We understand the importance of protecting your information, and appreciate your confidence and trust. We make good on that confidence by maintaining security over your personal information. We invite you to review this Privacy Policy to help you understand how we use and protection your information.

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CUSTOMER INFORMATION

In order to provide you with the best products and advice, we request and obtain information from you. This information helps us determine whether and how we can help you meet your goals. As part of that process, we may collect information about you, known as nonpublic personal information, from you or from other entities, such as credit reporting agencies. Our handling and protection of nonpublic personal financial and medical information is governed by a wide range of state and federal laws and regulations. We do not disclose your information to third parties other than as allowed by law. 

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As a valued customer, we work hard to maintain your privacy and are very careful to preserve the private nature of our relationship with you.

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Information you provide to us is afforded the same protection whether we receive if from you in writing, by telephone, in conversation with one of our representatives, or via the Internet.

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As a matter of policy, we will only disclose your nonpublic personal financial information to other entities as permitted or required by law.

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CONFIDENTIALITY AND SECURITY

We maintain appropriate physical, electronic, and procedural safeguards to maintain the confidentiality and security of your nonpublic personal information.  We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you.

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Physical and electronic files are kept in secure areas.  We educate our employees about the importance of confidentiality and customer privacy.  We also enforce employee privacy responsibilities.

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INFORMATION COLLECTED

In the course of our business, we may collect the following nonpublic personal information about you:

• Information you provide you provide to us in the application process, including such things as your name, address, age, marital status, Social Security Number, annual income, and other financial information.

• Information about your transactions with us, our affiliates, or others, such as additional products or services purchased, etc.

• Information we receive from you or your authorized representative on applications or other forms, in interviews, or by other means, such as information on other insurance policies you may have.

• Information we receive from consumer or other reporting agencies, governmental agencies, employers or others, such as credit reports.

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This information allows us to establish and administer your accounts, satisfy certain regulatory requirements, and better understand you so that we may provide you with high quality products and services.

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CATEGORIES OF PARTIES TO WHOM WE MAY DISCLOSE INFORMATION

As a corporate policy, we do not share your non-public personal financial with any non-affiliated third parties for marketing purposes.  We will not share account numbers or policy numbers with nonaffiliated third parties for use in telemarketing, direct mail or e-mail marketing.  We will only disclose nonpublic personal information about you to certain nonaffiliated third parties, which perform necessary services connected with the administration of our business, or as otherwise permitted or required by law. We are highly selective in choosing these nonaffiliated third parties, and they do not receive access to your information without first agreeing in writing to maintain its confidentiality.  Additionally, these entities will not be authorized to use your information for any purpose other than that authorized by us and allowed by law. Should any of your policies with us terminate, and/or should you become a former customer, we will not disclose any nonpublic personal financial information about you to any nonaffiliated third parties.

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We may share your information with affiliated third parties as allowed by law. Upon your request, we will not share your information with any affiliated third parties.

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ACCURACY OF YOUR INFORMATION THAT WE POSSESS

We strive to maintain the accuracy of your information.  In order to help us maintain accuracy, you have the right to reasonably access your information.  If you believe any of your information in our possession is inaccurate you may request that we amend or delete the information that you believe to be erroneous.  If we concur with your conclusion, we will amend or delete the information in question.

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Toll Free: 877-346-1607

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Fax: 888-272-9502

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Email: administration@upstreamlife.us

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QUESTIONS

If you have any questions about our privacy practices and policy, please contact us at administration@upstreamlife.us.  All concerns will be handled discreetly and confidentially.