Terms of Service

1. Acceptance of Terms

This website is operated by O'Neill Capital Inc. (DBA Sterling Crest Financial) ("Company," "we," "our," or "us"). By accessing or using our website and services, you ("you" or "User") agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use our website or services.

2. Description of Services

O'Neill Capital Inc., doing business as Sterling Crest Financial, is a commercial insurance brokerage that provides insurance consulting, risk assessment, and policy placement services. Our website serves as an informational resource and lead capture platform to connect businesses with our insurance professionals.

3. Use of Website

You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to our systems or networks
• Transmit any harmful, threatening, or objectionable content
• Use automated systems to scrape or extract data from our website
• Interfere with or disrupt the website or its infrastructure

4. Communications and Consent

When you request a consultation, O'Neill Capital Inc. (DBA Sterling Crest Financial) may contact you to fulfill that request. Providing contact information, submitting a form, or using our chat widget does not by itself provide SMS marketing or service-text consent.

• Phone Calls: When you book a phone consultation, we will call you at the number provided for that consultation.
• SMS/Text Messages: Our booking form offers separate, optional, unchecked choices for service texts about your consultation, appointment reminders, and policy-related support, and marketing texts about insurance products and offers, including automated texts. Selecting one does not select the other. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for help.
• Emails: If you provide an email address, we may send your calendar invitation and respond to your requested consultation.

SMS consent is not a condition of purchase or booking. You can book without selecting either SMS checkbox. Mobile information and SMS opt-in consent will not be shared with third parties or affiliates for their marketing or promotional purposes. You may revoke consent by replying STOP or contacting us.

5. No Insurance Advice

The information provided on this website is for general informational purposes only and does not constitute insurance advice, a quote, or an offer of coverage. Actual coverage is subject to the terms, conditions, and exclusions of each individual policy. Please consult directly with one of our licensed professionals for advice tailored to your specific situation.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of O'Neill Capital Inc. (DBA Sterling Crest Financial) or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

7. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, O'Neill Capital Inc. (DBA Sterling Crest Financial) shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website or services, regardless of the theory of liability.

9. Indemnification

You agree to indemnify, defend, and hold harmless O'Neill Capital Inc. (DBA Sterling Crest Financial), its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of the website or violation of these Terms.

10. Third-Party Services

Our website may integrate with third-party services, including chat widgets, analytics tools, and communication platforms. Your use of these third-party services is subject to their respective terms and privacy policies. We are not responsible for the practices of third-party service providers.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which O'Neill Capital Inc. operates, without regard to its conflict of law provisions.

12. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes constitutes acceptance of the revised Terms.

13. Contact Us

If you have questions about these Terms of Service, please contact us: