THIS NOTICE DESCRIBES HOW PERSONAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

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Your current or former employer as the Plan Sponsor for the benefits you are eligible for has hired Willis Towers Watson to provide this website and other benefits administration services. Willis Towers Watson cares about your privacy and wants you to be familiar with how we collect, use, and disclose information. We use Personal Information to determine your benefit eligibility and validate any election information that is submitted through the application.

This Privacy Notice describes our practices in connection with information that we collect through this website; telephone service center; employer data import files; other third-party import files approved by the Plan Sponsor; mobile devices; and HTML-formatted email messages that may be sent to you (collectively, the 'Services'). By providing Personal Information to us, you agree to the terms and conditions of this Privacy Notice.

Personal Information

'Personal Information' is information that identifies you as an individual or relates to an identifiable person, including, but not limited to:

  • Name
  • Address
  • Social security number
  • Birth date
  • Gender
  • Telephone number
  • Email address
  • Hire date, and dates of other changes in employment status
  • Other information related to your benefit eligibility and election options

The information we collect is provided by the Plan Sponsor to confirm whether you, your spouse, and dependents are eligible for benefits. You may be asked to provide additional information about yourself, your spouse, your dependents, and beneficiary designations. You may also be asked to update or correct information about yourself, your spouse, or your dependents.

If you submit Personal Information relating to other people to us in connection with the Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Notice.

How We May Collect Personal Information

We and our service providers may collect Personal Information in a variety of ways, including:

  • Through the Sponsor of the Applicable Plans: We may collect Personal Information on encrypted, periodic, data transmission files from the Plan Sponsor. For most participants, the sponsor is your current or former employer.
  • Through the Services: We may collect Personal Information through the Services; for example, when you process transactions through our online benefits portal.
  • Offline: We may collect Personal Information from you offline, such as when you contact the service center.
  • From Other Sources: We may receive your Personal Information from other sources, such as other third parties engaged by the Plan Sponsor to provide benefits-related services. NOTE: A third party's use of information you provide to the third party shall be governed by the third party's privacy notice. Our use of information received from the third party shall be governed by this Privacy Notice.

How We May Use Personal Information

We may use Personal Information:

  • To respond to your inquiries and fulfill your requests, including to process the transactions you request such as enrolling you in the insurance carrier(s) you select.
  • To generate your plan rates.
  • To send administrative information to you.
  • To track and record certain life status changes that enable you to make mid-year changes to your benefit elections.
  • To provide you with related customer service.
  • For our business purposes, such as data analysis, audits, developing new products, enhancing, improving or modifying our Services, identifying usage trends, and operating and expanding our business activities.
  • As we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our affiliates; (f) to protect our rights, privacy, safety, or property, and/or that of our affiliates, including you; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.
  • For purposes of contacting you regarding the plan using an automated telephone dialing system and/or artificial or prerecorded voice.

How Personal Information May Be Disclosed

Your Personal Information may be disclosed:

  • To the Plan Sponsor (your employer): Limited information may be shared with the plan sponsor, including benefit elections; beneficiary information; and responses to questions to determine eligibility for certain benefits.
  • To vendor partners selected by the Plan Sponsor to allow them to provide you with services associated with your benefits. Use of your Personal Information by vendor partners is governed by their privacy policies and not this Privacy Notice.
  • To our third-party service providers who provide services such as website hosting, data analysis, payment processing, order fulfillment, information technology and related infrastructure, customer service, email delivery, and auditing.
  • To anyone to whom you send messages through the Services, to allow the recipient to identify you.
  • As we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our affiliates; (f) to protect our rights, privacy, safety or property, and/or that of our affiliates, including; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.

OTHER INFORMATION

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Other Information We May Collect

'Other Information' is any information that does not reveal your specific identity or does not directly relate to an individual, such as:

  • Browser and device information
  • App usage data
  • Information collected through cookies and other technologies
  • Demographic information and other information provided by you
  • Aggregated information

If we are required to treat Other Information as Personal Information under applicable law, then we may use it for the purposes for which we use and disclose Personal Information as detailed in this Notice.

How We May Collect Other Information

We and our third-party service providers may collect Other Information in a variety of ways, including:

  • Through your browser or device: Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version, and the name and version of the Services you are using. We use this information to ensure that the Services function properly.
  • Using cookies: Cookies are pieces of information stored directly on the computer that you are using. Cookies allow us to collect information such as browser type, time spent on the Services, pages visited, language preferences, and other anonymous traffic data. We and our service providers use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience while using the Services, and to recognize your computer in order to assist your use of the Services. We also gather statistical information about use of the Services in order to continually improve their design and functionality, understand how they are used, and assist us with resolving questions regarding them. If you disable cookies on the site, the site may not function properly.
  • Analytics: We may use Google Analytics, which uses cookies and similar technologies to collect and analyze information about use of the Services and report on activities and trends. This service may also collect information regarding the use of other websites, apps and online resources. You can learn about Google's practices by going to www.google.com/policies/privacy/?partners/, and opt out of them by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout.
  • IP Address: Your IP address is a number that is assigned to your computer by your Internet Service Provider (ISP). An IP address may automatically be identified and logged in our server log files whenever you, as a user, access the Services. This log may include the time and the page(s) visited. We use IP addresses to calculate usage levels, derive your approximate location, diagnose server problems, and administer the Services. We do not use IP addresses for identification or direct marketing purposes. Collecting IP addresses is a standard industry practice and is done automatically by many websites, applications, and other services.
  • From you: Information such as your preferred means of communication is collected when you voluntarily provide it.
  • By aggregating information: Aggregated Personal Information does not personally identify you or any other user of the Services (for example, we may aggregate Personal Information to calculate the percentage of our users who have a particular telephone area code).

How We May Use and Disclose Other Information

We may use and disclose Other Information for any purpose, except as provided under applicable law. In some instances, we may combine Other Information with Personal Information. If we do, we will treat the combined information as Personal Information as long as it is combined.

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If you have provided us with Personal Information, we may associate that information with the information about your usage of our site that is collected automatically.

THIRD-PARTY SERVICES

We may include links in the Services to websites for third parties, such as government agencies, carriers, and health and wellness providers. When you access these links, you will be leaving the Services and your usage of those third-party sites will be governed by the privacy policies of such third parties, not by this Privacy Notice. This Privacy Notice does not address, and we are not responsible for, the privacy, information, or other practices of any third parties, including any third party operating any site or service to which the Services may link. The inclusion of a link on the Services does not imply endorsement of the linked site or service, by us or by our affiliates.

SECURITY

We seek to use reasonable organizational, technical, and administrative measures to protect Personal Information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of your account has been compromised), please immediately notify us in accordance with the 'Contacting Us' section below.

CHOICES AND ACCESS

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Your choices regarding our use and disclosure of your Personal Information

Our standard process is to send information regarding your benefits and other communications electronically via email or our online portal. You may request to receive communications by paper mail in accordance with the 'Contacting Us' section below.

How you can access or change your Personal Information

If you would like to review, correct, or update Personal Information you may do so by contacting your Human Resources contact or accessing your employer's online benefits portal.

Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began before you requested the change. There may also be residual information that will remain in our databases and other records, which will not be removed.

If you are a resident of California, under 18, and a registered user of the Services, you may ask us to remove content or information that you have posted to the Services in accordance with the 'Contacting Us' section below. Please note that your request does not ensure complete or comprehensive removal of the content or information; for example, some of your content may have been reposted by another user.

RETENTION PERIOD

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Notice, unless a longer retention period is required or permitted by law.

USE OF SERVICES BY MINORS

Because of the nature of our business, we do not solicit or intentionally receive information from children under the age of 13, except that we do collect information regarding dependent children that pertains to their benefits coverage and to beneficiary designations. Parents and legal guardians are permitted to provide us with information about their children.

CROSS-BORDER TRANSFER

Your Personal Information may be stored and processed in any country where we have facilities or in which we engage service providers. By using the Services you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have data protection rules that are different from those of your country.

SENSITIVE INFORMATION

We ask that you not send us, and you not disclose, any sensitive Personal Information (for example, information related to racial or ethnic origin, political opinions, religion or other beliefs, health, biometrics or genetic characteristics, criminal background, or trade union membership) on or through the Services or otherwise to us.

UPDATES TO THIS PRIVACY NOTICE

We may change this Privacy Notice. The 'Last Updated' legend at the top of this page indicates when this Privacy Notice was last revised. Any changes will become effective when we post the revised Privacy Notice. Your use of the Services following these changes means that you accept the revised Privacy Notice.

CONTACTING US

If you have any questions about this Privacy Notice or how your Personal Information may be used or disclosed, please contact us at privacy@willistowerswatson.com, or call toll-free at 888-471-4502.

Because email communications are not always secure, please do not include credit card or other sensitive information in your emails to us.

For all other inquiries, refer to the Contact Us information available on this website or customer service contact information provided by your Plan Sponsor.

To start off, let me assure you that this article is not about bashing Linux or its users or the community centered around it. It's not written out of spite or hatred. It certainly doesn't have anything to do with my being an Apple fanboy and, given that it is being published on Apple Matters, you should know that none of us here hold any grudge against platforms other than the Mac.

With that disclaimer out of the way, let me state my case. I've recently come to the realization that most Windows and Mac users neither hate Linux nor do they want to get into any debates involving it just so that they can attempt to humiliate their Linux using counterparts. I've seen many an OS war and there has always been one common thread--Linux is ignored.

In this article, I want to discuss why that is so. One of my friends, who is an ardent Linux user, was recently discussing this with me and as I was reading his glowing descriptions of the open source Linux distributions and how they have various feature better than both Mac OS X and Windows, I found myself zoning out and skimming over the words. That's exactly what most Windows and Mac users do when some Linux user decides to stage an intervention during an ongoing OS war.

The sole reason, I think, is that no one really cares about what's happening in the world of Linux. If you watch ‘Get a Mac' ad spoofs on YouTube, you'll see that the ones that feature Linux almost always portray it as the dorky nerd who's ragged on by the Mac and PC guys in unison when he stumbles onto the scene. It's not so much an issue with Linux itself as much as it is a mentality issue.

It's got to do with this modern age perception that the nerdy computer geeks are the uncool ones that no one should be hanging out with, a stereotype that's easy to imagine a Linux user as. It's about the rich not wanting to bother with people below the poverty line in the real world. It's about people's perception of those who use Linux.

The general consensus seems to be that Mac users are the sort who want the best in quality, no expenses spared; Windows users are those who're looking for the best bang for their buck (generally in the short term); and Linux users are the ones who want everything for free, particularly software.

Now, I wouldn't condone having stereotypical opinions about any individual or anyone part of a group, but Linux users don't exactly help their reputation either. They seem to actually believe that all software should be free. Of course, if you ask any Linux user outright about it, they'll tell you they don't and will cite the fact that there exist iterations of Linux distributions that you have to pay for.

But pick any number of Linux users at random and ask them whether they've ever paid for any piece of software in their Linux setup and the answer will almost certainly be in the negative. But why is that a bad thing? Isn't it good that they get everything for free? Isn't that what's best for everyone? No, it isn't. Since Linux users get all their software without having to pay a single buck, the perceived value of software (as a whole) becomes zero, or very close to it, in their opinion.

They won't admit it, but it's a fact that most of them think that way. Add to that the fact that Linux users generally tend to have two extreme and conflicting viewpoints about what software should be like. Some users are easily dazzled by superfluous and completely useless effects (wobbly windows, blatant overuse of transparency, etc.) and assume that it must be better than Mac OS X because it's so cosmetically made-up and then there are others who only need the Terminal and can keep typing on it whole day long.

The problem with the Linux community is that, like any community, it has members with widely varying interests and preferences and the open source developers are developing hundreds of distributions to try and cater to every single whim and fancy of these members. The result is a cornucopia of free software, software that has been developed at the expense of the hard work and time of some of the most skilled developers on the planet, and yet does not have a single product that is complete in and of itself and is generating any profit at all.

Since open source developers cannot feed themselves through sales of their software, their only recourse is to devote themselves to another full time job and contribute to the open source community in their free time. This brings me to the crust of my article: There is no way whatsoever that thousands of developers sitting in front of their computers in different corners of the world and spending only their non-working hours trying to develop something that they know isn't going to make them any money, are ever going to come up with anything good enough to seriously challenge software from companies like Microsoft and Apple. There is just no chance at all.

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Linux has been around for more than a decade now and it's nowhere near challenging either Mac OS X or Windows. The vast majority of hardware and software makers around the world are still shipping products that are incompatible with Linux. Linux distributions get major updates in spans of six months to less than a year. There's no guarantee that the camera you bought today and is compatible with your Ubuntu installation will work with Fedora Core too should you change your mind in a few days, as is a common practice among the Linux enthusiasts.

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All of this and more are reasons enough to ignore Linux. Linux users are never quite sure which one is the best distribution around. They have debates in their own community with twenty different users vouching for twenty different variations. They constantly have to keep figuring out workarounds to make all their software and hardware work together. They can't just go out and buy a new accessory, assured in the knowledge that it will work. They are afraid to upgrade, lest things go wrong.

I've tried several Linux distributions myself in the past and have seen a few of my friends try them too. To date, the only success stories I've heard of people switching to Linux have been on the Internet and the user narrating it almost always switches from pirated versions of Windows, which means that Microsoft does not lose a customer by their switching-and a lot of them just get bored and switch back after a couple of weeks anyway.

Maybe I'm just not far-sighted or knowledgeable enough but, from where I stand and from what I've seen and known so far, I cannot see a bright future for Linux. I suspect that it will always be a loud movement with the paltry market share, which itself is divided among hundreds of distributions. It has been so far and will probably forever be the domain of the computer nerds and server administrators. The problem may be with me, but I don't see any progress in the near or distant future. I guess time will tell.

Again, please view this as an individual's opinion and summation of the scenario through his own eyes. I'm not being judgmental or critical about anything, nor am I lambasting the open source movement. I acknowledge and accept the fact that everyone has different needs and opinions and they're entitled to their own decisions and choices. I'm just stating my own here. So, all of you, just calm down, put those flamethrowers away and let's have a friendly discussion, shall we?