Privacy Policy | HarborIQ

This Privacy Policy describes how Wrkstream LLC ("HarborIQ," "we," "us," or "our") collects, uses, and shares information about you when you use our website www.harboriq.co and our HarborIQ platform (collectively, the "Services").

Last Updated: March 20, 2026

1. Information We Collect

Information You Provide to Us

We collect information you provide directly to us, including:

Account Information: Name, email address, phone number, company name, and password when you create an account
Payment Information: Billing address and payment method details (processed securely by our payment processor)
Business Data: Client information, policy details, carrier data, and other information you input into the HarborIQ platform
Communications: Information you provide when you contact us for support or feedback

Information We Collect Automatically

When you use our Services, we automatically collect:

Usage Information: Pages viewed, features used, time spent on pages, and navigation paths
Device Information: IP address, browser type, operating system, device identifiers
Log Data: Access times, error logs, and other system activity
Cookies and Similar Technologies: We use cookies and similar tracking technologies to provide and improve our Services

2. How We Use Your Information

We use the information we collect to:

Provide, maintain, and improve the HarborIQ platform
Process transactions and send related information
Send technical notices, updates, security alerts, and support messages
Respond to your comments, questions, and requests
Develop new features and services
Monitor and analyze trends, usage, and activities
Detect, prevent, and address technical issues and security threats
Comply with legal obligations

3. How We Share Your Information

We may share information about you in the following circumstances:

Service Providers: We share information with third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, and hosting services
Business Transfers: We may share information in connection with a merger, acquisition, or sale of assets
Legal Requirements: We may disclose information if required by law or in response to valid requests by public authorities
With Your Consent: We may share information with your consent or at your direction

We do not sell your personal information. Your client and business data belongs to you, and we treat it with the highest level of confidentiality.

4. Data Security

We implement appropriate technical and organizational measures to protect the information we collect and process. This includes:

Encryption of data in transit and at rest
Regular security assessments and testing
Access controls and authentication requirements
Regular security training for our team

However, no security measures are perfect, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

5. Data Retention

We retain your information for as long as your account is active or as needed to provide you Services. If you wish to delete your account or request that we no longer use your information, please contact us at team@wrkstream.com. We will retain and use your information as necessary to comply with legal obligations, resolve disputes, and enforce our agreements.

6. Your Rights and Choices

Depending on your location, you may have certain rights regarding your information:

Access: Request access to the personal information we hold about you
Correction: Request correction of inaccurate information
Deletion: Request deletion of your information
Portability: Request a copy of your information in a portable format
Objection: Object to certain processing of your information
Restriction: Request restriction of processing in certain circumstances

To exercise these rights, please contact us at team@wrkstream.com. We will respond to your request within a reasonable timeframe.

Cookies

Most browsers accept cookies by default. You can usually choose to set your browser to remove or reject cookies. Please note that if you choose to remove or reject cookies, this may affect the availability and functionality of our Services.

7. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Right to know what personal information we collect, use, disclose, and sell
Right to request deletion of personal information
Right to opt-out of the sale of personal information (we do not sell personal information)
Right to non-discrimination for exercising your rights

To exercise these rights, please contact us at team@wrkstream.com or call (630) 942-3340.

8. International Data Transfers

HarborIQ is based in the United States. If you are accessing our Services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. By using our Services, you consent to the transfer of your information to the United States.

9. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by email or by posting a notice on our website prior to the change becoming effective. We encourage you to review this Privacy Policy periodically to stay informed about our information practices.

11. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

Wrkstream LLC
535 Duane Street
Glen Ellyn, Illinois 60137

Email: team@wrkstream.com
Phone: (630) 942-3340