— Legal —

Terms of Service

These Terms govern your use of our website and services. Please read them carefully. If you do not agree, do not use the site.

Effective Date: January 31, 2026

1. Company Information

Pinnacle Risk Advisors LLC
Phone: (943) 239-3439
Email: dbrown@pinnacleriskad.com
Service Areas: Georgia & Florida

2. No Binding Coverage

Quotes and information provided through this website are for informational purposes only and do not bind coverage. Coverage is not in force unless and until confirmed in writing by an authorized carrier and all underwriting requirements are satisfied.

3. Use of Website

You agree not to misuse the website, attempt unauthorized access, or interfere with its operation. We may suspend access if misuse is detected.

4. Disclaimers

We provide information “as is” without warranties of any kind. We do not guarantee availability, accuracy, or uninterrupted access.

5. SMS/Text Messaging Terms

If you opt in to receive text messages, the following terms apply.

5.1 Program Description (SMS Use Cases)

If you opt in, Pinnacle Risk Advisors LLC may send text messages related to: (1) insurance quote follow-ups, (2) policy and service updates, (3) appointment reminders, and (4) customer support communications. If you separately consent to marketing, we may also send occasional promotional messages.

5.2 Opt-In

You can opt in by submitting a website form and checking the SMS consent checkbox (unchecked by default). Consent is not a condition of purchase.

5.3 Age Restriction (18+)

You must be at least 18 years old to opt in to receive SMS/text messages from Pinnacle Risk Advisors LLC.

5.4 Message Frequency

Message frequency varies based on your requests and account activity.

5.5 Message & Data Rates

Message and data rates may apply depending on your mobile carrier plan.

5.6 Opt-Out Instructions

Reply STOP to cancel at any time. You will receive a confirmation message.

5.7 Help / Customer Support

Reply HELP for help, or contact us at (943) 239-3439 or dbrown@pinnacleriskad.com.

5.8 Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

6. Limitation of Liability

To the fullest extent permitted by law, Pinnacle Risk Advisors LLC will not be liable for indirect, incidental, special, or consequential damages.

7. Changes

We may update these Terms from time to time. The effective date above reflects the most recent revision.

8. Contact

Questions? Contact us at dbrown@pinnacleriskad.com.

This page is provided for general informational purposes and does not constitute legal advice.