This Privacy Policy explains how Sternwake LLC, a limited liability company organized in Iowa, USA, located in Johnston, Iowa, collects, uses, shares, and protects information in connection with this Website and our insurance brokerage services. Sternwake LLC is a licensed insurance producer in Iowa (NPN 22254532). This policy is intended to address financial-privacy obligations applicable to an insurance brokerage, including the Gramm-Leach-Bliley Act (GLBA), and should be read with our Terms and Conditions at https://sternwake.com/terms-and-conditions.
1. Definitions and Interpretation
In this Privacy Policy, the following definitions are used:
Nonpublic personal information
Information that identifies, describes, or can reasonably be linked to an individual, business representative, policyholder, applicant, insured, beneficiary, claimant, or related party, including nonpublic personal information collected to request quotes, evaluate coverage, place insurance, service policies, or meet legal obligations.
Cookies
A small text file placed on your computer by this Website when you visit certain parts of the Website and/or when you use certain features of the Website.
Applicable privacy laws
Applicable federal and state privacy, insurance, consumer-protection, cybersecurity, and financial-privacy laws, including GLBA where applicable.
GLBA
The Gramm-Leach-Bliley Act and related financial-privacy rules applicable to financial institutions, including insurance activities where applicable.
Sternwake LLC / we / us
Sternwake LLC, a limited liability company organized in Iowa, USA, located in Johnston, Iowa. Sternwake LLC is a licensed insurance producer in Iowa (NPN 22254532).
Designated producer
Daniel Lanchoney is Sternwake’s designated producer and is licensed all-states/all-lines. Coverage outside Iowa is placed through appropriately licensed producers and wholesale/E&S partners.
User / you
Any person who accesses the Website, contacts us, requests a quote, submits information for coverage review, or otherwise interacts with Sternwake LLC.
Website
The website that you are currently using, https://sternwake.com, and any associated sub-domains unless expressly excluded.
2. Scope of This Privacy Policy
This Privacy Policy applies to information collected through the Website and in connection with Sternwake’s insurance brokerage services. It does not apply to third-party websites, carrier portals, wholesale partner systems, or other sites linked from this Website. Those third parties maintain their own privacy practices.
3. Responsible Entity
Sternwake LLC is responsible for personal information it collects through this Website and for brokerage-service purposes. Where we share information with insurance carriers, wholesale brokers, managing general agents, service providers, or other partners, those parties may process information under their own legal obligations and privacy policies.
4. Information We May Collect
Depending on your interaction with us, we may collect information such as:
Name
Job title and company information
Email address, telephone number, and business contact details
Insurance application information
Current coverage, renewal dates, limits, deductibles, premiums, and claims history
Business operations, revenue, industry, locations, and employee count
Cybersecurity controls, incidents, vendors, systems, and exposure-review information
Financial, contractual, or other underwriting information needed to obtain quotes or place coverage
IP address, browser information, device information, pages visited, and Website usage data
We collect information only as reasonably necessary for Website operation, brokerage services, quote requests, coverage placement, servicing, compliance, security, and related business purposes.
5. How We Collect Data
We collect information in the following ways:
Information you provide directly
Information provided by your representatives, broker, advisors, carriers, or wholesale partners
Information from public, commercial, or insurance-market sources
Information collected automatically when you use the Website
5.1 Data You Provide to Us
For example, you may provide information when you:
Contact us by Website, email, telephone, or other means
Request a quote or coverage review
Complete an insurance application or supplemental questionnaire
Send policies, schedules, contracts, loss runs, or underwriting materials
Authorize us to approach insurance markets on your behalf
Subscribe to updates or other communications
5.2 Data Collected Automatically
When you access the Website, we may automatically collect:
IP address
Browser type and version
Pages visited, time spent, and navigation behavior
Device, referral, and approximate location information
This information helps us maintain Website functionality, security, analytics, and user experience.
6. How We Use Your Data
We may use information for the following purposes:
Responding to enquiries and quote requests
Preparing applications, submissions, and coverage comparisons
Obtaining indications, quotes, binders, policies, endorsements, and renewals
Communicating with carriers, wholesale brokers, managing general agents, E&S partners, and service providers
Servicing policies, assisting with certificates, renewals, audits, and claims-related communications
Meeting legal, licensing, regulatory, accounting, tax, and recordkeeping obligations
Preventing fraud, maintaining security, and protecting our rights
Improving our Website and communications
Sending business updates where permitted by law
We use and share nonpublic personal information only as permitted by applicable law and for legitimate brokerage, servicing, compliance, security, and business purposes.
7. How We Share Information
We may share information with:
Insurance carriers and reinsurers
Wholesale brokers, managing general agents, E&S partners, and market-access partners
Licensed producers involved in placing or servicing coverage
Service providers that support hosting, CRM, communications, analytics, security, accounting, legal, and compliance functions
Your authorized representatives, advisors, or broker of record
Regulators, law-enforcement authorities, courts, or other parties where required or permitted by law
Successors in connection with a merger, sale, restructuring, or transfer of brokerage operations
We do not sell nonpublic personal information. You may contact us at info@sternwake.com with privacy questions or communication preferences.
8. Consumer Choices and Opt-Outs
GLBA and state insurance privacy laws may allow consumers to limit certain sharing of nonpublic personal information. Much of the sharing described in this Policy is necessary to obtain quotes, place coverage, service policies, comply with law, prevent fraud, or operate our business, and may not be subject to opt-out. Where an opt-out or preference right applies, we will honor it as required by law.
To update communication preferences or ask about available privacy choices, contact us at info@sternwake.com.
9. Safeguards
We maintain administrative, technical, and physical safeguards designed to protect nonpublic personal information, including:
Access controls and role-based permissions
Secure systems and reputable service providers
Encryption or secure transmission where appropriate
Employee, contractor, and advisor confidentiality obligations
Recordkeeping, monitoring, and incident-response processes
Vendor review and contractual protections where appropriate
No safeguard can guarantee absolute security, but we work to protect information in a manner appropriate to the sensitivity of the information and our role as an insurance brokerage.
10. Information Retention
We retain information for as long as reasonably necessary for brokerage services, policy servicing, regulatory, licensing, accounting, tax, legal, dispute-resolution, security, and business-continuity purposes. Insurance records may be retained for periods required or permitted by law, carrier requirements, E&O obligations, and ordinary business needs.
When information is no longer needed, we dispose of it in a manner designed to protect against unauthorized access or use.
11. Website Cookies and Analytics
We may use cookies and similar technologies to operate the Website, remember preferences, understand traffic, improve performance, and maintain security.
You can manage or disable cookies through your browser settings. Some Website features may not function properly if cookies are disabled.
If you believe your information has been compromised, please contact us immediately at info@sternwake.com.
12. Children’s Privacy
Our Website and brokerage services are intended for businesses and adults. We do not knowingly collect personal information from children under 13.
13. EU/UK Visitors
If you are located in the EU or UK, GDPR or UK data-protection rights may apply to your personal information. Depending on the circumstances, those rights may include access, correction, deletion, restriction, objection, portability, and the right to lodge a complaint with a supervisory authority.
Those rights apply only where required by EU or UK law and do not change the GLBA-focused nature of this US insurance brokerage privacy policy.
To exercise privacy rights or ask questions, contact info@sternwake.com.
14. Cookies
This Website uses cookies to improve functionality, performance, security, and user experience. You can manage or disable cookies through your browser settings.
Cookie Schedule
We may update the cookies and similar technologies used on the Website from time to time. Contact us if you have questions about cookies or analytics.
Strictly Necessary
We use the following strictly necessary cookies:
15. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page and will take effect immediately upon publication.
Your continued use of the Website constitutes acceptance of the updated Privacy Policy.
16. Contact Us
If you have any questions about this Privacy Policy or how your data is handled, please contact:
Sternwake LLC
Johnston, Iowa, United States
Email: info@sternwake.com
© 2026 Sternwake LLC. All rights reserved.
