Privacy Policy

Last updated: April 4, 2026

1. INTRODUCTION

MajorFactors LLC ("Major Factors," "we," "us," or "our") operates the website majorfactors.health and related telehealth services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services, including telehealth consultations and prescription fulfillment for NAD+ therapy.

Our medical services are provided by Beluga Health, a licensed telehealth medical group. Prescriptions are filled by Pharmacy Hub, a US-licensed pharmacy. By using our services, you consent to the data practices described in this policy.

If you do not agree with the terms of this Privacy Policy, please do not access or use our services.

2. INFORMATION WE COLLECT

We collect information that you provide directly, information collected automatically, and information from third-party sources.

PERSONAL INFORMATION YOU PROVIDE:

Full name, date of birth, gender, email address, phone number, and mailing address
Payment and billing information (credit card numbers, billing address)
Government-issued identification when required for identity verification
Account credentials (username and password)

PROTECTED HEALTH INFORMATION (PHI):

Medical history, current medications, allergies, and health conditions
Information shared during telehealth consultations with healthcare providers
Prescription records and treatment plans
Lab results and diagnostic information

AUTOMATICALLY COLLECTED INFORMATION:

Device information (browser type, operating system, device identifiers)
IP address, geolocation data, and referring URLs
Usage data such as pages visited, time spent, and click patterns
Cookies and similar tracking technologies (see Section 6)

3. HOW WE USE YOUR INFORMATION

We use the information we collect for the following purposes:

To provide, maintain, and improve our telehealth services, including facilitating consultations with licensed healthcare providers through Beluga Health
To process prescriptions and coordinate fulfillment through Pharmacy Hub
To process payments and manage your account
To communicate with you about your treatment, appointments, prescriptions, and account
To comply with legal obligations, including HIPAA and state telehealth regulations
To detect, prevent, and address fraud, abuse, and security issues
To conduct analytics and research to improve our services (using de-identified data only)
To send marketing communications where you have opted in (you may opt out at any time)

4. HOW WE SHARE YOUR INFORMATION

We do not sell your personal information or protected health information. We may share your information with the following parties:

Beluga Health: Your medical information is shared with Beluga Health providers to deliver telehealth consultations, diagnoses, and treatment plans.

Pharmacy Hub: Prescription and shipping information is shared with Pharmacy Hub for prescription fulfillment and delivery.

Payment Processors: Billing information is shared with third-party payment processors to complete transactions. We do not store full credit card numbers on our servers.

Service Providers: We engage trusted third-party vendors for hosting, analytics, customer support, and email delivery. These providers are contractually obligated to protect your data and use it only as directed.

Legal Requirements: We may disclose information when required by law, subpoena, court order, or government request, or to protect the rights, safety, or property of Major Factors, our users, or the public.

Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

5. HIPAA COMPLIANCE

To the extent that we create, receive, maintain, or transmit protected health information (PHI) as defined under the Health Insurance Portability and Accountability Act of 1996 (HIPAA), we comply with HIPAA Privacy, Security, and Breach Notification Rules.

Our use and disclosure of PHI is governed by our Notice of Privacy Practices, which is available at majorfactors.health/hipaa-notice. In the event of a conflict between this Privacy Policy and our HIPAA Notice of Privacy Practices with respect to PHI, the HIPAA Notice will control.

We enter into Business Associate Agreements (BAAs) with all third-party vendors who handle PHI on our behalf, including Beluga Health, Pharmacy Hub, and our technology service providers.

6. COOKIES AND TRACKING TECHNOLOGIES

We use cookies and similar technologies to operate our website, analyze usage, and improve your experience. The types of cookies we use include:

Essential Cookies: Required for the website to function properly, including session management and security.
Analytics Cookies: Help us understand how visitors interact with our website so we can improve functionality and content.
Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness. These are only placed with your consent.

You can manage cookie preferences through your browser settings. Disabling essential cookies may affect your ability to use certain features of our website. We do not use cookies or tracking technologies to collect or track protected health information.

7. DATA SECURITY

We implement administrative, technical, and physical safeguards designed to protect your personal information and PHI against unauthorized access, alteration, disclosure, or destruction. These measures include:

Encryption of data in transit (TLS/SSL) and at rest
Access controls limiting data access to authorized personnel
Regular security assessments and vulnerability testing
Employee training on privacy and security practices
Incident response procedures for potential data breaches

While we strive to protect your information, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security.

8. DATA RETENTION

We retain your personal information and PHI for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Medical records are retained in accordance with applicable federal and state retention requirements, which may require retention for a minimum of six (6) to ten (10) years following the last date of treatment.

When data is no longer required, we securely delete or de-identify it in accordance with industry best practices.

9. YOUR RIGHTS AND CHOICES

Depending on your jurisdiction, you may have the right to:

Access the personal information we hold about you and request a copy
Correct inaccurate or incomplete personal information
Request deletion of your personal information, subject to certain legal exceptions
Opt out of marketing communications at any time
Request restrictions on how we use or disclose your PHI (subject to certain limitations)
Receive an accounting of certain disclosures of your PHI
File a complaint if you believe your privacy rights have been violated

For rights related to your protected health information, please refer to our Notice of Privacy Practices. To exercise any of these rights, please contact us using the information in Section 14.

10. CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)

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

Right to Know: You have the right to request disclosure of the categories and specific pieces of personal information we have collected about you, the categories of sources from which the information was collected, the business purpose for collecting the information, and the categories of third parties with whom we share the information.
Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions.
Right to Correct: You have the right to request correction of inaccurate personal information.
Right to Opt Out of Sale/Sharing: We do not sell your personal information. We do not share your personal information for cross-context behavioral advertising purposes.
Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA/CPRA rights.
Right to Limit Use of Sensitive Personal Information: To the extent we collect sensitive personal information, we use it only for purposes authorized by the CCPA/CPRA.

To exercise any of these rights, contact us at [email protected] or call us. We will verify your identity before processing your request.

11. CHILDREN'S PRIVACY

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

12. THIRD-PARTY LINKS

Our website may contain links to third-party websites or services that are not owned or controlled by Major Factors. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.

13. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by updating the "Last updated" date at the top of this page. Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of the updated policy.

14. CONTACT US

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

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

If you believe your privacy rights have been violated, you also have the right to file a complaint with the U.S. Department of Health and Human Services, Office for Civil Rights.