Terms of Use

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE. Your use of this site (the “Sterling Website” or “Website”) is expressly conditioned on your acceptance of the terms, conditions, and notices contained herein (the “Terms of Use”). If you do not agree to any part of these Terms of Use, please do not use the Sterling Website. Sterling Casualty Insurance (“Sterling”, “we” or “our”) means Sterling Casualty Insurance Company and its affiliates. Sterling may modify any part of these Terms of Use at any time, without notice to you. Your continued use of the Sterling Website will constitute your acceptance of any posted modifications to the Terms of Use.

Conditions of Use

By using this website belonging to Sterling Casualty Insurance Company (hereinafter, “Sterling”), you agree to the following terms and conditions. These terms and conditions may be revised at any time. You are bound by any such revisions if you continue to use the website after we have posted the changes. We suggest that you periodically visit this page to review the most recent Terms and Conditions. If you decide to purchase insurance products or services from Sterling, the terms and conditions specified in your policy or agreement with Sterling will apply. Sterling owns and retains all intellectual property rights related to this website.

Links to Other Websites

This website is hyperlinked to other websites which are not maintained or controlled by Sterling. Sterling is not responsible for the content of those websites. The inclusion of any hyperlinks to such websites does not imply approval of or endorsement by Sterling of those websites or their content. We recommend that you read the privacy policies and user agreements of these sites. If you have difficulty linking to any hyperlinked websites or reporting a dead (non-working) link, please contact us.

Privacy Policy

Our Privacy Policy describes our use and protection of nonpublic personal information and will help you understand how we treat information that we obtain from you or other sources in the course of providing you with products and services. Please review our Privacy Policy which describes Sterling’s practices regarding personal information we may receive from the Website.

Restrictions on Use of Materials

This website is owned and operated by Sterling Casualty Insurance Company. Except as otherwise expressly permitted in writing by Sterling, no materials from this website or any website owned, operated, licensed or controlled by Sterling may be copied, reproduced, republished, uploaded, posted, transmitted, hyperlinked, or distributed in any way. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this website’s content or frame this website within any other website without obtaining prior written permission from Sterling. Systematic retrieval of data or other content from this website to create or compile, directly or indirectly, a collection, compilation, database or directory, without the prior written permission from Sterling is prohibited.

TRADEMARKS

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trademarks or service marks ("Marks") of Sterling or third parties and used under license by Sterling. Your use of this Website does not grant you any express or implied right, title, or interest in, or any license to reproduce or otherwise use, the Marks, without the prior written consent of Sterling.

Disclaimer

The information and content contained on our website are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service offered by Sterling, but are provided for general informational purposes, and should not be construed as advice. The website and the content of any information or service contained therein are provided on an “as is,” “as available” basis.

Sterling makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes.

Sterling expressly disclaims all warranties, express or implied, with respect to this website including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Sterling does not warrant that the website will operate error-free or is free from viruses, worms, Trojan horses or other destructive or harmful codes.

Sterling also assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.

Limitation of Liability

Sterling shall not be liable for any damages or injuries that accompany or result from your use of its website. These include (but are not limited to) damages or injury caused by any: (1) use of (or inability to use) the website; (2) use of (or inability to use) any website to which you hyperlink from its website; (3) failure of performance; (4) error; (5) omission; (6) interruption; (7) defect; (8) delay in operation or transmission; (9) computer virus; or (10) line failure. Sterling is not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Also, except as provided below, we are not liable even if we have been negligent or if our authorized representative has been advised of the possibility of such damages, or both.

However, in certain states where the law may not allow us to limit or exclude liability for these incidental or consequential damages, the above limitation may not apply, and you may have the right to recover these types of damages. In any event, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory, will not be greater than the amount you have paid to access our website.

Jurisdictional Issues

Sterling makes no representation that all insurance products and services on this website are appropriate or available for use in your state. Some insurance products and services may not be available in all states or jurisdictions. If you choose to access this website you do so on your own initiative and are responsible for compliance with any local, state and federal laws. The information contained on this website is not an offer to sell, or a solicitation to buy, any insurance product or service. No insurance product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction. Use of this site will be governed and construed in accordance with the laws of the State of California without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of the courts of Orange County, California.

GOVERNING LAW/ENFORCEABILITY

Use of this Website shall be governed by and construed in accordance with the laws of the State of California without giving effect to any principles of conflicts of laws. Any dispute shall be subject to the exclusive venue of a court of competent jurisdiction in Orange County, California. Should any provision of these Terms of Use be deemed invalid, unlawful or unenforceable, then the same shall be severable from the remaining provisions, and the remaining provisions shall remain in full force and effect.

VISITOR SUBMISSIONS

By submitting information or materials to the Sterling Website (aside from personal information subject to our Privacy Policy), you grant Sterling a perpetual, irrevocable, unrestricted, worldwide, royalty-free license to use, modify, publish, or disclose such information and materials at Sterling’s discretion. Uploading, transmitting, or submitting any emails, information, or materials through the Sterling Website that are in any way unlawful, tortious, libelous, infringing, false, misleading, obscene or otherwise offensive, is expressly prohibited.

USE OF THIS WEBSITE BY MINORS

Sterling does not intend to market or offer any products or services to minors. Sterling does not seek to, nor do we knowingly collect, personal information directly from children under the age of 16.