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Privacy Policy

Effective March, 2016

The Blue Cross Blue Shield Global Core website is powered by Worldwide Insurance Services. Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York)(“WIS”) is committed to maintaining the privacy and security of your personal information.. This Privacy Policy applies to the Blue Cross Blue Shield Global Core website, and any WIS website (a “Website”), mobile application platform or mobile application (the “Mobile App”), that links to this Privacy Policy (collectively, the “WIS Services”). WIS respects the privacy of the healthcare providers accessed through our portal (“Providers”), subscribers to the WIS Services (“Members”) and Website visitors (“Visitors”). This Privacy Policy discloses WIS’s information collection and dissemination practices in connection with the WIS Services and applies solely to the information that we collect through the WIS Services. This Privacy Policy does not address personal information that you provide to us in other contexts (e.g., through a business relationship not handled through a Website or mobile application).


Acceptance of Privacy Policy


By using the WIS Services, you signify your acceptance of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the WIS Services. Your continued use of the WIS Services following the posting of changes to these terms implies that you accept those changes.


Personal Information Provided by You


WIS collects your personally identifiable information (“PII”) and protected health information (“PHI”) through the WIS Services when you voluntarily choose to provide such information, such as when registering to receive information and updates regarding the WIS Services. PII and PHI can include your name, address, telephone number, e-mail address, insurance carrier, and physician. Certain WIS Services may permit more extensive submission of PII and PHI from Members.


WIS provides the WIS Services on behalf of its health plan customers. As a result, WIS is subject to federal healthcare privacy and security standards under the Health Insurance Portability and Accountability Act (“HIPAA”). To the extent that the PII and PHI that you provide to WIS is “protected health information” subject to HIPAA, WIS will safeguard the privacy and security of that information in accordance with all applicable HIPAA requirements. WIS further complies with all other applicable U.S. laws and regulations for personal information we collect, use, process, transfer, and store.


Use and Disclosure of Personal Information


WIS will use your PII and PHI only to address your requests for information, products or services or in connection with providing you the WIS Services. WIS will not sell, rent, license, or trade your PII and PHI with third parties for their own direct marketing use unless we receive your express consent to do so. Unless you give us permission to do so, WIS will not share your PII and PHI other than as specified in this Privacy Policy.


Disclosures Related to Providing the WIS Services You acknowledge that WIS Services contain personal information relating to your claims and claims history. You specifically acknowledge that any person that has access to your password will have access to such claims information.

Disclosures to Third Parties Assisting In Our Operations. WIS may share your PII under confidentiality agreements with other companies that work with, or on behalf of, WIS to provide the products and services offered through www.bluecardworldwide.com, such as a cloud hosting service or a document storage company. However, these companies do not have any independent right to share this information.

Disclosures Under Special Circumstances. WIS may share your PII and PHI under confidentiality agreements with other companies that work with, or on behalf of, WIS to provide the products and services offered through www.bcbsglobalcore.com, such as a cloud hosting service or a document storage company. However, these companies do not have any independent right to share this information.

Business Transfers. We may share your PII and PHI with other business entities in connection with the sale, assignment, merger or other transfer of all or a portion of WIS’s business to such business entity. We will require any such successor business entity to honor the terms of this Privacy Policy.


Automatically Collected Information and Anonymous Information


Each time a visitor comes to a Website, WIS collects some information to improve the overall quality of the visitor’s online experience.

Aggregated Data. WIS collects aggregate queries for internal reporting and also counts, tracks, and aggregates the visitor's activity into WIS’s analysis of general traffic-flow at the Websites. To these ends, WIS may merge information about you into aggregated group data. In some cases, WIS may remove personal identifiers from PII and PHI and maintain it in aggregate form that may later be combined with other information to generate anonymous, aggregated statistical information. Such anonymous, group data may be shared on an aggregated basis with WIS’s affiliates, business partners, service providers and/or vendors; if it does so, WIS will not disclose your individual identity.

Web Server Logs and IP Addresses. An Internet Protocol ("IP") address is a number that automatically identifies the computer/machine you have used to access the Internet. The IP address enables our server to send you the web pages that you want to visit, and it may disclose the server owned by your Internet Service Provider. WIS may use IP addresses to conduct Website analyses and performance reviews and to administer the Websites.

Cookies and Web Beacons. Cookies are pieces of information that a website transfers to a user’s computer for purposes of storing information about a user’s preferences. Cookies in and of themselves do not personally identify users, although they do identify a user’s computer. Many websites use cookies as a standard practice to provide useful features when a user visits the website and most web browsers are set up to accept cookies. WIS uses cookies to improve your online experience when visiting the Websites. You can set your browser to refuse cookies, but some portions of a Website may not work properly if you refuse cookies. Some of the Websites’ web pages may use web beacons in conjunction with cookies to compile aggregate statistics about Website usage. A web beacon is an electronic image (also referred to as an “action tag,” “single-pixel,” or “clear GIF”) that is commonly used to track the traffic patterns of users from one web page to another in order to maximize web traffic flow and to otherwise analyze the effectiveness of Websites. Some web beacons may be unusable if you elect to reject their associated cookies.


Mobile App Automatically Collected Information


In addition, WIS may collect certain information automatically during the use of the Mobile App, including, but not limited to, the type of mobile device you use, your mobile devices unique device ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browsers you use, and information about the way you use the Mobile App.


Referrals/Links


The WIS Services contain links to third-party websites that may offer information of interest. This Privacy Policy does not apply to those websites, and WIS recommends reviewing those websites’ privacy policies individually.


Security


WIS understands that storing the data in a secure manner is essential. WIS stores PII, PHI and other data using industry standard physical, technical and administrative safeguards to secure data against foreseeable risks, such as unauthorized use, access, disclosure, destruction or modification. Please note, however, that while WIS has endeavored to create a secure and reliable website for users, the confidentiality of any communication or material transmitted to/from the Website or via e-mail cannot be guaranteed.

When registering as a Member, or when requesting, accepting or reviewing medical appointments, Members use the WIS secure server (the “Server”). This Server uses the same technology employed by many popular websites for the safe transmission of credit card data (use of the Secure Server requires that your browser supports Secure Socket Layer (SSL), as most popular browsers do). Through encryption that is created by SSL, the personal information users enter, including credit card numbers and social security numbers, cannot be read easily as the information travels over the Internet. Finally, Provider and Member information is protected by an authentication process and is accessible only upon presentation of the unique username and password.


Your Role in Protecting Your Privacy


You are responsible for maintaining the confidentiality of your WIS account password. Never share your WIS password with anyone you don’t want accessing your account. You agree that you will provide access to your password only to insured spouses and/or dependents and you agree any user of your password is bound by the terms set forth in this Privacy Policy and the Terms of Service. It is your sole responsibility to inform WIS of any need to deactivate a password.


Response to "Do Not Track" Signals


Some Internet browsers include the ability to transmit “Do Not Track” signals. Since uniform standards for “Do Not Track” signals have not yet been adopted, WIS does not process or respond to “Do Not Track” signals.


Children's Privacy Protection


Under Age 13

WIS understands the importance of protecting children's privacy in the interactive online world. The WIS Services, including the Websites and the Mobile App, are not designed for, or intentionally targeted at, children under 13 years of age. It is not our policy to intentionally collect or maintain information about anyone under the age of 13. No one under the age of 13 should submit any PII or PHI to WIS, a Website and/or the Mobile App.

Under Age 18

Minors under 18 years of age may have the PII and PHI that they have provided to WIS through the WIS Services deleted by sending an email to customerservice@bcbsglobalcore.com requesting deletion. Please note that, while we make reasonable efforts to comply with such requests, deletion of your personal information does not ensure complete and comprehensive removal of that data from all systems.


Changes


At certain locations on a Website or mobile application where information about you may be requested, the Website provides you the opportunity to opt-out of receiving communications from WIS. You may also review and request changes to your PII and PHI that WIS has collected, including the removal of your PII and PHI from WIS’s databases in order to prevent receipt of future communications or to halt receipt of the WIS Services, using any of the following options:

You can send your request via e-mail to: customerservice@bcbsglobalcore.com

You can mail your request to the following postal address:

Worldwide Insurance Services
c/o Customer Service
100 Matsonford Road
One Radnor Corporate Center, Suite 100
Radnor, PA 19087


Policy Updates


This Privacy Policy may be revised from time to time as we add new features and services, as laws change, and as industry privacy and security best practices evolve. We display an effective date on the policy in the upper right corner of this Privacy Policy so that it will be easier for you to know when there has been a change. If we make any change to this Privacy Policy regarding use or disclosure of PII and PHI, we will provide advance notice on this Website and in the Apple App Store and Google Play where the Mobile App may be downloaded. Small changes or changes that do not significantly affect individual privacy interests may be made at any time and without prior notice.


Questions?


If you have any questions about this Privacy Policy or about WIS's handling of your information, please contact customerservice@bcbsglobalcore.com or 1.855.682.7965