Terms and Conditions

Effective Date: Sep 16, 2025

Welcome to the website of Brio Advisors LLC (“Brio Advisors,” “we,” “us,” or “our”). By accessing or using this website, contacting us through any form, or engaging with us via SMS/text messaging, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with these Terms, you must not use this site or our services.

1. Use of Website

This website is intended for informational purposes only. By using this website, you represent that you are at least 18 years of age and legally capable of entering into a binding agreement.

You agree to use this website only for lawful purposes and in accordance with these Terms. You must not:

Use the website in any way that may damage, disable, overburden, or impair its functionality

Attempt to gain unauthorized access to any portion of the website, accounts, systems, or networks

Use automated means to access the site (e.g., bots, spiders, scrapers)

Use the website for fraudulent or malicious purposes

2. No Financial or Legal Advice

All content on this website is for general informational purposes only and should not be construed as financial, investment, legal, or tax advice. Use of the site does not create a client-advisor relationship. Decisions based on information from this site are your sole responsibility. For personalized advice, please contact Brio Advisors LLC directly.

3. Intellectual Property

All content on this site—including text, graphics, logos, images, videos, downloads, and software—is the property of Brio Advisors LLC or its licensors and is protected by intellectual property laws. You may not:

Reproduce, distribute, or modify content without express written permission

Use any content for commercial purposes without authorization

Remove any copyright, trademark, or other proprietary notices

4. SMS/Text Messaging Terms

By submitting any form on our website or texting “START” to any Brio Advisors LLC phone number, you consent to receive SMS/text messages from Brio Advisors regarding your inquiry, services, updates, and other relevant information.

SMS Terms:

Consent: You confirm you are authorized to use the number provided and consent to receive messages.

Message Frequency: May vary based on interaction.

Opt-Out: You may reply “STOP” at any time to unsubscribe. You may also reply “HELP” for assistance.

Carrier Fees: Message and data rates may apply. Brio Advisors is not responsible for carrier charges.

SMS communications are provided “as is” and may not be 100% secure. Avoid sending sensitive personal or financial information via text.

5. Third-Party Links

Our website may contain links to third-party sites. These links are provided for convenience only, and Brio Advisors LLC does not endorse or control those websites. We are not responsible for their content or privacy practices.

6. Disclaimer of Warranties

This website and all content are provided “as is” and “as available” without warranties of any kind, express or implied. To the fullest extent permitted by law, Brio Advisors LLC disclaims:

Any warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy

Any liability for errors or omissions in content

Any liability for interruptions or the security of communications

7. Limitation of Liability

To the maximum extent allowed by law, Brio Advisors LLC shall not be liable for any damages, including but not limited to:

Direct, indirect, incidental, punitive, or consequential damages

Loss of profits, data, use, or goodwill

Any unauthorized access to or use of your data or communications

This limitation applies whether based on warranty, contract, tort (including negligence), or any other legal theory.

8. Indemnification

You agree to indemnify, defend, and hold harmless Brio Advisors LLC, its officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with:

Your use or misuse of the website

Your violation of these Terms

Your violation of any rights of a third party

9. Modifications

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the website after any changes constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to its conflict of law principles. Any legal action or proceeding shall be brought exclusively in the courts located in Sheridan, WY.

11. Contact Information

If you have any questions regarding these Terms and Conditions, please contact:

Brio Advisors LLC

1309 Coffeen Ave, Suite 1200, Sheridan, WY 82801

(888) 321-2746

frank@brioadv.com

12. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Brio Advisors LLC regarding the use of the website and supersede any prior or contemporaneous agreements, communications, and proposals.