Privacy Policy

Introduction

Akins Advisory Partners LLC is committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, and safeguard your Personally Identifiable Information ("PII") to assist you in obtaining health and life insurance in Virginia.

Legal Authority to Collect Information

We collect and use personal information under the authority of the Affordable Care Act (ACA), applicable federal regulations, Virginia state insurance laws, and the rules governing Virginia’s Insurance Marketplace (the “Exchange”).

What Information Do We Collect?

To provide our services, we may collect the following types of PII:

• Name, address, and contact details (phone, email, etc.)
• Social Security Number and date of birth
• Household income, size, and marital status
• Employment information
• Health-related information necessary for insurance applications
• Any other information required to assist with your insurance needs

Why Do We Collect Your Information?

We collect your information to:

• Assist in completing your insurance applications
• Provide information about health and life insurance options
• Facilitate your enrollment in insurance plans
• Comply with applicable state and federal regulations

Your decision to provide information is voluntary. However, withholding necessary information may limit our ability to assist you effectively.

How Do We Use Your Information?

We use your PII solely for the purposes of:

• Helping you obtain insurance coverage
• Communicating with you about your application and enrollment
• Ensuring compliance with applicable legal and regulatory requirements

We will not use your information for any purpose unrelated to these services without your explicit consent.

Consent to Collect, Use, and Disclose Information

Before collecting, using, storing, or disclosing your information, we will request your consent (for example, by signed form, recorded verbal consent, or electronic acknowledgement). You may withdraw or limit your consent at any time.

• How to rescind consent: You or your authorized representative may rescind or narrow consent by emailing ryan@akinsadvisory.com or by mailing a written request to the address below. We will honor rescissions as soon as practicable.
• Record of disclosures: You may request a record of when and with whom we have disclosed your information. Contact us using the information below.

We will not use your information for any unrelated purpose without your explicit consent.

Do We Share Your Information?

We may share your PII with:

• Insurance providers and related entities involved in your coverage
• Federal or state agencies as required by law
• Service providers assisting us in delivering our services

We will not sell or disclose your information to third parties for marketing or other purposes without your consent.

You may request a record of disclosures related to your information by contacting us as described in the Contact Information section.

How Do We Protect Your Information?

Akins Advisory Partners LLC employs strict privacy and security measures to protect your PII. These include:

• Secure storage and transmission of data
• Limiting access to authorized personnel only
• Complying with federal and state privacy laws

Please avoid sending sensitive information via email, as email communication may not always be secure.

Is Providing Information Voluntary or Mandatory?

Providing information is generally voluntary; however, some data elements are required by law or by participating insurers to submit an application and enroll in coverage.

• Required information (examples): name, date of birth, Social Security Number, household size, address, and certain income details.
• Voluntary information (examples): optional contact preferences and other details that help us better assist you.

Effects of non-disclosure: If you choose not to provide required information, we may be unable to complete your insurance application or facilitate enrollment through the Exchange.

Your Rights

You have the right to:

• Access your personal information
• Correct inaccuracies in your data
• Withdraw or limit your consent for us to use your PII

To exercise these rights, contact us using the information below.

Changes to This Privacy Policy

We review this Privacy Policy at least annually and update it as needed to reflect changes in our practices or legal requirements. The latest version will always be available on our website.

Record Retention

As required by the Exchange, we maintain records of your consent and of application review/attestations for a minimum of ten (10) years and will provide them to the Exchange upon request.

Contact Information

For questions, concerns, or to exercise your privacy rights, please contact us:

You may also file a complaint with Virginia’s Insurance Marketplace (the Exchange) about our actions related to your information. If you need help contacting the Exchange, notify us and we will provide the current contact options.

If you believe your information has been compromised, you may also file a complaint with the Virginia Bureau of Insurance.