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I am sorry to hear about this situation. Please:
1) Link me to the article in question, and
2) You can attach the policy and I can take a general look at it and see if any "red flags" come up, but a detailed legal review is not possible by a JustAnswer expert as this is meant to be general information only and not legal advice.
Thank you. Please allow me about 5 minutes to review and I will reply. My apologies in advance for the short wait.
I am afraid that this needs an expert more familiar with NY law nuances. I am going to opt out of your question and open this up for other experts.
Your JustAnswer Account has not been charged for this conversation and your question is back in the queue. You do not have to stay online for the question to be active. Should an expert pick it up, you should be alerted via email and/or SMS (text message) unless you actively disable these features.
There is no need for you to reply at this time as this will "lock" your question back to me, thus inadvertently delaying other experts' access to it.
My apologies for any inconvenience and good luck.