Frequently Asked Questions

The Court has preliminarily approved a settlement in a lawsuit pending in the United States District Court for the Northern District of Illinois, entitled Maria Delgado, on behalf of herself and all others similarly situated, v. Cardinal Point Administrators, Inc., Case No. 1:24-cv-06215 (the "Action").

You received a Notice because Cardinal Point's records indicate that you were sent notice that your personal information may have been affected by the data security incident that Cardinal Point announced on or about May 15, 2024. You are a member of the Settlement Class.

The purpose of the Notice is to inform you about the proposed Settlement and explain your rights and options.

Plaintiff Maria Delgado filed the Action on June 18, 2024. The lawsuit arises from a data security incident in which an unauthorized third party gained access to Cardinal Point's network on or about January 12, 2024 and obtained files containing the personal information of participants in the employer-sponsored health and benefits plans that Cardinal Point administers.

According to the Notice, the information involved may have included names, addresses, dates of birth, Social Security numbers, health plan identification numbers, and certain claims or treatment information. The lawsuit alleges negligence, negligence per se, breach of implied contract, and unjust enrichment, and claims that Cardinal Point failed to adequately safeguard the information and delayed in providing notice of the incident.

Cardinal Point denies all material allegations and any wrongdoing or liability, and would continue to assert numerous defenses if the case proceeded.

The Parties explored resolution frameworks that took into account the strengths and weaknesses of the claims, the developing law regarding data breach litigation, and the risks and expense of continued litigation. As a result of extensive arm's-length negotiations, including a mediation before an experienced neutral mediator, the Parties reached an agreement in principle on March 30, 2026.

The Court granted Preliminary Approval of the Settlement on August 25, 2026. The Settlement is a compromise of disputed claims. Nothing in the Settlement is, or may be construed as, an admission by Cardinal Point of any wrongdoing or liability.

Apex Class Action, LLC has been retained as the independent Settlement Claims Administrator. The Settlement Administrator is responsible for sending the Notice and Election Form, maintaining this website, receiving Election Forms, Opt-out Statements, and objections, and distributing settlement payments.

You may contact the Settlement Administrator at 1-800-355-0700 or support@apexclassaction.com.

You are a member of the Settlement Class if you fit the following description:

All individuals residing in the United States who were sent notice by Cardinal Point Administrators, Inc. that their personal information may have been compromised in the data security incident that Cardinal Point announced on or about May 15, 2024.

If you received a Notice of this proposed Settlement, Cardinal Point's records indicate that you are a member of the Settlement Class.

The following are not eligible to receive a payment: Cardinal Point's officers and directors; the judges presiding over the Action and the members of their immediate families; and any individual who submits a timely and valid request to be excluded (opt out) from the Settlement. Individuals whose Notice was returned as undeliverable and for whom no valid mailing or email address can be located may not receive a payment.

The material terms of the Settlement are as follows:

1. Cardinal Point Administrators, Inc. has agreed to pay $4,250,000.00 as the Cash Settlement Fund. This amount will fund all payments to be made under the Settlement.
2. Class Counsel will apply to the Court for attorneys' fees of no more than $1,416,666.66 and reimbursement of reasonable litigation costs and expenses not expected to exceed $75,000.00.
3. Class Counsel will also request a Service Award of no more than $5,000.00 for the Named Plaintiff, Maria Delgado, in recognition of her service to the Class.
4. The costs and fees of the Settlement Claims Administrator will be paid from the Cash Settlement Fund.
5. After Court-approved deductions for attorneys' fees and costs, the Service Award, and administration costs, the remaining balance – the Net Settlement Fund – will be distributed to eligible Class Members who do not opt out.
6. Every Class Member is also eligible to enroll in three (3) years of complimentary credit monitoring and identity-theft protection services at no cost.
7. In exchange, Class Members who do not opt out will release the claims described in the Settlement Agreement.

Nothing. You are not required to take any affirmative steps to participate. If you are an eligible Class Member and do not opt out, you will automatically receive a payment after the Court grants Final Approval.

You may choose how you would like to be paid by submitting the Election Form by October 26, 2026. Options include a physical check, Venmo, PayPal, or another reasonably available method. You may submit the Election Form by First Class mail, fax, email, or online through the Electronic Payment page. If you do not return an Election Form, a physical check will be mailed to you.

The Net Settlement Fund will be allocated to eligible Class Members on a pro rata basis. The Settlement Administrator will prepare the calculations, which will be approved by the Parties, and each eligible Class Member who does not opt out will receive a proportionate share of the Net Settlement Fund.

All payments, whether made electronically or by physical check, will be issued only after the Court grants Final Approval of the Settlement and any appeals (if filed) are resolved. The Settlement Administrator will distribute payments within 30 days after the Final Effective Date.

If you receive a physical check, you will have 180 days from the date on the check to cash it. Checks will be void after 180 days unless you request reissuance before the check expires. Any amounts remaining after that time will be redistributed on a pro rata basis to participating Class Members if economically feasible, or otherwise paid to a Court-approved cy pres recipient dedicated to consumer data privacy and identity-theft protection. No settlement funds will revert to Cardinal Point.

If you do not opt out, you will release all claims arising out of or in any way relating to the data security incident that Cardinal Point announced on or about May 15, 2024, including all claims that were brought or could have been brought in the Action. This is called the "Released Claims" and is described in full in the Settlement Agreement.

The Released Parties include Cardinal Point Administrators, Inc. and its current, former, and future parents, predecessors, successors, affiliates, assigns, subsidiaries, divisions, and related corporate entities, and their respective employees, officers, directors, administrators, insurers, attorneys, and others as set forth in the Settlement Agreement.

If you do not want to be part of the Settlement, you must submit a written, signed Opt-out Statement to the Settlement Administrator. To be valid, the Opt-out Statement must include your name, address, and telephone number, and a statement indicating that you intend to opt out of the Settlement.

Your Opt-out Statement must be mailed by First Class U.S. Mail, postage prepaid, and postmarked on or before October 26, 2026, or submitted through this website by that date. If you opt out, you will not receive a settlement payment and will not be bound by the release.

If you are a Class Member and you believe the Settlement is unfair or unreasonable, you may object. Your objection must be in writing and mailed to the Settlement Administrator by First Class Mail, postage prepaid, postmarked on or before October 26, 2026. Your objection must include:

1. your name, address, and telephone number;
2. an explanation of the basis upon which you claim to be a Class Member;
3. all grounds for the objection, including citations to legal authority and evidence supporting the objection;
4. the name and contact information of any attorney representing, advising, or assisting you with the objection;
5. a statement indicating whether you intend to appear at the Fairness Hearing, either personally or through counsel;
6. copies of any papers, briefs, declarations, affidavits, or other documents upon which the objection is based;
7. a list of any other objections you or your counsel have submitted to any class action in any state or federal court in the previous five years (or a statement that no such prior objection has been made); and
8. your signature, in addition to the signature of your attorney (if any).

Failure to include any of this information may be grounds for overruling or striking the objection. Class Members who opt out may not object. You may withdraw your objection at any time.

The Court has scheduled a Final Approval (Fairness) Hearing for December 17, 2026, at 11:00 a.m., before the United States District Court for the Northern District of Illinois, 219 South Dearborn Street, Chicago, Illinois 60604, in Courtroom 2103. If there are objections, the Court will consider them then, and the Judge will decide whether to hear any issues that are properly raised. At the Final Approval Hearing, the Judge will ultimately decide whether to approve the Settlement.

You do not need to attend the Fairness Hearing. If you submitted a timely written objection, you may ask to speak at the hearing, either personally or through an attorney who files an appearance with the Court. The hearing date may be changed without further notice, so please check this website for updates.

The Court appointed Sarah J. Whitman and Daniel R. Keller of Whitman Keller LLP, and David P. Osei of Osei Consumer Law Group, PLLC, as Class Counsel. You will not be charged separately for their services; Class Counsel's fees and costs will be paid from the Cash Settlement Fund as approved by the Court. You may hire your own attorney at your own expense if you wish.