Privacy Policy

When you use Homestream Services, we know you are trusting us with your information. We understand this big responsibility and work hard to respect your privacy and protect your Personal Information. This Privacy Policy describes how Homestream LLC ("Homestream," "we," "us," or "our") collects, uses, stores, protects, discloses, or otherwise processes your information in connection with your use of our website located at homestream.io, our product, our services, and/or other communication channels under our control (collectively, the "Services").

1. Information Collected from You

At Homestream, we are committed to safeguarding your privacy while delivering exceptional products. We collect information necessary to provide our Services effectively. The specific information collected depends on how you interact with our Services. When engaging with our Services, we may collect information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with you (your "Personal Information").

Some of the Personal Information identified below may be considered sensitive data under certain laws. If you choose not to provide or allow us to collect some information, we may not be able to provide you with requested Services.

A. Information You Provide Directly

• Account and Contact Information: Full name, username, password, email address, date of birth, phone number, and postal address.
• Financial Data: Annual income, source of funds, assets, net worth, home ownership status, employment history, debt-to-income ratio, existing loan information, credit score information, and potential down payment amount.
• Subscription Information: Subscription and payment information.

B. Information Collected Automatically

• Usage Data: Pages viewed, features accessed, time spent on the site, dates and times of your visits, and flow of interaction within our Services.
• Technical Data: IP address, device type, browser type, operating system, and unique device identifiers.
• Tracking Technologies: Cookies and web beacons (clear gifs, pixel tags) used to track activity, count visits, and gather related statistics. You may decline cookies, but some Services may not function properly.

C. Information We Derive

We may derive information or draw inferences about you based on the information we collect, including inferences about your location based on IP address or postal code, or about properties you may want to purchase based on your browsing behavior. We may use artificial intelligence, including large language models and machine learning, to derive this information.

2. How We Use Your Information

Homestream stores your Personal Information. We use the Personal Information we collect for the following purposes:

• General Services: Deliver and personalize our Services, maintain and improve features, repair errors, communicate about products and events, monitor usage, comply with legal/financial obligations, create de-identified data, enforce our Terms, and verify your identity.
• AI Model: We may use your Personal Information together with market data to generate estimated performance projections from our AI model.
• Pre-Approval Form Generation: We may use your Financial Data and sensitive data to populate the digital lender packet at your request. The lender packet is not shared with third parties after generation.
• Service Improvement: We may use aggregated and anonymized data to train and improve our AI and machine learning models.
• Online Advertising: Partners may collect and use information to help Homestream understand effective advertising and promotions.

3. Sharing, Disclosure, and Sale of Your Information

A. Financial Institutions

We may sell your Personal Information, including potentially sensitive data, to select financial institutions.

B. Service Providers

We employ third parties for hosting, data analysis, and security. They have access only to perform tasks on our behalf and are obligated not to disclose or use it otherwise. Website chats may be recorded for quality assurance.

C. Legal Requirements

We may disclose your Personal Information to comply with law, enforce agreements, or protect rights, property, or safety.

D. Buyers and Successors

We may share Personal Information in connection with a merger, divestiture, restructuring, reorganization, dissolution, or sale of assets.

E. Marketing Analysis by Third Parties

Any information disclosed for marketing analysis will be in aggregate form that does not identify an individual customer.

4. How We Store and Protect Your Information

We implement commercially reasonable technical and organizational measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure. All your Personal Information is stored securely in Homestream's database.

However, no security system is impenetrable. Where you have a password to access certain parts of our Services, you are responsible for keeping it confidential. We cannot guarantee the complete security of your Personal Information.

5. Data Retention and Deletion

We retain your Personal Information only for as long as is reasonably necessary to fulfill the purpose for which it was collected and in accordance with applicable laws.

Once retention is no longer necessary, we will securely delete or de-identify your Personal Information. You may request deletion by contacting support@homestream.io.

6. Your Choices and Rights

• Cookies: You can set your browser to refuse all or some browser cookies or other tracking technology.
• State Privacy Rights: Residents of certain states may have additional rights regarding their Personal Information.

7. Your State Privacy Rights

A. Your Rights

If you are a resident of California, or a state with similar privacy laws, you may have the following rights:

• Right to Know: Categories of data collected, sources, purposes, and third parties.
• Right to Access: Request a copy of the specific information collected about you.
• Right to Correct: Request corrections to inaccurate or incomplete information.
• Right to Delete: Request deletion of your information, subject to legal exceptions.
• Right to Opt-Out of Sale or Sharing: We may sell and share your information; you may opt out by contacting us.
• Right to Limit Use of Sensitive Data: Restrict use to what is necessary for providing our Services.
• Right to Non-Discrimination: You will not be discriminated against for exercising your privacy rights.

To exercise your rights, email support@homestream.io. We aim to respond within 45 days of receipt.

B. Notice of Information Collected

In the preceding 12 months, we have collected the following categories of Personal Information:

C. Notice of Information Sold

In the preceding twelve (12) months, we have sold the following categories: Category A (Identifiers) and Category B (Cal. Civ. Code §1798.80(e)).

We sell to: Service Providers, Data aggregators, Financial Institutions, and third parties you authorize.

D. California Shine The Light

California residents may request information regarding our disclosure of Personal Information to third parties for direct marketing purposes by contacting support@homestream.io.

8. Children's Privacy

Our service is not intended for use by anyone under the age of 18. We do not knowingly collect Personal Information from children under 18. Contact support@homestream.io with any concerns.

9. Do Not Track

We do not currently monitor or honor DNT signals. We respect user privacy and provide alternative options to manage tracking preferences through cookie settings.

10. Changes to This Privacy Policy

Homestream reserves the right to change this Privacy Policy at any time. Material changes will be notified by email or via a notice on the Homestream website. Continued use after changes constitutes acceptance.

11. Contact Us

Homestream LLC

Email: support@homestream.io