Section 1: Introduction and Corporate Identity

1.1 Our Identity: GoGlobalSafe is a leading InsurTech (Insurance Technology) platform. We operate as a technology intermediary that connects users (the "Client", "User", or "You") with various insurance products and third-party insurance providers.

1.2 Brand and Entities: GoGlobalSafe is the global brand name under which we operate. Depending on your location and the specific transaction, your agreement is with our ecosystem of corporate entities, which includes, but is not limited to:

• GoGlobalSafe NY LLC (United States)
  ◦ Registration No.: 7564341
  ◦ Address: 104 West 40th Street, Suite 500, New York, NY 10018, USA
  ◦ Phone: +1-587-374-0835
• Horizon Trading Co., Limited (UK)
  ◦ UTR number: 4928723973
  ◦ Company Address: The Lansdowne Building, No 2 Lansdowne IRoad, Croydon, Greater London, United Kingdom
  ◦ The website is jointly operated by GoGlobalSafe and Horizeon Trading Co., Lim
• GOGLOBALSAFE (Australia)
  ◦ ABN: 112 289 254 76

1.3 Our Role: Our role is to leverage technology to facilitate the search, comparison, and purchase of suitable student insurance coverage. By using our platform, you explicitly acknowledge that we act solely as a facilitator between you and the third-party insurance underwriters or licensed brokers. We are not an insurance carrier and do not underwrite risk.

Section 2: Services Provided and Nature of the Agreement

2.1 Intermediary Services: We provide technology and brokerage services to assist you in comparing, selecting, and purchasing insurance policies from third-party insurers. We do not underwrite risk, issue insurance policies, or make claims decisions ourselves.

2.2 Third-Party Insurers: The actual contract of insurance is solely between you and the third-party insurer. All insurance quotes, coverage details, policy terms, and conditions are provided by the respective insurers and are subject to their final underwriting approval.

2.3 No Guarantee of Coverage: GoGlobalSafe makes no warranties or guarantees regarding policy approval, final pricing, coverage suitability, or the financial solvency of the third-party insurers.

Section 3: Client Eligibility and Duty of Disclosure

3.1 Age Requirement: You must be at least 17 years old, or the legal age of majority in your jurisdiction, to use our services and execute a purchase. If you are under the legal age, a parent or legal guardian must complete the transaction on your behalf.

3.2 Target Audience: Our services are strictly intended for students or individuals seeking student-related insurance (e.g., international health, travel, or tuition protection). You confirm that you meet the eligibility criteria of the specific policy you apply for.

3.3 Utmost Good Faith (Accurate Information): Insurance contracts rely on the principle of utmost good faith. You are legally obligated to provide accurate, truthful, and complete information during the application process. Any misrepresentation, omission, or fraudulent statement may result in the immediate denial of your policy, cancellation of coverage, or rejection of future claims by the insurer.

Section 4: Payment, Pricing, and Fees

4.1 Payment Processing: All payments for insurance premiums and applicable platform/brokerage fees are processed through our secure payment gateways. We accept methods including WeChat Pay, as well as major credit and debit cards.

4.2 Authorization: By providing your payment information, you authorize GoGlobalSafe and/or the respective insurer to charge your designated payment method for the full amount due, including any applicable taxes, local fees, or surcharges.

4.3 Currency: Unless otherwise stated, all transactions will be processed in the currency displayed at checkout. You are responsible for any foreign exchange fees charged by your bank or card issuer.

Section 5: Cancellations, Refunds, and Fraud Prevention

5.1 Cancellation & Refund Policy: The rules regarding cancellations before or after the effective date, cooling-off period refunds, Waiver Failure Guarantees, and the treatment of platform service fees are strictly governed by our separate GoGlobalSafe Refund Policy, which forms an integral part of these Terms.

5.2 Platform Rights Regarding Fraud: To protect our users and insurance partners, GoGlobalSafe reserves the absolute right to cancel any transaction, block policy issuance, or suspend your account if we suspect fraudulent activity (e.g., forged student identity, use of stolen cards), suspected money laundering, unwarranted credit card chargebacks, or any material violation of these Terms.

Section 6: Limitation of Liability and Disclaimers

6.1 "As Is" Basis: Our platform and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability or fitness for a particular purpose. We do not guarantee uninterrupted access to our website or that our technology will be error-free.

6.2 No Liability for Insurer Actions: Under no circumstances shall GoGlobalSafe be liable for any actions, omissions, errors, or claim denials made by the third-party insurance providers.

6.3 Limitation of Damages: To the fullest extent permitted by applicable law, GoGlobalSafe, its affiliates, directors, and employees shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages (including loss of data, financial loss, or academic disruption) arising out of or related to your use of our services or the insurance products purchased.

6.4 Indemnification: You agree to indemnify, defend, and hold harmless GoGlobalSafe from any claims, liabilities, damages, and expenses (including reasonable legal fees) arising from your breach of these Terms, your use of the platform, or any false information provided by you.

Section 7: Privacy and Data Protection

We take your privacy seriously. We collect, use, store, and share your personal and sensitive information in strict accordance with our 隐私政策. By agreeing to these Terms, you expressly consent to the processing of your data as described in the Privacy Policy, which includes sharing your necessary information with third-party insurers to facilitate policy issuance.

Section 8: Intellectual Property Rights

All content, technology, software, designs, text, graphics, logos, and trademarks displayed on the GoGlobalSafe platform are the exclusive property of GoGlobalSafe or its licensors, protected by international copyright and intellectual property laws. You are granted a limited, non-exclusive license to use the platform for personal, non-commercial purposes. You may not copy, reproduce, scrape, distribute, or modify any part of our platform without our prior written consent.

Section 9: Governing Law and Dispute Resolution

9.1 Governing Law: Generally, these Terms, and any disputes arising from them or your use of the platform, shall be governed by and construed in accordance with the laws of the State of New York, USA, without regard to its conflict of law principles. However, regarding any United Kingdom agreements whereby we provide you Services, these Terms of Service and such agreements shall be governed by and construed in accordance with the law of the United Kingdom.

9.2 Arbitration: Any controversy or claim arising out of or relating to these Terms, or the breach thereof, shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in New York, NY, unless otherwise agreed upon or legally mandated by the applicable jurisdiction under Section 9.1. Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Section 10: Miscellaneous Provisions

10.1 Entire Agreement: These Terms, along with our Privacy Policy, Refund Policy, and any specific disclaimers provided during checkout, constitute the entire agreement between you and GoGlobalSafe regarding your use of our services.

10.2 Severability: If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

10.3 Assignment: We may assign or transfer our rights and obligations under these Terms to a third party or corporate affiliate without notice to you. You may not assign or transfer your rights or obligations under these Terms without our prior written consent.

10.4 Waiver: The failure of GoGlobalSafe to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

User Declaration and Confirmation

By checking the acceptance box and clicking “Purchase,” “Submit,” or “Confirm” on our platform, you formally declare and confirm that:

• 1. You are legally capable of entering into a binding contract.
• 2. You have provided accurate, truthful, and complete information to the best of your knowledge.
• 3. You understand and accept that GoGlobalSafe is an intermediary and that your actual insurance contract is with a third-party insurer.
• 4. You have read, understood, and unconditionally agree to be bound by these Terms and Conditions, the Privacy Policy, and the Refund Policy.

If you have any questions or require clarification regarding these Terms, please contact our support team at info@goglobalsafe.com prior to completing your purchase.

第1条：引言与公司身份

1.1 我们的身份： GoGlobalSafe 是一家领先的保险科技（InsurTech）平台。我们作为技术中介运营，致力于将用户（“客户”、“用户”或“您”）与各种保险产品及第三方保险提供商连接起来。

1.2 品牌与企业实体： GoGlobalSafe 是我们全球运营使用的品牌名称。根据您所在的地理位置及具体交易，您实际上是与我们生态系统内的企业实体订立协议，这些实体包括但不限于：

• GoGlobalSafe NY LLC (美国)
  ◦ 注册号：7564341
  ◦ 地址：104 West 40th Street, Suite 500, New York, NY 10018, USA
  ◦ 电话：+1-587-374-0835
• Horizon Trading Co., Limited (英国)
  ◦ UTR Number: 4928723973
  ◦ 地址：The Lansdowne Building, No 2 Lansdowne IRoad, Croydon, Greater London, United Kingdom
  ◦ 该网站由GoGlobalSafe与Horizeon Trading Co., Ltd.联合运营
• GOGLOBALSAFE (澳大利亚)
  ◦ ABN：112 289 254 76

1.3 我们的角色： 我们利用技术手段促成合适的留学生保险的搜索、比价与购买。使用本平台即表示您明确承认，我们仅作为您与第三方持牌保险机构或经纪人之间的促成者（Facilitator）。我们不是保险公司，不承担保险风险。

第2条：提供的服务与协议性质

2.1 中介服务： 我们提供技术和经纪服务，协助您比较、选择并购买第三方保险公司的保单。我们不承保风险、不签发保单，也不做出任何理赔决定。

2.2 第三方保险公司： 实际的保险合同仅存在于您与第三方保险公司之间。所有的保险报价、保障范围、保单条款与条件均由相应的保险公司提供，并受其最终核保批准的约束。

2.3 无承保保证： GoGlobalSafe 对保单的最终批准、最终定价、保障适用性或第三方保险公司的财务偿付能力不作任何保证或担保。

第3条：客户资格与如实告知义务

3.1 年龄要求： 您必须年满 17 周岁，或达到您所在司法管辖区的法定成年年龄，方可使用我们的服务并进行购买。如果您未达到法定年龄，必须由您的父母或法定监护人代为完成交易。

3.2 目标用户： 我们的服务严格面向寻求学生相关保险（如国际健康、旅行或学费保障）的学生或个人。您确认您符合所申请特定保单的资格标准。

3.3 最大诚信原则（信息准确性）： 保险合同依赖于最大诚信原则。您有法定义务在申请过程中提供准确、真实和完整的信息。任何虚假陈述、重大遗漏或欺诈性声明均可能导致您的保单被立即拒绝、保障被取消，或未来理赔被保险公司拒赔。

第4条：支付、定价与费用

4.1 支付处理： 所有用于支付保险费及适用平台/经纪服务费的款项均通过我们安全的支付网关进行处理。我们接受的支付方式包括微信支付（WeChat Pay）以及主流信用卡和借记卡。

4.2 扣款授权： 提供您的支付信息，即表示您授权 GoGlobalSafe 和/或相应的保险公司从您指定的支付方式中扣除应付全额款项，包括任何适用的税费、地方费用或附加费。

4.3 货币与汇率： 除非另有说明，所有交易将以结算页面显示的货币进行处理。您须自行承担您的银行或发卡机构收取的任何外汇兑换手续费。

第5条：取消、退款与防欺诈

5.1 取消与退款政策： 关于保单生效前后的取消规则、犹豫期退款、Waiver（豁免）失败退款保证，以及平台服务费的退还规则，均受我们单独的《GoGlobalSafe 退款政策》（Refund Policy）的严格管辖。该政策构成本条款不可分割的一部分。

5.2 平台防欺诈权利： 为保护我们的用户及保险合作伙伴，若我们怀疑存在欺诈行为（例如伪造学生身份、使用盗取信用卡）、洗钱嫌疑、无理的信用卡恶意拒付（Chargeback）或任何严重违反本条款的行为，GoGlobalSafe 保留绝对权利取消任何交易、阻止保单签发或暂停您的账户。

第6条：责任限制与免责声明

6.1 “按现状”提供： 我们的平台和服务按“现状”和“可用”基础提供，不附带任何明示或暗示的保证，包括但不限于对适销性或特定用途适用性的保证。我们不保证对网站的不间断访问或我们的技术绝对无误。

6.2 对保险公司行为免责： 在任何情况下，GoGlobalSafe 均不对第三方保险提供商的任何作为、不作为、错误或拒赔决定承担责任。

6.3 损害赔偿限制： 在适用法律允许的最大范围内，GoGlobalSafe 及其关联公司、董事和员工不对因您使用我们的服务或购买的保险产品而引起的任何直接、间接、附带、特殊、后果性或惩罚性损害（包括数据丢失、财务损失或学业中断）承担责任。

6.4 赔偿条款： 您同意赔偿 GoGlobalSafe 因您违反本条款、滥用平台或提供虚假信息而引起的任何索赔、责任、损害和费用（包括合理的律师费），并使我们免受损害。

第7条：隐私与数据保护

我们极其重视您的隐私。我们严格按照我们的《隐私政策》（Privacy Policy）收集、使用、存储和共享您的个人与敏感信息。同意本条款，即表示您明确同意按《隐私政策》所述处理您的数据，包括将您的必要信息共享给第三方保险公司以促成保单签发。

第8条：知识产权

GoGlobalSafe 平台上显示的所有内容、技术、软件、设计、文本、图形、徽标和商标均是 GoGlobalSafe 或其许可方的排他性财产，受国际版权和知识产权法保护。我们授予您将其用于个人非商业用途的有限的、非排他性许可。未经我们事先书面同意，您不得复制、抓取、分发或修改我们平台的任何部分。

第9条：管辖法律与争议解决

9.1 管辖法律： 一般而言，本条款以及由此引起或与您使用本平台相关的任何争议，均应受美国纽约州法律管辖并按其解释，不适用其冲突法原则。但是，对于我们向您提供服务的任何英国协议，本服务条款及该等英国协议均应受英国法律管辖并按其解释。

9.2 仲裁条款： 由本条款引起的、或与之相关的任何争议或索赔，或对本条款的违反，均应由美国仲裁协会（AAA）根据其商业仲裁规则进行有约束力的仲裁。除非双方另有约定或第9.1条适用的管辖地法律另有强制规定，仲裁应在纽约州纽约市进行。仲裁员作出的裁决可以提交至任何有管辖权的法院申请执行。

第10条：其他条款

10.1 完整协议： 本条款，连同我们的《隐私政策》、《退款政策》以及结算过程中提供的任何特定免责声明，构成您与 GoGlobalSafe 之间关于使用我们服务的完整协议。

10.2 可分割性： 如果本条款的任何规定被有管辖权的法院认定为不可执行或无效，该规定将被限制或消除至必要的最低程度，而其余规定将继续完全有效。

10.3 转让： 我们可在不通知您的情况下，将我们在本条款下的权利和义务转让或转移给第三方或公司关联方。未经我们事先书面同意，您不得转让或转移您在本条款下的权利或义务。

10.4 弃权： GoGlobalSafe 未能行使本条款的任何权利或规定，不构成对该等权利或规定的放弃。

用户声明与确认

在我们的平台上勾选同意框并点击“购买”、“提交”或“确认”时，您正式声明并确认：

• 1. 您具备合法能力签订具有约束力的合同。
• 2. 就您所知，您提供了准确、真实和完整的信息。
• 3. 您理解并接受 GoGlobalSafe 是一家中介机构，您的实际保险合同是与第三方保险公司签订的。
• 4. 您已阅读、理解并无条件同意受本《条款与条件》、《隐私政策》及《退款政策》的约束。

如果您对本条款有任何疑问或需要澄清，请在完成购买前通过 info@goglobalsafe.com 联系我们的支持团队。

1. Introduction and Who We Are

1.1 Our Identity & Role GoGlobalSafe is a leading InsurTech (Insurance Technology) platform. We operate as a technology intermediary designed to facilitate the search, comparison, and purchase of suitable student insurance coverage for users (the "Client" or "You"). You acknowledge and agree that we act solely as a facilitator between you and third-party insurance underwriters or licensed brokers, and not as an insurance carrier ourselves.

1.2 Brand and Corporate Entities GoGlobalSafe is the global brand name under which we operate. Depending on your geographical location and the services provided, your personal data is controlled by our ecosystem of corporate entities, which includes:

• GoGlobalSafe NY LLC (United States)
  ◦ Registration No.: 7564341
  ◦ Address: 104 West 40th Street, Suite 500, New York, NY 10018, USA
  ◦ Phone: +1-587-374-0835
• Horizon Trading Co., Limited (UK)
  ◦ UTR number: 4928723973
  ◦ Company Address:The Lansdowne Building, No 2 Lansdowne IRoad, Croydon, Greater London, United Kingdom
  ◦ The website is jointly operated by GoGlobalSafe and Horizeon Trading Co., Lim
• GOGLOBALSAFE (Australia)
  ◦ ABN: 112 289 254 76

2. Information We Collect

To effectively provide you with insurance quotes and facilitate policy issuance, we must collect the following necessary information:

• Personal Identifiers: Full name, date of birth, gender, email address, phone number, and residential/mailing addresses.
• Identity & Academic Information (Student Insurance Specific): Passport details, visa information, government-issued IDs, university/school enrollment letters, and student ID numbers (essential for verifying student insurance eligibility).
• Financial & Payment Data: Payment card details and billing addresses. (Note: We use PCI-DSS compliant secure third-party payment gateways; GoGlobalSafe never directly stores your full credit card number or CVV on our servers).
• Technical Data: IP address, browser type, device information, and interaction data collected via cookies when you navigate our platform.

3. How We Use Your Information

We process your personal data under the lawful basis of fulfilling our contractual obligations to you, complying with legal requirements, and operating our legitimate business interests. We use your data to:

• Facilitate Insurance Services: Search, compare, and connect you with appropriate insurance products based on your academic destination.
• Process Applications: Securely transmit your necessary details to underwriters and brokers to issue your policy.
• Customer Support: Respond to your inquiries, assist with claims processes, and provide account management.
• Platform Improvement: Analyze website usage to enhance our technological infrastructure and user experience.
• Compliance & Risk Control: Meet international anti-fraud, Anti-Money Laundering (AML), Know Your Customer (KYC), and tax/regulatory obligations.

4. How We Share Your Information

As an InsurTech intermediary, sharing data with specific third parties is an inherent and necessary part of our service. We do not sell, rent, or trade your personal data for marketing purposes. We only share your information with:

• Insurance Underwriters & Brokers: The primary recipients of your data. We must share your information to secure quotes, issue policies, and facilitate claims. Once your data is transferred, it is also subject to their respective privacy policies.
• Authorized Service Providers: Trusted third-party IT hosting, payment processors, and customer service platforms that operate under strict confidentiality agreements.
• Legal & Regulatory Authorities: When required by law, subpoena, or to protect the rights, property, or safety of our clients, GoGlobalSafe, or the public.

5. Data Security

We employ robust, industry-standard security measures to protect your data against unauthorized access, loss, or alteration:

• Encryption: All data transmission between your browser and our servers is protected using Advanced SSL (Secure Socket Layer) encryption.
• Access Control: Access to sensitive personal and academic documents is strictly limited to authorized personnel on a "need-to-know" basis.
• Secure Storage: All sensitive data is stored in encrypted databases protected by firewalls.
• Your Responsibility: You are responsible for keeping your account password confidential and logging out securely when using shared devices.

6. International Data Transfers

Because GoGlobalSafe operates globally (US, HK, AUS) and serves international students, your information may be transferred to, stored, and processed in countries outside of your home country. We ensure that such international transfers comply with applicable data protection laws (such as implementing Standard Contractual Clauses or ensuring the destination country has adequate privacy frameworks) to maintain consistent security standards.

7. Data Retention

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy, or as mandated by local laws (e.g., insurance regulatory requirements, tax, and accounting rules). When your data is no longer needed, it will be securely deleted or anonymized.

8. Cookies and Tracking Technologies

Our platform uses cookies to function effectively and personalize your experience:

• Essential Cookies: Required for site navigation, secure logins, and quote generation.
• Analytical Cookies: Help us understand platform traffic and user behavior. You can adjust your browser settings to refuse cookies, though this may limit your ability to use certain core features of our platform.

9. Your Privacy Rights

Depending on your jurisdiction (e.g., GDPR in Europe, CCPA in California, PDPO in Hong Kong, or APP in Australia), you may have the right to:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request that we correct inaccurate or incomplete information.
• Deletion (Right to be Forgotten): Request the erasure of your personal data, subject to legal or contractual retention obligations (e.g., active insurance policies).
• Objection/Withdrawal: Opt-out of marketing communications or object to specific data processing at any time.

To exercise these rights, please contact us using the information below.

10. Contact Us

If you have any questions about this Privacy Policy, our data practices, or wish to exercise your privacy rights, please contact our Data Protection Team at:

• 电子邮件： info@goglobalsafe.com
• Website: www.goglobalsafe.com
• Mail: You may also send written inquiries to the address of the GoGlobalSafe entity in your respective region (see Section 1).

Policy Updates

GoGlobalSafe reserves the right to modify this Privacy Policy at any time to reflect changes in our technology, services, or legal requirements. All updates will be posted on this page with a revised "Effective Date." We encourage you to review this policy periodically.

第1条：引言与我们的身份

1.1 我们的身份与角色 GoGlobalSafe 是一家领先的保险科技（InsurTech）平台。我们作为技术中介，致力于通过技术手段帮助用户（“客户”或“您”）搜索、比价并购买合适的留学生保险产品。您知悉并同意，我们在此过程中仅作为您与第三方持牌保险机构或经纪公司之间的促成者（Facilitator），而非承保人。

1.2 品牌与企业实体 GoGlobalSafe 是我们全球运营使用的品牌名称。根据您所在的地理位置及提供的具体服务，您的个人数据将由我们生态系统内的以下企业实体（数据控制者）进行管理：

• GoGlobalSafe NY LLC (美国)
  ◦ 注册号：7564341
  ◦ 地址：104 West 40th Street, Suite 500, New York, NY 10018, USA
  ◦ 电话：+1-587-374-0835
• Horizon Trading Co., Limited (英国)
  ◦ UTR Number: 4928723973
  ◦ 地址： The Lansdowne Building, No 2 Lansdowne IRoad, Croydon, Greater London, United Kingdom
  ◦ 该网站由GoGlobalSafe与Horizeon Trading Co., Ltd.联合运营
• GOGLOBALSAFE (澳大利亚)
  ◦ ABN：112 289 254 76

第2条：我们收集的信息

为了有效地为您提供准确的保险报价并协助保单签发，我们必须收集以下必要的个人信息：

• 个人身份信息： 您的全名、出生日期、性别、电子邮件地址、电话号码以及居住/邮寄地址。
• 身份与学术信息（留学生保险特有）： 护照详情、签证信息、政府颁发的身份证件、大学/学校录取通知书（Enrollment Letters）以及学生证号码（用于核实学生保险的购买资格）。
• 财务与支付数据： 支付卡详情及账单地址。（注：我们使用符合 PCI-DSS 标准的第三方安全支付网关，GoGlobalSafe 的服务器绝不直接存储您的完整信用卡号或 CVV 安全码）。
• 技术数据： 当您访问我们平台时，系统自动记录的 IP 地址、浏览器类型、设备信息以及通过 Cookie 收集的用户交互数据。

第3条：我们如何使用您的信息

我们基于履行合同义务、遵守法律要求以及维护合法商业利益的原则处理您的数据。我们将您的信息用于：

• 促成保险服务： 根据您的留学目的地，为您匹配、比较和连接合适的保险产品。
• 处理保单申请： 将您的必要申请详情安全地传输给第三方保险公司和经纪人，以完成保单签发。
• 客户支持： 回复您的咨询、协助处理理赔流程以及进行账户管理。
• 平台优化： 分析网站使用情况，以改进我们的技术架构和用户体验。
• 合规与风控： 履行国际反欺诈、反洗钱（AML）、了解你的客户（KYC）以及税务和监管义务。

第4条：信息的共享与披露

作为 InsurTech 中介平台，与特定的第三方共享数据是我们服务的内在核心部分。我们绝不向任何第三方出售、出租或交易您的个人数据以用于营销目的。 我们仅在以下情况共享您的信息：

• 保险公司与经纪人： 您的数据的主要接收方。我们必须共享您的信息以获取报价、出具保单并协助理赔。一旦您的数据传输给他们，该数据也将受其各自隐私政策的管辖。
• 授权服务提供商： 在严格的保密协议约束下，协助我们运营的第三方 IT 托管公司、支付处理商和客户服务平台。
• 法律与监管机构： 当法律规定、收到传票，或为了保护我们客户、GoGlobalSafe 或公众的权利、财产与安全时，我们将依法披露您的信息。

第5条：数据安全

我们采用行业标准的强大安全措施，保护您的数据免受未经授权的访问、丢失或篡改：

• 数据加密： 您的浏览器与我们服务器之间的所有数据传输均受高级 SSL（安全套接层）加密保护。
• 访问控制： 仅授权且具有“业务必要性”的内部员工方可访问敏感的个人和学术文件。
• 安全存储： 所有敏感数据均存储于受防火墙保护的加密数据库中。
• 您的责任： 您有责任对您的账户密码保密，并在使用公共设备后安全登出。

第6条：跨境数据传输

由于 GoGlobalSafe 在全球范围内（美国、香港、澳洲）开展业务并服务于国际学生，您的信息可能会被传输至您所在国以外的国家进行存储和处理。我们承诺，此类国际数据传输将符合适用的数据保护法律（例如签署标准合同条款，或确保接收国具备充分的隐私保护框架），以维持一致的安全标准。

第7条：数据保留

我们仅在本政策所述目的需要的期限内，或在当地法律（如保险监管要求、税务和会计准则）强制规定的期限内保留您的个人信息。当您的数据不再需要时，我们将对其进行安全删除或匿名化处理。

第8条：Cookie 与追踪技术

我们的平台使用 Cookie 来维持正常运行并提供个性化体验：

• 绝对必要 Cookie： 网站导航、安全登录和生成报价所必不可少的 Cookie。
• 分析型 Cookie： 帮助我们了解平台流量和用户交互行为。 您可以通过浏览器设置拒绝 Cookie，但这可能会限制您使用本平台的部分核心功能。

第9条：您的隐私权利

根据您所在司法管辖区的法律（如欧洲的 GDPR、加州的 CCPA、香港的 PDPO 或澳洲的 APP），您可能享有以下权利：

• 访问权： 要求获取我们持有的关于您的个人数据副本。
• 更正权： 要求我们更正不准确或不完整的信息。
• 删除权（被遗忘权）： 要求删除您的个人数据，但须受法律或合同保留义务（如有效保单期限）的限制。
• 反对/撤回同意权： 随时拒绝接收营销类通讯，或反对特定类型的数据处理。

若需行使上述权利，请通过以下方式联系我们。

第10条：联系我们

如果您对本隐私政策、我们的数据实践有任何疑问，或希望行使您的隐私权利，请联系我们的数据保护团队：

• 电子邮件： info@goglobalsafe.com
• 官方网站： www.goglobalsafe.com
• 邮寄地址： 您亦可将书面信函发送至您所在地区对应的 GoGlobalSafe 实体地址（详见第1条）。

政策更新

GoGlobalSafe 保留随时修改本隐私政策的权利，以反映我们技术、服务或法律要求的变化。所有更新将在本页面发布并附带修订后的“生效日期”。我们鼓励您定期查阅本政策。

Section 1: Definitions and Interpretations

For the purposes of this policy, the following terms shall have the meanings ascribed to them:

• "Platform" refers to the website www.goglobalsafe.com and its associated service systems operated by GoGlobalSafe.
• "Insurance Carrier" refers to the third-party licensed insurance institution or Lloyd's underwriter that actually assumes the insurance risk and issues the policy.
• "Premium" refers to the consideration paid by you through the platform to the Insurance Carrier for risk assumption, excluding any separate service fees charged by the platform.
• "Platform Service Fee" refers to the fee charged by GoGlobalSafe for providing technical comparison, consulting, information transmission, and transaction facilitation services, the amount of which is separately listed or included in the total price on your checkout page.
• "Waiver" refers to the act of applying to your educational institution to be exempted from its mandatory student health insurance plan using the policy purchased.
• "Waiver Failure" means that your exemption application has been officially and unconditionally rejected by the educational institution, and has not been successful in subsequent appeals.

Section 2: General Refund Rules

2.1 Core Principles All refunds are subject to the final review and approval of the Insurance Carrier. The Platform only assists in processing the transfer of funds upon receiving explicit instructions from the Carrier. You acknowledge and agree that the Insurance Carrier retains the ultimate right to interpret the insurance contract, and its decisions regarding cancellations and refunds are binding on you. As an intermediary, the Platform has no authority to unilaterally cancel an active policy.

2.2 Cancellation Before Effective Date If you submit a complete cancellation request before the policy's official Effective Date, you will receive a 100% full refund of the paid premium. The treatment of the Platform Service Fee depends on the specific instructions on the product page. Please note that requests submitted less than 24 hours before the Effective Date may be routed to the "Cooling-off Period Refund" process due to system synchronisation delays.

2.3 Cooling-off / Free-look Period Refunds If the Insurance Carrier provides a cooling-off or free-look period for its product, and you meet the following conditions within that period, you are entitled to a full refund of the paid premium (the Carrier may deduct a nominal administrative fee as per their rules):

• No claims of any kind have been filed.
• No medical visits, examinations, or pharmacy services covered by the policy have been utilised;
• A complete and valid written cancellation request has been submitted to the Platform.

2.4 Post-Cooling-off Period (Prorated) Refunds Cancellation requests submitted after the cooling-off period are subject to the Insurance Carrier's short-rate table. Generally, the refundable amount is calculated as follows: Refund Amount = Paid Premium - Prorated Premium for the Active Period - Carrier Administrative Fees - Any Paid Claims. In such refunds, Carrier administrative fees are non-refundable once deducted. Under Section 5 of the Terms and Conditions, the Platform Service Fee is non-refundable under any circumstances, unless otherwise stipulated in Section 3 "Waiver Failure 100% Refund Guarantee" of this policy or mandated by the laws of your jurisdiction.

2.5 Non-Refundable Scenarios Regardless of the circumstances, the Insurance Carrier will deny a refund, and the Platform has no obligation to advance funds, if any of the following occur:

• Any type of claim has been filed or is pending during the active period of the policy;
• Your cancellation request is submitted past the final deadline specified by the Insurance Carrier.
• Your policy has been declared void by the Insurance Carrier due to the provision of false information or other reasons.
• You engage in fraudulent activities or unwarranted chargebacks as defined in Section 4 of this policy.

Section 3: Waiver Failure 100% Money-Back Guarantee

As a student-oriented professional platform, we understand the uncertainty involved when waiving school insurance. Therefore, GoGlobalSafe specifically offers a "Waiver Failure 100% Refund Guarantee" to contractually reinforce your protection.

3.1 The Guarantee Provided all conditions in Subsection 3.3 are met, if you are unable to use the purchased policy due to a Waiver Failure, GoGlobalSafe promises to:

• Refund 100% of the total premium you paid (regardless of whether the Insurance Carrier deducts fees; the Platform will cover the difference);
• Refund the Platform Service Fee you paid (this clause overrides the general rule that service fees are non-refundable). The total amount you receive will equal the exact amount you paid at checkout.

第1条：定义与解释

为本政策之目的，下列术语具有如下含义：

• “平台” 指 GoGlobalSafe 运营的网站 www.goglobalsafe.com 及其相关服务系统。
• “保险公司” 指实际承担保险风险、签发保险单的第三方持牌保险机构或劳合社承保人。
• “保费” 指您通过本平台支付给保险公司的风险承担对价，不包括平台另行收取的服务费用。
• “平台服务费” 指 GoGlobalSafe 为提供技术比价、咨询、信息传输及交易撮合服务而收取的费用，其金额在您结算页面已单独列示或包含于总价中。
• “Waiver” 指您使用所购保险单向所在教育机构申请豁免该校强制健康保险计划的行为。
• “Waiver失败” 指您的豁免申请被教育机构正式、无条件地拒绝，且未在后续申诉中成功。

第2条：一般退款规则

2.1 核心原则 所有退款均以保险公司最终审核结果为准。平台仅在收到保险公司明确指令后协助处理资金流转。您知悉并同意，保险公司拥有保险合同的最终解释权，其关于退保、退费的决定对您具有约束力。作为中介，平台无权单方面决定取消生效中的保单。

2.2 保单生效前的取消 如果您在保单正式生效日期（Effective Date）之前提交完整的退保申请，您将获得已缴保费的 100% 全额退还。平台服务费的处理视具体产品页面的说明而定。请注意，如果在生效日前不足 24 小时提交申请，可能因系统同步延迟而转入“犹豫期/冷静期退款”流程。

2.3 犹豫期/冷静期退款 若保险公司为其产品设置了犹豫期或冷静期，并且您在该期限内满足以下条件，则您有权获得已缴保费的全额退还（保险公司可能扣除少量工本费，具体以保险公司规则为准）：

• 未发生任何理赔；
• 未使用过保单所覆盖的任何就诊、检查或药品服务；
• 向平台提交了完整、有效的书面退保申请。

2.4 犹豫期后常规退款 超过犹豫期的退保申请，适用保险公司的短期费率表。通常，可退还金额按下式计算： 退款金额 = 已缴保费 - 已生效期间对应的短期保费 - 保险公司行政手续费 - 任何已发生理赔金。此类退款中，保险公司行政手续费一经扣除不予返还。平台服务费依据《条款与条件》第5条，在任何情况下均不退还，除非本政策第3条“Waiver失败100%退款保证”另有规定或您所在法域法律强制性要求。

2.5 不予退款的情形 无论何种情形，出现下列情况之一的，保险公司将拒绝退款，平台亦无义务垫付：

• 保单生效期间已发生或正在处理任何类型的索赔；
• 您提交的退保申请时间已超出保险公司规定的最后时限；
• 您的保单因提供虚假信息等原因已被保险公司宣告无效；
• 您存在本政策第4条定义的欺诈或恶意拒付行为。

第3条：Waiver失败100%全额退款保证

作为学生导向的专业平台，我们理解您在豁免学校保险时的不确定性。为此，GoGlobalSafe 特别提供“Waiver失败100%退款保证”，以协议形式强化对您的保障。

3.1 保证内容 在满足本条第3.3款全部条件的前提下，若您因 Waiver 失败而无法继续使用所购保单，GoGlobalSafe 向您承诺：

• 100%退还您已支付的全部保费（无论保险公司是否已扣除相关费用，差额由平台承担）；
• 一并退还您已支付的平台服务费（此条优先于一般规则中服务费不退还的约定）。 您实际收回的总金额将等于您在下单时实付的全部款项。

3.2 适用前提：产品符合性 您所购买的保险产品，必须是 GoGlobalSafe 平台上明确标示为“符合/推荐用于您所在教育机构当前学年 Waiver 要求”的产品。如果您执意购买未被平台推荐或明确提示可能不符合您学校要求的保险计划，因不达标导致的 Waiver 失败，将不适用本项 100% 全额退款保证，而将转为常规退款流程。

3.3 申请条件 您须同时满足以下每一项条件，方可主张本保证：

• 保单用途限定： 该保单的唯一购买目的是用于向教育机构申请豁免学校保险计划，且您在购买时已明确选择相应Waiver支持选项（若有）；
• 拒信真实有效： 您能够提供由教育机构官方渠道出具的、包含明确拒绝理由的正式拒绝函件（电子版或纸质扫描件），且拒绝日期在保单生效日之后；
• 时间窗口内申请： 您必须在收到学校正式拒绝决定的 30个自然日内 通过电子邮件向平台提交退款请求，逾期将自动转为常规退款流程；
• 保单无使用记录： 保单自生效日至您提出退款期间，未产生任何医疗就诊、药品赔付、旅行援助或其他任何形式的理赔或服务使用记录；
• 信息真实一致： 您在购买保险时填写的个人信息、学校信息与向教育机构提交Waiver申请时的信息完全一致，不存在任何虚假或误导性陈述；
• 退还义务： 在获得退款前，您须配合撤销或取消该保单在教育机构的任何关联记录，并确认不再就同一保单向保险公司主张任何权利。

3.4 特别说明 若因您未按要求提供完整材料，或材料无法通过我们与教育机构的后台核验，我们有权暂停或拒绝该保证，但会明确告知理由。本保证仅适用于 Waiver 最终失败的情形。若您的 Waiver 因未补交材料等其他原因暂处“待定”状态，不属于保证范围。

第4条：恶意拒付防范与欺诈处理

为保护用户及保险合作伙伴，遵守相关反洗钱法（AML）及KYC规范，平台对退款申请实施严格风控。

4.1 禁止未经沟通的信用卡拒付（Chargeback Policy） 如果您对账单有疑问或需要退款，您同意首先通过 info@goglobalsafe.com 与我们的客服团队联系以寻求解决。如果您在未与我们尝试沟通、或仍在按本政策正常退款处理期间，直接向您的信用卡发卡行发起拒付（Chargeback）或争议，我们将立即中止您的保单。对于被证明是无理或恶意的拒付，平台保留向您追偿相关银行争议处理费（Dispute Fees）以及因调查该等行为所产生的行政成本的权利。

4.2 文件真实性核验与拒绝退款权利 您提交的学校拒绝函、身份证明等文件将被留存并可能通过非接触式后台渠道与教育机构公开信息进行比对。一旦发现以下任一情况，GoGlobalSafe 有权立即拒绝退款请求、永久关闭您的账户、没收已缴纳款项，并向相关执法机关或您所在国的管辖机构进行实名举报：

• 使用盗取的支付工具或未经授权的支付；
• 虚构学生身份；
• 通过PS等方式变造、伪造Waiver拒绝函或其他证明文件；
• 有组织地利用退款保证套利。

4.3 数据合规 为达成上述反欺诈目的，退款过程所产生的数据将作为法律合规证据，保留至法定最长期限，即使在退款完成后也不会立即删除。

第5条：其他可退款情形

5.1 重复支付/技术错误 若因平台支付网关技术故障导致同一笔保单被重复扣款，您可凭银行流水申请退还重复扣划的全部款项。平台将在核实后的 5个工作日内 原路退回，不收取任何手续费。

5.2 签证被拒导致无法入境（酌情处理） 本政策未就签证拒签情况提供普遍性的退款承诺。但部分保险公司产品可能内嵌签证拒签退款条款。请参照您具体保单条款，平台将据此协助您向保险公司申请。若保险公司同意退款，平台亦将放弃服务费，实现全额退还。

第6条：退款申请流程

6.1 提交请求 所有退款申请必须通过电子邮件提交至：info@goglobalsafe.com，邮件主题需注明“退款申请-您的姓名-保单号”。邮件正文应包含：

• 购买时使用的全名与联系方式
• 保单号码
• 购买日期及支付方式
• 退款原因（普通退保/Waiver失败/重复支付/生效前取消等）
• 附件要求：身份证明文件副本（匹配保单信息），及退款原因佐证材料（如学校拒绝函、重复支付银行记录等）。

6.2 审核与反馈 平台将在收到完整材料后的 3个工作日 内完成初审，并向您发送确认回执。如属于 Waiver 失败保证范畴，平台将与保险公司进行数据交叉验证。审核过程中，平台有权要求您补充额外材料，您应在 7个工作日 内提供，否则视为放弃申请。

6.3 退款发放（原路退回原则） 退款一经批准，金额将严格按原支付路径返还。信用卡/借记卡到账周期通常为 5至15个工作日，微信支付等电子钱包为 3至7个工作日，具体取决于发卡行或支付服务商的内部处理速度。平台不承担因您提供错误收款信息导致的资金损失或延迟。

第7条：责任限制与风险披露

7.1 平台中介责任恒定 除本政策第3条所作的明确特别承诺外，GoGlobalSafe 在任何情况下均不保证退款的最终实现。保险公司的偿付能力、核保政策变更等因素均超出平台控制。若保险公司破产或进入清算程序，退款可能受到指定清算人或保障基金规则的约束，平台不承担代偿责任。

7.2 外汇及手续费风险 若原路退回时产生汇率波动或中间行费用，该等损益由您自负，平台仅负责退还实际从支付网关接收的原始币种金额。

7.3 不可抗力 由于自然灾害、战争、网络攻击、金融体系中断等不可抗力导致的退款延迟或失败，平台不承担责任。

第8条：争议之解决

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