Effective Date: August 1, 2026

Last Updated: August 5, 2026

1. Acceptance of Terms

These Terms of Use (the “Terms”) govern your access to and use of ritzstevens.com (the “Site”), operated by RitzWerks, doing business as “Ritz Stevens” (“Ritz Stevens,” “we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

Our Privacy Policy, available on the Site, is incorporated into these Terms by reference.

2. Description of the Site

The Site provides general information about Ritz Stevens’ consulting, coaching, and practice-development services for independent financial advisors and registered investment advisers, including our National Successor Advisor Registry and related introduction/matching services. The Site itself is informational and does not execute, broker, or facilitate any securities transaction, business sale, or financial transaction. Any engagement for actual services is governed by a separate signed agreement (such as a Network Membership Agreement or Retiring Advisor Consulting & Succession Match Agreement), not by these Terms.

3. Not Investment, Legal, Tax, or Brokerage Advice

Nothing on the Site constitutes investment, legal, tax, accounting, valuation, or brokerage advice, and nothing on the Site should be relied upon as such. Ritz Stevens is not a broker-dealer, is not registered as an investment adviser, does not act as a business broker or finder for securities purposes, and does not exercise discretion over any advisor’s clients or accounts. Any consulting or matching services Ritz Stevens provides are business and practice-development services only, delivered under a separate written agreement.

4. No Guarantee of Outcome

Use of the Site, submission of a Registry entry, or a consultation request does not guarantee that Ritz Stevens will identify, introduce, or produce any match, candidate, or outcome. Any statistics, case studies, or illustrative figures on the Site are for general informational purposes only and are not a projection or guarantee of results for any particular advisor or firm.

5. Registry & Form Submissions

Information you submit through the Site (including the Successor Advisor Registry, consultation requests, and applications) is used as described in our Privacy Policy. Submitting information through the Site does not create a client relationship, membership, or any binding obligation on either party — a formal engagement begins only upon execution of a separate written agreement with Ritz Stevens. You agree that any information you submit is accurate and that you will promptly update it if it changes.

6. Independent Third Parties

Any advisor, firm owner, or successor candidate introduced through the Site or the Registry is an independent third party. They are not an employee, agent, or representative of Ritz Stevens, and Ritz Stevens does not vouch for, supervise, or guarantee their qualifications, registration status, disciplinary history, or conduct. You are solely responsible for conducting your own due diligence, and for retaining your own attorney, accountant, and compliance counsel, before entering into any transaction or relationship with any party introduced through the Site.

7. Intellectual Property

All content on the Site — including text, graphics, logos, the Ritz Stevens name and marks, and the site design — is owned by or licensed to Ritz Stevens and is protected by applicable intellectual property laws. You may view and print Site content for your own personal, non-commercial reference. You may not reproduce, distribute, modify, or create derivative works from Site content for any other purpose without our prior written consent.

8. Acceptable Use

You agree not to: use the Site for any unlawful purpose; attempt to gain unauthorized access to the Site or its underlying systems; scrape, harvest, or automatically extract data from the Site; submit false or misleading information through any Site form; or interfere with the Site’s normal operation.

9. Third-Party Links

The Site may contain links to third-party websites. We do not control and are not responsible for the content, accuracy, or practices of any linked site.

10. Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RITZ STEVENS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. RITZ STEVENS’ TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00).

12. Indemnification

You agree to indemnify, defend, and hold harmless Ritz Stevens and its members, managers, officers, employees, contractors, and agents from any claims, losses, liabilities, damages, and expenses (including reasonable attorneys’ fees) arising out of your use of the Site or your violation of these Terms.

13. Governing Law & Venue

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles. Any dispute arising out of or relating to these Terms will be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, seated in Collin County, Texas. Judgment on the arbitration award may be entered in any court of competent jurisdiction. You consent to the exclusive jurisdiction and venue of the state and federal courts located in Collin County, Texas for any proceeding permitted in aid of arbitration or to enforce an arbitration award.

14. Changes to These Terms

We may update these Terms from time to time. The “Last Updated” date above reflects the most recent changes. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

15. Contact Information

Questions about these Terms can be directed to:

RitzWerks d/b/a Ritz Stevens
2100 Brabant Drive
Plano, Texas 75025

Email: info@ritzstevens.com