Effective Date: July 7, 2026

Sterling Insurance LLC ("Sterling Insurance," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website, apply for or maintain insurance coverage, or otherwise interact with us.

By using our website or services, you agree to the terms of this Privacy Policy.

We may collect the following types of information:

Personal Information You Provide to Us

• Name, address, phone number, email address, date of birth
• Social Security number or Tax ID number
• Driver's license number
• Financial and banking information (for billing and payment)
• Information about your property, vehicles, business, or other insured assets
• Health or medical information (where relevant to certain lines of coverage)
• Claims history and prior insurance information

Information Collected Automatically

• IP address, browser type, device information
• Pages visited, time spent on site, referring website
• Cookies and similar tracking technologies (see Section 6)

Information from Third Parties

• Motor vehicle records, credit reports, and claims history databases
• Information from insurance carriers, agents, and underwriters
• Public records used for underwriting and rating purposes

We use the information we collect to:

• Quote, issue, underwrite, and service insurance policies
• Process claims and payments
• Verify your identity and prevent fraud
• Communicate with you about your policy, coverage options, and renewals
• Comply with legal and regulatory requirements
• Improve our website and services
• Send marketing communications (where permitted, and with the ability to opt out)

We do not sell your personal information. We may share information with:

• Insurance carriers and underwriters to obtain quotes and bind coverage
• Service providers who help us operate our business (e.g., payment processors, IT vendors), under confidentiality obligations
• Claims adjusters and investigators as needed to process a claim
• Regulators, law enforcement, or courts when required by law or legal process
• Successor entities in the event of a merger, acquisition, or sale of business assets

We may also share information with your consent or as otherwise permitted or required by applicable law, including state insurance privacy regulations and the Gramm-Leach-Bliley Act (GLBA).

Depending on your state of residence, you may have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Opt out of certain marketing communications
• Limit sharing of your information with unaffiliated third parties for marketing purposes

To exercise any of these rights, contact us using the information in Section 9.

We maintain administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, or disclosure. While we take reasonable steps to secure your information, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

Our website may use cookies and similar technologies to improve functionality, analyze traffic, and personalize content. You can control cookies through your browser settings; disabling cookies may affect certain website features.

We retain personal information for as long as necessary to service your policy, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements.

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.

If you have questions about this Privacy Policy or how we handle your information, contact us at:

[Sterling Insurance LLC] [Street Address] [City, State ZIP] [Phone Number] [Email Address]

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised "Last Updated" date. Continued use of our website or services after changes are posted constitutes acceptance of the updated policy.

This document is a general template and does not constitute legal advice. Insurance agencies are subject to state-specific privacy and data-protection requirements (including NAIC model privacy regulations and, in some states, additional consumer privacy laws) as well as the federal Gramm-Leach-Bliley Act. This draft should be reviewed by an attorney licensed in your state before publication to confirm it meets all applicable requirements for your business and the states in which you operate.