Effective Date: Oct. 30, 2026

Thank you for downloading and installing the Blue Cross Blue Shield of Michigan ("BCBSM", “our”, “us”, or "we") Mobile Application (the "App"). By downloading, installing, and using the App you explicitly agree to these Mobile Application Terms and Conditions (collectively, the "Terms").

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE APP. THESE TERMS AFFECT YOUR LEGAL RIGHTS, INCLUDING BY LIMITING BCBSM’S LIABILITY (SECTION 11) AND REQUIRING RESOLUTION OF DISPUTES ON AN INDIVIDUAL, NON-CLASS BASIS (SECTION 12).

We may amend these terms at any time by posting a revised version on the app or on our website. The revised version will be effective at the time we post it. We are not obligated to notify you of changes to the terms. If you disagree with the terms, you are instructed not to use this app.

No personal health care or other advice

The app and its health-related information and resources are not a substitute for professional medical advice or for the care that patients receive from their physicians or other health care providers.

The app and its health-related information resources are not meant to be the practice of medicine, the practice of nursing or to carry out any professional health care advice or service in the state where you live. NOTHING ON THE APP IS TO BE USED FOR MEDICAL OR NURSING DIAGNOSIS OR PROFESSIONAL TREATMENT.

Always seek the advice of your physician or other licensed health care provider. Always consult your physician or other health care provider before beginning any new treatment or if you have any questions regarding a health condition. You should not disregard medical advice or delay seeking medical advice, because of something you read on the app.

Ownership of the app and restrictions on use of content

BCBSM owns, operates, or otherwise administers this app. The contents of this app, including, but not limited to, the text, images, postings, uploads, downloads, layout, and code (collectively, “content”) are proprietary information, intellectual property, or copyrighted material belonging to BCBSM and its content providers. We and our content providers retain all right, title, and interest in the app and the content and such ownership is protected by U.S. and international copyright, trademark, trade dress, patent, and/or other intellectual property laws and unfair competition rights and laws, to the fullest extent possible. Subject to your strict compliance with these terms, BCBSM grants you a limited, non-exclusive, revocable, worldwide, non-assignable, and non-transferable license to display, view, and use the app, and to retain one copy of the content as it is displayed to you, in each case for your personal, non-commercial use only. The foregoing limited license does not give you any ownership of, or any other intellectual property interest in, the app or any content.

No material from the app may be modified, copied, reproduced, republished, uploaded, posted, broadcasted, transmitted, framed, licensed, sold, or distributed in any way without the prior written consent of BCBSM, except BCBSM authorizes you to upload and post materials in compliance with the terms, but only to the extent to which your individual access may allow. You may not erase or alter any copyright or other proprietary notices on any copies you make.

You may now or in the future have the opportunity to create, build, post, upload, display, publish, distribute, transmit, broadcast, or otherwise make available on or submit through the app (collectively, “submit”) messages, text, illustrations, files, images, graphics, photos, comments, responses, sounds, music, videos, information, content, ratings, reviews, data, questions, suggestions, or other information or materials and the ideas contained therein (collectively, but excluding any content included therein, “user submissions”). All user submissions belong to you and shall remain your property. You agree that BCBSM shall have and you do hereby grant to BCBSM worldwide, royalty-free, perpetual, irrevocable, non-exclusive right and license to use such information to translate, reproduce, sell, publish, distribute, modify, adapt, display, perform, promote, link to, or use, in any form or media, any user submissions that you submit to BCBSM. BCBSM does not endorse any user submissions, or third-party product or service that may appear in connection with use of the app. YOU REPRESENT AND WARRANT THAT THE USER SUBMISSIONS YOU SUBMIT VIA THE APP IS TRUE AND ACCURATE AND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGES OR LOSSES ASSOCIATED WITH THE SUBMISSION OF FALSE OR MISLEADING INFORMATION.

You may not cause or allow anyone to (i) co-brand the app or any portion thereof (which means any name, logo, trademark or other means of attribution or identification of any party is displayed in such manner reasonably likely to give an app user the impression that such other party has the right to display, publish or distribute the app or the BCBSM website or the accessible content of either); or (ii) frame the app or any portion (where the app or any portion will appear on the same screen with a portion of another application or website.) You agree to cooperate with BCBSM in causing any unauthorized co-branding, framing or linking to immediately cease. You may not use the app to:

• Distribute anyone else's copyrighted material, intellectual property, or trade secret information without written permission of the owner
• Interfere with privacy or publicity rights of others
• Send or post a sexually-explicit image 
• Use or engage in any activity that is unlawful, harmful, obscene, defamatory, threatening, harassing, abusive or hateful 
• Embarrass any person, group, or company
• Pretend to be another person by using their password or otherwise
• Misuse or disclose without permission the private, personally identifiable information ("PII"), personal information, or protected health information ("PHI") of yourself or someone else
• Market, promote or sell any tools, products, or services for any commercial purpose
• Suggest or imply that any information submitted, posted, or otherwise shared by you on the app is in any way endorsed, promoted, supported, or otherwise approved by BCBSM
• Upload to, or transmit through, the app any harmful or malicious software or programming, including, but not limited to, any viruses, malware, worms, and/or Trojan horses
• Harvest any information from the app or content
• Reverse engineer or modify the app or content
• Interfere with the proper operation of the app or its security features
• Otherwise violate these terms

You will not use the app in violation of any laws. Activity on the app is subject to monitoring by BCBSM at any time. BCBSM's right to monitor activity on the app does not obligate BCBSM to do so. Anyone who uses the app consents to such monitoring and agrees that BCBSM may use the results of such monitoring without limitation.

All rights not expressly granted to you are reserved by BCBSM and its licensors and other third parties. No right or license may be construed, under any legal theory, by implication, estoppel, industry custom, or otherwise. Any unauthorized use of the app or content for any purpose is prohibited.

Access to the app

Account. The app is password-protected and for use only by BCBSM authorized users. If you register, you agree to provide BCBSM with accurate and complete registration information and to inform BCBSM immediately of any updates or other changes to such information. For example, you may not (i) enter, select or use a false name or an email address owned or controlled by another person with the intent to impersonate that person; or (ii) use as a user ID a name subject to any rights of a person other than yourself without appropriate authorization. 

BCBSM reserves the right to refuse registration of or cancel a user ID in its sole and absolute discretion and without notice.

When you register to use this password-protected app, you will establish your account password. To protect your privacy, you alone are responsible for safeguarding your password. BCBSM employees or agents will never ask you to share your password. Do not give out your password or allow it to be seen or used by anyone else. If someone else learns your password, that person might use the app to get private information about you without your knowledge and BCBSM cannot stop such access until you change your password. You must notify us immediately of any unauthorized use of your account at the contact listed in Section 17. You shall not sell, transfer, or assign your account or any account rights.

The app allows you to change your password. You will be prompted to change your password at regular intervals. If you think your password no longer is private, you must use the password page of the app to immediately change your password to protect your own privacy.

YOU ARE FULLY RESPONSIBLE FOR ALL LOSSES, DAMAGES, OR CONSEQUENCES RESULTING FROM ANY ACTIVITY ON THE APP PERFORMED USING YOUR ACCOUNT.

Availability of the app. The app may be unavailable from time to time for any reason including, for example, routine maintenance. You understand and acknowledge that, due to circumstances both within and outside of the control of BCBSM, access to the app may be interrupted or suspended from time to time. BCBSM shall have the right at any time to change or discontinue any aspect or feature of the app, including, but not limited to, Content, availability, and equipment needed for access or use.

Suspension or termination of the app. BCBSM reserves the right to suspend, terminate, or limit your access to the app or its content, in whole or in part, at any time without notice, in BCBSM’s sole discretion. Upon suspension or termination of your access to the app, or upon notice from BCBSM, all rights granted to you under these terms will cease immediately, and you agree that you will immediately discontinue use of the app.

Confidentiality

All material made available to you on or through the app is confidential and shall be treated by you as such. You agree that the disclosure of such information could cause BCBSM irreparable harm and would allow BCBSM, its directors, officers, employees, and/or agents to seek injunctive relief from you in addition to any other remedy available to it in law or equity. You shall be fully responsible for any losses or damages which arise from your noncompliance with the confidentiality obligations contained in the terms. You further agree to fully indemnify and hold BCBSM harmless from and against any claims or losses brought by a third party against BCBSM.

These confidentiality obligations survive your termination of use of the app.

Personal information we collect and how it's used

We may collect and use the information gathered through the app (both information you submit and information we collect about you) in accordance with the BCBSM Mobile Privacy Policy.

User surveys

We periodically conduct surveys through the app. Surveys may be generalized and address items such as content or process improvements, or surveys may be generated for more specific purposes and address detailed or refined subjects or issues. We reserve the right to utilize online surveying services from third parties to survey on behalf of BCBSM. Survey participation requirements will be contained within survey directives.

Submitting information or posting communications

The app may permit you to post or share information. Your communication is not private unless the app states your information will be transmitted in a secure manner. You are responsible for any communications you choose to post or information you choose to submit. You assume any and all consequences (including, but not limited to, the possible loss of your privacy) resulting from your transmission of any information.

Artificial intelligence

We may utilize artificial intelligence, machine learning tools, or similar technology when you submit information via our interactive features on the app (“Artificial Intelligence Tools”). We may use these Artificial Intelligence Tools to enhance your experience and to assist us with customer service. You acknowledge and agree that any information, including any User Submissions, that you provide on the app may be used as an input for such Artificial Intelligence Tools. You further agree that we (or one of our vendors) may use any output generated from the Artificial Intelligence Tools for our own commercial purposes, including to develop and to improve our features.

Links from the app

We may have links from the app to a number of different applications or websites that are not owned or operated by BCBSM. Any such links are provided as a courtesy to help you find information. BCBSM is not responsible for the performance, availability, accuracy, or content of applications or websites linked from the app since they are beyond BCBSM's control. We recommend you visit such applications or websites with caution and that you read the privacy statements and terms of use on the applications or websites you visit to understand their individual privacy practices.

TO THE FULLEST EXTENT PERMITTED BY LAW, BCBSM DISCLAIMS ALL LIABILITY FOR ANY DAMAGES OR LOSSES THAT RESULT FROM YOUR ACTIVITY ON OTHER APPLICATIONS OR WEBSITES WHETHER OR NOT THOSE APPLICATIONS OR WEBSITES MAY BE LINKED TO FROM THIS APP OR APPEAR TO BE BRANDED OR COBRANDED AS BELONGING TO BCBSM.

Indemnification 

You agree to indemnify, defend, and hold BCBSM, our licensors, suppliers, and sponsors, and our and their directors, officers, employees, consultants, agents, other representatives, successors, and assigns (“BCBSM Indemnitees”), harmless from and against any and all claims, causes of action, allegations (threatened or pending), liabilities, damages, losses, costs, and other expenses (including reasonable attorneys’ fees that arise directly or indirectly and costs) arising out of or in connection with any of the following: (i) for any breach of these terms; (ii) your use of the app; (iii) your violation of any laws, rules, regulations, codes, statutes, ordinances, or orders of any governmental or quasi-governmental authorities; (iv) your violation of the rights of any third party, including any intellectual property, publicity, confidentiality, property, or privacy right; or (v) any misrepresentation made by you. BCBSM reserves the right to control the defense and settlement of any third-party claim for which you indemnify BCBSM Indemnitees under these terms, and you will assist us in exercising such rights. You will not in any event settle any claim without the prior written consent of BCBSM.

Disclaimers

The app may contain inaccuracies or typographical errors. While we try to promptly correct all errors under our control that become known to us, BCBSM makes no representations on the accuracy, reliability, completeness or timeliness of the material on the app. BCBSM has no obligation to update, modify or remove information presented on the app, though we reserve the right to do so within our sole discretion. Information herein may be out of date at any given time. Your use of the app and any of its material is at your own risk. Changes are made to the app often and can occur at any time and without notice.

BCBSM DOES NOT WARRANT THAT THE APP WILL OPERATE ERROR-FREE, OR WITHOUT INTERRUPTION OR THAT THE APP AND ITS SERVER ARE FREE OF ALL VIRUSES OR CODE HARMFUL TO YOUR EQUIPMENT, YOUR PROGRAMS OR YOU DATA. THE APP, FEATURES, FUNCTIONS, SERVICE AND CONTENT OF THE APP ARE PROVIDED ON AN "AS IS" AND “AS AVAILABLE” BASIS, WITH ALL FAULTS AND WITHOUT ANY WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE, BCBSM HEREBY DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS WITH RESPECT TO THE APP, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY, OF SATISFACTORY QUALITY, OF FITNESS FOR A PARTICULAR PURPOSE, OF ACCURACY, OF COMPLETENESS, OF ACCESSIBILITY, OF COMPATIBILITY, FREEDOM FROM MALWARE, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. IF APPLICABLE LAW DOES NOT ALLOW THE EXCLUSION OF SOME OR ALL OF THE ABOVE IMPLIED WARRANTIES TO APPLY TO YOU, THE ABOVE EXCLUSIONS WILL APPLY TO YOU TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.  

Limitation of liability

TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL BCBSM, ITS SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, CONSEQUENTIAL OR SPECIAL DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, PAIN AND SUFFERING, EMOTIONAL DISTRESS OR SIMILAR DAMAGES EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH ANY OF THE MATERIAL ON THE APP, OR WITH ANY OF BCBSM'S TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE APP.

DISPUTE RESOLUTION & CLASS ACTION WAIVER

IMPORTANT: YOU UNDERSTAND AND AGREE THAT THESE DISPUTE RESOLUTION TERMS APPLY TO ALL CLAIMS, DISAGREEMENTS, DISPUTES, OR CONTROVERSIES BETWEEN YOU AND BCBSM, ARISING OUT OF OR RELATING TO YOUR USE OF OR ACCESS TO THE APP AND THESE TERMS. THIS SECTION LIMITS CERTAIN LEGAL RIGHTS, INCLUDING THE RIGHT TO A JURY TRIAL, THE RIGHT TO PARTICIPATE IN ANY FORM OF CLASS OR REPRESENTATIVE ACTION, AND THE RIGHT TO CERTAIN REMEDIES AND FORMS OF RELIEF. PLEASE REVIEW CAREFULLY. 

Dispute Notice and Informal Dispute Resolution. In the unlikely event that a disagreement, dispute, claim, or controversy at law or equity in connection with these terms or use of the app (collectively, “Dispute”) arises between you and BCBSM, before initiating any action, you and BCBSM each agree to first provide the other a written notice (“Notice of Dispute”), which shall contain: (i) a written description of the Dispute and relevant documents and supporting information; and (ii) a statement of the specific relief sought. A Notice of Dispute can be sent to Blue Cross Blue Shield of Michigan, Attn: Chief Legal Counsel, 600 East Lafayette Blvd., MC 1925, Detroit, MI 48226, so that we may work in good faith to find a mutually agreeable solution. If the Dispute cannot be resolved as described above within sixty (60) days, you and BCBSM may commence a lawsuit. 

Class and Collective Action Waiver. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND BCBSM AGREE THAT ANY AND ALL DISPUTES (WHETHER BASED IN CONTRACT, STATUTE, TORT, OR ANY OTHER THEORY) WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION. ALL CLAIMS MUST BE BROUGHT SOLELY IN A PARTY’S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED ACTION, REPRESENTATIVE ACTION, OR PROCEEDING.

Jury Trial Waiver. EACH PARTY ACKNOWLEDGES AND AGREES TO INTENTIONALLY WAIVE, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY AND ALL RIGHTS THEY MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING FOR ANY DISPUTE, INCLUDING, BUT NOT LIMITED TO, DISPUTES ARISING OUT OF OR RELATING TO THESE TERMS. 

Limitation on Time to File Claims. TO THE FULLEST EXTENT PROVIDED BY LAW, ANY, DISPUTE, CAUSE OF ACTION, OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

GOVERNING LAW AND VENUE

These terms and your use of the app shall be governed by and construed in accordance with the laws of the State of Michigan, without giving effect to any conflict of law provisions. You agree that any action at law or in equity arising out of or relating to these terms shall be filed only in the Oakland Circuit Court state court or United States District Court for the Eastern District of Michigan federal court, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts over any suit, action or proceeding.

MOBILE APP TERMS

Subject to these terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to download, install, and use our app on a single registered account and on one mobile phone, tablet, or other mobile device that you own or lease solely for your personal use (each, a “Device”). You acknowledge that we may, from time to time, release updates, upgrades, or new versions of the app and may automatically install such updates on your Device. You consent to these automatic updates and agree that these terms apply to all updates, upgrades, and new versions of the app. This license does not constitute a sale of the app or any copy thereof. We and our licensors and suppliers retain all rights, title, and interest in and to the app and any copies thereof.

Terms Specific to Apple Mobile Devices. If you are accessing or using our app on any Apple mobile device, the following additional terms and conditions are applicable to you and are incorporated into these terms by this reference:

To the extent that you are accessing the app through an Apple mobile device, you acknowledge that these terms are between you and BCBSM, and that Apple, Inc. (“Apple”) is not a party to these terms other than as a third-party beneficiary as contemplated below.

The license granted to you in this Section is limited, non-transferable, and subject to the permitted Usage Rules set forth in the App Store Terms of Service located at www.apple.com/legal/itunes/us/terms.html. The license is limited to use the app on any Apple-branded products that you own or control as permitted by these terms, except that the app may be accessed and used by other accounts associated with you via “Family Sharing” (as defined in the Apple Media Services Terms and Conditions) or volume purchasing.

You acknowledge that BCBSM, and not Apple, is responsible for providing the app and content thereof.

As between BCBSM and Apple, BCBSM is solely responsible for providing any maintenance and support services with respect to the app that BCBSM may offer (which, if provided, is provided at BCBSM sole discretion). You acknowledge that Apple has no obligation whatsoever to furnish maintenance or support services with respect to the app.

You and BCBSM acknowledge that BCBSM, not Apple, is responsible for addressing any of your claims or any third-party claims relating to the app or your possession and/or use of the app, including but not limited to (i) product liability claims; (ii) any claim that the app fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

Further, you agree that if the app or your possession and use of the app infringes a third party’s intellectual property rights, BCBSM, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim, but only to the extent it relates to your use of the app.

You acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of these terms, and that, upon your acceptance of these terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these terms against you as a third-party beneficiary thereof.

When using the app, you agree to comply with any and all third-party terms that are applicable to any platform, website, technology, or service that interacts with the app. You may not use the app on a device that has firmware or software configuration that has not been authorized by Apple (“jailbroken”) device.

TO THE EXTENT ANY WARRANTY REGARDING THE APP ARISES BY LAW OR HAS NOT BEEN DISCLAIMED UNDER THESE TERMS, BCBSM, AND NOT APPLE, IS SOLELY RESPONSIBLE FOR SUCH WARRANTY. IF THE APP FAILS TO CONFORM TO SUCH WARRANTY, YOU MAY NOTIFY APPLE, AND APPLE WILL REFUND THE PURCHASE PRICE (IF ANY) PAID FOR THE LICENSE TO THE APP. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, APPLE WILL HAVE NO OTHER WARRANTY OBLIGATION WHATSOEVER WITH RESPECTED TO THE APP, AND ANY OTHER CLAIMS, LOSS, LIABILITIES, DAMAGES, COSTS OR EXPENSES ATTRIBUTABLE TO ANY FAILURE TO CONFORM TO THE WARRANTY IS BCBSM’S SOLE RESPONSIBILITY.

Terms Specific to Android Mobile Devices. The terms and conditions of this paragraph apply to you only if you downloaded the app through Google, Inc.’s (Google, Inc. together with all of its affiliates, “Google”) Google Play Store and are incorporated into these terms by this reference. The license granted in this Section is limited to accessing the app by way of download via Google Play Store, except that the app may be used by a family group and family members whose accounts are joined together for the purpose of creating a family group. You acknowledge and agree that these terms are between you and BCBSM, and that Google is not a party to these terms and Google is not responsible for providing support services for the app. If any of the terms and conditions in these terms are inconsistent with the Google Play Development Distribution Agreement (the current version as of the date of these terms is located at: https://play.google.com/about/developer-distribution-agreement.html). The terms and conditions of Google’s Google Play Developer Distribution Agreement will apply to the extent of such inconsistency or conflict.

General provisions

Complete Agreement; No Waiver. These terms reflect our complete agreement regarding the app and supersede any prior agreements, representations, warranties, assurances, or discussion related to the app. Except as expressly set forth in these terms, (i) no failure or delay by BCBSM in exercising any of the rights, powers, or remedies hereunder will operate as a waiver of that or any other right, power, or remedy; and (ii) no waiver or modification of any term of these terms will be effective unless in writing and signed by BCBSM.

Severability; Interpretation; Assignment. If any provision of these terms is for any reason deemed invalid, unlawful, void, or unenforceable, then that provision will be deemed severable from these terms, and the invalidity of the provision will not affect the validity or enforceability of the remainder of these terms. The summaries of provisions and Section headings are provided for convenience only and shall not limit the full terms. BCBSM may assign its rights and obligations under these terms, in whole or in part, to any party at any time without any notice. These terms may not be assigned by you, and you may not delegate your duties under them, without the prior written consent of an officer of BCBSM.

Investigations; Cooperation with Law Enforcement. BCBSM reserves the right to investigate and prosecute any suspected or actual violations of these terms. BCBSM may disclose any information as necessary or appropriate to satisfy any law, regulation, legal process, or government request.

Electronic Communications. We may communicate with you electronically in regard to the app, including by email, and we may collect information related to communications between you and BCBSM. You agree that all notices, disclosures, agreements, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You agree that any time you electronically transact, agree, or consent via the app, your action is intended as an electronic signature which binds you as if you had signed on paper.

Contact us

If you have any questions regarding these terms, you can contact us at:

Blue Cross Blue Shield of Michigan
Attn: Chief Legal Counsel
600 East Lafayette Blvd., MC 1925
Detroit, MI 48226