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Terms of Use

Last updated: May 14, 2024

1. Introduction

At Sterling Lloyd Insurance Services, precision and transparency are at the core of our operations. We are committed to protecting your personal information and your right to privacy. This Privacy Policy describes how we collect, use, and share your personal information when you use our services, visit our website, or interact with our digital tools.

By using Sterling Lloyd's services, you consent to the practices described in this policy. We ensure that our data handling practices comply with the highest standards of financial data protection and security.

2. Information We Collect

We collect information that identifies, relates to, or could reasonably be linked, directly or indirectly, with a particular consumer or device. This includes:

  • Identifiers such as name, alias, postal address, unique personal identifier, and online identifier.
  • Professional or employment-related information.
  • Financial information provided during the insurance application or claims process.
  • Geolocation data and internet activity logs.

How Sterling Lloyd Uses AI

We leverage advanced artificial intelligence to provide "Precision Transparency" in our underwriting and claims processing.

AI Guardrails

All AI-driven decisions are subject to human oversight. We do not use automated processing for final claim denials or policy cancellations without manual review by a licensed specialist.

Transparency

We provide clear explanations for any AI-assisted risk assessments that impact your premiums or coverage eligibility.

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3. Sharing Your Information

Sterling Lloyd does not sell your personal information. We may share information with trusted third-party service providers who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential.

4. Your Privacy Rights

Depending on your jurisdiction, you may have the right to request access to the personal information we collect, request the deletion of your personal information, or opt-out of certain types of data processing.

Educational-use notice

The information on this website is provided for general educational and informational purposes only. It is not legal advice, tax advice, medical advice, financial advice, or a substitute for licensed insurance review and policy-specific guidance.

No binding or coverage confirmation through website alone

Submitting a form, using AI chat, sending an email, or leaving a voicemail does not bind insurance, change insurance, cancel insurance, or confirm that a claim is covered. Coverage actions require written confirmation from Sterling Lloyd and, where required, the carrier.

User responsibilities and additional terms

Website content, branding, and materials are owned by Sterling Lloyd or its licensors and may not be reproduced without permission. Links to carrier portals, billing sites, or third-party services are provided for convenience and are governed by the third party’s own terms and privacy practices. Disclaimer and limitation: To the fullest extent permitted by law, the website and its content are provided without warranties of any kind. Sterling Lloyd reserves the right to update the site and these terms at any time. Questions about these terms may be directed to [Legal/Compliance Contact].

Questions about this policy?

Contact our Privacy Team