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Health Service Navigator
Privacy Policy

Last Updated: January 13, 2021


This website located at www. (“Site”), is used by The Manufacturers Life Insurance Company (“Manulife”) for the purpose of providing Health Service Navigator (“HSN”), and is maintained and operated by WorldCare International, LLC (“WorldCare”). Manulife, WorldCare and their respective affiliates are collectively referred to as the “Companies”, and each a “Company” and are all committed to protecting your privacy. This privacy policy (“HSN Privacy Policy”) applies to the collection, use and disclosure by any or all of the Companies of information collected through or in relation to the use of this Site. However, as Manulife is using this Site to provide HSN, you should review the privacy policy applicable to the use of Manulife’s Canadian division website (“Manulife Privacy Policy”) which is located at as it may also apply. For WorldCare’s privacy policy (“WorldCare Privacy Policy”), please visit Nothing in the HSN Privacy Policy is intended to derogate from the Manulife Privacy Policy or the WorldCare Privacy Policy.

Use of this Site does not provide or replace the consultation, guidance, or care of a health care professional or other qualified provider.


Collection of your Personal Information

WorldCare may collect information about your visit to the Site, including the pages you view and the links you click. WorldCare also collects certain standard information that your browser sends to every web site you visit, such as your IP address, browser type and language, access times and referring website addresses. This information will not be shared by WorldCare with Manulife or Manulife’s affiliates, unless it is provided to Manulife in an aggregate format, from which individuals cannot be identified.

Use of your Personal Information

WorldCare and Manulife may use your Personal Information (e.g., IP address) to generate statistics and reports for internal use, and to evaluate the performance and usage frequency of the Site, in an aggregate format, from which individuals cannot be identified.

Disclosure/Transfer of Your Personal Information

The Companies shall not disclose and/or transfer your Personal Information to any third parties without your consent, except under the following circumstances:


  1. to comply with a legal requirement including but not limited to one imposed by a warrant, subpoena, court order or like instrument served on any Company;

  2. where a Company has reasonable grounds to believe that such access or disclosure is necessary to prevent or investigate any breach of an agreement or contravention of a law; or

  3. in urgent circumstances to protect the life, health or security of any person.


Aggregate Data

WorldCare may provide Aggregate Data to third parties. “Aggregate Data” means similar pieces of non-personal information (i.e., information that cannot be used to identify a particular individual) that are gathered by the Site from two or more users of the Site and are combined.


Use of Cookies

WorldCare uses “cookies” to facilitate your online experience and, in some instances, to provide you with access to the Site. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to ensure that you are authorized to use the Site. You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. Please note that if you choose to decline cookies, you may not be able to access or use some or all of the content on the Site.


Changes to this Policy

The Companies encourage you to periodically review this HSN Privacy Policy and the Manulife Privacy Policy. This HSN Privacy Policy may occasionally be updated or changed.


Enforcement of this Privacy Policy

If you need additional information about a Company’s privacy policy or its management of your Personal Information, or if you want to access the Personal Information that a Company has collected about you, or if you want to inform a Company of any information it has on file that you believe to be incorrect or incomplete, please contact the applicable Company.

For WorldCare and its affiliates:


Privacy Officer

7 Bulfinch Place, Suite 301
P.O. Box 8310
Boston, MA 02114

For Manulife and its affiliates:

Chief Privacy Officer


P.O Box 1602

Del Stn 500-4-A

Waterloo, Ontario N2J 4C6

Group Benefits 1-800-268-6195  

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