Privacy policy Your Consent Safeguards Maintained by GWSW to Protect Your Personally Identifiable and Protected Health Information Disclosure and Use of Your Protected Health Information and, Personally Identifiable Information • We receive your prior written authorization. Answers to questions about your medical history and physical condition are
required by our insurance carrier partners and will be released to the insurer so that they may underwrite your insurance
application. GWSW will not give or sell such information about you to any other company, individual, or group without your prior
authorization. Information and Personally Identifiable Information. GWSW only uses Information, including Personally Identifiable Information,
as allowed by law and as described herein. GWSW protects your Personally Identifiable Information by, for example: • Not disclosing Personally Identifiable Information about you to anyone, except as permitted by law. The law permits us to share certain Information with (i) our affiliates, (ii) non-affiliate insurance companies, group health
plans and insurance service providers, and (iii) companies that perform marketing services for us (including, without limitation,
licensed insurance agents and/or brokers). We will share such Information only as permitted by law, and this Information may or
may not include Personally Identifiable Information and/or Protected Health Information and may or may not be directly related to
our transaction with you. GWSW will use Information about you to help us better serve your insurance needs or to suggest GWSW services or insurance materials
that may be of interest to you. We may share your Information, which may or may not include Protected Health Information, as permitted by law, among insurance
companies, including for routine business administration. As permitted by law, we may share Information, which may or may not include
Protected Health Information, with non-affiliated companies such as firms that perform services on our behalf, including the
administration and marketing of our products. We require these companies to meet strict privacy standards. We may enter into alliances, partnerships or other business arrangements with third parties who may be given access to Personally
Identifiable Information including your name, address, telephone number and e-mail for the purpose of providing you information
regarding products and services that we think will be of interest to you. In connection with alliances, partnerships or arrangements, we may also provide certain information to third parties if we have
determined that the information will be used in a responsible manner by a responsible third party. We also use third parties to
facilitate our business, including, but not limited to, sending e-mail and processing credit card payments. In connection with
these offerings and business operations, our partners and other third parties may have access to your Personally Identifiable
Information for use in connection with such business activities. If you choose to send us an e-mail, we will do our best to respond to your request in a timely manner. We may use return e-mail
addresses you provide to send e-mails and to answer the e-mail we receive. We may forward your request on to third parties in
situations where we cannot answer your question and may also respond to your e-mail with offers or correspondence which we believe
may be relevant to you. If you choose to give us Personally Identifiable Information such as your zip code, e-mail, contact
information, etc., we may share this information with third parties to help answer your questions or fulfill your request. We
reserve the right to use such data provided to us for any legally permissible purpose. We may use our e-mail lists for sending
newsletters and other GWSW outbound communications, such as product information. We also reserve the right to use your Personally Identifiable Information to send you e-mails regarding system downtime and/or
changes to this Privacy Policy or the Terms and Conditions of Use and you are not permitted to opt out of receiving these e-mail
messages. Our management team uses non-personally identifiable information to improve the user experience for all Website visitors. We may
analyze site usage statistics to do things such as update our content, alter our navigation, or otherwise customize our site to
better serve our visitors. Though we will make every effort to preserve user privacy, we may need to disclose Personally Identifiable Information when
required by law, or if we have a good-faith belief that the action is necessary to comply with a pending judicial proceeding, a court
order or legal process served on GWSW or to protect our rights or the rights of others, to fight fraud, identity theft, to ensure
the integrity and operation of our organization and systems, or to protect the rights, property or safety of GWSW, its employees,
members or others. You do not need to call or do anything as a result of this Privacy Policy. It is meant to advise how we safeguard your Information,
including your Personally Identifiable Information and your Protected Health Information. The Personally Identifiable Information and Protected Health Information you submit to us through the Website may be processed by
us in the country where it was collected as well as other countries (including the United States) where laws regarding the processing
of such information may be less stringent than the laws in your country. Categories of Information That We Collect In the normal course of business, we may collect the following types of information: When you request more information about, health insurance or ancillary products, you may provide Information about yourself,
including your name, address, age, birthdate, gender, amount of coverage requested, phone number, e-mail address, and other items.
This Information is shared with relevant third-parties necessary to fulfill your request. We may share this Information with
insurance agencies, insurance brokers, and insurance companies. We do not share this Information with outside parties except
to the extent necessary to complete your request such as submitting your application to insurer(s). To the extent that Protected
Health Information is provided, such information will be used only as permitted by HIPAA. Insurance institutions and other service providers subscribe to our system and compete for the opportunity to provide insurance
products and services that match your inquiry. When you make an inquiry about an insurance product or enroll in an insurance
product and enter your personal information and click the “Submit” button, you are authorizing the sharing of your inquiry and
your Personally Identifiable Information entered with other businesses who provide insurance products or services that match your
inquiry. By submitting your Personally Identifiable Information to us, you are also authorizing these businesses to contact you
directly by e-mail and telephone with information about insurance products or services they offer that match your inquiry. You
expressly consent to receive phone calls whether or not you are on the Do Not Call list (federal or state). However, you should be aware that we have no control over how other businesses with whom we share your Personally Identifiable
Information may use such Information or whether they will sell or share your Information with third parties. Occasionally, GWSW may conduct marketing surveys or research to help us evaluate products, services, and the changing needs of
our customers. GWSW will only provide such third parties with non-personally identifiable information in connection with such
marketing surveys or marketing research. Cookies, Web Beacons, Clear Gifs, and IP Addresses Third-party Access and Use Accuracy of Your Information Other Websites and Links Our Commitment To Data Security Changes to the Privacy Policy Children Privacy How to Contact Us California Residents Privacy Rights
At GWSW.com (referred to herein as the “Website” or “GWSW”) we are strongly committed to protecting your privacy
and have established this Privacy Policy (“Privacy Policy”) which details how we use and protect your information. The terms “you”
and “your” when used in this Privacy Policy means any visitor to or user of the Website.
This Privacy Policy is intended to help you understand the online information security practices of GWSW. For additional details about
the Website and the information provided on the Website, please review our Terms and Condition of Use.
In viewing and using the Website, you understand that GWSW, as a marketer and GWSW, LLC as an enrollment administrator of web-based individual
and group health insurance plans and ancillary products, obtains certain information about you including non-personally identifiable
information that is collected in aggregate (i.e., website use information), certain “personally identifiable information” about you
that you provide as described herein (“Personally Identifiable Information”), and “protected health information”, which is information
about your health, medical history, or claims information that you provide to us (“Protected Health Information”). Personally,
Identifiable Information and non-personally identifiable information will be referred to as “Information” in this policy. You
understand that GWSW may use Information about you, including your Personally Identifiable Information and Protected Health Information,
subject to the terms of this Privacy Policy. This Information and Protected Health Information that may be collected includes
Information and Protected Health Information we may receive from you in connection with on-line forms and applications for, among
other things, insurance policies, insurance claims, insurance quotes, or other forms, information about your transactions with us
and information we may have received from a consumer reporting agency.
All Information and Protected Health Information collected from this Website is subject to applicable privacy laws and regulations
and will be handled as described in this Privacy Policy.
By using the Website and/or submitting Personally Identifiable Information and/or Protected Health Information through the Website,
you consent and agree to (i) the terms of this Privacy Policy, (ii) to the collection and use of Information and Protected Health
Information by GWSW pursuant to the terms of this Privacy Policy, and (iii) the GWSW Terms and Conditions of Use provided on the
Website.
We make every effort to protect your Personally Identifiable Information and Protected Health Information. GWSW protects your
Personally Identifiable Information and your Protected Health Information by maintaining physical, electronic, and procedural
safeguards that protect such information, including data encryption, usernames and passwords, and other security tools.
Protected Health Information. Because we are a business associate of certain health insurers and group health plans, we are
subject to many of the privacy and security requirements of the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”).
GWSW protects your Protected Health Information as required by HIPAA and GWSW will not disclose Protected Health Information that you
provide via the Website (e.g. information provided on an application or in connection with a policy or a claim) unless one or more of
the following conditions
• We verify that the prospective recipient is you or your authorized representative.
• We are required by law to disclose the information.
• The disclosure is permitted under HIPAA.
• Restricting access to your Personally Identifiable Information to authorized individuals who need to know this information
in order to provide services and/or products to you.
• Not allowing employees to share your Personally Identifiable Information outside GWSW except as authorized by you or for a
specific business purpose.
Certain materials and information provided by GWSW on the Website is available without GWSW collecting any Personally
Identifiable Information from you. However, GWSW does collect Personally Identifiable Information and/or Protected Health
Information that you provide voluntarily during the course of using the Website.
• Information you provide on applications and other forms (including your name and address), which may include Personally
Identifiable Information and/or Protected Health Information, including Information you might provide in connection with your
enrollment
• Data about your transactions with us (such as types of products you have purchased and your account status).
• Information gathered on our Website through online forms, site visit data and online information-collecting devices such
as “cookies” and as further described herein.
GWSW may also use a feature of your browser called a “cookie.” Your cookie automatically identifies your computer – but not you –
to our servers when you visit the Website and allows us to correlate your computer with certain usage patterns which are stored in
our log files. We may use cookies to gather general, aggregate statistics about the overall popularity and usage of the Website.
GWSW may also use more temporary cookies, often referred to as session cookies, to keep a user logged into the system and aid in
the exchange of information between pages without loss of data. Such a cookie, however, is only stored for the current browsing
session and is deleted once the browser is closed. Search for Cookies under your Web browser Help menu for more information on
cookie management features available to you. If your browser is set to reject all cookies, the Website may not function
properly.
GWSW may also collect information through the use of clear gifs (also called Web Beacons and Web Bugs) in selected e-mail messages
we send to you. These are tiny graphic files, not visible to the human eye, that are included in HTML-based e-mails and used to
let us know which e-mails we send are opened. Clear gifs may also see or read cookies on your computer. When authorized by GWSW,
third parties specializing in monitoring aggregate statistical use of the Website with whom we contract, may use cookies, our
web log files, web beacons, and other monitoring technologies to compile anonymous aggregate data.
Additionally, we may use IP address information to count and track aggregate visits to the Website, to help diagnose problems
with our server, and to administer the Website. GWSW does not link IP addresses to anything personally identifiable, so while a
particular user session can be tracked, the user remains completely anonymous.
Occasionally, we hire third-party service providers to help provide or improve the services we offer you. Sometimes it is
necessary for these providers to have access to the Personally Identifiable Information and/or Personal Health Information we
collect about you. In those cases, we take reasonable steps to ensure that these providers do not use or otherwise disclose any
Personally Identifiable Information we collect about you except for the purpose of fulfilling their service obligations to
us.
We may share aggregate information about Website users with certain third parties. This information shows user activity as a
whole rather than on an individual basis; such aggregate information cannot be used to individually identify you. We may use such
aggregated information we collect about Website users to continue to improve our service for you.
As permitted by law, we may disclose Information, which may or may not include Protected Health Information, to a buyer or other
successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or
all of GWSW assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which such
information is among the assets transferred. The acquiring entity will be subject to this Privacy Policy and to the law in its
use of your Information, including any possible use of your Personally Identifiable Information and Protected Health Information,
to the extent that any such information is transferred.
We strive to maintain the accuracy of Information, including Personal Health Information and Protected Health Information, that
is in our possession about you. In order to help us maintain accuracy, you have the right to reasonably access your Information,
including Protected Health Information. If you believe any Information in our possession, including any Protected Health
Information, is inaccurate, a request can be made to amend or delete such information that you believe to be erroneous. If we
concur with the request, we will amend or delete the information in question.
Certain users of the Website may review and make changes to some of the Personally Identifiable Information that we collect and
maintain online by simply logging in to the Website by inputting their username and password where indicated and following the
instructions provided.
You can also correct factual errors in your Personally Identifiable Information by sending us a request that clearly shows the
error that is to be corrected. Please contact us with such requests at: 1-800-979-8266 or memberservices@GWSW.com.
To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or
making corrections. In addition, you may be prompted at certain times on the Website to update and correct your Personally
Identifiable Information with us. It is your responsibility to keep the information that you provide to us current and
accurate.
The Website contains links to other websites that are not operated by GWSW. Please note that when you click on a link to one of
these sites, you are exiting the Website to go to another site. GWSW is not responsible for the content or privacy practices of
these websites. We suggest that you read the privacy policies of these sites, as their practices and policies may differ from
ours.
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of Personally Identifiable Information and
Protected Health Information, we have put in place reasonable physical, electronic, and managerial procedures to safeguard and
secure the Personally Identifiable Information we collect online and we make good faith efforts to store your Personally
Identifiable Information in a secure operating environment. We comply with HIPAA security requirements with respect to
safeguarding and securing your Protected Health Information. Unfortunately, no data transmission over the Internet can be
guaranteed to be absolutely secure. As a result, while we strive to protect your Personally Identifiable Information and Protected
Health Information, we cannot ensure or warrant the security of any information you transmit to us, and you do so at your own
risk. If GWSW provides you with a username and password to access portions of the Website, GWSW disclaims any responsibility for
a breach of privacy as a result of your willingly or inadvertently disclosing your username and password to others. GWSW further
disclaims any responsibility for a breach of privacy as a result of your willingly or inadvertently disclosing your policy
number(s) and social security number, which may in some instances be used to access Personally Identifiable Information or
Protected Health Information on the Website. If someone calls you, explains the call is on behalf of GWSW and asks for your
policy number or social security number, you should beware.
We encourage you to review this Privacy Policy not just the first time you visit the Website but periodically afterwards since
we may modify this Privacy Policy from time to time. The date of the last update of this Privacy Policy will always be posted
below:
THIS PRIVACY POLICY WAS LAST REVISED ON July 1, 2021.
If we make any substantive changes to this Privacy Policy in the future with regard to how we use your Personally Identifiable
Information or Protected Health Information, we will incorporate those changes here. Your continued use of the Website after the
changes are posted constitutes your agreement to the changes, both with regard to Information, including Protected Health
Information, we have previously collected from you and with regard to Information, including Protected Health Information, we
collect from you in the future. If you do not agree to the changes, please discontinue use of the Website. Lastly, if GWSW is
sold or merged with another company, your Personally Identifiable Information and Protected Health Information will be included
as part of the sale but unless you notified that the Privacy Policy is changed, your Personally Identifiable Information and
Protected Health Information will be maintained in the same manner.
The Website is not intended to be used by children and is not directed toward children under the age of 18. GWSW does not use the
Website to knowingly solicit data from or market to children under the age of 18. The Website does not sell products for purchase
by children. No person under 18 years of age should disclose information on the Website. If you are under 18, you may use the
Website only with the involvement of a parent or guardian.
Please visit www.consumer.ftc.gov/topics/kids-online-safety to learn more about protecting children privacy.
We appreciate your questions or comments about this Privacy Policy, the practices of the Website, or your dealings with GWSW.
Please send e-mail to: memberservices@GWSW.com you can send snail mail to: GWSW Plan LLC, 4201
Spring Valley Rd., Ste 1500, Dallas, Texas 75244, Toll Free Telephone: 1-800-979-8266. We encourage you to send us e-mail but
request that you do not send personal information such as account or social security numbers, as we cannot confirm the safety
and security of such details when sent via e-mail.
Companies that collect Personally Identifiable Information from California residents and disclose such information to third
parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a
list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a
mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second
option and you may request that your Personally Identifiable Information not be shared with third parties by sending your request,
including your full name, e-mail address and postal address to: memberservices@GWSW.com. In accordance with
California Civil Code Sec. 1798.83, California resident users are entitled to know that they may file grievances and complaints
with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254
or 800-952-5210; or by e-mail to dca@dca.ca.gov.