Privacy Policy Revised 08/01/2025

At Soo Hoo Insurance, A Division of Sterling Insurance Group, your privacy is important to us. We are committed to protecting your personal information and handling it with care and responsibility. This notice outlines how we collect, use, and safeguard your information.

What We Collect
We collect personal information necessary to provide insurance services and manage your policies. This may include:

• Name, address, phone number, and email

• Date of birth, marital status, and family member details

• Driver’s license number and social security number

• Insurance coverage, payment history, and claims information

• Credit information and motor vehicle/driving records

We obtain this information directly from you, your application materials, and third-party sources as permitted by law.

How Your Information Is Used and Shared
We use your information only for legitimate business purposes, such as:

• Quoting and placing insurance policies

• Servicing your policies and processing claims

• Complying with legal and regulatory obligations

• Conducting internal audits and business operations

• Marketing relevant services offered by Sterling Insurance Group

We may share your information with:

• Insurance companies involved in underwriting or servicing your policies

• Independent adjusters or claim representatives

• Service providers such as billing processors, marketing partners, or IT vendors

• Government agencies or legal authorities when required by law

• Your agent, broker, or other parties acting on your behalf

We do not share your information with unrelated third parties for their independent marketing purposes.

How We Protect Your Information
We maintain strict physical, electronic, and procedural safeguards to protect your personal data. Access to sensitive information is restricted to trained employees who need it to perform their duties. Each team member signs a confidentiality agreement and receives training on data privacy and security.

SMS Compliance
By opting in to receive SMS messages from Sterling Insurance Group, you agree to the following terms:

• Information Collection: We may collect your mobile number and other contact information to provide updates, reminders, and promotional offers.

• Message Frequency: You will receive up to 20 messages/month, depending on your preferences.

• Fees Disclosure: Message and data rates may apply based on your mobile carrier’s plan.

• Opt-Out: You can opt out of receiving SMS messages at any time by replying STOP to any message.

• Support: For assistance, reply HELP or contact us directly using the contact information below.

• Third-Party Sharing: Your mobile number will not be shared, sold, or disclosed to third parties without your explicit consent, except as required to deliver the services requested. SMS opt-in or phone numbers for the purpose of SMS are not being shared with any third party and affiliate company for marketing purposes.

• Complaints:
  If you believe you have received SMS messages in error or have concerns about our SMS practices, you can file a complaint by:

• Emailing us at ask@insurewithsterling.com with the subject line “SMS Complaint.”

• Contacting our customer support team at 508-687-2750.

We take complaints seriously and will investigate and resolve your concerns promptly, typically within five business days.

Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website or provided upon request. You may contact us at any time for the most current version.

If you have any questions about our privacy practices, please contact us at:

Soo Hoo Insurance, A Division of Sterling Insurance Group
📧 info@soohooinsurance.com
📞 (617) 338-8168
📬 123 Beach St, Boston MA 02111

Compensation Disclosure Revised 08/01/2025

At Soo Hoo Insurance, A Division of Sterling Insurance Group, we are committed to honesty, transparency, and the highest standard of service. We believe that our clients deserve to understand how we are compensated for the services we provide.

We work with a broad range of competitive insurance carriers, allowing us to offer coverage options tailored to your specific needs. Placement of coverage is always based on the suitability of the policy and the competitiveness of pricing — never on compensation incentives.

Sterling Insurance Group may receive compensation in the following ways:

1. Policy Commissions: Most of our compensation comes from commissions paid by insurance carriers. These commissions are typically a percentage of your policy premium and are included in the premium you pay. They are not additional charges and are filed and approved by state insurance departments. These commissions do not influence our decision in recommending one carrier over another.

2. Contingent Compensation (Bonuses or Incentives): We may also receive performance-based compensation from insurers. This can be based on factors such as premium volume, policy retention, loss ratios, and overall profitability. These arrangements reward long-term agency performance and are not tied to individual policy placement decisions.

3. Interest Income: For certain policies billed through our agency ("agency-billed" policies), we may temporarily hold premium payments before remitting them to insurers. In such cases, Sterling may earn interest on these funds.

4. Marketing or Business Development Support: Insurance carriers may reimburse Sterling for expenses related to marketing, advertising, product training, or promotional events. These reimbursements are never tied to specific policies and are used to help us provide better service and education to our clients.

5. Administrative Fees: For agency-billed policies, an administrative fee may be applied at binding to support the servicing, billing, and management of your coverage. This fee, when applicable, will be noted on your invoice and is separate from the policy premium.

6. Other Professional Service Fees: In limited situations, Sterling may charge additional fees for specific professional services beyond standard policy placement or servicing. Any such fees will be disclosed to you in advance.

If you ever have questions about how we are compensated — including commissions, fees, or other income — we encourage you to ask your Sterling Insurance Group representative. We value your trust and are happy to provide detailed explanations.

隱私政策
修訂日期：2025年8月1日

在Sterling 保險集團，我們非常重視您的隱私。我們承諾保護您的個人資訊，並以謹慎和負責任的態度處理。本通知說明我們如何收集、使用及保護您的資訊。

我們收集的資訊
我們會收集提供保險服務及管理您保單所需的個人資料，這可能包括：

• 姓名、地址、電話號碼及電子郵件

• 出生日期、婚姻狀況及家庭成員資料

• 駕照號碼及社會安全號碼

• 保險保障、付款紀錄及理賠資訊

• 信用資料和機動車/駕駛記錄

我們直接從您、您的申請材料及在法律允許下的第三方來源取得這些資訊。

您的資料如何使用及分享
我們僅將您的資訊用於合法的商業目的，例如：

• 保險報價及承保

• 保單服務及理賠處理

• 遵守法律與監管要求

• 內部審核及營運管理

• 推廣Sterling 保險集團所提供的相關服務

我們可能會與下列單位分享您的資訊：

• 參與您的保單承保或服務的保險公司

• 獨立查勘員或理賠代表

• 服務提供商，如帳單處理商、行銷合作夥伴或資訊技術供應商

• 政府單位或有關機關在法律上要求時的

• 您的保險代理人、經紀人或其他代表您行事的人員

我們不會將您的資料分享給無關的第三方作行銷用途。

我們如何保護您的資訊
我們採取嚴格的實體、電子及程序性保障措施來保護您的個人資訊。只有經過訓練並且有工作需要的員工才可存取敏感資料。每位團隊成員都會簽署保密協議並接受資料隱私和安全的培訓。

SMS 簡訊合規聲明
若您選擇接收 Sterling 保險集團的 SMS 簡訊，表示您同意以下條款：

• 資訊收集：我們可能收集您的手機號碼及其他聯絡資料，以提供更新、提醒及促銷優惠。

• 訊息頻率：您每月最多可收到20則簡訊，具體數量視您的偏好而定。

• 費用說明：依您的電信業者方案，可能產生訊息及數據費用。

• 退訂：您可隨時回覆 STOP 以停止接收 SMS 簡訊。

• 支援：如需協助，請回覆 HELP 或使用下方聯絡方式與我們聯繫。

• 第三方分享：未經您的明確同意，我們不會將您的手機號碼分享、出售或透露給第三方，除非是為了提供您所要求之服務。僅用於 SMS 的手機號碼不會與任何第三方或關聯公司分享，用於行銷目的。

申訴
若您認為錯誤收到 SMS 簡訊，或對我們的 SMS 實務有疑慮，可透過以下方式申訴：

• 寄信至 ask@insurewithsterling.com，主旨註明「SMS 申訴」。

• 電洽客戶服務團隊 508-687-2750。
  我們會認真處理申訴，並通常於五個工作天內調查並解決。

政策變更
本隱私政策可能隨時修訂。所有變更將公布於我們的網站或應您的要求提供。您可隨時與我們聯絡以索取最新版本。

如對我們的隱私實務有任何疑問，請與我們聯絡：
Sterling Insurance Group
📧 info@soohooinsurance.com
📞 (617) 338-8168
📬 123 Beach St, Boston MA 02111

報酬披露
修訂日期：2025年8月1日

在Sterling 保險集團，我們致力於誠信、透明及最高服務標準。我們相信您有權了解我們如何獲得報酬。

我們與多家具競爭力的保險公司合作，依據您的需要提供合適的保障。我們僅根據保單適用性及價格競爭力來安排保障，報酬因素絕不影響我們的建議。

Sterling 保險集團可能透過以下方式獲得報酬：

1. 保單佣金：我們主要收入來自保險公司支付的佣金，通常為您保單保費的一定比例，已含在您的保費中，不會額外收取，並經州保險局核准。佣金不影響我們推薦特定保險公司的決策。

2. 獎勵性報酬（獎金或激勵）：我們可能基於總體績效（如保費總額、保單續保、損失比率及獲利能力）自保險公司獲得獎勵性報酬，這類安排獎勵長期績效，並非針對個別案件。

3. 利息收入：對於由本公司代收費用的某些「代理出帳」保單，在將保費繳付保險公司前，Sterling 可能因此資金暫時獲得利息收入。

4. 行銷或業務發展支援：保險公司可能補助我們的行銷推廣、產品培訓或活動所產生的費用，但不會針對特定保單，且僅用於提升服務或客戶教育。

5. 管理費：對於代理出帳的保單，於簽單時可能收取管理費，用於保險服務、帳務及管理。此費用會於發票中另行說明，並非保費一部分。

6. 其他專業服務費：在少數情形下，我們可能就超出標準業務服務的特定專業服務收取額外費用。所有此類費用均會預先告知您。

如您對我們的報酬方式有任何疑問（包括佣金、費用或其他收入），歡迎隨時向您的 Sterling 保險集團代表查詢。我們重視您的信任，並樂意為您詳細說明。

如果需要格式化、排版或繁體PDF版本，請告知。