Privacy Policy

Last modified: January 20, 2025

Introduction

Stream Management Co, LLC, DBA The Stream Protection Plan, a Delaware limited liability company ("Company" or "We") respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website https://www.thestreamplan.com (our "Website", and, together with the electronic portal app.thestreamplan.com, the "Sites" – any reference to the Website herein shall be deemed to collectively apply to the Sites as applicable and necessary), and our practices for collecting, using, maintaining, protecting, and disclosing that information. We provide online insurance brokerage, insurance coverage quotes and estimates, and related services (the “Services”) sometimes through our proprietary website and other intellectual property (the “Stream Properties”).

This policy applies to information we collect:

On this Website.
In email, text, and other electronic messages between you and this Website.
Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
It does not apply to information collected by:
Us offline or through any other means, including on any other website operated by Company or any third party; or
Any third party, including through any application or content (including advertising) that may link to or be accessible from or through the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website. We also comply with the Children's Online Privacy Protection Act (COPPA). We do not knowingly collect personal information from children under the age of 18. If you are under 18, do not use or provide any information on this Website or on or through any of its features. If we learn we have collected or received personal information from a child under the age of 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under the age of 18, please contact us at: service@thestreamplan.com

Residents of certain states under 13, 16, or 18 years of age may have additional rights regarding the collection and sale of their personal information. Please see Your State Privacy Rights for more information.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:
By which you may be personally identified, such as name, postal address, email address, telephone number, social security number, or gender, zip code, income, details about your living situation, and general details about your current insurance coverage ("personal information");
That is about you but individually does not identify you; and/or
About your internet connection, the equipment you use to access our Website, and usage details.

We collect this information:

Directly from you when you provide it to us.
Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies. For Visitors that haven't created an account or logged in, “Usage Information” is automatically collected just by using our Sites, which may include information about your IP address, approximate geo-location, access dates and times, hardware and software information, device information, device event information, unique identifiers, crash data, cookie data, and the pages you viewed or engaged with before or after using our Sites.
Usage Information helps us provide, inspect, protect, analyze, and improve our Sites. They help us better understand how you navigate through and interact with the Sites, monitor, and analyze the performance, operation, and effectiveness of our Sites, and are for purposes of our own customer support, analytics, research, product development, and regulatory compliance.

Information You Provide to Us

The information we collect on or through our Website may include:

Form Submission and Registration. Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, subscribing to our service, or requesting further services. We may also ask you for information when you report a problem with our Website. To become a registered user on the Website, you need to create an account on the Sites by voluntarily providing your name, email address, and other information. The personal information you choose to provide to us when you fill in forms on our Sites and add information to your account is shared by you at your sole discretion. If we collect information about You from a third-party platform, we protect and use data in a way governed by the requirements of those third-party platforms often outlined in their relevant terms and conditions or privacy policies.
Contacting Us. Records and copies of your correspondence (including email addresses), if you contact us.
Medical and Financial Information. Medical information on health insurance applications will be collected on the Website. Details of transactions you carry out through our Website and of insurance quoatations provided policie purchased will also be collected. You may be required to provide medical and financial information before sunmitting an application through our Website. This medical and financial information you choose to share with us may be temporarily stored in encrypted form on our platforms’ servers but only for as long as necessary for the purpose of completing your purchase of our Services, and then it is permanently deleted.
Emails and Chats. Visitors and Members may sign up for email newsletters, request more information and email or chat with us on the Sites by providing their name, email address and a message (https://thestreamplan.com/contact-us). In connection with our marketing campaigns, we may also collect and use information about your engagement with our marketing emails (e.g., whether the email was opened) to ensure that the products and services we offer are relevant to you and other consumers. We also use digital information you provide to us to ensure you are happy with our Services and offer you other relevant Services.
Insurance Information. To receive results related to specific insurance policies and/or quotes, you may choose to provide us with additional personal information which may include, and is not limited to your email address, phone number, gender, physical address, zip code, income, details about your living situation, medical information and general details about your current insurance coverage. We use the data you choose to share with us to assist us with providing you with our Services.

Information We Collect Through Automatic Data Collection Technologies.

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to our Website, including traffic data and other communication data and the resources that you access and use on the Website.
Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

Estimate our audience size and usage patterns.
Store information about your preferences, allowing us to customize our Website according to your individual interests.
Speed up your searches.
Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. For information about managing your privacy and security settings for cookies, see Choices About How We Use and Disclose Your Information.

Third-Party Use of Cookies

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

To present our Website and its contents to you.
To provide you with information, products, or services that you request from us.
To fulfill any other purpose for which you provide it.
To provide, improve, maintain, and optimize our Services.
To help underwrite and provide accurate insurance premium rate quotes.
To provide insurers with the required information for applications.
To provide or offer other financial and consumer products and services from partners with whom we have entered into a joint marketing agreement.
To provide you with notices about your account.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
To notify you about changes to our Website or any products or services we offer or provide though it.
In any other way we may describe when you provide the information.
To provide, maintain, and improve customer service.
To tailor your Website experience with the Services relevant to your interests.
To communicate with you regarding the insurance products that you purchased through the Website and other products and/or services that may be of interest to you.
For any other purpose with your consent.

We may also use your information to contact you about our own and third-parties' goods and services that may be of interest to you. If you do not want us to use your information in this way, please adjust your user preferences in your account profile. For more information, see Choices About How We Use and Disclose Your Information.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

To our subsidiaries and affiliates.
To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Stream Protection Plan, LLC's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Stream Protection Plan, LLC about our Website users is among the assets transferred.
To third parties to market their products or services to you if you have not opted out of these disclosures. We contractually require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them. For more information, see Choices About How We Use and Disclose Your Information.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.

We may also disclose your personal information:

To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
To enforce or apply our terms of use and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Stream Protection Plan, LLC, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt out by emailing us at service@thestreamplan.com.
Promotional Offers from the Company. If you do not wish to have your contact information used by the Company to promote our own or third parties' products or services, you can opt out by emailing us at service@thestreamplan.com. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt out does not apply to information provided to the Company as a result of a product purchase, warranty registration, product service experience, or other transactions.
Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers' target-audience preferences, you can opt out by emailing us at privacy@Streamlife.com.

We do not control third parties' collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.

Residents of certain states may have additional personal information rights and choices. Please see Your State Privacy Rights for more information.

If you wish to opt-out of the use of your personal information by our Services, please email us at service@thestreamplan.com and let us know that you wish to opt-out. You may be required to provide identifying information such as your name, policy number and specific services you with to opt out of. Please be ware that certain insurance products require the storage and sharing of your information. If you opt out of allowing us to use certain personal information, we may be unable to offer certain Services to you. You will not be entitles to any refund if you removal of personal information or use of our Website and Services will make certain prepaid plans unavailable to you.

How We Secure Your Information

Information related to customers and your information is stored using encryption and we use additional encryption to secure certain sensitive fields on our databases. Our Sites use HTTPS and SSL protocols, and transmissions from the Sites to our servers use TLS standard encryption or better. Vendors who receive personal information from us are contractually obligated to impose no less than reasonable security measures when handling customer data, and in any case no lesser measures than they use for their own data.

No internet based service can guarantee perfect security. It is your responsibility to be careful about who you share data with, do not share passwords with anyone, do not use unsecure internet connections such as public Wi-Fi to transmit sensitive information or fall for phishing attempts. Though we take commercially reasonable steps to protect your personal information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction, we cannot guarantee perfect security. Despite our security measures, we cannot guarantee the security of our databases or computers, nor can we guarantee that the information you supply will not be intercepted while being transmitted to and from us over the Internet.

Accessing and Correcting Your Information

You can review and change your personal information by logging into the Website and visiting your account profile page.

You may also send us an email at service@thestreamplan.com to request access to, correct, or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including User Contributions, is governed by our Terms of Service.

Residents of certain states may have additional personal information rights and choices. Please see Your State Privacy Rights for more information.

Your State Privacy Rights

State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information.

For more information on your individual state rights, please visit the website of your corresponding state’s office concerning privacy to inquire further.

Visitors Outside of the United States

Stream only offers its Sites and Services for use by U.S. residents. U.S. law and not the laws of other countries, govern these Sites and Services. By default, we disable the submission of personal information to our Sites from Visitors outside of the United States, including any European Union IP addresses, regardless of whether the user is an E.U. citizen or using a VPN device. If you need access to your account and are using an E.U. IP address, please email privacy@Streamlife.com with (1) your name and account number (2) a description of the help you need, and (3) an express consent to use any personal information in our possession to respond to your request. Note we may also verify your request via two factor authentication or a subsequent phone call. We may also have to deny such a request if we cannot verify your identity or determine transferring data may impose too much liability.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users' personal information, we will notify you by email to the primary email address specified in your account and/or through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: service@thestreamplan.com