Effective Date: September 8, 2026
Last Updated: September 27, 2026

Sterling Arc Group (“Sterling Arc Group,” “SAG,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit our website, submit an inquiry, request information about insurance or related services, schedule a consultation, communicate with us, or otherwise interact with Sterling Arc Group.

This Privacy Policy applies to our website and related online interactions. Additional privacy notices may apply when you apply for, purchase, or maintain an insurance or financial product through an insurance carrier, enrollment platform, financial institution, or other third-party provider.

1. Who We Are

Sterling Arc Group provides educational information and assistance concerning insurance and protection-related products and services in the United States.

Privacy Contact:
Nicoletta Catalucci
Sterling Arc Group
3275 W Hillsboro Blvd, Suite 309
Deerfield Beach, FL 33442
United States

Email: info@sterlingarcgroup.com
Phone: +1 (754) 241-9294

Insurance products, eligibility, underwriting requirements, carrier availability, and licensing requirements vary by state.

2. Scope of This Privacy Policy

This Privacy Policy applies to personal information that we collect through:

• Our website.
• Contact and consultation forms.
• Insurance-information requests.
• Email communications.
• Telephone communications.
• Text messages where applicable.
• Appointment scheduling.
• Insurance education and service inquiries.
• Interactions with authorized insurance carriers, enrollment platforms, general agencies, service providers, or business partners where applicable.
• Other interactions in which this Privacy Policy is referenced.

This Privacy Policy does not govern the independent privacy practices of insurance carriers, government agencies, healthcare providers, financial institutions, or third-party websites.

Those organizations may provide their own privacy notices.

3. Personal Information We May Collect

The information we collect depends on how you interact with us and the services you request.

A. Identifiers and Contact Information

We may collect:

• Name.
• Mailing address.
• Email address.
• Telephone number.
• State of residence.
• ZIP code.
• Date of birth when necessary for an insurance inquiry.
• Preferred contact method.

B. Insurance and Coverage Information

When you request help evaluating insurance options, we may collect information such as:

• Type of insurance you are interested in.
• Current insurance coverage.
• Desired coverage.
• Renewal date.
• Household information.
• Family composition.
• Beneficiary information where relevant.
• Employer-sponsored coverage information.
• Business or employee-benefit information.
• Medicare-related eligibility information.
• Insurance application information.

C. Business and Employment Information

For business or employee-benefit inquiries, we may collect:

• Business name.
• Business location.
• Number of employees.
• Employee locations.
• Current benefits.
• Renewal dates.
• Occupation.
• Employment status.
• Self-employment status.

D. Financial Information

Certain insurance, annuity, retirement, or advanced-planning inquiries may require financial information such as:

• Approximate income.
• Household income.
• Net-worth information.
• Assets.
• Financial objectives.
• Existing insurance or retirement arrangements.

We do not recommend submitting bank-account information, full Social Security numbers, credit-card information, or similar highly sensitive information through a standard website contact form.

When such information is necessary for an insurance application or transaction, it should be collected through an appropriate secure process or authorized third-party platform.

E. Health and Medical Information

Certain insurance products may require health-related information during underwriting or eligibility review.

This may include, where applicable:

• General health history.
• Tobacco use.
• Medical conditions.
• Prescription information.
• Treatment history.
• Other underwriting information.

We intentionally limit the collection of detailed medical information through general website forms.

If sensitive health information is required, we may direct you to a secure carrier, enrollment, underwriting, or authorized application process.

F. Communications

We may retain information contained in communications with us, including:

• Emails.
• Contact-form submissions.
• Appointment requests.
• Telephone notes.
• Text-message communications.
• Questions and service preferences.

G. Website and Device Information

When you visit our website, certain information may be collected automatically, including:

• IP address.
• Browser type.
• Device type.
• Operating system.
• General geographic location derived from IP address.
• Pages viewed.
• Time spent on pages.
• Referring website.
• Links clicked.
• Date and time of access.
• Cookie and similar technology identifiers.

This information helps us operate, secure, analyze, and improve the website.

4. Information We May Receive From Other Sources

Where permitted by law and relevant to a service you request, we may receive information from:

• Insurance carriers.
• Authorized enrollment platforms.
• General agencies or insurance intermediaries.
• Referral partners.
• Service providers.
• Business partners.
• Consumer-reporting or underwriting sources where legally permitted and authorized.
• Publicly available sources.
• Information you authorize another party to provide to us.

Information obtained through an insurance application may be subject to additional insurance, financial-privacy, or carrier-specific notices.

5. How We Use Personal Information

We may use personal information to:

Provide Requested Services

We use information to respond to inquiries, schedule consultations, explain insurance options, evaluate available coverage, and assist with insurance-related requests.

Obtain or Assist With Insurance Information

Where authorized, we may use information to obtain quotes, determine preliminary eligibility, communicate with insurance carriers, submit applications, or assist with enrollment.

Service Existing Relationships

We may use information to communicate about existing insurance coverage, renewals, policy questions, beneficiary reviews, or related services.

Communicate With You

We may contact you regarding:

• A request you submitted.
• A scheduled appointment.
• An application.
• An existing insurance relationship.
• Requested educational information.
• Relevant service updates.

Improve Our Website and Services

We may analyze website usage to understand which pages are useful, identify technical problems, improve navigation, and develop educational content.

Maintain Security

Information may be used to:

• Detect fraud.
• Prevent unauthorized activity.
• Protect systems.
• Investigate security incidents.
• Enforce website terms.

Meet Legal and Regulatory Requirements

We may process information when necessary to comply with:

• Insurance laws and regulations.
• Licensing requirements.
• Record-retention obligations.
• Government requests.
• Court orders.
• Legal claims.
• Regulatory examinations.
• Anti-fraud requirements.

Marketing

Where legally permitted, we may send information concerning our services or educational resources.

You may opt out of marketing communications as described below.

We do not use detailed medical, Social Security, insurance-policy, or financial-account information for behavioral advertising.

6. How We May Disclose Personal Information

We do not disclose personal information indiscriminately.

Depending on your request, personal information may be disclosed to the following categories of recipients.

Insurance Carriers and Insurance-Service Providers

When you request an insurance quote, application, enrollment, or policy service, information may be provided to appropriate:

• Insurance carriers.
• Underwriters.
• General agencies.
• Enrollment providers.
• Insurance-support organizations.
• Authorized insurance intermediaries.

The information disclosed depends on the product and transaction.

Service Providers

We may use third-party providers that support our operations, including:

• Website hosting.
• CRM systems.
• Email systems.
• Appointment scheduling.
• Website analytics.
• Cybersecurity.
• Data storage.
• Customer support.
• Document management.
• Communications.

These providers may process information on our behalf subject to contractual and legal requirements. We seek to use providers appropriate to the nature and sensitivity of the information involved.

Website Forms — Jotform

Our website currently uses embedded forms provided by Jotform. When you submit a Jotform form, the information you enter is transmitted through Jotform’s systems and may include related technical information necessary to operate and secure the form. Jotform processes that information under its own privacy and security terms and, where applicable, as a service provider acting on our behalf.

Please do not use a general website form to send full Social Security numbers, complete financial-account credentials, medical records, health-insurance identification cards, or other highly sensitive documents unless we specifically direct you to an approved secure method.

Website Hosting and Infrastructure

Our website is hosted using Hostinger infrastructure and WordPress technology. Hosting and infrastructure providers may process server logs, IP addresses, device or browser information, security events, and similar technical data as necessary to host, secure, troubleshoot, and operate the website.

Professional Advisors

Information may be disclosed when appropriate to attorneys, accountants, tax professionals, compliance consultants, or other professionals assisting us or, with your authorization, assisting with your matter.

Government and Regulatory Authorities

We may disclose information when reasonably necessary to comply with:

• Applicable law.
• Regulatory requirements.
• Subpoenas.
• Court orders.
• Law-enforcement requests.
• Insurance-department inquiries.
• Legal claims.

Business Transfers

If Sterling Arc Group is involved in a merger, acquisition, restructuring, financing, sale of assets, or similar transaction, information may be transferred as permitted by applicable law.

At Your Direction

We may disclose information when you ask or authorize us to do so.

7. Sale and Sharing of Personal Information

Sterling Arc Group does not sell personal information to third parties for monetary consideration as part of our ordinary business model.

We also do not knowingly sell medical information, health-insurance information, Social Security numbers, financial-account information, or other sensitive insurance information.

Our website may use analytics, advertising, social-media, or cookie technologies that allow third parties to collect online identifiers or browsing information.

Under certain state privacy laws, some of those activities can potentially be characterized as “sharing,” “sale,” or processing for “targeted advertising,” even when no money changes hands.

Where applicable law provides a right to opt out of such processing, we will provide a legally appropriate method for exercising that right.

8. Cookies and Similar Technologies

Our website may use cookies, pixels, tags, analytics technologies, and similar technologies. For more detail about the technologies currently identified on this website and how to manage cookie choices, please review our Cookie Policy.

These may include:

Essential Cookies

Necessary for security, website functionality, forms, and basic navigation.

Functional Cookies

Used to remember preferences or provide enhanced functionality.

Analytics Cookies

Used to understand how visitors interact with the website and improve performance.

Advertising or Social-Media Technologies

If enabled, these technologies may help measure advertising performance or understand interactions with external platforms.

You can control many cookies through your browser settings. If we deploy a cookie-consent or preference-management tool, you may also use that tool to manage the non-essential technologies covered by it.

Embedded third-party features, including website forms, may use cookies or similar technologies that are controlled by the applicable provider. Disabling certain cookies or blocking third-party content may affect website or form functionality.

9. Online Tracking and Do Not Track Signals

Some browsers provide a “Do Not Track” or DNT signal.

Because there is not a single universally adopted technical standard governing DNT signals, our website may not respond to traditional DNT browser headers in all circumstances.

Where applicable law requires recognition of legally valid opt-out preference signals, such as an applicable Global Privacy Control signal, we will process those signals in accordance with applicable law.

Third-party analytics, advertising, or social-media providers may also collect information about your online activity according to their own privacy practices.

California law specifically requires commercial websites collecting information from Californians to disclose their online-tracking practices and how they respond to Do Not Track mechanisms.

10. Email Communications

If we send commercial or promotional email, you may unsubscribe through the method provided in the communication or by contacting:

info@sterlingarcgroup.com

We may continue to send necessary transactional, service, regulatory, policy, or relationship communications when permitted by law.

U.S. CAN-SPAM rules require commercial email to provide a functioning method to opt out of future promotional messages, honor valid opt-out requests within the legally required period, and include a valid physical postal address in covered commercial email. We maintain our mailing address in this Privacy Policy and may also provide it in commercial email communications.

11. Telephone and Text Communications

If you provide a telephone number, we may contact you regarding an inquiry, appointment, insurance request, application, or existing relationship.

Marketing text messages or automated marketing communications will be sent only where appropriate consent has been obtained or another lawful basis exists.

Consent to receive marketing texts is not intended to be a condition of purchasing insurance.

Where applicable, you may revoke consent to marketing text messages by following the instructions provided in the message, including replying STOP, or by contacting us.

If we make WhatsApp or another third-party messaging service available and you choose to communicate with us through that service, the platform provider may process account, device, usage, and message-related information under its own privacy terms. We do not require you to use a third-party messaging platform to request insurance information.

Federal TCPA/FCC rules impose consent requirements on certain automated or prerecorded marketing calls and text messages and recognize consumers’ right to revoke consent.

Artificial Intelligence and Automated Communications

Sterling Arc Group may use artificial intelligence, automated systems, or voice technologies to assist with customer-service workflows, lead follow-up, scheduling, message handling, or communications when these tools are implemented and permitted by applicable law. These technologies may operate through or in connection with our customer relationship management (CRM) system and approved service providers.

Where a communication uses an artificial or prerecorded voice, automated dialing functionality, or another technology for which consent is legally required, Sterling Arc Group will seek the applicable consent before using that technology. Consent to receive automated, artificial-voice, or AI-assisted marketing communications is not a condition of purchasing any insurance product or service.

You may revoke consent or ask us to stop applicable automated or marketing communications at any time using the opt-out method provided in the communication, by replying STOP where supported, or by contacting us. We may retain limited suppression or opt-out information as necessary to honor your request.

AI-assisted systems are intended to support communications and administrative workflows. They are not intended to make a final insurance underwriting decision, guarantee eligibility, bind coverage, provide legal or tax advice, or replace carrier underwriting, licensed-agent review, or other required human or carrier determinations.

12. Insurance and Financial Privacy

Insurance activities can be subject to additional federal and state privacy requirements.

The Gramm-Leach-Bliley Act and state insurance-privacy rules regulate certain nonpublic personal information collected in connection with financial and insurance relationships.

When you become an applicant, policyholder, customer, or consumer in connection with an insurance transaction, you may receive additional privacy notices from Sterling Arc Group, an insurance carrier, an enrollment platform, a financial institution, or another regulated participant in the transaction. Where a separate notice is legally required, that notice may contain additional rights, disclosures, limitations on information sharing, or opt-out instructions that apply to the relevant relationship.

Those notices may describe:

• Nonpublic personal financial information.
• Insurance application information.
• Information-sharing practices.
• Consumer choices.
• Information-security practices.

This website Privacy Policy does not replace any separate privacy notice required under applicable insurance or financial-privacy law.

13. Health Information and HIPAA

Health-related information deserves additional protection.

HIPAA applies to defined covered entities and business associates; it does not automatically apply to every business that receives information concerning health.

Accordingly, you should not assume that information sent through an ordinary website form is protected health information under HIPAA.

Please do not transmit detailed medical records, Social Security numbers, health-insurance identification numbers, or similarly sensitive documentation through a standard contact form unless specifically instructed to use a secure method.

Where Sterling Arc Group is required by law or contract to comply with HIPAA or other health-information protections for a particular transaction, we will handle applicable information accordingly.

14. Consumer Health Data

Certain states provide additional protections for consumer health data that may fall outside HIPAA.

For example, Washington’s My Health My Data Act regulates certain collection and sharing of consumer health data and may require a separate Consumer Health Data Privacy Policy for entities subject to the law.

If Sterling Arc Group engages in activities that require a separate state-specific consumer-health-data notice, that notice will be provided separately and will govern the applicable information.

We do not sell consumer health data as part of our ordinary business model.

15. Information Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information appropriate to the sensitivity of the information involved.

These measures may include:

• Access restrictions.
• Authentication controls.
• Secure systems and service providers.
• Appropriate encryption or secure transmission technologies.
• Data minimization.
• Security monitoring.
• Employee or contractor access controls.
• Vendor-management practices.

No internet transmission, computer system, or method of electronic storage can be guaranteed to be completely secure.

Accordingly, we cannot guarantee absolute security.

Florida law requires covered entities handling qualifying personal information to take appropriate measures and imposes breach-notification obligations when qualifying security breaches occur.

16. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected or as required or permitted by applicable law.

Retention considerations can include:

• Duration of an insurance application.
• Customer or policy relationship.
• Carrier or regulatory requirements.
• Insurance record-retention requirements.
• Legal obligations.
• Dispute or claims periods.
• Fraud prevention.
• Tax and accounting requirements.
• Security requirements.
• Consumer privacy requests.

Information may be deleted, anonymized, or archived when it is no longer reasonably necessary, subject to legal and regulatory requirements.

Marketing opt-out information may be retained as necessary to ensure that the opt-out remains honored.

17. Your Privacy Rights

Depending on your state of residence, the type of information involved, and whether a particular privacy law applies to Sterling Arc Group, you may have rights concerning your personal information.

These may include the right to:

• Confirm whether personal information is processed.
• Request access to personal information.
• Request correction of inaccurate information.
• Request deletion of certain information.
• Obtain a portable copy of certain information.
• Opt out of certain sales or sharing.
• Opt out of targeted advertising.
• Limit certain uses of sensitive personal information.
• Withdraw consent where processing depends on consent.
• Appeal certain privacy-request decisions.
• Receive equal service without unlawful discrimination for exercising privacy rights.

These rights are subject to exceptions.

For example, we may be required to retain information to comply with insurance, financial, regulatory, fraud-prevention, contractual, or legal obligations.

18. How to Exercise a Privacy Right

To submit a privacy request, contact:

Email: info@sterlingarcgroup.com
Phone: +1 (754) 241-9294

or write to:

Sterling Arc Group
Attn: Privacy Request
3275 W Hillsboro Blvd, Suite 309
Deerfield Beach, FL 33442
United States

Please clearly identify the type of request.

We may take reasonable steps to verify your identity before fulfilling a request in order to protect personal information from unauthorized disclosure.

Where permitted by law, an authorized agent may submit a request on your behalf, subject to appropriate verification.

We will respond within the period required by applicable law.

19. California Privacy Disclosures

If you reside in California, additional privacy protections may apply.

California’s Online Privacy Protection Act requires qualifying commercial websites that collect personally identifiable information from California consumers to conspicuously maintain a privacy policy addressing their information practices.

If Sterling Arc Group is subject to the California Consumer Privacy Act, as amended by the California Privacy Rights Act, applicable California consumers may have rights including:

• The right to know.
• The right to access.
• The right to delete.
• The right to correct.
• The right to opt out of sale or sharing.
• The right to limit certain uses or disclosures of sensitive personal information.
• The right not to receive discriminatory treatment for exercising applicable rights.

California’s privacy authorities also require a Notice at Collection for businesses subject to the CCPA before or at the point covered information is collected.

Certain information regulated by other financial or insurance privacy laws may be exempt from some provisions of the CCPA.

Sterling Arc Group does not sell personal information for monetary consideration as part of its ordinary business model.

20. Children’s Privacy

Our website and insurance services are intended for adults and are not directed to children under 13.

We do not knowingly collect personal information directly from children under 13 through the website without legally required parental consent.

COPPA imposes specific requirements on websites or online services directed to children under 13 or that knowingly collect personal information from children under 13.

A parent or legal guardian may provide information concerning a minor when reasonably necessary for an insurance inquiry, beneficiary designation, family application, or other legitimate insurance purpose.

If you believe a child has submitted personal information directly to us improperly, contact:

info@sterlingarcgroup.com

21. Third-Party Websites and Services

Our website may contain links to:

• Insurance carriers.
• HealthCare.gov.
• Medicare.gov.
• Government agencies.
• Enrollment platforms.
• Scheduling services.
• Social-media platforms.
• Professional resources.
• Other external websites.

Sterling Arc Group does not control the privacy practices of independent third parties.

When you leave our website, the third party’s privacy policy applies to information collected by that organization.

We encourage you to review the privacy policy of any third-party service before providing personal information.

22. Social Media

Sterling Arc Group may maintain pages or profiles on social-media platforms.

Information you provide directly to a social-media platform is governed by that platform’s privacy policy.

Interactions with our social-media profiles may also make certain information visible to Sterling Arc Group and other users depending on your account settings.

23. International Visitors

Sterling Arc Group’s website is primarily intended for individuals seeking information about insurance and related services in the United States.

If you access the website from outside the United States, information may be transferred to and processed in the United States and in other locations where our service providers operate.

Our insurance services are primarily intended for U.S.-based insurance needs and are subject to U.S. licensing and product-availability requirements. We do not represent that every product or service described on this website is available to a person located outside the United States.

If applicable privacy law outside the United States, including the GDPR, applies to a particular processing activity because of the circumstances of the interaction, we will process applicable personal data subject to the rights and requirements that cannot lawfully be excluded. Mere access to the website from another country does not, by itself, expand the availability of our insurance products or services.

24. Changes to This Privacy Policy

We may update this Privacy Policy to reflect:

• Changes in our services.
• Changes in technology.
• New website functionality.
• Changes in service providers.
• Changes in privacy laws or regulations.
• Changes in our information practices.

When we make material changes, we will update the Last Updated date at the top of this page and provide additional notice when required by law.

We encourage visitors to review this Privacy Policy periodically.

25. Contact Us

Questions about this Privacy Policy or our privacy practices may be directed to:

Nicoletta Catalucci
Sterling Arc Group

3275 W Hillsboro Blvd, Suite 309
Deerfield Beach, FL 33442
United States

Email: info@sterlingarcgroup.com
Phone: +1 (754) 241-9294

Important Regulatory Notice

Sterling Arc Group provides insurance-related education and services subject to applicable insurance licensing and regulatory requirements.

This Privacy Policy describes Sterling Arc Group’s general website privacy practices and does not replace any additional privacy, security, disclosure, or consumer notice required by an insurance carrier, government program, financial institution, enrollment platform, or applicable insurance or financial-privacy law.