Account setup and security records
Account setup stores your submitted profile details, account and card preferences, chosen ID type and review history with your account. Selecting a card does not issue a payment card. Profile approval is separate from identity verification. When secure uploads are enabled, ID photos and a separate selfie are encrypted and stored in private Cloudflare R2 storage for manual review by an authorized administrator. Images are not used for automated face recognition. Uploaded images are scheduled for deletion after 90 days; replaced images are removed sooner. Review decisions and consent history remain with the account. Do not send identity documents through support, email or Telegram. Security records contain account references, event outcomes, approximate country and browser-reported device information for up to 90 days. A daily connection fingerprint helps group repeated denied requests without storing a raw IP in those security records. If enabled, private administrator alerts use Telegram to report an account username and sign-in time or a submission reference, without passwords, verification codes, financial amounts or document contents. Local alert delivery records expire after seven days; Telegram messages are managed separately by the administrator.
Website visits and public support
To understand how the public website is used, we retain page paths, approximate country and browser-reported device information for up to 30 days. Page counts may include automated clients and do not identify a person. We do not store full IP addresses, precise location, URL query strings or passwords in these records. Do Not Track is respected for public-page statistics. Public support conversations are visible only to the browser holding the conversation cookie and authorized administrators, and are deleted after seven days without a message. Browser access lasts up to seven days after opening the conversation. Do not include account credentials, verification codes, card details or identity documents in public enquiries.
1. About these terms
These Terms and Conditions govern access to the Sterling Western banking and investment website, operated under the Sterling Western Financial Group brand. Please read them before registering or using an account. The services currently maintain balances and activity within this website; they do not establish an external bank deposit or brokerage account. Use of the Sterling Western name does not represent banking authorization, broker registration or deposit insurance.
2. Registration and account access
Provide accurate identity and contact information and keep it current. Only use accounts you are authorized to access. Registration, identity verification and feature availability may affect when an account becomes available. Banking and investment profiles may use separate sign-in details. Linking accounts requires verification and your consent; matching profile information alone does not grant access.
3. Protecting your account
Choose a unique password, keep your sign-in details private and sign out on shared devices. Do not share verification codes or give another person access to your session. Report suspected unauthorized access promptly through account support. For your protection, an inactive session may end automatically and require you to sign in again.
4. Balances, transfers and payments
Check the recipient, account number, amount and currency before confirming a transfer or payment. Available balances may differ from total balances because of pending requests, reservations or charges. Requests are subject to the available balance, account status and applicable limits. A submitted request is not necessarily completed; check the final status and reference in your activity. A website confirmation does not by itself establish settlement through an external payment network.
5. Linked accounts, funding and withdrawals
You may link eligible Sterling Western banking and investment profiles after completing the verification steps. A linked investment balance is shown separately and cannot be used directly for bill payments or banking transfers. Move available investment cash to an eligible bank account before using it for banking payments. Funding and withdrawal methods depend on the options available to your account. Review the destination, available amount, charges and request status each time.
6. Investment orders and market information
Review the instrument, buy or sell direction, quantity, quoted price and total before confirming an order. Prices may come from external market-data providers or instruments maintained by the platform. Quotes can change, expire or become unavailable. The review screen explains the quote window and whether an order executes on confirmation or remains pending. Pending orders may reserve cash or units. A completed order cannot be cancelled through the pending-order cancellation control. Trading records on this website change the platform portfolio and do not place a live brokerage order or establish ownership of external securities.
7. Fees and charges
Review the fee schedule and the charges displayed before submitting a request. Transaction, withdrawal and other applicable charges can affect the available balance and reported return. An estimated fee is not necessarily a fee already charged. Consult activity records and confirmations to see the amounts applied, and contact support if a charge appears incorrect.
8. Investment risk and performance
Investment values can rise or fall. Charts, goals, benchmark comparisons and projections are information tools, not personal investment advice or a guarantee of future results. Contributions and withdrawals are separate from investment gains and losses. External market data may be delayed or incomplete, and website portfolio results should not be used to predict real investment outcomes. Investment products are not FDIC-insured deposits.
9. Your information and electronic records
The website processes identity and contact information, account activity and access records to provide its features, verify linked profiles and support account enquiries. Statements, receipts and confirmations are made available electronically where supported. Keep copies of the records you need and check their dates, amounts and references. Website records describe platform activity; they are not proof of externally held funds or securities. Tax-labelled records are not tax-filing documents.
10. Errors, questions and account support
If you notice an unfamiliar transaction, incorrect balance or other account issue, contact account support promptly. Include the relevant date, amount and reference number, but do not send your password. Check the status of an interrupted request before submitting it again. Nothing in these terms limits mandatory consumer protections or any rights to dispute an error that apply under law.
11. Responsible use and service availability
Do not provide fraudulent information, misrepresent account records, access another person’s account without permission, bypass security controls or interfere with the service. Access may be restricted for security concerns, identity checks or suspected misuse. Maintenance, connectivity problems and other interruptions may affect availability. Contact support to ask about access restrictions or to request account closure; pending items may need to be resolved first.
12. Applicable law and changes
These website terms are subject to applicable United States federal and state law. They do not waive mandatory consumer rights, require arbitration or select an exclusive court. The current version and update date appear on this page. Material changes should be made available before they apply; acceptance of this version does not mean acceptance of undisclosed future terms. Contact account support with questions about these terms.