Terms of Service

Effective Date: October 19, 2026

Welcome to Stearns HR. These Terms of Service govern your use of https://stearnshr.com and related website features operated by DFB TPA Services LLC, doing business as Stearns HR ("Stearns HR," "we," "us," or "our").

By accessing or using our website, you agree to these Terms. If you do not agree, please discontinue use of the website.

1. Our Services

Stearns HR provides information about human resources, employee benefits, HR compliance, benefits administration, payroll-related solutions, and associated business services.

Information presented on this website is for general informational purposes. Specific services, pricing, responsibilities, and contractual obligations are governed by separate written agreements when applicable.

2. No Professional Advice

Website content does not constitute legal, tax, medical, insurance, or other regulated professional advice. While we strive to provide accurate and current information, regulations and requirements may change.

Consult appropriate qualified professionals regarding your organization's specific circumstances before making compliance, financial, or benefits decisions.

3. Acceptable Website Use

When using our website, you agree not to:

• Engage in unlawful or fraudulent activity.
• Attempt unauthorized access to our systems.
• Disrupt website functionality or security.
• Submit misleading or malicious information.
• Copy or redistribute protected content without permission.

4. Information You Submit

When submitting an inquiry, booking a consultation, or completing a website form, you agree to provide accurate information that you are authorized to share.

Please do not submit Social Security numbers, medical records, detailed health information, or other highly sensitive personal data through general website contact forms unless we explicitly provide an appropriate secure submission method.

5. Communications

By contacting Stearns HR, you authorize us to respond to your inquiry using the contact information you provide. Depending on your selections and applicable consent requirements, communications may include telephone calls, emails, or text messages.

Where marketing communications are offered, any required consent will be obtained separately. Consent to marketing text messages is not a condition of purchasing services. You may opt out of marketing texts by replying STOP or use the unsubscribe instructions provided in applicable emails. Message and data rates may apply.

6. Intellectual Property

Website content, branding, text, graphics, and other materials are owned by Stearns HR or their respective rights holders and are protected by applicable intellectual property laws. Unauthorized reproduction or commercial use is prohibited.

7. Third-Party Services and Links

Our website may link to third-party platforms, insurance carriers, benefits administrators, scheduling services, or other external resources. These services may operate under their own terms and privacy practices.

Stearns HR is not responsible for the content, security, or practices of independently operated third-party websites.

8. Website Availability and Disclaimer

We strive to maintain accurate information and reliable website availability, but we do not guarantee uninterrupted access or that all website information is free from errors.

The website is provided on an "as is" and "as available" basis to the extent permitted by applicable law.

9. Limitation of Liability

To the fullest extent permitted by law, Stearns HR shall not be liable for indirect, incidental, consequential, or special damages arising from your use of, or inability to use, this website.

Nothing in these Terms limits liability that cannot legally be excluded, or overrides a separately executed service agreement.

10. Governing Law

These Terms are governed by the laws of the State of Michigan, United States, without regard to conflict-of-law principles, except where applicable law requires otherwise.

11. Changes to These Terms

We may update these Terms periodically. Changes will be reflected on this page with a revised effective date. Continued use of the website after changes become effective constitutes acceptance of the revised Terms where permitted by law.

12. Contact Information

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