Effective Date: February 1, 2026

Welcome to the website of Stratos Adjusters, LLC (“we,” “our,” or “us”). By accessing or using this website, including submitting information or contacting us by phone, text, or email, you agree to the following Terms and Conditions. If you do not agree, please do not use this website.

No Public Adjuster-Client Relationship

Submitting information through this website or contacting us does not create a public adjuster-client relationship.

A public adjuster-client relationship is formed only after a written agreement is executed by both parties in accordance with New York law.

Any information provided through this website is for initial evaluation purposes only and does not constitute representation, advice, or advocacy on your behalf.

Informational Use Only

The content on this website is provided for general informational purposes only and should not be relied upon as professional advice regarding any specific insurance claim. Each claim is unique and subject to policy terms, insurer practices, and applicable law.

Nothing on this website constitutes legal advice, nor does it replace consultation with a licensed attorney. Public adjusting services are distinct from legal representation, and users should seek independent legal counsel where appropriate.

This website is not intended to solicit or engage public adjusting services during a declared state of emergency except as permitted by applicable New York law.

Communications Consent (Calls, Texts, and Emails)

By submitting your contact information through this website or by initiating contact with us, you expressly consent to be contacted by Stratos Adjusters, LLC via telephone calls, text messages (SMS), and email regarding your inquiry, potential insurance claim, or our services.

You understand that:

• Message and data rates may apply

• Consent to receive communications is not a condition of purchasing services

• You may revoke consent at any time by notifying us or, for text messages, by replying STOP

Accuracy of Information

You agree that any information you submit through this website is accurate and complete to the best of your knowledge. We are not responsible for decisions made based on inaccurate, incomplete, or outdated information provided by users.

Any claim size estimates or valuation information submitted through this website are preliminary, non-binding, and provided solely for initial evaluation purposes.

No Guarantee of Results

Past results or general descriptions of services do not guarantee any particular outcome. Insurance claims depend on many factors beyond our control, including policy language, loss circumstances, and insurer determinations.

Geographic Limitation

Our services are offered in jurisdictions where we are properly licensed. This website is intended for use by individuals and businesses located in New York State, unless otherwise stated.

Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of Stratos Adjusters, LLC or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any content without prior written permission.

Third-Party Links

This website may contain links to third-party websites. These links are provided for convenience only. We do not control and are not responsible for the content, privacy practices, or availability of any third-party sites.

Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to your use of this website, these Terms and Conditions, or communications with Stratos Adjusters, LLC shall be resolved by binding arbitration, rather than in court, except that either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent unauthorized use of intellectual property or confidential information.

Arbitration shall be conducted on an individual basis and not as a class, collective, or representative action.

Arbitration shall take place in Suffolk County, New York, before a single arbitrator.

Governing Law and Venue

These Terms and Conditions are governed by the laws of the State of New York, without regard to conflict-of-law principles.

To the extent any dispute is not subject to arbitration or requires court involvement, you agree that exclusive jurisdiction and venue shall lie in the state or federal courts located in Suffolk County, New York, and you consent to personal jurisdiction in such courts. This provision applies to the maximum extent permitted by law.

Limitation of Liability

To the fullest extent permitted by law, Stratos Adjusters, LLC shall not be liable for any damages arising out of or related to your use of this website, including but not limited to direct, indirect, incidental, or consequential damages.

Indemnification

You agree to indemnify and hold harmless Stratos Adjusters, LLC from any claims, losses, liabilities, or expenses arising out of your use of this website or violation of these Terms and Conditions.

Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect and use personal information.

Accessibility

We are committed to making our website accessible to all users. Please refer to our Accessibility Statement for more information or to request assistance.

Changes to These Terms

We may update these Terms and Conditions at any time. Any changes will be posted on this page with an updated effective date. Continued use of the website constitutes acceptance of the revised terms.

ACCEPTANCE OF TERMS

By submitting information through this website, including by clicking "Submit", sending a message, or initiating contact by phone or text, you expressly acknowledge that you have read, understood, and agree to these Terms and Conditions, including the Arbitration Clause, Communications Consent, and Governing Law Provisions.

You also confirm that:

• You consent to be contacted by Stratos Adjusters, LLC via phone, text (SMS), or email regarding your inquiry or potential insurance claim; and

• You understand that submitting your information does not create a public adjuster-client relationship, and any claim-related information provided is preliminary and non-binding.

If you do not agree to these Terms and Conditions, you should not submit your information or otherwise use this website.

Contact Information

If you have questions about these Terms and Conditions, please contact us:

Stratos Adjusters, LLC

Email: info@stratosadjusters.com

Phone: (631) - 662 - 9465