Privacy Policy.

This policy explains how Stern Risk Partners, LLC (“Stern Risk Partners,” “we,” “us”) handles information collected through this website, sternrisk.com (the “Site”).

It does not cover information we receive while providing insurance brokerage, captive management or other services to clients, which is governed by our client agreements and applicable insurance law. It also does not cover websites we link to, including HO4 Verify (ho4verify.com), where residents upload proof of coverage. Those sites have their own privacy policies.

When you use our contact form, we collect the information you enter: your name, email address, phone number (optional), company or community name, organization type, the topic you are interested in, and your message.

We use this information to respond to you and to follow up about your inquiry. Inquiries from prospective partners are emailed to our team; messages from residents are delivered to our support inbox. If you contact us by phone or email directly, we handle that information the same way.

We use PostHog, an analytics service, to understand overall traffic to the Site. We have configured it to be privacy-preserving:

• No cookies or browser storage. Our analytics do not place cookies or store identifiers on your device.
• Aggregate visitor counts. Visitors are counted using a one-way hash that is generated on PostHog’s servers and changes daily, so we cannot recognize you across days or link your visits to your identity.
• Limited events. We record pages viewed, the referring website, general browser and device type, approximate location (such as country or region), clicks on buttons and contact links, use of interactive tools on the Site (such as the profit calculator), whether a contact form submission succeeded, and technical error reports.
• No recordings or form contents. We do not record sessions, keystrokes or mouse movement, and we never send what you type into a form to our analytics provider.

We use this information only to measure and improve the Site. We do not use it to build profiles of individuals or for advertising.

We do not use cookies for analytics or advertising. Some services that help run the Site receive technical information, such as your IP address and browser type, when your browser connects to them:

• Cloudflare hosts the Site and protects it from abuse. On the contact page, Cloudflare Turnstile checks technical signals from your browser to tell people apart from automated spam.
• Google Fonts delivers the typefaces used on the Site.
• YouTube hosts the video on our Integrations & Technology page. We embed it in YouTube’s privacy-enhanced mode, but YouTube may store information on your device if you play the video.

We do not sell personal information, and we do not share it for targeted or cross-context behavioral advertising.

We share information only with service providers that process it on our behalf to run the Site and respond to you: Cloudflare (hosting and security), Front (email and inbox management), and PostHog (analytics), along with the services described above. We may also disclose information when required by law, to protect our rights or the safety of others, or in connection with a merger, acquisition or sale of our business.

We keep contact form messages for as long as needed to respond to you and to maintain our business records, and then delete them in line with our record-keeping practices. Analytics data is kept in aggregate form for reporting.

We use reasonable administrative, technical and physical safeguards to protect information. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

You may ask us to tell you what personal information we hold about you, to correct it, or to delete it. Depending on where you live, you may have additional rights under state law. To make a request, contact us using the details below. We will respond within the time the law requires and will not treat you differently for making a request. We may need to confirm your identity before acting on it.

Because we do not sell or share personal information or use it for targeted advertising, the Site does not change its behavior in response to Do Not Track or Global Privacy Control signals.

The Site is intended for businesses and adults. We do not knowingly collect personal information from children under 16.

We may update this policy from time to time. When we do, we will post the new version here and change the effective date above.

For questions about this policy or to make a privacy request, use our contact form, call us at 720-759-9090, or write to us: