Privacy Policy

Website Privacy Policy

Last modified: May 13, 2022

Introduction

Western Growers Assurance Trust (“WGAT”) respects your privacy and is committed to protecting it through our compliance with this Website Privacy Policy.

This policy describes the types of information we may collect from you or that you may provide when you visit our website, www.wgat.com (“website“) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

On this website.
In email, text, and other electronic messages between you and this website.

It does not apply to information collected by:

Us offline or through any other means, including on any other website operated by us or any third party (including our affiliates and subsidiaries); or
Any third party, including through any application or content (including advertising) that may link to or be accessible from or on the website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. By accessing or using this website, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy); your continued use of this website after we make changes is deemed to be acceptance of those changes.

Children Under the Age of 18

Our website is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this website or through any of its features, register on the website, use any of the interactive or public comment features of this website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us by email at [email protected].

California residents under 16 years of age may have additional rights regarding the collection and sale of their personal information. Please see Your California Privacy Rights for more information.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our website, including information:

By which you may be personally identified, such as name, postal address, e-mail address, or telephone number (“personal information“); and/or
About your internet connection, the equipment you use to access our website, and usage details.

We collect this information:

Directly from you when you provide it to us.
Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
From third parties, for example, our business partners.

Information You Provide to Us

The information we collect on or through our website may include:

Information that you provide by filling in forms on our website. This includes information provided when you request further services. We may also ask you for information when you report a problem with our website.
Records and copies of your correspondence (including email addresses), if you contact us.
Your search queries on the website.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to our website, including the date and time of your visit, the pages you visit, the amount of time you spend on each page, and other communication data and the resources that you access and use on the website.
Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically does not include personal information. It helps us to improve our website and to deliver a better and more personalized service; for example, it enables us to:

Estimate our audience size and usage patterns.
Store information about your preferences, allowing us to customize our website according to your individual interests.
Speed up your searches.
Recognize you when you return to our website.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our website.
Flash Cookies. Certain features of our website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
Web Beacons. Pages of our website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or for other related website statistics, such as recording the popularity of certain website content or verifying system and server integrity.

We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.

To change your cookie preferences, click the green cookie icon on the lower left of the website to reach the Privacy Preference Center.

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications on the website are served by third parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

To present our website and its contents to you.
To provide you with information, products, or services that you request from us.
To fulfill any other purpose for which you provide it.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
To notify you about changes to our website or any products or services we offer or provide through it.
In any other way we may describe when you provide the information.
For any other purpose with your consent.

Disclosure of Your Information

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

To our subsidiaries and affiliates.
To contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
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 WGAT’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by WGAT about our website users is among the assets transferred.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.

We may also disclose your personal information:

To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
To enforce or apply our terms of use and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of WGAT, our customers, or others.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
Promotional Offers from the Company. If you do not wish to have your information used by the Company to promote our own or third parties’ products or services, you can opt-out by sending us an email stating your request to [email protected]. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI“) on the NAI’s website.

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.

Accessing and Correcting Your Information

You can review and change your personal information by logging into HealthView and visiting your account profile page.

You may also send us an email at [email protected] to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.

Your California Privacy Rights

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit the California Consumer Privacy Act (CCPA) website at www.oag.ca.gov/privacy/ccpa.

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits California residents who use our website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to [email protected] or write us at: Western Growers Assurance Trust, 6501 Irvine Center Dr, Suite 100, Irvine CA 92618.

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any personal information will be encrypted.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the website.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you through a notice on the website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for periodically visiting our website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at:

Western Growers Assurance Trust

6501 Irvine Center Dr
Suite 100
Irvine CA 92618

[email protected]

or via our toll-free number:

800.777.7898

TERMS OF USE

The following provisions (“Terms of Use”) govern your use of the Western Growers Assurance Trust (WGAT) website. By accessing, viewing, or using the material on this website, you acknowledge that these Terms of Use are the legal equivalent of a signed, written contract and that you agree to be legally bound by them.

WGAT has a Privacy Policy that describes the information we collect about visitors and how we use it, the steps we take to secure the information we collect, how you can view and correct such information, and how you can decline to have information about you collected or used.

Intellectual Property

All material contained in this website is protected by law, including but not limited to, United States copyright law. WGAT is the owner of the copyright of the entire content, as well as individual components, of www.wgat.com unless indicated, and actively and aggressively enforces its intellectual property rights. You may not remove or alter the copyright notice on any material on the website. You may not use any content from this website for commercial purposes without the prior written consent of WGAT. Except as indicated, all trademarks, service marks or other logos found on its website are owned by WGAT. You may not use or misuse these trademarks, service marks or logos, and doing so may violate federal and state law.

User Information

As a user of this website, you may be invited to provide private information. You are responsible for ensuring the accuracy of this information, and you are responsible for maintaining the safety and security of your identifying information and for all activities that occur under your account or password.

If you think there may be an issue regarding the security of your information on the website, inform us immediately so we may investigate and address the issue.

Applicable Law and Jurisdiction

These Terms of Use will be governed by and construed in accordance with the laws of the State of California. By accessing, viewing, or using the material on the website, you consent to the jurisdiction of the federal and state courts presiding in Orange County, California, and agree to accept service of process by mail and hereby waive any jurisdictional and venue defenses otherwise available.

Indemnification

You agree to indemnify WGAT and its affiliates, representatives and employees and hold them harmless against legal claims and demands that may arise from your use or misuse of this website and any breach by you of these Terms of Use.

Disclaimer of Warranty and Liability

You agree that use of this website is at your own risk. WGAT is not responsible for any damages that may occur to you as a result of your reliance on any information contained on the website. All materials on the website are provided with no warranty of any kind, either express or implied.

No Solicitation or Offer

This website is designed to provide general information about WGAT and its products and services. Information on the website is not intended to constitute an offer to sell or a solicitation of any particular product or service.

Communications With Our Website

WGAT welcomes your feedback and suggestions about how to improve our products and services and this website. By transmitting any feedback or suggestions, you automatically grant WGAT the right to use or develop, royalty free, any ideas or suggestions contained in any communication you send to or about the website.

No Advice

Your use of the WGAT website does not establish a doctor-patient or attorney-client relationship between you and WGAT. The information in this website is for general informational purposes only. Nothing expressed or implied on the website is intended as medical or legal advice or guidance. Questions about medical issues referenced on this website should be addressed to appropriate healthcare professionals. Questions about a law, regulation, or legal requirement referenced on the website should be addressed to your own legal counsel.

Confidentiality of Communications to Western Growers Assurance Trust

The confidentiality of any communication you send to WGAT via the website or email, including communications that include personal information, cannot be guaranteed. To ensure that your personal information remains private, you may also contact WGAT by telephone at (800) 777-7898, or write us at Western Growers Assurance Trust, 6501 Irvine Center Dr, Suite 100, Irvine CA 92618.

Website Outages

While we try to keep the WGAT website running at all times, it may periodically be unavailable for maintenance or other reasons.

Accuracy of Contents

WGAT endeavors to keep the materials on its website up to date but does not assume responsibility for any errors or omissions in these materials. WGAT may make changes to the materials included and products or services described on the website at any time without notice, but makes no commitment to update the information contained herein.

Links to Other Web Sites

The website may contain links to other Internet websites that may be of interest to its users. By using this website, you acknowledge that any linked or referenced third-party sites are maintained by persons or organizations over which WGAT exercises no control. WGAT is not responsible for the content, the accuracy of the information, or the quality of products or services provided by these third-party sites. Unless expressly stated, WGAT does not control, endorse, promote, or have any affiliation with any other website, and does not control or manage the privacy practices of third party websites.

Digital Millennium Copyright Act (“DMCA”) Notice

WGAT is committed to complying with copyright and related laws and requires all users of the website to comply with these laws. If you believe that your rights under copyright laws have been infringed by WGAT, you may take advantage of certain provisions of the Digital Millennium Copyright Act of 1998 (“DMCA) to report possible infringements. Although WGAT will not make any legal decisions about the validity of your infringement claim, we will, upon receipt of a proper notice of a claimed infringement, remove or disable access to the material in question and will follow DMCA procedures to resolve the claim. WGAT reserves the right to disregard any notice that is not in compliance with the DMCA.

If you believe that the WGAT website includes information that violates a copyright owned by you, you must submit a Notification of Claimed Infringement. The Notification must be in writing, sent to the address shown below, and contain the following information:

An electronic or physical signature of the owner of the copyright or intellectual property interest, or a person authorized to act on behalf of the copyright or intellectual property owner;
A description of the copyrighted work or other intellectual property that you claim has been infringed;
The location on the website of the alleged infringing material;
Your contact information, including your name, address, telephone number, and email address;
A statement that the person submitting the Notification has a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law; and
A statement by you, made under penalty of perjury, that the information contained in your report is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.

The Notification of Claimed Infringement should be emailed or mailed to one of the following addresses:

E-Mail: [email protected] with the subject line “DMCA”.

Mail:

Western Growers Assurance Trust
6501 Irvine Center Dr
Suite 100
Irvine, CA 92618

If you are uncertain whether material on the WGAT website infringes a copyright held by you or a third party, you should contact an attorney. Anyone making a false or fraudulent notice or counter-notice may be liable for damages under the DMCA, including costs and attorneys’ fees.

Entire Agreement

These Terms of Use constitute the entire agreement between you and WGAT with respect to your use of the website. If any part of these Terms of Use is held to be invalid or unenforceable for any reason, the remaining parts will remain in full force and effect. You acknowledge that, in providing you access to and use of its website, WGAT has relied on your agreement to be legally bound by these Terms of Use.