Except as explicitly set forth in the official plan documents and certificates for coverages offered by IQVIA Inc. or as described in the QMCSO and QDRO paragraphs below, your benefits and rights under the IQVIA plans (including the right to request documents and bring a lawsuit under ERISA) are personal to you and cannot be transferred or assigned to any other person or entity. Nothing in this Handbook or the plan documents shall be construed to make the IQVIA Plans or IQVIA Inc. liable for medical care, treatment, or services. Direct payments to a provider will not constitute a waiver of this non-assignability of rights provision.