Terms of Use and Privacy Statement

Thank you for visiting our website. Blue Cross and Blue Shield of Texas (BCBSTX) is a Division of Health Care Service Corporation, a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association. Please read the following information in its entirety since they represent a binding agreement between you and BCBSTX.

BCBSTX has made reasonable efforts to present accurate information on this website; however it is possible that information found on this website may be out-of-date.

Any medical and health-related information presented on this website is general in nature. BCBSTX does not furnish or render professional health care services or medical care. Therefore, the information presented on this website is not a substitute for professional medical advice, diagnosis or treatment, nor is it intended to provide you with a specific diagnosis or treatment for a specific ailment. The information is made available to you for educational and informational purposes and does not constitute the practice of medicine and/or as a substitute for consultation with your personal health care provider, nor does it constitute an offer to sell or promote any product or service to non-Texas residents.

If you are applying for insurance through our website: The following information applies to the online premium credit estimating tool. This estimating tool is provided for information purposes only, and you are responsible for the accuracy of the information that you enter. Any results derived from the estimating tool should be used as a general guide only; your final Advanced Premium Tax Credit amount can only be received from the Health Insurance Marketplace.

When you are submitting or transferring data via this website, it is protected by Transport Layer Security (TLS) technology, the leading security protocol for data transfer on the Internet. Even though there are many benefits to using this website, as with all electronic communications there are some risks which may include:

• Failure of hardware, software and/or Internet connections; we are not responsible for failures, distortions, delays, or other problems resulting from equipment configuration, connection, signal power, hardware, software or any equipment used to access the Internet.
• No guarantee that the confidentiality or security of electronic transmissions via the Internet can be assured due to potentially unsecure computers and links. This could result in your data becoming lost or intercepted during transmission. Please use good judgment before deciding to send information via the Internet.

The website may offer you links to other websites, pages or iframes hosted by independent third parties. At times, BCBSTX works with such third parties to create the content on these websites; at other times, a link to these websites is provided solely as a resource or convenience for our users. Since these third-party websites are not hosted or maintained by BCBSTX, we do not make any guarantees or warranties as to the validity or accuracy of the information posted on these websites, or for any products or services that may be available on these websites. As a result, you agree that BCBSTX has no liability for any damages you may incur as a result of your use of or the information you receive from or submit to these third-party websites.

The use of these third-party websites may subject the user to separate binding agreements, including terms of use and privacy statements, which can be found on the third-party website if applicable. Be sure to read these additional agreements and statements and have a working understanding of the terms.

• Use any device or computer program that interferes or attempts to interfere with the operation of this website (e.g., hacking, denial of service attacks), including any activity that precedes attempts to breach security such as scanning, probing, or other testing or vulnerability assessment activity, or engaging in or permitting any network or hosting activity that results in the blacklisting or other blockage of our IP space;
• Copy, reprint, modify, lease, distribute, assign, sell content, license, reverse engineer or create derivative works retrieved from this website or any of the third-party websites we may provide links to;
• Use this website in a manner that may adversely affect this website's resources or its availability to others, or that violates any applicable law.

We know how important the security and privacy of data is to you. Therefore, please review the following statement which explains what data we collect, how we use the personal information you provide, and how we keep that information secure. "Personal information" refers to data that is unique to you such as name, birth date, address, email address, IP address and telephone number. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.

For purposes of this site, we may collect and use your email or phone/text number that you provide in order to respond to your inquiry or to send you information about a service or resource that you expressed interest in. We will continue to send your information unless you request us to stop or opt out. In addition, we may receive information from the third-party sites that you access through the BCBSTX site.

You may also decide to use your email or text number to ask us questions and provide comments about our website or services. You are encouraged to provide this feedback. We do share these messages with individuals in the organization who can appropriately respond; we may preserve the content of your message along with our response. At times, we may use a third-party vendor to determine if you open and use any information that we share via email, as well as to solicit your feedback through online surveys. Responding to these surveys is optional.

It is important to use good judgment when sending information to us via email or text. These messages may pass through private and public networks with varying levels of security. Some networks may have taken steps to secure these transmissions while others have not which could affect the privacy and integrity of the information you send.

In addition, to the information listed above, we also collect electronic data about you in order to provide a positive website experience, offer health care programs, products and services and report on user activity. The tools we use are listed below. Please be aware that none of these tools provide BCBSTX with the ability to read any data residing on your computer.

Cookies and tags are used on websites to gather information about how individuals use and navigate the website. Neither cookies nor tags can extract any personal information about you, nor can they read any data that resides on your personal computer or device. The data collected from these sources are used to recognize repeat users and track usage patterns. Specifically, we use "cookies," which are small pieces of information sent by a web server and stored by a member's web browser. Cookies allow the web server to maintain an active "session" with an individual user and track what users are accessing on the site.

The following are examples of how we use the information collected from these cookies and tags:

• Tracking resources and data accessed on the site
• Recording general site statistics and activity
• Troubleshooting website problems
• Tracking what tools users are accessing on the site
• We may combine any of this information with other information that we have about you for data analytics, reporting, and for informing you of our products and services, but only as permitted by law

These Terms of Use and your use of our website are governed exclusively by the laws of the State of Texas, without reference to its rules regarding choice of law.

You agree that you use this website at your own risk. BCBSTX and its licensors have no liability for any damages (whether direct or indirect, special, incidental, consequential or punitive) incurred by you as a result of your use of this website or the information you receive from or submit to this website.

BCBSTX and its licensors shall have no liability whatsoever for failure of electronic or mechanical equipment or communication, telephone or other connection problems, computer viruses, unauthorized access or interception of data from this website, theft or errors.

All right, title and interest in the content (including software, text and images) and other intellectual property (including trademarks, service marks and copyrights) on this website are solely and exclusively the property of BCBSTX or its licensors, and are protected by intellectual property laws. Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. You acknowledge that content available through the website, including, without limitation, content of third parties is protected by copyright, trademark, patent or other intellectual proprietary rights and laws.

Evolving regulatory, technology and/or other considerations will require us to update or amend our Terms of Use and Privacy Statement from time to time; the version date located at the bottom of this page will reflect the last time that they were updated. Please review the updated version so that you understand the changes that have been made that pertain to your use of the website.