Privacy Policy — Heather Hudec | Your Financial Advocate

Effective Date: January 1, 2026

1. Introduction

Heather Hudec, operating as "Your Financial Advocate" ("we," "us," or "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services. Please read this policy carefully. By accessing our website or providing your information, you consent to the practices described herein.

Heather Hudec is a licensed independent insurance agent (License No. PL144254) providing federal benefits education services. We are not affiliated with the U.S. Office of Personnel Management (OPM) or any federal agency.

2. Information We Collect

2.1 Personal Information You Provide

We may collect personal information that you voluntarily provide when you:

Fill out a contact or consultation request form
Schedule a free education session
Communicate with us via email, phone, or other channels
Submit documents such as SF-50 forms or benefit statements for review

This information may include your name, email address, phone number, mailing address, federal employment details, benefit election information, and any other information you choose to share.

2.2 Information Collected Automatically

When you visit our website, we may automatically collect certain information, including your IP address, browser type, operating system, referring URLs, pages viewed, and the dates/times of your visits. We may use cookies and similar tracking technologies for analytics purposes.

3. How We Use Your Information

We use the information we collect for the following purposes:

To provide federal benefits education and consultation services
To respond to your inquiries and schedule appointments
To personalize your experience and improve our services
To comply with legal and regulatory obligations
To send administrative information, such as updates to our policies
To protect our rights and the rights of our clients

4. Legal Basis for Processing (GDPR Compliance)

If you are located in the European Economic Area (EEA), our legal basis for collecting and using your personal information depends on the specific data and context. We typically process your information based on:

Consent: You have given clear consent for us to process your personal data for a specific purpose.
Legitimate Interests: The processing is necessary for our legitimate interests (e.g., providing education services) and your interests and fundamental rights do not override those interests.
Legal Obligation: The processing is necessary for compliance with a legal obligation.

5. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

Service Providers: With trusted third-party service providers who assist us in operating our website and conducting our business, subject to confidentiality agreements.
Legal Requirements: If required to do so by law or in response to valid legal requests by public authorities.
Protection of Rights: To protect our rights, privacy, safety, or property, or that of our clients or the public.
Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These include secure socket layer (SSL) encryption, access controls, and regular security assessments. However, no method of transmission over the Internet or electronic storage is 100% secure.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this policy, or as required by applicable laws and regulations. When we no longer need your information, we will securely delete or anonymize it.

8. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

Access: Request a copy of the personal data we hold about you.
Correction: Request correction of inaccurate or incomplete data.
Deletion: Request deletion of your personal data, subject to legal obligations.
Restriction: Request restriction of processing in certain circumstances.
Data Portability: Request a copy of your data in a structured, machine-readable format.
Objection: Object to the processing of your personal data for direct marketing purposes.
Withdrawal of Consent: Withdraw consent at any time where processing is based on consent.

To exercise any of these rights, please contact us using the information in Section 12.

9. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand where our visitors come from. You can control cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain website features.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information, we will take steps to delete such information promptly.

12. Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Heather Hudec — Your Financial Advocate
Phone: (904) 703-9572
Email: hudat2315@gmail.com
License No. PL144254

13. Changes to This Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Changes will be effective immediately upon posting to this page with an updated "Effective Date." We encourage you to review this policy periodically for any changes.

14. Compliance and Regulatory Disclosures

Heather Hudec is an independent licensed insurance agent. This Privacy Policy is designed to comply with applicable federal and state privacy laws, including but not limited to the Gramm-Leach-Bliley Act (GLBA) and state insurance privacy regulations. We do not share non-public personal information with non-affiliated third parties except as permitted by law.

California Residents: If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights regarding your personal information, including the right to know what personal information we collect and the right to request deletion of your personal information.

Last updated: January 1, 2026