Effective as of April 14, 2026
This Notice at Collection of Personal Information and Privacy Policy for US Residents (“Policy”) describes the privacy practices of Stream Platforms, Inc. ("Stream," "we", “us” or "our") and how we handle personal information that we collect through http://stream.co/en-us, our mobile application and the services we provide (collectively, “Services”).
Stream operates a financial wellness platform and contracts with Employers (“Clients”), either directly or indirectly through a partner, to enable employees of the Client to access their earned wages, track and save their wages and access independent financial education. Depending on how our Services are provided, Stream may be a controller, processor or sub-processor.
This Policy applies to our collection of personal information (i.e. information that may identify, relate to, describe, references, is capable of being associated with or could reasonably be linked, directly or indirectly, with you or your device). This Policy applies to our Clients, users of our Services, website visitors, suppliers, contractors, and business partners.
If you reside in Europe, please see our UK/EEA-specific Privacy Notice located here.
Notice at Collection
Stream collects the personal information identified in the section below titled "The Types of Personal Information We May Collect from You" for the purposes identified in the section below titled "How We Use Your Personal Information”.
Streams retains such information for the period described in the section below titled "How Long Do We Store Personal Information".
We disclose personal information as described in the section below titled "How We Disclose Personal Information".
We do not "sell" personal information for monetary consideration; however, the use of cookies and online tracking technologies may be considered a “sale” / “sharing” under certain US state privacy laws. Visitors to our US website can opt out of being tracked by these third parties by clicking on the "Do Not Sell or Share My Personal Information" link, which can also be found at the bottom of our page or in our Cookie banner.
Our full privacy policy for US residents is available below.
Privacy Policy for US Residents
Table of contents:
How Do We Collect Personal Information?
The Types of Personal Information We May Collect From You
Depending on how you interact with us, we may collect the following information in conjunction with our Services:
Inferences drawn from any of the information listed above to create a profile about an individual reflecting the individual’s preferences, characteristics or trends.
How We Use Your Personal Information
We may use your information for the following reasons, depending on your relationship with us:
We may also use your information with your consent, and will specifically ask in these instances for your consent to collect, use or share your personal information, such as when required by law.
How We Disclose Personal Information
We may disclose information collected from or about you with any of the following entities and for any of the following purposes:
We have disclosed the following categories of personal information to service providers and third parties for business purposes:
We do not "sell" personal information for monetary consideration; however, the use of cookies and online tracking technologies may be considered a “sale” or “sharing” under certain US state privacy laws. Visitors to our US website can opt out of being tracked by these third parties by clicking on the link "Do Not Sell or Share My Personal Information" [add link], which is also accessible through the link at the bottom of our page or in our Cookie banner.
Categories of personal information disclosed that may be considered “sale” / “sharing”: Identity and Contact Information, Biographic and Demographic Information, Audio, electronic, visual, or similar information, Internet Usage Information, Device information, Other Personal Information you provide during your communications with us, Professional Information, Inferences.
Categories of third parties to whom personal information was disclosed that may be considered “sale”/ “sharing” include advertisers and marketing partners, social media providers and data analytics providers.
Nevada consumers have the right to submit a verified request that we do not sell Nevada consumer's covered information. We do not sell any covered information as defined in the Nevada Internet Privacy Law.
How Long Do We Store Personal Information?
We may retain your personal information for a period of time consistent with the original purpose of collection or as long as required to fulfil our legal obligations. We determine the appropriate retention period for personal information on the basis of the amount, nature, and sensitivity of the personal information being processed, the potential risk of harm from unauthorized use or disclosure of the personal information, whether we can achieve the purposes of the processing through other means, and on the basis of applicable legal requirements (such as applicable statutes of limitation).
In certain circumstances, we will need to keep your information for legal reasons after our contractual relationship has ended and/or your account has been deleted. The specific retention periods depend on the nature of the information and why it is collected and processed and the nature of the legal requirement. For example, to deal with and resolve requests and complaints, and for litigation or regulatory matters where we would retain your information if there was an ongoing legal claim and the information was relevant to the claim. This information would be retained until the legal claim had been concluded.
After expiry of the applicable retention periods, your personal information will be deleted. If there is any data that we are unable, for technical reasons, to delete entirely from our systems, we will implement appropriate measures to prevent any further use of such information.
Children's Privacy
You must be 14 years or older to use our Services. Our Services are for a general audience, are not targeted to children, and do not knowingly collect personal information from children under 14 years of age. If you are a child under 14, please do not attempt to send any personal data about yourself to us. If you believe that your child under the age of 14 has submitted personal data to us in connection with our Services, please contact us to privacy@stream.co so that we may take steps to delete such information, in accordance with applicable laws.
If you are a resident of California under the age of 18 and a registered user of our website, you may ask us to remove content or data that you have posted to the website by writing to privacy@stream.co. Please note that your request does not ensure complete or comprehensive removal of the content or data, as, for example, some of your content or data may have been reposted by another user.
Links to Third Party Websites
We may provide links to websites and other third-party content (e.g., social media platforms) that are not owned or operated by us. The websites and third-party content to which we link may have separate privacy notices or policies. We are not responsible for the privacy practices of these websites.
If you provide any personal information through a third-party site, your interaction and your personal information will be collected by and controlled by the privacy policy of that third party site. We recommend that you familiarize yourself with the privacy policies and practices of any such third parties, which are not governed by this Privacy Policy.
Advertising and Opt-Out Disclosures
When you use our Services, our third-party advertising partners, social media providers and analytics providers may collect personal information about your online activity on our Services and on third party websites.
These providers may set web tracking tools (e.g., cookies and web beacons, as discussed further below) to collect information regarding your online activity. In addition, our advertising partners may use this information to deliver advertisements to you when you visit third party websites within their networks. If you would like more information about this practice and to know your choices with respect to it, please either visit the Digital Advertising Alliance’s opt-out page (currently available at https://optout.aboutads) or the Network Advertising Initiative’s opt-out page (currently available at https://thenai.org). Please note that you may continue to receive generic ads that are not based on your preferences.
Information Security
We use commercially reasonable administrative, technical, personnel, and physical measures designed to safeguard information in our possession against loss, theft and unauthorized use, disclosure, or modification. However, the confidentiality of information transmitted over the Internet cannot be guaranteed. We urge you to exercise caution when transmitting personal information over the internet. We cannot guarantee that unauthorized third parties will not gain access to your information; therefore, when submitting personal information to us, you do so at your own risk.
Cookies and Similar Technology
We and our partners use various tools to collect data when you visit our sites and apps, including cookies, pixels, local storage, and other similar technologies. Some of these technologies store data in the browser or on your device. Other technologies may use network-related or other information to recognize your device (e.g., IP address). Our Services use these technologies, for example, when you first request a web page and data is then stored on your computer or other device so the website or mobile application can access personal information when you make subsequent requests for pages from that Service. These technologies may also be used to collect and store information about your usage of the Services, such as pages you have visited, other content you viewed, and search history.
We and our partners may use also use these technologies to gather personal information about how you view and use our Services and content, and to connect your activity with other data we store about you. We and our partners may collect your personally identifiable information about your online activities over time and across different websites when you use the Services. The use of these technologies helps us serve you better by understanding what you're interested in, tracking trends, measuring the effectiveness of ads, saving your preferences, and storing information you may want to retrieve on a regular basis. We also allow specific, approved partners to collect data from your browser or device for advertising and measurement purposes using their own similar tools.
Your web browser can be set to allow you to control these technologies, such as whether you will accept cookies, reject cookies, or to notify you each time a cookie is sent to your browser. If your browser is set to reject cookies, websites that are cookie-enabled will not recognize you when you return to the website, and some website functionality may be lost. The Help section of your browser may tell you how to prevent your browser from accepting these technologies such as cookies. To find out more about cookies, visit www.aboutcookies.org. Also, certain versions of the Android operating system allow you to “Opt-out of Ads Personalization” in the system settings. Options you select are browser and device specific.
Some browsers permit the user to send a “Do Not Track” (“DNT”) preference to websites that the user visits indicating that the user does not wish to be tracked over time and across websites. You may opt out by broadcasting an Opt-Out Preference Signal, such as the Global Privacy Control (GPC) (on the browsers and/or browser extensions that support such a signal). To download and use a browser supporting the GPC browser signal, click here: globalprivacycontrol.org. If you choose to use the GPC signal, you will need to turn it on for each supported browser or browser extension you use.
Your Marketing Preferences
We may periodically send promotional materials or notifications related to our Services. If you no longer wish to receive promotional marketing materials from us, you may opt-out of receiving such materials. You may unsubscribe from receiving marketing or other commercial emails from us by following the instructions included in the email. You may unsubscribe from text messages you previously consented to by following the prompt provided on our messages. We will work to comply with your request promptly.
There are certain service notification and other non-promotional emails that you may not opt-out of, such as notifications of changes to the Services or policies.
Privacy Rights Requests
Consistent with applicable state laws, you may exercise the rights described in this section. Some of the rights described below may vary depending on your state of residence.
Under California law, we do not provide financial incentives to individuals who allow us to collect, retain, or use their personal information. We will describe such programs to you if and when we offer them to you.
Submitting a Privacy Rights Request
To exercise any of these rights, please complete the Data Rights Request Form. You may also authorize an agent to make data subject requests on your behalf. In such instances, authorized agents may use the same methods as you to submit the requests on your behalf. When you submit a data subject request, please indicate the type of request you are making, so that we may properly process and respond to your request in accordance with applicable law.
Depending on the type of data subject request you submit, we may ask you to provide information that will enable us to verify your identity before complying with the request. We verify requests carefully and in accordance with applicable law. In particular, if you authorize an agent to make a request on your behalf, we may require the agent to provide proof of signed permission from you to submit the request, or we may require you to verify your own identity to us or confirm with us that you provided the agent with permission to submit the request. In some instances, we may decline to honor your request if an exception applies under applicable law. We will respond to your request consistent with applicable law.
We will not discriminate against you for exercising your data subject rights. For example, we will not deny goods or services to you, or charge you different prices or rates, or provide a different level of quality for products or services as a result of you exercising your privacy rights.
Appealing Requests
Depending on your state of residence in the U.S., you may be able to appeal our decision to your request regarding your personal information. To do so, please contact us at privacy@stream.co. We respond to all appeal requests as soon as we reasonably can, and no later than legally required.
California Shine the Light Disclosure
Under California’s Shine the Light law (California Civil Code Section 1798.83), California residents may ask companies with whom they have formed a business relationship primarily for personal, family or household purposes to provide the names of third parties to which they have disclosed certain personal information (as defined under the Shine the Light law) during the preceding calendar year for their own direct marketing purposes and the categories of personal information disclosed. You may send us requests for this information to privacy@stream.co. In your request, you must include the statement “Shine the Light Request," and provide your first and last name and mailing address and certify that you are a California resident. We reserve the right to require additional information to confirm your identity and California residency. Please note that we will not accept requests via telephone, mail, or facsimile, and we are not responsible for notices that are not labeled or sent properly, or that do not have complete information.
Changes to this Privacy Policy
We reserve the right to modify this Privacy Policy at any time. Any modifications to this Privacy Policy will be effective upon our posting the modified version (or as otherwise indicated at the time of posting). In all cases, your use of the Services after the effective date of any modified Privacy Policy indicates your acceptance of the modified Privacy Policy.
