Legal Disclaimers

 

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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Links to CIGNA Web Sites
CIGNA grants a nonexclusive, limited permission to the owners of other web sites ("Linking Site Owners") to link to CIGNA web sites. Such link shall not (a) suggest that CIGNA promotes or endorses any third party's causes, web sites, products or services, or (b) be used or associated with any inflammatory, pornographic, defamatory or unlawful site or materials in any way, or in any manner that would disparage or adversely affect the name, reputation and goodwill of CIGNA and its products and services.
CIGNA retains and reserves all rights to its domain names, trade names, trademarks and logos, copyrights and all other intellectual property. We reserve the right to withdraw permission for any link.
Linking Site Owners shall indemnify, defend and hold harmless CIGNA from and against all liability, demands, claims, suits, losses, damages, infringement of proprietary rights, causes of action, fines, or judgments (including costs, attorneys' and witnesses' fees, and expenses incident thereto), arising out of their failure to comply with the terms and conditions of this "Links to CIGNA Web Sites" section


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Links to Other Sites
While visiting CIGNA web sites, you may leave them and access certain non-CIGNA Web sites. CIGNA neither reviews nor controls the content and accuracy of these Web sites, and therefore will not be responsible for their content and accuracy. Your access to non-CIGNA Web sites is at your sole risk.
Other Web sites on the Internet may contain unedited, sexually explicit, violent, racist or other types of material, which may be offensive to you. Please access other Web sites at your own discretion.


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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 web sites or any of their 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 web sites. 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 CIGNA web sites 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 CIGNA web sites. 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 web sites 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 10-Q 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 sites. 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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Limitation of Liability
You agree by accessing CIGNA web sites 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 CIGNA web sites or any information, goods or services obtained on CIGNA web sites 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 web sites.

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Changes and Applicable Law
We reserve the right to make changes to CIGNA web sites and our Legal Disclaimer/Conditions of Use. We encourage you to review the CIGNA web sites and these terms periodically for any updates or changes. Your continued access or use of CIGNA web sites 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 web sites and purchases of products from CIGNA web sites 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 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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