Privacy Policy

Effective Date: October 19, 2026

DFB TPA Services LLC, doing business as Stearns HR ("Stearns HR," "we," "us," or "our"), respects your privacy and is committed to handling personal information responsibly.

This Privacy Policy explains how we collect, use, disclose, and protect information through our website, https://stearnshr.com, and related online interactions.

1. Information We Collect

Depending on how you interact with our website, we may collect:

• Name, email address, and telephone number.
• Company name, job title, and business details.
• Information submitted through contact forms, consultation requests, or scheduling tools.
• Communications you send to our team.
• Technical information such as IP address, browser type, device information, and website activity.
• Marketing and communication preferences.

2. How We Use Your Information

We may use collected information to:

• Respond to questions and service inquiries.
• Schedule and manage consultations.
• Provide requested HR and benefits information.
• Communicate about requested services.
• Send marketing communications where permitted.
• Improve website functionality and performance.
• Maintain security and prevent unauthorized use.
• Meet applicable legal and regulatory obligations.

3. Cookies and Analytics

Our website may use cookies and similar technologies to support site functionality, understand visitor activity, measure performance, and improve the user experience.

Depending on the technologies enabled, third-party analytics or advertising providers may also collect information about interactions with our website.

You can manage certain cookies through your browser settings. Where required by applicable law, we will provide additional choices or obtain consent before using non-essential tracking technologies.

4. Email, Telephone, and SMS Communications

If you provide contact information, we may use it to respond to your requests, provide appointment reminders, or communicate about services you have requested.

Promotional messages will be sent only where permitted by law and subject to applicable consent requirements.

You may opt out of marketing text messages by replying STOP and may unsubscribe from marketing emails using the instructions in those messages. Message and data rates may apply.

Mobile information collected for SMS communication, including phone numbers and SMS opt-in consent, will not be shared with third parties or affiliates for their own marketing or promotional purposes. We may share information with service providers solely to facilitate authorized communications.

5. Sharing of Information

We may share personal information with trusted service providers when necessary to support our operations, including:

• Website hosting and technology providers.
• Customer relationship management systems.
• Appointment scheduling platforms.
• Email and SMS communication providers.
• Analytics and website support providers.
• Professional advisers and authorities when required or permitted by law.

These disclosures are limited to legitimate business purposes, subject to applicable contractual and legal requirements.

We do not disclose SMS opt-in consent to third parties for their independent marketing purposes.

6. Employee Benefits and Sensitive Information

Certain HR, insurance, and benefits administration services may involve personal, employment, financial, or health-related information.

This website Privacy Policy primarily addresses general website interactions. Information collected through separate employee benefits platforms, client portals, or administrative services may be governed by additional notices, agreements, and applicable privacy or security requirements, including HIPAA where applicable.

Please avoid submitting sensitive employee records, Social Security numbers, or medical information through general website inquiry forms.

7. Data Security

We use reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, misuse, alteration, and disclosure.

No internet-based transmission or electronic storage system can be guaranteed completely secure.

8. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Policy, maintain business records, resolve disputes, and satisfy applicable legal requirements.

Retention periods may vary depending on the nature of the information and the services involved.

9. Your Privacy Choices

Depending on applicable law, you may have the right to request access to, correction of, or deletion of certain personal information.

You may also request changes to communication preferences or withdraw consent where processing is based on consent, subject to applicable exceptions.

To submit a privacy request, please contact us using the information below. We may need to verify your identity before processing a request.

10. Third-Party Websites

Our website may contain links to external benefits providers, insurance platforms, scheduling systems, or other third-party websites.

Their privacy practices are governed by their respective policies. We encourage you to review those policies before submitting personal information.

11. Children's Privacy

Our public website is intended for businesses and adults seeking HR and employee benefits information. It is not directed toward children under the age of 13.

We do not knowingly collect personal information directly from children under 13 through our general website forms.

12. Changes to This Privacy Policy

We may revise this Privacy Policy to reflect changes in our practices, technology, services, or legal obligations.

Any updates will be posted on this page with a revised effective date.

13. Contact Us

For questions about this Privacy Policy or requests concerning your personal information, please contact:

DFB TPA Services LLC dba Stearns HR
Sterling Heights, Michigan, United States
Phone: (248) 720-5755
Website: stearnshr.com
Contact: Contact Us