A policyholder asks an agent how Virginia's notice-of-information-practices duty under Va. Code § 38.2-604 differs from the use-and-disclosure restrictions under Va. Code § 38.2-613. Which explanation is correct?

Why D is correct

The two provisions do different jobs in Virginia's privacy framework. Va. Code § 38.2-604 is a transparency duty: the insurer must tell individuals how it collects, uses, and may disclose personal information. Va. Code § 38.2-613 is a conduct restriction: it governs when information may actually be used or disclosed. An insurer can give a flawless notice and still violate the disclosure limits — satisfying one provision never substitutes for the other, which is why both appear in the state's privacy architecture.

Why the other options are wrong

• A) The provisions are complementary, not identical; one mandates transparency about practices, the other restricts the practices themselves.
• B) Neither provision is line-specific in the way described; both address the insurer's handling of personal insurance information generally.
• C) The notice duty describes practices and rights; it does not require handing the complete file to anyone claiming to act for the individual.

Memory hook

Notice = show the map; disclosure rules = lock the doors. Two duties, one vault.