Privacy Policy – FinStream TV

This Privacy Policy applies to your access and use of all products and services that are made available by finStream, Inc. or its affiliates through our websites, including but not limited to www.finstream.io (collectively, the "Site").

This Privacy Policy describes the information that we gather from you, how we use your information, whom we share your information with, and the steps we take to protect your information. By using the Services, you consent to the privacy practices described in this Policy.

Most of our data collection, use, and sharing practices are governed by the Gramm-Leach-Bliley Act.

I. Information We Collect

A. Information We Collect Directly From You

We may collect information directly from you when you use our Services — for example, when you register to become a member, when you request to prequalify for a third-party product or when you fill out forms or other fields on our Site. In such cases, we may ask you to provide us with one or more of the following pieces of information:

Name.
Email address.
Mailing address.
Phone number.
Your third-party financial account information, such as ID and password.
Your financial information, such as investments, income, expenses, investable assets, investing risk tolerance or other similar types of information.
Age, gender, or other similar demographic information when such information is relevant to a particular financial product or service you have requested.

Please note: We do not store your Social Security number, nor do we store your third-party financial account ID or passwords. Instead, we securely pass this information to our third-party partners when you request Services that require us to confirm your identity, when you request to prequalify for their products, and/or to provide you with access to your financial information on our Site.

B. Information Automatically Collected

When you visit the Site, use the Services, or open an email from finstream or our affiliates, we may automatically receive and record certain information from your computer, web browser and/or mobile device, including without limitation:

IP address or other device address or ID.
Web browser and/or device type.
Geolocation data, including if you use the Site on a mobile device.
Hardware and software settings and configurations.
Web pages or sites that you visit just before or just after visiting the Site.
Pages you view on the Site.
Your actions on the Site.
Dates and times that you visit, access, or use the Services.

Cookie Information

When you use the Services, we may send one or more Cookies (which are small text files containing a string of alphanumeric characters) to your computer or mobile device. We may use both Session Cookies and Persistent Cookies. A Session Cookie disappears after you close your browser. A Persistent Cookie remains after you close your browser and may be used by your browser on subsequent visits to the Services. Persistent Cookies can be removed. Please review your web browser "Help" file to learn the proper way to modify your Cookie settings. If you delete, or choose not to accept, Cookies from the Services, you may not be able to utilize the features of the Services to their fullest potential.

Third-Party Web Beacons and Third-Party Buttons

We may implement third-party advertising or other content on the Site that may use clear GIFs or other forms of web beacons, which allow the third-party content provider to read and write Cookies to your web browser in connection with your viewing of the third-party content on the Site. Additionally, we may implement third party buttons (such as Facebook "like" or "share" buttons) that may allow a third party to collect information about you through their browser Cookies, even when you do not interact with the button.

A number of different targeting and advertising programs may be used on this Site, including without limitation Google Analytics. We allow third parties, including non-affiliated business partners, advertising networks, analytics providers, and other advertising service providers to collect information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers and other technologies. Information collected by these third parties in this manner is subject to that third party's own privacy policies. Some of these third parties are members of the Network Advertising Initiative and participate in the industry's opt out, available at optout.aboutads.info. Additionally, you may opt-out of the use of Google Analytics Cookies here.

C. Information From Other Sources

We may also obtain information about you from third-party sources, such as our partners or advertisers. If we combine or associate information from other sources with your information that we collect through the Services, we will treat the combined information in accordance with this Privacy Policy, the Terms, and applicable law.

II. How We Use Your Information

Your information is an integral part of our operations, and we use it in a variety of ways in providing the Services and operating our business. We use the information you provide, for example:

To provide you the Services you request and enable non-affiliated third parties to provide additional services to you.
To operate, maintain and improve the Services and create new features and functionality.
To understand and analyze usage trends and preferences of our users across different devices.
For fraud detection and information security.
We may use your e-mail address or other personal information to contact you for administrative purposes such as customer service, to address intellectual property issues, and/or to send you promotional materials and offers. Generally, you can opt out of receiving promotional communications through links provided in the messages or by contacting us directly at support@finstream.io.
We may use Cookie Information and Automatically Collected Information to personalize our services, provide customized advertisements, monitor and analyze the effectiveness of Services, and track your entries, submissions, and status in any promotions or other activities.

III. How We Share Your Information

We may disclose your information in connection with providing the Services and the operation of our business. For example, we may share personal information with nonaffiliated third-party service providers to verify your identity in connection with your use of certain aspects of the Services.

We may share information collected directly from you with non-affiliated third-party lending partners or third-party service providers in connection with your use of specific aspects of the Services, including when you request to prequalify for a third-party loan or credit card product, when you request access to your credit report or score, or when you request answers or advice through our Services.

We may share your information with third-party service providers to support our internal and business operations — for example, for website hosting, data storage, internal marketing, email delivery, and fraud prevention.

We may disclose your information if required to do so by law or in the good-faith belief that such action is necessary to comply with state and federal laws, in response to a court order, judicial or other government subpoena or warrant, or to otherwise cooperate with law enforcement activity.

You may decline to share certain information with us, in which case we may not be able to provide to you some of the features and functionality of the Services.

IV. Updating Your Information and Account

A. Updating Your Information

Once you have registered for a finStream account, you may update or correct your profile information and preferences at any time by accessing your account page on finStream.io.

B. Deactivating Your Account

We do not delete information about you upon deactivation of your account. Although your deactivated status is reflected promptly in our user databases, we may retain the information you submit for a variety of purposes, including legal compliance, backups and archiving, prevention of fraud and abuse, and analytics.

C. Unsubscribing From Emails

If you do not wish to receive email offers or newsletters from us, you can opt out by using the unsubscribe process at the bottom of any marketing email from us. Although your changes are reflected promptly in active user databases, we may retain all information you submit for a variety of purposes, including backups and archiving, prevention of fraud and abuse, and analytics.

V. Our Commitment to Data Security

We use certain physical, managerial, and technical safeguards that are designed to protect the integrity and security of your information. We cannot, however, ensure or warrant the security of any information you transmit to us through the Services or store on the Site, and you do so at your own risk.

VI. Nevada Privacy Rights

Although we do not currently conduct sales of personal information, Nevada residents may submit a request directing us to not sell personal information we maintain about them if our practices change in the future. To exercise this right, email us at support@finstream.io with the subject line: "Nevada: Request to Opt-Out."

VII. California Privacy Rights

This section contains disclosures required by the California Consumer Privacy Act ("CCPA") and applies only to "personal information" that is subject to that law. If you are a California resident, the CCPA may apply to our Services as they relate to business products featured on our site.

VIII. International Visitors

The Service is intended solely for visitors located within the United States. The information we provide and the third-party products and services featured are tailored for the United States market only. You agree that if you choose to use the Services from outside the United States, you will be transferring your information outside of those regions to the United States for storage and processing.

IX. In the Event of Merger or Sale

finStream reserves the right to transfer or assign the information that we have collected from users in connection with a corporate transaction, such as a divestiture, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy.

X. Changes and Updates to This Privacy Policy

We reserve the right to make changes to this Privacy Policy at any time. We will notify you about material changes in the way we treat your information, including by placing a prominent notice on the Site or by sending you an email so that you can choose whether to continue using the Services. Material modifications are effective 30 calendar days after our initial notification or upon your acceptance of the modified Terms.

XI. Contact Information

Please contact us with any questions or comments about this Privacy Policy, your personally identifiable information, our use and disclosure practices, or your consent choices by e-mail at support@finstream.io.

finStream, Inc.
733 Turnpike Street, Suite 8 #212
North Andover, MA 01845