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.