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Notice of Privacy Practices

Last updated: April 4, 2026

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

1. WHO IS COVERED BY THIS NOTICE

This Notice of Privacy Practices ("Notice") is provided by MajorFactors LLC ("Major Factors," "we," "us," or "our") in connection with the telehealth services facilitated through majorfactors.health. Medical services are provided by Beluga Health, a licensed telehealth medical group, and prescriptions are filled by Pharmacy Hub, a US-licensed 503A compounding pharmacy. This Notice applies to the health information we create or receive in our role as a Business Associate to these covered healthcare entities.

We are required by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and its implementing regulations to maintain the privacy of your Protected Health Information (PHI), to provide you with this Notice of our legal duties and privacy practices, and to abide by the terms of this Notice currently in effect.

2. WHAT IS PROTECTED HEALTH INFORMATION (PHI)

Protected Health Information is information that identifies you and relates to your past, present, or future physical or mental health condition, the healthcare services provided to you, or the past, present, or future payment for your healthcare. PHI includes your name, date of birth, address, medical history, prescriptions, lab results, and other health-related data.

3. HOW WE MAY USE AND DISCLOSE YOUR PHI

We may use and disclose your PHI for the following purposes without requiring your written authorization:

TREATMENT:

We may use and disclose your PHI to provide, coordinate, or manage your healthcare and related services. For example, we share your health information with Beluga Health providers to conduct telehealth consultations and with Pharmacy Hub to fill and ship your prescription.

PAYMENT:

We may use and disclose your PHI in order to bill for services and collect payment. For example, we may share information with payment processors to complete your transaction.

HEALTHCARE OPERATIONS:

We may use and disclose your PHI for operational purposes, including quality assessment, compliance reviews, training, and business management activities necessary to operate our telehealth platform.

AS REQUIRED BY LAW:

We will disclose your PHI when required to do so by federal, state, or local law, including in response to court orders, subpoenas, or government investigations.

PUBLIC HEALTH ACTIVITIES:

We may disclose your PHI for public health purposes, such as reporting communicable diseases to public health authorities or reporting adverse events to the FDA.

HEALTH OVERSIGHT ACTIVITIES:

We may disclose your PHI to health oversight agencies for activities authorized by law, such as audits, inspections, investigations, and licensure proceedings.

LAW ENFORCEMENT:

We may disclose your PHI to law enforcement in limited circumstances, including to comply with court orders, to identify or locate a suspect, or to respond to a request related to a crime or serious threat to health or safety.

SERIOUS THREATS TO HEALTH OR SAFETY:

We may use or disclose your PHI when necessary to prevent or lessen a serious and imminent threat to your health or safety or the health or safety of another person or the public.

BUSINESS ASSOCIATES:

We may share your PHI with third-party vendors ("Business Associates") who perform services on our behalf, such as technology hosting, analytics, or customer support. These vendors are required by contract to protect your PHI and use it only as directed.

4. USES AND DISCLOSURES THAT REQUIRE YOUR WRITTEN AUTHORIZATION

For uses and disclosures of your PHI not described in this Notice, we will obtain your written authorization before using or disclosing your information. This includes:

  • Most uses and disclosures of psychotherapy notes
  • Uses and disclosures of PHI for marketing purposes
  • Sale of PHI
  • Any other use or disclosure not permitted without authorization under applicable law

You have the right to revoke any authorization you provide at any time, except to the extent that we have already taken action in reliance on the authorization.

5. YOUR RIGHTS REGARDING YOUR PHI

You have the following rights with respect to your Protected Health Information:

RIGHT TO ACCESS:

You have the right to inspect and obtain a copy of your PHI maintained in a designated record set, including your medical and billing records. We may charge a reasonable fee for copies. We will respond to your request within 30 days.

RIGHT TO AMEND:

If you believe that PHI we hold about you is incorrect or incomplete, you may request an amendment. We may deny your request under certain circumstances, but will provide you with a written explanation of any denial.

RIGHT TO AN ACCOUNTING OF DISCLOSURES:

You have the right to request an accounting of certain disclosures of your PHI that we have made during the six years prior to your request. This right does not apply to disclosures for treatment, payment, healthcare operations, or disclosures you authorized.

RIGHT TO REQUEST RESTRICTIONS:

You have the right to request restrictions on how we use or disclose your PHI for treatment, payment, or healthcare operations purposes. We are not required to agree to your request, except that we must agree to a restriction if you request that we not disclose your PHI to a health plan for payment or healthcare operations purposes and the PHI pertains solely to a healthcare item or service for which you paid out-of-pocket in full.

RIGHT TO CONFIDENTIAL COMMUNICATIONS:

You have the right to request that we communicate with you about your PHI by alternative means or at alternative locations. We will accommodate reasonable requests.

RIGHT TO RECEIVE NOTICE OF BREACH:

You have the right to receive notification if there is a breach of your unsecured PHI as required by the HIPAA Breach Notification Rule.

RIGHT TO A PAPER COPY OF THIS NOTICE:

You have the right to request a paper copy of this Notice at any time, even if you have agreed to receive it electronically.

6. OUR DUTIES

We are required by law to:

  • Maintain the privacy and security of your Protected Health Information
  • Provide you with notice of our legal duties and privacy practices with respect to your PHI
  • Notify you following a breach of your unsecured PHI
  • Abide by the terms of this Notice currently in effect

We reserve the right to change our privacy practices and the terms of this Notice at any time, provided that such changes are permitted by applicable law. Any revised Notice will be effective for PHI we already maintain, as well as any PHI we receive in the future. We will post the current Notice on our website and make it available upon request.

7. HOW TO EXERCISE YOUR RIGHTS

To exercise any of the rights described in this Notice, please submit a written request to:

MajorFactors LLC — Privacy Officer
1621 Central Ave
Cheyenne, WY 82001
Email: [email protected]

We may require verification of your identity before processing any request. We will respond to requests within the timeframes required by HIPAA.

8. HOW TO FILE A COMPLAINT

If you believe your privacy rights have been violated, you may file a complaint with us or with the U.S. Department of Health and Human Services, Office for Civil Rights (OCR). To file a complaint with OCR, visit hhs.gov/ocr or call 1-800-368-1019.

We will not retaliate against you for filing a complaint.

9. EFFECTIVE DATE

This Notice of Privacy Practices is effective as of April 4, 2026. We reserve the right to change this Notice and to make any revised Notice effective for PHI we already maintain. The current Notice will always be available on our website at majorfactors.health.

10. CONTACT US

If you have questions about this Notice or about our privacy practices, please contact us at:

MajorFactors LLC
1621 Central Ave
Cheyenne, WY 82001
Phone: (307) 242-6153
Email: [email protected]