These Terms and Conditions apply between you, the user of this Website, and Sternwake LLC, a limited liability company organized in Iowa, USA, located in Johnston, Iowa. By accessing or using this Website, you agree to be bound by these Terms and Conditions. If you do not agree, you must not use this Website. These Terms should be read alongside our Privacy Policy, available at https://sternwake.com/privacy-policy.
1. Definitions and Interpretation
In these Terms and Conditions, the following definitions apply:
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.
Content
All text, graphics, data, forms, checklists, market commentary, underwriting-support materials, reports, and other materials displayed on or made available through the Website.
Services
Insurance brokerage services, including intake, exposure review, application support, submission preparation, market engagement, quote comparison, placement support, and coverage-servicing activities. Services do not include technology products unless separately agreed in writing.
User / you
Any person who accesses or uses the Website.
Website
https://sternwake.com and any associated sub-domains unless expressly excluded.
2. Scope of These Terms
These Terms and Conditions govern:
Your access to and use of the Website
Informational content provided on the Website
Pre-contractual interactions, including enquiries, quote requests, application support, and brokerage discussions
These Terms do not constitute a binding insurance policy, binder, agency appointment, brokerage agreement, or engagement letter. Any insurance placement or services will be subject to separate written terms, carrier requirements, applicable insurance law, and policy documents.
3. About Sternwake
Sternwake LLC operates this Website and provides insurance brokerage services. Sternwake LLC is licensed as an insurance producer in Iowa (NPN 22254532). Producer Daniel Lanchoney is licensed all-states/all-lines. Where required, coverage outside Iowa is placed via appropriately licensed producers and wholesale/E&S partners.
4. Use of the Website
You agree that you will not:
Use the Website for any unlawful or fraudulent purpose
Attempt to gain unauthorised access to systems or data
Interfere with the security, availability, or performance of the Website
Copy, scrape, or reverse engineer any part of the Website or Content
We reserve the right to suspend or restrict access to the Website at any time without notice.
5. Intellectual Property
All intellectual property rights in the Website and Content are owned by or licensed to Sternwake LLC or its licensors. Nothing in these Terms grants you any licence or right to use Sternwake’s intellectual property except for personal, non-commercial viewing of the Website. You may not reproduce, distribute, modify, or create derivative works without prior written consent.
6. No Professional Advice
All Content provided on the Website is for general informational purposes only. Nothing on the Website constitutes:
Legal advice
Regulatory advice
Tax, accounting, financial, actuarial, or investment advice
A recommendation to purchase any specific insurance policy
A guarantee of coverage, premium, claims outcome, compliance, risk reduction, or insurability
Insurance terms are governed solely by the applicable policy, endorsements, binder, carrier quote, and written agreements. You should obtain independent professional advice before acting on any information provided.
7. Insurance Brokerage Services
Any quote request, application support, coverage review, market engagement, or brokerage service referenced on the Website:
Is preliminary and informational until confirmed in writing
May be subject to eligibility, underwriting, licensing, carrier appetite, wholesale access, and regulatory requirements
Does not bind coverage unless confirmed through proper written binder or policy documentation
May involve admitted and E&S markets through licensed producers and wholesale partners
Sternwake LLC may modify, withdraw, or limit services where required by law, licensing, market access, or carrier requirements.
8. Accuracy and Availability
While we make reasonable efforts to keep Website Content accurate, we do not guarantee that:
The Website or Content will be error-free or up to date
Any coverage descriptions, underwriting considerations, risk examples, or market commentary are complete or exhaustive
Any insurer will offer a quote or bind coverage
The Website will be uninterrupted or available at all times
Content may be changed or removed without notice.
9. Limitation of Liability
To the fullest extent permitted by applicable law:
Sternwake LLC shall not be liable for any indirect, incidental, special, exemplary, punitive, or consequential loss
We shall not be liable for loss of profits, revenue, data, business interruption, or loss arising from reliance on Website Content
We shall not be liable for carrier underwriting decisions, premium changes, claim determinations, declinations, exclusions, or coverage terms
Nothing in these Terms excludes liability that cannot be excluded under applicable law.
10. Third-Party Links
The Website may contain links to third-party websites.
We have no control over and accept no responsibility for the content, privacy practices, or availability of third-party sites.
11. Data Protection
Personal information collected through the Website is processed in accordance with our Privacy Policy. For insurance brokerage purposes, information may include nonpublic personal information used to obtain quotes, compare terms, place coverage, service policies, and meet legal or regulatory obligations.
12. Termination
We may terminate or suspend access to the Website at any time without notice if you breach these Terms or misuse the Website.
13. Assignment
You may not assign or transfer your rights under these Terms. We may assign or transfer our rights and obligations as part of a corporate restructuring, reorganization, sale of business, merger, or transfer of insurance brokerage operations, subject to applicable law.
14. Severability
If any provision of these Terms is found to be unlawful, invalid, or unenforceable, that provision shall be deemed severed and the remainder shall continue in full force.
15. No Waiver
No failure or delay by Sternwake LLC to exercise any right shall constitute a waiver of that right.
16. Governing Law and Jurisdiction
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Iowa, USA, without regard to conflict-of-law principles. Subject to any mandatory insurance-law venue or regulatory requirements, the state and federal courts located in Iowa shall have jurisdiction over disputes arising in connection with these Terms.
17. Changes to These Terms
We may update these Terms from time to time. Changes will be posted on this page and take effect immediately upon publication.
Your continued use of the Website constitutes acceptance of the updated Terms.
18. Contact Details
If you have any questions about these Terms and Conditions, please contact:
Sternwake LLC
Johnston, Iowa, United States
Email: info@sternwake.com
