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Products and Services Provided by CIGNA Corporation Subsidiaries
"CIGNA®" is a registered service mark of CIGNA Intellectual Property, Inc., licensed for use by CIGNA Corporation and its subsidiaries. CIGNA Corporation is a holding company and is not an insurance or an operating company. Therefore, products and services are provided exclusively by subsidiaries and not by CIGNA Corporation. "CIGNA" may refer to CIGNA Corporation itself or one or more of its subsidiaries, but when used in connection with the provision of a product or service, always refers to a subsidiary.
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General Disclaimer
All material including any link to other sites and content found at linked sites is provided "as is" and without any express or implied warranties including warranties of merchantability or fitness for a particular purpose. Due to the nature of the Internet, CIGNA does not warrant that access to CIGNA.com or any of its pages will be uninterrupted or error free. CIGNA does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on CIGNA.com. Note that some jurisdictions may not allow the exclusion of implied warranties so some of the above exclusions may not apply to you. Please check your local laws for any such restrictions.
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Viruses, Worms, Use of Files
CIGNA cannot and does not guarantee or warrant that files available for downloading from this site are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. CIGNA does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will CIGNA be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate CIGNA copyright holder.
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Health Information
The health information on this Web site is provided by CIGNA solely for informational purposes as a public service to promote consumer health. It does not constitute medical advice and is not intended to be a substitute for proper medical care provided by a physician. CIGNA assumes no responsibility for any circumstances arising out of the use, misuse, interpretation or application of any information supplied on this site. Always consult with your doctor for appropriate examinations, treatment, testing, and care recommendations. Do not rely on information on this site as a tool for self-diagnosis.
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Forward-Looking Statements
CIGNA.com may from time to time contain forward-looking statements that include information about financial prospects, plans and objectives of management for future operations, economic conditions, trends and known uncertainties. CIGNA cautions the reader that actual results could differ materially from those that CIGNA expects, depending on the outcome of certain factors. In some cases, CIGNA describes uncertainties when offering forward-looking statements. Some factors that could cause CIGNA's actual results to differ materially from forward-looking statements ("Risk Factors") are listed in the most recent Form 10-K or Form  (PDF) CIGNA filed with the Securities and Exchange Commission.CIGNA does not undertake any obligation to correct or update any forward-looking statements on the CIGNA Web site. CIGNA also cautions the reader that the list of Risk Factors that appears in the most recent Form 10-K or Form 10-Q CIGNA filed with the SEC may be modified by any subsequent SEC filings, such as Form 8-K, proxy statements, and other SEC filings. CIGNA will not update the Risk Factors listed in any of CIGNA's SEC filings prior to the next required SEC filing. The list of Risk Factors provided in any of CIGNA's SEC filing may not be complete, and speaks only as of the date filed with the SEC.
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Trademarks
There are references throughout CIGNA.com to various trademarks or service marks and these, whether registered or not, are the property of their respective owners.
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Message Boards and Chat Rooms
It is a condition of your use of Message Boards or Chat Rooms that you do not:
(i) post or transmit any unlawful, threatening, abusive, libelous, defamatory, racial, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law;
(ii) post or transmit comments containing harassing or offensive language, using sexual references, sexual nicknames, racial slurs or rude or deliberately offensive comments or engage in disruptive activity online, including excessive use of scripts, sound waves, scrolling (repeating the same message over and over), or use viruses, worms or Trojan horses;
(iii) post or transmit any information, software or other material which violates or infringes the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works without first obtaining permission from the owner;
(iv) post or transmit any information, software or other material which contains a virus, worm, Trojan horse or other code that has contaminating or destructive properties;
(v) post any information, software, or other material for commercial purposes;
(vi) solicit other users to join or contribute money to any online service or other organization, advocate or attempt to get users to join in legal or illegal schemes;
(vii) impersonate any person or entity or falsely represent your professional or other affiliation with any person or entity; or
(viii) use CIGNA.com to collect personally identifiable information in violation of our Privacy Policy. You agree CIGNA, at its sole and absolute discretion, shall determine whether any information transmitted or received violates this provision.You agree to indemnify and hold CIGNA and its employees, officers, directors and agents harmless from any claim or demand, including reasonable attorneys' fees, made by a third party arising from any material you contribute to Message Boards or Chat Rooms you access via CIGNA.com.
You understand that CIGNA has no obligation to monitor Message Boards or Chat Rooms. CIGNA reserves the right at all times to disclose any information regarding the Message Boards or Chat Rooms, or to remove any information or materials, in whole or in part, that in CIGNA's sole and absolute discretion are objectionable. You acknowledge that CIGNA reserves the right to monitor any and all information transmitted or received through CIGNA.com which may be examined, recorded, copied, and used in accordance with our CIGNA Privacy Information. Use of CIGNA.com constitutes consent to such activity by CIGNA.
When using CIGNA.com, please be certain that anything you disclose does not compromise your personal safety. Do not provide your name, phone number, social security number or any other personally identifying information to people you do not know. Do not continue any conversation online that makes you feel uncomfortable.
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Limitation of Liability
You agree by accessing CIGNA.com that under no circumstances or any theories of liability under international or civil, common or statutory law including but not limited to strict liability, negligence or other tort theories or contract, patent or copyright laws, will CIGNA be liable for damages of any kind occurring from the use of this web site or any information, goods or services obtained on this web site including direct, indirect, consequential, incidental, or punitive damages (even if CIGNA has been advised of the possibility of such damages), to the fullest extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages so some of these limitations may not apply to you.
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Calculations and Investment Decisions
Financial calculators\calculations are provided for illustrative purposes only. You are responsible for verifying the accuracy and suitability of all assumptions and calculations. Please seek the advice of licensed and/or competent individuals before making any investment or financial planning decisions. Do not rely solely on financial calculators\calculations or financial or retirement information found on CIGNA.com.
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Changes and Applicable Law
We reserve the right to make changes to CIGNA.com and our Legal Disclaimer/Conditions of Use. We encourage you to review the Web site and these terms periodically for any updates or changes. Your continued access or use of CIGNA.com shall be deemed your acceptance of these Legal Disclaimers/Conditions of Use and any changes and the reasonableness of these standards for notice of changes. Use of CIGNA.com and purchases of products from CIGNA.com will be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without giving effect to its conflict of law provisions.
You agree that any legal action or proceeding between you and CIGNA.com will be brought exclusively in a federal or state court of competent jurisdiction sitting in Philadelphia, Pennsylvania. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.
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