Privacy Policy
Last updated on February 6, 2024
OVERVIEW
Settlement Streams, LLC (“Settlement Streams”, “we”, or “us”) knows that you care how information about you (“you,” “your,” or “User”) is used and shared, and we appreciate your trust that we will do so carefully and sensibly. This Privacy Policy explains how we collect, store, process, share, and use information collected when you use www.Settlement Streams.com (the “Website”), as well as any of our products and services and related training or support (collectively, the “Services”).
By accessing or using our Website or Services, you signify that you agree to be bound by our Terms of Service and this Privacy Policy. If you do not agree to the terms of this Privacy Policy you must discontinue using the Website and the Services.
Notice of Information We Collect and How We Use It
We collect two types of data about individuals: (1) technical data automatically collected from all visitors to the Website and individuals who use the Services (“Passive Data Collection”), and (2) information that you or others voluntarily submit to us (“User-Submitted Information”).
“Personal Information,” as used in this Privacy Policy, is information that allows the direct identification of an individual, such as a name or email address, and information that is directly combined with such identifying information. Our primary purpose in collecting Personal Information is to personalize your user experience, maintain, provide and improve our Services, Website and business, and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes. We may also use third-party service providers, partners (“Partners”), or affiliates (“Affiliates”) to help us operate our business; provide, support, maintain, or secure our Services and our Website; or administer activities on our behalf, such as events or marketing campaigns. It may be necessary to provide or allow access to your Personal Information to these third-party service providers, Partners, or Affiliates for those purposes.
PASSIVE DATA COLLECTION
We may automatically track certain information based upon your behavior on the Website. We may use this information to do internal research on our Users’ demographics, interests, and behavior to better understand, protect, and serve you and our community. If we directly combine any information gathered through passive means with Personal Information, we treat the combined information as Personal Information under this Privacy Policy. Otherwise, we use information collected by passive means in aggregated forms.
Device Information
When you access our Website or Services, we may collect device information that can be used to identify you or your device. These identifiers may include IP address, hardware and software information, browser type, device event information, crash data, cookie data, and the pages you have viewed or engaged with before or after accessing our Website or Services.
User Activity Information
We may record information about our Users’ behavior on our Website and when using our Services. This includes details about how you use our websites or services, such as content accessed, time viewed, links clicked, Internet service provider (ISP), referring/exit pages, date/time stamp, and clickstream data. We may aggregate and anonymize this information and may use it to conduct market analysis, publish a summary of findings as a blog post or public facing marketing material, and monitor our Service and how it is used in order to inform decisions to improve our Website, Services and business.
Cookies and Similar Technologies
Our Website and Services use cookies, pixel tags, and local storage (such as data caches and server logs) to distinguish you from other users of our Service. This helps us enhance and personalize your user experience, to monitor and improve our Website and services, and for other internal purposes.
Cookies we utilize on the Website may include session cookies, persistent cookies, and targeting cookies. A session cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. Targeting cookies record your visit to our Website, the pages you have visited and the links you have followed. We will use this information to make our Service and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.
You may block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including strictly necessary cookies) you may not be able to access all or parts of our site.
Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.
USER-SUBMITTED INFORMATION
Website Form Submissions
We collect personal information about you when you voluntarily submit information directly to us by filling in forms on our Website or correspond with us by phone, email, or other means. Information we collect may include contact information such as name, email address, phone number, and business information such as employer name. We use this information to contact you about the products and Services on our Website in which you have expressed interest.
Purchase of Services
If you purchase Services from us, you must provide contact information (including name, billing address, telephone number, and where applicable, professional details such as your position and affiliated firm name and information) and payment information (such as card number and expiration date or other financial information including credit scores obtained from credit reference agencies).
We use this information for billing purposes and to provide you with our Services. We use payment information to facilitate payment for use of our Services, to assess your credit score and to detect and prevent fraud. If we have trouble processing a purchase, we will use this information to contact you.
User Surveys
We may provide you the opportunity to participate in surveys on our Website or through our Services. If you participate, we will request certain Personal Information. The requested information typically includes contact information (such as name and billing address), demographic, and professional information. We will use this information internally to improve our products and services.
Referral Program
We may operate a referral program for our Service; you may choose to provide us with names, email addresses, and phone numbers of individuals who you feel would be interested in learning more about our products and services in exchange for rewards. We will store the contact details in order to track the success of our referral service. Where you provide us with names and email addresses of such individuals as set out above, you will obtain the prior consent of those individuals and provide them with the information as to how we handle their personal information as described in this privacy policy.
The referred individual may request that their contact details be removed from our database and they may also contact us at any time at support@SettlementStreams.com to make the request.
Blogs and Discussion Boards
Our Website may include publicly accessible blogs. Any information you provide in these areas may be read, collected and used by others who access them. This includes information posted on our public social media accounts. If you choose to leave feedback for other Users, please note that such information is available to anyone with Internet access. We may, but are not obligated to, collect the information you post in our public message or product review areas to resolve disputes, provide customer support, and troubleshoot problems as permitted by law. PLEASE BE CAREFUL WHEN DISCLOSING ANY INFORMATION IN PRODUCT OR SERVICE REVIEWS, DISCUSSION BOARDS, OR OTHER PUBLIC POSTING AREAS. WE ARE NOT RESPONSIBLE FOR THE USE BY OTHERS OF THE INFORMATION YOU PUBLICLY DISCLOSE. If you send us personal correspondence, such as emails or letters, or if other Users or third parties send us correspondence about your activities or postings on the Website, we may collect such information into a file specific to you.
Testimonials
With consent, we may display personal testimonials of satisfied customers on our Website, along with other endorsements. If you wish to update or delete your testimonial, you can contact us at support@SettlementStreams.com.
Special Offers and Promotions
We may occasionally send you information via email on our Services, products, special deals, and promotions. For some messages, we may use personal information we collect about you to help us determine the most relevant information to share with you. Out of respect for your privacy, we present the option not to receive these types of communications. You can contact us at support@SettlementStreams.com to discontinue these communications.
User Account Information
We may send you service-related announcements on rare occasions when it is necessary to do so. For instance, if our Services are temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.
Based upon the Personal Information you provide us, we may send you a welcoming email to verify your username and password. We will communicate with you in response to your inquiries, to provide the services you request, to manage your account, and to provide the best customer service possible.
Application Notifications
If you download and use our mobile application and have enabled push notifications on your mobile device, we may send you alerts and notifications through push notifications, for example, to communicate status updates on our Services.
DISCLOSURE OF PASSIVE OR USER-SUBMITTED DATA
Settlement Streams Partners
Settlement Streams may engage in marketing and promotional activities with carefully screened brands, or, “Partners,” which we think will appeal to our Users. We may send or permit Partner promotions via email. You may opt out of such promotional emails or Partner mailings by emailing us at support@SettlementStreams.com, or calling (855) 596 – 2800.
From time to time, Partners may also be provided with non-identifying or aggregate information indicating the demographic information of Users on our Website, buying behavior, and opportunities to market to select segments of our customer base indirectly. When we share aggregate user data, we do so in a way that it cannot be linked with a user’s Personal Information.
Settlement Streams Affiliates
We may share some or all of your Personal Information with our “Affiliates” (which can include a parent company, subsidiaries, joint venture partners or other companies that we control or that are under common control with us), in which case we will seek to require those Affiliates to honor this Privacy Policy.
Third-Party Service Providers
We may provide Personal Information to third parties for their use in performing internal business functions (e.g., mailing, maintenance, security, data analytics, email transmission, CRM, database management services, payment processing, application design, or data hosting) on our behalf. These service providers agree to only use your Personal Information in accordance with this Privacy Policy and for no other purpose than to provide us or our Partners with the contracted-for services.
As Required by Law / Certain Business Transactions
We may disclose Personal Information if we have a good-faith belief that doing so is required by a subpoena or other judicial or administrative order or otherwise required by law or in connection with an actual or proposed corporate transaction or insolvency proceeding involving all or part of the business or asset to which the information pertains. This may include responding to legal requests from jurisdictions outside of the United States, where we have a good faith belief that the response is required by law in that jurisdiction.
To Protect Rights
Additionally, we may disclose Personal Information where we, in good faith, deem it appropriate or necessary to prevent violation of the Terms of Service or our other agreements; take precautions against liability; protect the rights, property, or safety of Settlement Streams, our Affiliates, any individual, or the general public; maintain and protect the security and integrity of our Services or infrastructure; protect ourselves and our Services from fraudulent, abusive, or unlawful uses; investigate and defend ourselves against third-party claims or allegations; or assist government enforcement agencies.
Links to Other Websites
The Website may contain links to other sites that are not owned or controlled by Settlement Streams. Please be aware that this Privacy Policy applies only to information collected by Settlement Streams, and we are not responsible for the privacy policies and practices of such other sites. We encourage you to be aware when you leave the Website and to read the privacy policies of each and every website.
In the event that our Website links to other websites that include our branding, this Privacy Policy does not apply to those other websites. Visitors to those websites are advised to carefully read the policies on those individual websites.
GENERAL PROVISIONS
User Rights
We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:
The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.
The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.
The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
The right not to be discriminated against – Unless otherwise permitted, we will not deny you goods or services for having exercised your rights as outlined in this policy.
If you would like to exercise any of these rights, please contact us at support@SettlementStreams.com, or call us at (855) 596 – 2800.
EU General Data Protection Regulation (GDPR)
Settlement Streams complies with the EU General Data Protection Regulation (GDPR). In GDPR terminology, Settlement Streams is the "data processor" and you are the "data controller". "Data subjects" are the clients that you enter into the Service.
Settlement Streams may act as a data processor to you by allowing you to store and retrieve any information that you enter into the Service, as well as running reports and analysis on that information. By default, the data stored about your data subjects may include their name, email, phone number, address, and other basic contact information. Because you have complete control over the fields in the Service, and the data you choose to enter, it is your responsibility as the data controller to ensure that you only use the Services in a GDPR compliant way.
See the Terms of Service for more details on GDPR.
Security
The security of your information is important to us, including, but not limited to, the Personal Information collected via the Website. We have implemented security measures to protect against the loss, unauthorized access, misuse, alteration, and destruction of Personal Information under our control.
Although we make good faith efforts to maintain the security of such Personal Information, no method of transmission over the Internet or method of electronic storage, is 100% secure and we cannot guarantee that it will remain free from unauthorized access, use, disclosure, or alteration. Further, while we work hard to ensure the integrity and security of our network and systems, we cannot guarantee that our security measures will prevent “hackers” or other unauthorized persons from illegally accessing or obtaining this information.
As part of securing personal data stored on our servers, we restrict access to Personal Information residing on those servers to Settlement Streams employees, contractors, and agents who need to know that information in order to operate, develop, or improve the Services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.
If we learn of a security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Services or the Website or by providing Personal Information to us, you agree that we can communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the Services.
If a security systems breach occurs, we may post a notice on our homepage (www.SettlementStreams.com) or elsewhere on the Website and may send email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. This notice paragraph applies to Users of Services and the Website.
Data Retention
We keep Personal Information no longer than necessary for legitimate business purposes or as required by law.
Change of Ownership
In the event of a change in ownership, or a merger with, acquisition by, or transfer, or sale of all or a portion of our assets to another entity, we reserve the right to transfer all of your Personal Information, including email addresses, to that entity. We will use reasonable efforts to notify registered Users of any such transfer to an unaffiliated third party (by a posting on our homepage, or by email to your email address that you provided to us, as chosen by us at our discretion).
Policy Towards Children
We do not knowingly collect or maintain Personal Information from anyone under the age of 18, unless or except as permitted by law. If we learn that Personal Information has been collected from a user under 18 years of age on or through the Website, then we will take the appropriate steps to cause this information to be deleted. If you are the parent or legal guardian of a child under 18 who has registered on the Website or you believe has otherwise provided Personal Information, please contact Settlement Streams at support@SettlementStreams.com, or call us at (855) 596 – 2800 to have that child’s account terminated and information deleted.
Notice to California Residents
If you are a resident of the state of California, you are entitled to request information regarding the disclosure of your Personal Information by us to a third party for the third party’s direct marketing purposes. To make such a request, please send an email to support@SettlementStreams.com, or call us at (855) 596 – 2800.
Changes in this Privacy Policy
We may change this Privacy Policy from time to time. The most recent version of the Privacy Policy will always be posted on the Website, with the “Effective Date” posted at the top of the Privacy Policy. We may revise and update this Privacy Policy if our practices change, as technology changes, or as we add new services or change existing ones. If we make any material changes to our Privacy Policy or how we handle your personal information, or if we are going to use any Personal Information in a manner that is materially different from that stated in our Privacy Policy at the time we collected such information, we will give you a reasonable opportunity to consent to the change. By using our Website or Services after the Effective Date, you are deemed to consent to our then-current Privacy Policy.
CONTACT US
If you have questions, concerns or feedback regarding this Privacy Policy, you can contact us at support@SettlementStreams.com, or call us at (855) 596 – 2800.