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Streamline Benefits Group

Privacy Policy

​​​1. The Scope of this Policy

Streamline Benefits Group (“we,” “us” or “our”) respects your privacy and values your trust. The purpose of this Privacy Policy is to inform you of the treatment and handling of personal information that we may learn about you from using our website at https://www.streamlinebg.com (the “Site”), from engaging with our content, and/or by use of any of our products or services (collectively with the Site, the “Services”).

​​2. Agreement to Terms

By accessing the Site or using the Services in any manner, you acknowledge that you accept the practices and policies outlined below, and you hereby consent to our collection, use, storage, deletion, and disclosure of your personal information as set forth in this Privacy Policy. If you do not agree with the terms of this Privacy Policy, then you should immediately discontinue use of the Site and/or Services without providing us with any personal information.

​​3. The Information We Collect

We collect personal information when you create an account through the Services; receive customer support; use our products, such as benefit recommendations, quoting, our tech tools, employer enrollment, or other services. We may collect the following categories of personal information (a) directly from you (such as when you create an account, purchase a product or service from us, apply for insurance, or contact us), (b) from third-parties (such as when your employer enrolls you in one of our products or services.

Identifiers
We may collect your first and last name, email address, postal address, phone number, fax number, Social Security number or other government identification number, date of birth, signature, photograph, and online account username and password.

Financial and Insurance Information
We may collect transaction or loss history, insurance claim history, health insurance policy numbers, and bank account information.

Demographic Information
We may collect your age or birthdate, gender, race, ethnicity, and familial or marital status. Generally, it is not required to provide this information to us unless it is necessary for us to comply with our legal obligations.

Professional, Employment, and Education Information
We may collect education information and employment history.

Other Identifying Information that You Voluntarily Choose to Provide
We may collect any identifying information that you include in emails, letters, texts, or other communications you send to us.

You are not required to provide all personal information identified in this Privacy Policy to use our Services or to interact with us, but certain functionality will not be available if you do not provide certain personal information. For example, if you do not provide certain personal information, we may not be able to respond to your requests or allow you to register an account.

​​4. Cookies

We DO NOT utilize cookies.  No cookies from the Site will be stored on your computer.

​​5. Children's Privacy

The Services are not intended for users under the age of 16. Streamline Benefits Group does not knowingly collect personal information from individuals under the age of 16. If you are aware of, or suspect that, someone under the age of 16 is using the Services without permission, please notify us immediately by contacting us as detailed in the How to Contact Us section below.

​​6. How We Use Personal Information

We collect and use your personal information for the following purposes:
  • Providing the Services: We use personal information to provide the Services to you and to provide products and services requested by, or reasonably anticipated within the context of our relationship with, you. This also includes connecting you with providers, insurance referral networks, or affiliates thereof.
  • Communicating with you: We use personal information to communicate with you, such as to: send you notifications regarding your relationship with us, respond to your inquiries or requests, and request feedback.
  • Marketing purposes: We use personal information for our marketing and promotional purposes, such as to: alert you of new and existing products, services, features, or enhancements to the Services that we believe may be of interest to you.
  • Security and fraud prevention: We use personal information for security and fraud prevention purposes, such as to: verify your identity, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and prosecute those responsible.
  • Legal rights and obligations: We use personal information to comply with legal and regulatory obligations, to establish or exercise our rights, and to defend against legal claims.

​​7. How We Share Personal Information

All insurance brokers, agents, and support organizations need to share customers’ personal information to run their everyday business. In the section below, we list the categories of third parties with whom we share personal information for our business purposes. 
  • Service providers, including insurance carriers, agents, or brokers and hosting providers. In some instances, service providers will be directly responsible to you for their use of your personal information. They may be obliged by law to provide you with additional information regarding the personal information that they hold about you and how and why they process that information. Further information may be provided to you in a separate notice or may be obtained from such service providers directly, for example, via their websites.
  • Advisers and financial institutions, including auditors, notaries, business continuity support service providers, and legal, tax, and risk and compliance advisors.
  • With third parties in connection with a change to the control or financial status of the company, including a corporate restructuring, sale, acquisition, financing, reorganization, bankruptcy, receivership, transfer, assignment of assets, or business merger or divestiture. Personal information and other information may be shared in the diligence process with counterparties and others assisting with the transaction and transferred to a successor or affiliate as part of that transaction.
  • Government bodies, dispute resolution organizations, law enforcement agencies, or third parties in connection with (a) responding to a subpoena, search warrant, or other lawful request for information that we receive; (b) cooperating in a law enforcement or similar investigation; or (c) otherwise protecting our rights, as applicable.

Streamline Benefits Group does not jointly market products or services with other companies, and we do not disclose personal information to third parties for use in their own marketing or solicitations. We do not sell personal information. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Please note that when you are no longer our customer, we may continue to share your information as described in this Privacy Policy. We retain personal information, including information about former customers, for as long as necessary to fulfill the purposes for which it was collected; as needed to address tax, corporate compliance, employment, litigation, and other legal rights and obligations; and as otherwise required or permitted by law.

​​8. Choices Regarding Your Information

If you have an account on the Site, you may update or delete your personal information by contacting Member Services by email at memberservices@streamlinebg.com or by phone at (720) 675-9750.

If you no longer want to receive marketing communications or other announcement from us, you may unsubscribe by contacting us at marketing@streamlinebg.com or following the unsubscribe options in the communication itself. 

Please note that you cannot unsubscribe from certain correspondence from us, including messages relating directly to your account or products and services that you have purchased from us.

​​9. Security

We maintain reasonable technical, administrative, and physical safeguards to protect personal information from loss, misuse, alteration, or unintentional destruction. We have implemented various security measures to protect the personal information and the general information that we receive from you. Whenever you give out personal information online there is a risk that third parties may intercept and use that information. Although we seek to protect your personal information and privacy, we cannot guarantee the security of any information you disclose online. To the extent permitted under applicable law, we assume no liability or responsibility for disclosure of your information due to errors in transmission, unauthorized access by third parties, or other causes beyond our control.

​​10. Location of Processing:

As detailed in Section 6 (How We Share Personal Information), Streamline Benefits Group must disclose your personal information to a variety of service providers and other third parties in order to provide you with the Services. In some instances, these service providers and other third parties may be located, or may conduct their personal information processing and/or storage operations, outside of the United States. By accessing the Site or using the Services, you acknowledge and agree that Streamline Benefits Group may outsource the processing and/or storage of your personal information to service providers and other third parties located outside of the United States. If we do so, we will ensure that any service provider or other third party to which we disclose your personal information has agreed to comply with all applicable laws relating to the privacy and security of your personal information.

​​11. Additional Disclosures for Colorado Residents

For residents of Colorado, this section describes right you may have under Colorado law. These disclosures are intended to supplement this Privacy Policy with information required by Colorado law.

To understand what personal information we may collect, use and share about you, and from where we collected it, please see the section The Information We Collect. We share personal information with the categories of third parties described in the section How We Share Personal Information.

We collect this personal information, as further described in the How We Use Personal Information section above, to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes and objectives. In particular, we have identified the categories of personal information that we use or share for each purpose below:

Providing the Service
  • Identifiers
  • Financial and Insurance Information
  • Demographic Information
  • Professional, Employment, and Education Information
  • Health Information

Communicating with you
  • Identifiers
  • Financial and Insurance Information
  • Professional, Employment, and Education Information

Marketing purposes
  • Identifiers 

Analytics and personalization
  • Identifiers

Security and fraud prevention
  • Identifiers
  • Financial and Insurance Information
  • Professional, Employment, and Education Information

Legal rights and obligations
  • Identifiers
  • Financial and Insurance Information
  • Demographic Information
  • Professional, Employment, and Education Information

We do not use your personal information to make decisions with legal or similarly significant effects for you based on the automated processing of your personal information. We also do not engage in targeted advertising and, as noted above, we do not sell personal information.

Under Colorado law, consumers have a right to notice, upon collection, of the categories of personal information collected and the purposes for which the information will be used. We provide this notice through this Privacy Policy.

In addition, in certain circumstances, Colorado residents may have additional rights, including:
  • Access: You may have the right to access a copy of the categories and specific pieces of personal information that we have collected, used, and/or disclosed.
  • Portability: When you exercise your right to access, you also have the right to receive your personal information in a portable and, to the extent technically feasible, readily usable format.
  • Correction: You may have the right to request that we correct inaccurate personal information that we hold about you, taking into account the nature of the personal information and the purposes of the processing of the personal information.
  • Deletion: You may have the right to request that we delete or anonymize your personal information, with certain exceptions.

If you wish to exercise the rights described above, or if you have any questions or concerns regarding the processing of your personal information, please call us at (720) 675-9750 or by sending an email to compliance@streamlinebg.com. Please include “Colorado Privacy” in the subject line of your email so that we can get your email to the right team. We will respond to your request consistent with applicable law. Some of the rights above do not apply to personal information we collect in connection with financial and/or insurance products and services we provide to consumers.

Please note, however, before we will be able to process your request to exercise any of the rights above, we will need to properly verify your identity for security purposes. If we possess appropriate information about you (e.g., name, email, address), we will attempt to verify your identity using that information. It if is not reasonably possible to identify you, we may not be able to respond to your request.

To use an authorized agent to make a request on your behalf, we may need the authorized agent to provide proof that you gave the authorized agent signed permission to submit the request on your behalf. We may also require you to verify your identity directly with us.

Please note that certain exceptions and limitations apply to the rights discussed above. For example, the rights described above may be limited or inapplicable to certain types of information, to information collected and used in connection with our business relationship with other business entities, and to information pertaining to hiring and employment.

​​12. Links to Other Websites

For your convenience, we may link to third-party sites and services, or otherwise display third-party content through our Site to provide increased value to our visitors. We have no control over these linked sites, each of which has separate privacy and data collection policies and practices independent from us. As such we have no responsibility or liability for these independent policies or actions and are not responsible for the privacy practices or the content of any such websites. Please note that these other sites may send their own cookies to users, collect data, or solicit personal information, and we encourage you to review their policies before engaging with these third-party sites.

​​13. Effective Data and Changes to this Privacy Policy

This Privacy Policy is effective as of the date at the top of this policy. Streamline Benefits Group has the discretion to update this Privacy Policy at any time. When we do, we will revise the effective date above. We encourage users to frequently check this page for any changes and to stay informed about how we are helping to protect the personal information we collect, especially before you provide information, and particularly personal information, directly to us through the Services. In the event of a material change to this Privacy Policy, we will provide a message through our website or via email informing you of the change.

​​14. How to Contact Us

If you have any questions about our privacy practices or this Privacy Policy, please contact us by email at compliance@streamlinebg.com. You can also call us at (720) 675-9750, or write to us at:

Streamline Benefits Group
Attn: Compliance Officer
PO Box 745875
Arvada, CO 80006