Terms of Service.

i. Business Information

Legal business name: Sterling Claims Group
Domain: sterlingclaimsgroup.com
Email: support@sterlingclaims.net
Telephone: 314-471-3627

Service description: Surplus funds recovery consultation for displaced homeowners, including connection with independent, licensed professionals who handle court representation as required.

ii. Acceptance of Terms

By accessing or using the Sterling Claims Group website (the “Site”) or any of our services, you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use the Site or services.

iii. Services Described

Sterling Claims Group (“Sterling,” “we”) assists former homeowners and their heirs in identifying, documenting, and claiming surplus funds (also called overages or excess proceeds) generated by foreclosure, tax, or similar auction sales. Where court representation is required, Sterling engages licensed counsel admitted in the applicable jurisdiction to act on the client’s behalf.

Sterling itself is not a law firm and does not provide legal advice. Statements on the Site are informational and do not substitute for advice from qualified professionals.

iv. Eligibility

Services are available only to individuals who are at least 18 years of age and legally able to enter binding contracts in their jurisdiction. By using the Site you represent that you meet these requirements.

v. No Attorney-Client Relationship by Submission

Submitting a claim review request, sending an email, or otherwise corresponding through the Site does not by itself create an attorney-client relationship. An attorney-client relationship is formed only upon execution of a written engagement between you and counsel engaged for your matter.

Until such engagement is signed, any information you send to us may not be protected by the attorney-client privilege. Do not send confidential information you would not wish disclosed until an engagement is in place.

vi. SMS / Messaging Program Terms

Program description: Sterling Claims Group sends transactional SMS messages to clients who have opted in via our contact form. Messages include case updates, document notifications, appointment reminders, and account alerts.

Message and data rates may apply.

Message frequency varies based on your case activity.

Customer support:
Email: support@sterlingclaims.net
Telephone: 314-471-3627

Reply STOP to unsubscribe at any time. Reply HELP for assistance.

Our handling of mobile data is governed by our Privacy Policy. SMS opt-in data and consent are never shared with any third parties.

Carriers are not liable for any delayed or undelivered messages.

Consent to receive SMS messages is optional and is not a condition of any purchase or of our services. You may engage Sterling by email or telephone without opting in to SMS.

vii. Fees & Costs

Contingency fee

Sterling’s fee for services is a percentage of funds actually recovered, stated in a written retainer before work begins. The percentage is capped and is the only fee charged for our services. If no recovery is achieved, Sterling charges no fee.

No up-front charges

There are no research fees, consultation fees, filing fees, or administrative fees charged to the client prior to recovery. Out-of-pocket court costs and similar disbursements are advanced by Sterling and reconciled from the recovery at disbursement. If no recovery is achieved, those costs are absorbed by Sterling and are not billed to the client.

Disbursement

Upon recovery, funds are received in trust, net of the agreed contingency fee and any reconciled costs, and promptly transmitted to the client with an itemized statement of account.

viii. No Guarantee of Results

Surplus funds claims are subject to statutes, court procedures, competing claims (including junior lienholders and other interested parties), and judicial discretion. While we work diligently on every matter we accept, we do not and cannot guarantee any particular outcome or amount. Past results do not guarantee future results.

ix. Your Responsibilities

In engaging Sterling, you agree to:

• Provide accurate and complete information
• Confirm that you have the legal authority to make the claim on the property in question
• Cooperate with reasonable requests for documentation and signatures
• Remain responsive to communications from Sterling and from engaged counsel
• Inform us promptly of any correspondence from courts, trustees, or other parties regarding the matter
• Not engage another party to pursue the same surplus funds in parallel without notifying us

x. Intellectual Property

All content on the Site, including text, graphics, logos, and images, is the property of Sterling Claims Group or its licensors and is protected by copyright, trademark, and other applicable laws. You may view and print pages for personal, non-commercial use. Any other use, including reproduction, distribution, or derivative works, requires prior written consent.

xi. Limitation of Liability

To the fullest extent permitted by applicable law, Sterling and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Site or services. In no event shall our aggregate liability exceed the fees actually received by us from you in connection with the matter giving rise to the claim.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

xii. Indemnification

You agree to indemnify and hold harmless Sterling from and against any third-party claims arising out of your breach of these Terms, your violation of law, or your misrepresentation of facts relating to a surplus funds claim.

xiii. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. Any dispute arising under or relating to these Terms shall be resolved, at our election, by binding arbitration administered by a nationally recognized arbitral institution or by a court of competent jurisdiction in Delaware. You waive any objection to venue. Nothing in this paragraph limits either party’s right to seek injunctive relief for misuse of confidential information or intellectual property.

xiv. Changes to These Terms

We may update these Terms from time to time. Revised Terms take effect when posted; material changes will be flagged prominently on the Site. Continued use of the Site after the effective date constitutes acceptance of the revised Terms.

xv. Contact

Sterling Claims Group
Email: support@sterlingclaims.net
Telephone: 314-471-3627