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Hopkins Financial (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Statement explains how we collect, use, disclose, and safeguard consumer information in compliance with the Affordable Care Act (ACA), the Health Insurance Portability and Accountability Act (HIPAA), the Virginia Consumer Data Protection Act (VCDPA), and all other applicable federal and state laws.

1. Legal Authority to Collect Information

We collect personal information as authorized by:

• The Affordable Care Act (ACA) (42 U.S.C. § 18001 et seq.).

• The Health Insurance Portability and Accountability Act (HIPAA) and its implementing regulations.

• The Virginia Consumer Data Protection Act (VCDPA).

• Other applicable state and federal insurance and consumer protection laws.

2. Information We Collect (Minimum Necessary Only)

We only collect the information strictly necessary to provide insurance and financial services or to comply with legal requirements. This may include:

• Personal identifiers: name, date of birth, address, phone number, email.

• Identity verification: Social Security number or taxpayer ID (when legally required).

• Eligibility information: household size, income, employment status (only if required for ACA or Medicaid/CHIP eligibility).

• Insurance information: current or prior health coverage details, plan selections.

• Health-related details: only if directly relevant to coverage eligibility or plan enrollment (e.g., Medicare enrollment questions).

We do not request or retain information that is unrelated to providing these services.

3. Purpose of Collection

Information is collected solely for:

• Determining eligibility for insurance and financial products.

• Completing enrollment in Marketplace, Medicare, or private insurance plans.

• Assisting with retirement and financial planning where requested.

• Meeting federal and state compliance obligations.

4. Notice and Consent

We provide notice at the time of collection regarding what information is required. By providing information, you consent to its use for the purposes described. In cases where the law requires explicit authorization (e.g., HIPAA authorizations), we will obtain your written consent before using or disclosing your information.

5. Use and Disclosure of Information

Your information will only be used or disclosed as necessary to:

• Process applications and enroll you in coverage.

• Communicate with you about your plan, benefits, and services.

• Comply with audits, reporting, and legal obligations.

• Share with authorized agencies or insurance carriers to complete your enrollment.

We do not sell your information, and we do not use it for unrelated marketing.

6. Who May Receive Information

Your information may be shared only with:

• Government agencies (such as the Health Insurance Marketplace, CMS, Virginia Bureau of Insurance) for eligibility and compliance.

• Insurance carriers for enrollment and servicing of your policy.

• Authorized service providers who assist us in providing services, bound by confidentiality and security obligations.

You may request a record of disclosures by contacting us at [Insert Contact Information].

7. Data Security

We maintain strict safeguards to protect your data, including encryption, secure storage, and restricted access, in compliance with HIPAA Security Rule and industry best practices.

8. Voluntary vs. Mandatory Collection

Some information (such as Social Security number, household income, or prior coverage) is required by law to determine eligibility. Other information is optional, and you will be informed when it is not mandatory.

9. Consequences of Non-Disclosure

If you choose not to provide required information, we may not be able to determine eligibility, complete enrollment, or provide certain services.

10. Complaints

If you believe your privacy rights have been violated, you may file a complaint with:

• Hopkins Financial Privacy Officer – [Insert Contact]

• U.S. Department of Health and Human Services, Office for Civil Rights (for HIPAA concerns)

• Virginia Bureau of Insurance (for insurance-related privacy concerns)

• Health Insurance Marketplace (CMS) (for ACA-related concerns)

We will not retaliate against you for filing a complaint.

11. Your Rights

You have the right to:

• Access and obtain a copy of your information.

• Request corrections of inaccurate information.

• Request an accounting of disclosures of your health information.

• Request deletion of personal data where permitted under Virginia law.

• Opt out of certain uses of personal data (Hopkins Financial does not sell data or use it for targeted advertising).

To exercise your rights, contact us at [Insert Contact Information].