Effective Date: September 14th, 2026
1. Acceptance of Terms
By accessing or using the Sterling LA website, services, forms, or other online resources (collectively, the "Site"), you agree to these Terms & Conditions ("Terms") and our Privacy Policy.
If you do not agree with these Terms, please do not use the Site or our services.
Sterling LA may update these Terms from time to time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
2. About Sterling LA
Sterling LA provides retirement planning, financial education, and consulting services to individuals seeking information and guidance related to retirement planning and related financial matters.
Information provided by Sterling LA is intended for general educational and informational purposes and is not a guarantee of any particular financial result.
Where applicable, specific services may be provided by appropriately licensed or registered professionals or third-party providers.
3. Retirement Consulting and Financial Information
Sterling LA may provide general information, education, consultations, and guidance concerning retirement planning and related financial topics.
Information provided through the Site or during a consultation is based on information available at the time and may not be appropriate for every individual.
You are responsible for evaluating your individual circumstances and obtaining advice from appropriately qualified professionals before making financial, investment, tax, legal, insurance, or retirement decisions.
Sterling LA does not guarantee any specific investment return, income level, retirement outcome, tax result, or financial result.
4. No Guarantee of Results
Past performance or examples of financial outcomes, where provided, are not guarantees of future results.
Any examples, projections, illustrations, estimates, or hypothetical scenarios are provided for informational purposes only and should not be interpreted as a promise or guarantee of future performance or results.
Individual results depend on numerous factors, including financial circumstances, market conditions, investment choices, time horizon, and other factors outside the control of Sterling LA.
5. Appointments and Service Requests
Submitting a request through the Site does not guarantee an appointment, consultation, service, or other engagement.
Appointments are subject to availability and confirmation by Sterling LA.
You agree to provide accurate and complete information when requesting information, scheduling an appointment, or communicating with Sterling LA.
6. Communications
By providing your contact information, you agree that Sterling LA, its authorized representatives, employees, or service providers may contact you regarding inquiries, appointments, requests, and services you have requested.
Communication methods may include email, telephone calls, and text messages where you have provided the appropriate consent.
7. SMS Messaging Terms
If you opt in to receive SMS messages from Sterling LA, you consent to receive non-marketing text messages regarding matters such as:
Appointment reminders
Appointment confirmations
Application or request updates
Customer service communications
Follow-ups
Service updates
Message frequency may vary. Message and data rates may apply.
You may opt out of SMS messages at any time by replying STOP.
After you send STOP, you will receive a confirmation message and will no longer receive SMS messages unless you subsequently provide consent to receive them again.
For assistance, reply HELP or contact us at [email protected].
Consent to receive SMS messages is not a condition of purchasing any goods or services.
SMS consent is optional and is separate from acceptance of these Terms.
8. Mobile Information and SMS Consent
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
Information sharing with subcontractors in support services, such as customer service, is permitted.
Mobile phone numbers and SMS opt-in data and consent will not be sold or rented.
SMS opt-in data and consent will not be shared with third parties for their own marketing or promotional purposes.
SMS opt-in information may be shared with service providers, aggregators, messaging providers, or other vendors only when reasonably necessary to provide, operate, maintain, or support the requested messaging services.
9. Message Delivery
Sterling LA is not responsible for delayed or undelivered messages caused by circumstances outside its reasonable control, including carrier, network, device, or connectivity issues.
Carriers are not liable for delayed or undelivered messages.
10. Products and Services
Sterling LA may offer retirement consulting, financial education, consultations, appointments, educational materials, and other services described on the Site or through other communications.
Availability, pricing, scope, and terms of specific services may vary.
Any engagement requiring additional terms, disclosures, agreements, or documentation will be governed by those additional terms where applicable.
11. Pricing and Payment
Prices for products or services may vary based on the service, scope, and other applicable factors.
Any pricing displayed on the Site is subject to change unless otherwise stated.
Payment terms for specific services will be provided at the time of purchase or engagement.
12. Cancellations and Rescheduling
If you need to cancel or reschedule an appointment, please contact Sterling LA as soon as reasonably possible.
Any applicable cancellation, refund, or rescheduling policies may vary depending on the specific service.
13. Age Requirement
Our services and SMS communications are intended for individuals who are 18 years of age or older. By using this website, submitting a service request, or opting in to receive SMS communications from Sterling LA, you confirm that you are at least 18 years old.
14. User Responsibilities
You agree to provide accurate information when communicating with Sterling LA and to promptly notify Sterling LA if information you have provided changes.
You are responsible for reviewing information provided to you and determining whether a particular service or recommendation is appropriate for your individual circumstances.
15. Website Use
You agree to use the Site only for lawful purposes.
You may not:
Violate applicable laws or regulations
Submit false or misleading information
Attempt to gain unauthorized access to the Site or its systems
Interfere with the operation or security of the Site
Introduce malicious software or harmful code
Use the Site in a manner that could damage, disable, overburden, or impair the Site
16. Intellectual Property
Unless otherwise stated, the content on the Site, including text, graphics, logos, images, videos, documents, and other materials, is owned by or licensed to Sterling LA and is protected by applicable intellectual-property laws.
You may not reproduce, distribute, modify, or commercially exploit Site content without prior written permission.
17. Third-Party Websites and Services
The Site may contain links to third-party websites, platforms, applications, or services.
These links are provided for convenience and do not necessarily constitute an endorsement or sponsorship by Sterling LA.
Sterling LA is not responsible for the content, availability, security, or privacy practices of third-party websites or services.
18. Disclaimer of Warranties
The Site and information provided through the Site are provided on an "as is" and "as available" basis to the extent permitted by law.
Sterling LA does not warrant that the Site will always be available, uninterrupted, secure, or error-free.
Sterling LA does not guarantee any particular financial, retirement, investment, tax, income, or other result.
19. Limitation of Liability
To the maximum extent permitted by applicable law, Sterling LA will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, services, information, or communications.
Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited.
20. Privacy
Your use of the Site is also subject to the Sterling LA Privacy Policy.
The Privacy Policy explains how Sterling LA collects, uses, protects, and discloses personal information.
For privacy-related questions or requests, please contact [email protected].
21. Termination
Sterling LA reserves the right to restrict or terminate access to the Site or services when reasonably necessary, including when a user violates these Terms or uses the Site in a manner that may harm Sterling LA, its customers, its systems, or others.
22. Changes to These Terms
Sterling LA may update these Terms from time to time.
When changes are made, the updated Terms will be posted on this page and the effective date will be updated.
Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
23. Governing Law
These Terms will be governed by and interpreted in accordance with applicable laws governing Sterling LA, without regard to conflict-of-law principles.
24. Contact Us
If you have questions about these Terms & Conditions, please contact us:
Sterling LA
Email: [email protected]