Privacy Policy

Silver Stream Insurance, LLC (“Silver Stream,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy describes how we collect, use, disclose, and protect personal information obtained through our website, communications, insurance services, and related services (“Services”).

By using our Services or providing information to us, you acknowledge the practices described in this Privacy Policy.

Information We Collect

We may collect personal information that you provide directly to us or authorize others to provide, including:

• Name, address, email address, telephone number, and date of birth;
• Information necessary to obtain insurance quotes, apply for coverage, or service an insurance request;
• Financial, insurance, health, medical, lifestyle, and other underwriting-related information when applicable;
• Information provided by insurance agents, insurance carriers, service providers, medical-information providers, or other authorized third parties; and
• Information generated through your use of our website, such as device information, IP address, pages visited, and website interactions.

The information collected depends on the products or Services you request.

How We Use Information

Silver Stream may use personal information to:

• Provide insurance quotes, applications, products, and related Services;
• Communicate with you about your inquiry, application, coverage, or other Services;
• Submit information to insurance carriers and other parties involved in obtaining or servicing insurance coverage;
• Verify information and assist with underwriting;
• Improve our website, technology, marketing, and customer experience;
• Prevent fraud, protect our business, and maintain security; and
• Satisfy legal, regulatory, contractual, and compliance requirements.

We may also use aggregated or de-identified information for legitimate business purposes.

How We Share Information

We may disclose personal information when reasonably necessary to provide our Services, including to insurance carriers, underwriting organizations, technology providers, vendors, medical-information providers, payment providers, and other companies assisting with an insurance transaction.

We may also disclose information when required by law, regulation, subpoena, court order, governmental request, or when reasonably necessary to prevent fraud, protect legal rights, or maintain the security of our Services.

If Silver Stream is involved in a merger, acquisition, financing, sale, reorganization, or similar business transaction, information may be transferred as part of that transaction.

Silver Stream does not sell personal information for monetary consideration.

Information Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no website, electronic transmission, database, or information-storage system can be guaranteed to be completely secure.

Website Technologies

Our website and service providers may use cookies, analytics tools, pixels, and similar technologies to understand website usage, improve our Services, measure marketing effectiveness, and maintain website functionality.

Your browser may allow you to limit or disable certain cookies. Doing so may affect some website functionality.

Communications

If you provide your contact information, Silver Stream may contact you regarding your request, insurance products, Services, or other relevant information, as permitted by law.

You may opt out of marketing emails by following the unsubscribe instructions contained in the communication or by contacting us at privacy@silverstreamins.com. Opting out of marketing communications does not prevent us from sending transactional, servicing, compliance, or other legally permitted communications.

Third-Party Websites and Services

Our website may contain links to websites or services operated by third parties, including insurance carriers and other service providers. Silver Stream is not responsible for the privacy practices, security, or content of third-party websites. Their privacy policies govern information collected directly by them.

Children’s Privacy

Our Services are intended for adults. We do not knowingly collect personal information directly from individuals under 18 except when information concerning a minor is provided by a parent, guardian, or other authorized individual for legitimate insurance purposes.

State Privacy Rights

Depending on your state of residence, applicable law may provide rights regarding your personal information, which may include the right to request access, correction, deletion, or information regarding how your personal information is used or disclosed.

California residents may have additional rights under applicable California privacy laws, including rights to know about, correct, or request deletion of certain personal information and to exercise applicable privacy rights without unlawful discrimination.

Nevada residents may have rights concerning certain sales of covered personal information under Nevada law.

Silver Stream does not sell personal information for monetary consideration.

To submit a privacy request, contact us using the information below. We may need to verify your identity before processing a request and may retain information when permitted or required by law, including information necessary to complete insurance transactions, comply with regulatory requirements, prevent fraud, or maintain required business records.

U.S. Services

Silver Stream’s Services are intended primarily for individuals and insurance transactions within the United States. Information submitted through our Services may be processed and stored in the United States in accordance with applicable U.S. law.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our business practices, technology, Services, or applicable law. The effective date above indicates when this Policy was most recently updated.

Contact Us

Questions, privacy requests, or concerns regarding this Privacy Policy may be directed to: