Effective Date: September 19, 2026
Last Updated: September 27, 2026
These Terms & Conditions (“Terms”) govern your access to and use of the Sterling Arc Group website and its online features. By accessing or using this website, you agree to these Terms to the extent enforceable under applicable law. If you do not agree, please do not use the website.
1. About Sterling Arc Group
Sterling Arc Group provides insurance-related education, information, and assistance and may facilitate access to insurance and related services through appropriately licensed professionals, insurance carriers, service providers, and other third parties. Sterling Arc Group is not itself the insurance company that underwrites or issues an insurance policy.
2. Website Information Is Educational
Website content is provided for general informational and educational purposes. It is not a substitute for an individualized review of your needs, eligibility, financial circumstances, existing coverage, policy documents, or professional advice.
Nothing on this website constitutes legal, tax, accounting, investment, medical, or other professional advice. Trust, will, estate-planning, tax, and legal matters should be reviewed with an appropriately qualified professional.
3. No Insurance Coverage Is Bound Through the Website
Submitting a website form, sending an email or text message, scheduling a consultation, receiving a quote, or communicating through this website does not bind, modify, renew, cancel, or place insurance coverage. Coverage becomes effective only according to the terms of the applicable insurance contract and written confirmation issued or authorized by the insurance carrier.
If website content conflicts with an insurance policy, carrier illustration, application, disclosure, endorsement, certificate, or other controlling carrier document, the applicable carrier document controls.
4. Licensing, Availability, and Eligibility
Insurance products and services are offered only where legally permitted and through appropriately licensed and, where required, appointed professionals. Product availability, rates, eligibility, underwriting requirements, benefits, exclusions, limitations, and carrier participation vary by state and individual circumstances.
5. No Guarantee of Results
Rates, examples, illustrations, projections, indexed-crediting examples, benefit descriptions, premiums, bonuses, and other figures may change and are not guarantees of approval, coverage, policy performance, credited interest, tax treatment, financial results, or future outcomes.
6. Medicare and Government Programs
Sterling Arc Group is not connected with or endorsed by the United States government, the federal Medicare program, or HealthCare.gov. Medicare Advantage, Part D, Medigap, Marketplace, and other program-related information is subject to applicable government, carrier, and regulatory requirements. Official information is available from the applicable government program.
These Terms do not replace any disclosure required by the Centers for Medicare & Medicaid Services (CMS), an insurance department, an insurance carrier, or another regulator for a particular communication, product, or transaction.
7. Website Forms and Information You Provide
You agree to provide information that is accurate to the best of your knowledge and not to impersonate another person or submit information you are not authorized to provide. Please do not send full Social Security numbers, complete financial-account credentials, medical records, or similarly sensitive documents through a general website form unless Sterling Arc Group specifically directs you to an approved secure method.
Submission of a form does not create a duty to obtain insurance, guarantee a response within a particular period, or obligate any carrier or provider to offer a product.
8. Electronic Communications
If you contact us electronically, you consent to receive communications reasonably necessary to respond to your inquiry or service request. Marketing email, text-message, or similar promotional consent is governed by any separate consent language presented when you provide your information and may be withdrawn as provided in that communication or our Privacy Policy.
AI-Assisted and Automated Communications
Sterling Arc Group may use artificial intelligence or automated technologies to assist with CRM workflows, customer-service responses, lead follow-up, scheduling, or communications when such tools are implemented. Use of these technologies remains subject to applicable federal and state law and to any consent required for the particular communication method.
Where legally required, automated, artificial-voice, prerecorded, or similar marketing communications will be used only after the applicable consent has been obtained. Such consent is not a condition of purchasing insurance products or services and may be revoked as described in the communication or our Privacy Policy.
AI-assisted communications do not constitute underwriting approval, a binding insurance offer, legal advice, tax advice, investment advice, or a guarantee of coverage or eligibility. Final insurance decisions remain subject to the applicable carrier, policy terms, underwriting requirements, licensing rules, and human review where required.
9. Acceptable Use
You may not use the website to violate law, infringe intellectual-property or privacy rights, transmit malicious code, attempt unauthorized access, interfere with website security or operation, scrape or harvest personal information in an abusive or unlawful manner, misrepresent your identity, or use website content for fraudulent or deceptive activity.
10. Intellectual Property
Unless otherwise indicated, website text, branding, graphics, design elements, educational materials, and other original content are owned by or licensed to Sterling Arc Group and are protected by applicable intellectual-property laws. You may view and use website content for personal, noncommercial informational purposes. No other license or transfer of ownership is granted by these Terms.
Third-party names, logos, trademarks, product names, and materials remain the property of their respective owners. References to third parties do not imply ownership, sponsorship, or endorsement unless expressly stated.
11. Third-Party Websites and Services
The website may link to or use services operated by third parties, including insurance carriers, government websites, Jotform, scheduling tools, communications providers, and other service providers. Sterling Arc Group does not control independent third-party websites or their availability, security, terms, privacy practices, or content.
12. Privacy and Cookies
Your use of this website is also subject to our Privacy Policy and Cookie Policy, which explain our general information practices and the technologies used on the website.
13. Website Availability and Changes
We may update, suspend, modify, or discontinue website content or functionality at any time. We do not guarantee uninterrupted access, error-free operation, or that every item of website content will remain current or available.
14. Disclaimer of Warranties
To the fullest extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied. Nothing in these Terms excludes warranties or consumer rights that cannot legally be excluded.
15. Limitation of Liability
To the fullest extent permitted by applicable law, Sterling Arc Group will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising solely from use of or inability to use this website or reliance on general website content. Nothing in these Terms limits liability that cannot legally be limited or excluded.
16. Governing Law
To the extent permitted by applicable law, these Terms and disputes concerning use of this website are governed by the laws of the State of Florida, without requiring the waiver of any mandatory consumer protection that applies to you under another jurisdiction’s law. Nothing in this section is intended to create jurisdiction or venue where applicable law does not permit it.
17. Severability and No Waiver
If a provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law. A failure to enforce a provision on one occasion does not waive the right to enforce it later.
18. Relationship to Insurance Contracts and Other Notices
These Terms govern use of the website only. They do not amend an insurance policy, application, carrier agreement, privacy notice, scope of appointment, enrollment document, service agreement, or other separately applicable contract or regulatory disclosure. If another binding document governs a particular transaction, that document controls for that transaction.
19. Changes to These Terms
We may revise these Terms when our website, services, technology, or legal requirements change. Material revisions will be reflected by updating the Last Updated date on this page and by providing additional notice when required by applicable law.
20. Contact Us
Sterling Arc Group
3275 W Hillsboro Blvd, Suite 309
Deerfield Beach, FL 33442
United States
Email: info@sterlingarcgroup.com
Phone: +1 (754) 241-9294
For additional legal information, please review our Website Disclaimer.