Site shall be subject to the exclusive jurisdiction of the courts located in Westchester, New York.

We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

• Boutique Risk Advisors LLC
• 118 North Bedford Road, Suite 100, Mount Kisco, NY 10549
• Phone: 914-486-5664
• Email: mgmt@boutiqueriskadvisors.com

Compliance Note: This draft is intended to satisfy EZLynx/carrier 10DLC text-registration requirements for a Privacy Policy and Terms & Conditions page, and reflects common carrier-required SMS disclosures (opt-in, STOP/HELP, frequency, rates, no third-party sharing). Have your attorney or compliance resource review both pages — and confirm your actual texting platform's opt-in flow matches what's described here — before publishing.