Effective Date: 10/01/2025
Last Updated: 11/14/2025

1. Introduction

Welcome to RM Health Advising (“we,” “us,” “our”). This Privacy Notice explains how we collect, use, disclose, and safeguard your personal information when you visit our website [rmhealthadvising.com] and when you apply for health insurance coverage through us. We are committed to protecting your privacy and securing your personal information.

We will not sell your personal information or use it for any purpose other than helping you find and apply for health insurance.

2. What Information We Collect

We may collect and maintain the following types of personal information when you contact us, complete applications, or otherwise interact with us:

• Identifying information: name, address, email, telephone number, date of birth, etc.
  
  

• Health‐insurance related information: health status, medical history, current coverage, medications, etc.
  
  

• Financial information: income, employment status, premium payment information, and similar data.
  
  

• Any other information you voluntarily provide to us in order to find or apply for health insurance coverage.
  
  

3. Why We Collect Your Information & How We Use It

We use your personal information solely in order to:

• Help you evaluate your health insurance options
  
  

• Assist with completing health insurance applications
  
  

• Communicate with you regarding your coverage, eligibility, and enrollment
  
  

• Comply with legal or regulatory requirements applicable to health insurance agents and brokers
  
  

• Protect our rights for legal and security purposes
  
  

We do not use your personal information for unrelated marketing, sale, advertising or other purposes beyond helping you obtain health insurance coverage.

4. Legal Basis & Compliance

• Under the federal Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), if we receive or handle protected health information (PHI) in connection with health insurance enrollment and you are our “client,” we will treat such information in accordance with applicable HIPAA privacy and security rules.
  
  

• Under the federal Gramm‑Leach‑Bliley Act (“GLBA”) and related regulations, as an insurance agent/broker we provide a privacy notice regarding nonpublic personal financial information when required. Federal Trade Commission+2IndependentAgent.com+2
  
  

• We also comply with applicable state insurance privacy laws (for example, in California under the California Insurance Information and Privacy Protection Act). California Department of Insurance+2California Department of Insurance+2
  
  

• We ensure that our website notice is “clear and conspicuous” and placed in a location where consumers can readily access it. Centers for Medicare & Medicaid Services+2NH Natural & Cultural Resources+2
  
  

5. Disclosure of Your Information

We will not sell your personal information to third parties under any circumstances.

We may share your personal information under the following limited circumstances:

• With insurance carriers or health plan providers in order to process your application or enroll you in a plan.
  
  

• If required by law, regulation, subpoena, court order, or government authority.
  
  

• To protect our rights, our clients, or others (for example, investigating fraud or illegal activity).
  
  

If we ever intend to share your information for a purpose other than assisting you with health insurance enrollment, we will give you notice and obtain your consent or provide an opportunity to opt-out, as required by law.

6. Your Rights & Choices

Depending on your state of residence, you may have rights such as:

• Accessing or obtaining a copy of the personal information we hold about you
  
  

• Requesting that we correct or update inaccurate or incomplete information
  
  

• Requesting deletion of your personal information (to the extent permitted by law)
  
  

• Opting out of certain disclosures if and when those are permitted by law
  
  

To exercise any of these rights, please contact us using the contact information in Section 10 below. We will respond in accordance with applicable law.

7. Security of Your Information

We maintain administrative, technical and physical safeguards designed to protect the confidentiality, integrity and availability of your personal information. Access to your information is restricted to our employees who need to know it in order to assist you. We regularly review our security procedures and update them as necessary.

8. Retention of Your Information

We will retain your personal information for as long as necessary to fulfill the purposes described in this Notice (helping you find and apply for health insurance), to comply with legal, regulatory or accounting requirements, or to protect our interests (e.g., defense of legal claims). After that, we will securely delete, destroy or de‐identify your data.

9. Cookies and Tracking Technologies (If applicable)

If we use cookies or similar tracking technologies on our website, we do not tie such tracking to personalization beyond what is necessary for website operation.

10. Contact Us

If you have questions, concerns or wish to exercise your rights, please reach out to us:
RM Health Advising
11623 Cavalier Landing Ct
Fairfax Virginia, 22030
Phone: 703-282-9922
Email: RMHealthAdvising@gmail.com

11. Changes to This Notice

We may update this Privacy Notice from time to time. We will post the updated version on our website and revise the Effective Date above. We encourage you to review the notice periodically. Your continued use of our website or our services after any revision constitutes your acceptance of the revised Notice.