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Cigna's Online Portal for Employers and Plan Sponsors Legal Disclaimer

Last revised: 5/29/2020


By using Cigna's Online Portal for Employers and Plan Sponsors (the "Secured Site"), you agree to the following terms and conditions. Your continued access or use of the Secured Site shall be deemed your acceptance of this Legal Disclaimer.

Definitions; 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.

Cigna Content and Others' Content
While using the Secured Site, you may access certain social media and other websites, services or applications with a different look and feel. If such website, service or application is operated by Cigna, it will display the Cigna brand and be subject to our Privacy Information and this Legal Disclaimer. If such website, service or application is not operated by Cigna (a "Non-Cigna Site"), Cigna does not review, control or endorse the content and accuracy of any such Non-Cigna Site and therefore will not be responsible for its content or accuracy. Also, while using or accessing Non-Cigna Sites, you may have information displayed or collected about you based on certain user controlled settings or according to the privacy policies of the Non-Cigna Sites. The privacy policies of Non-Cigna Sites may not be the same as Cigna’s Privacy Information. Your access to Non-Cigna Sites is at your sole risk.

Site Administration and Plan Sponsor Use
Note: This section applies only if you have access to the Site Administration tool.

The Site Administration tool is furnished by Cigna to provide plan sponsors (including similarly situated entities that are not sponsors of benefit plans), their employees and agents, with a tool for administering security for their users of certain Cigna online services.

Cigna User IDs and Passwords should NEVER be shared. Plan sponsors are fully and solely responsible for all activities performed under the security administrator User ID(s) and Password(s) issued to the plan sponsor, and under the User IDs and Passwords of other users to whom the plan sponsor delegates access. Cigna is entitled to rely on all activities utilizing the security administrator User ID(s) and Password(s) until notified in writing by the plan sponsor to the contrary. Plan sponsors are also fully and solely responsible for adding and deleting access for employees and agents as they change employment and responsibilities. Notwithstanding the foregoing, once the plan sponsor or employer terminates its relationship with Cigna, we reserve the right to terminate access in accordance with applicable policy or agreement in effect with such plan sponsor or employer.

This agreement addresses only the use of the Secured Site and does not change anything in any other agreement between Cigna and the plan sponsor or plan sponsor's employees and agents.

Information processed by the Site Administration tool and the Secured Site should be treated as confidential. Such information may not be used or disclosed to any party except as expressly authorized herein.

Health Information
Health information available through the Secured 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 professional medical care. Always consult your physician for appropriate examinations, treatment, testing and care recommendations. Do not rely on this health information as a tool for self-diagnosis. Any messages, advice, opinions or other information contained in any discussion area should not be construed as professional advice or instruction.

Forward-Looking Statements
The Secured Site may, from time to time, contain forward-looking statements that include information about Cigna's financial prospects, plans and objectives of management for future operations, economic conditions, trends and known uncertainties. Cigna cautions you 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 (SEC). Cigna does not undertake any obligation to correct or update any forward-looking statements on the Secured Site. Cigna also cautions you 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 reports on 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 Cigna SEC filing may not be complete and speaks only as of the date filed with the SEC.


Social Networking Media

Your use of social networking media, including but not limited to participation in or use of blogs, threaded discussions, message boards and wikis (“Social Media”), is conditioned upon your compliance with the following:

  1. Do not post or transmit any unlawful, threatening, abusive, libelous, defamatory, racist, obscene, vulgar, pornographic, profane or indecent information. This includes, without limitation, any transmissions that are or that encourage illegal conduct. This ban includes anything that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.
  2. Never post or transmit comments containing harassing or offensive language, using sexual references, sexual nicknames, racial slurs or rude or deliberately offensive comments.
  3. Do not engage in disruptive activity online, including excessive use of scripts, sound waves or scrolling (repeating the same message over and over).
  4. Do not post or transmit any information, software or other material that violates or infringes the rights of others. This prohibition includes material that constitutes an invasion of privacy or publicity rights permission from the owner.
  5. Never post or transmit any information, software or other material that contains a virus, worm, Trojan horse or other code that has contaminating or destructive properties.
  6. Do not post any information, software or other material for commercial purposes.
  7. Do not solicit other users to join or contribute money to any online service or other organization, or advocate or attempt to persuade users to join in legal or illegal schemes.
  8. Never pretend to be any other person or entity. Site users also may not falsely represent their professional or other affiliation with any person or entity.
  9. Do not use the Secured Site to collect personally identifiable information in violation of the policies contained in the Cigna Privacy Information.

You agree that Cigna, at our sole and absolute discretion, determines whether any information transmitted or received violates this provision.

You also agree to indemnify and hold Cigna and our employees, officers, directors and agents harmless from any claim or demand, including reasonable attorneys' fees, made by a third party arising from any information or material you contribute to the Social Media you access via the Secured Site.

Cigna has no obligation to monitor Social Media. But we reserve the right to monitor any and all information transmitted or received through the Secured Site. Cigna may examine, record, copy and use any information on the Secured Site in accordance with the Cigna Privacy Information. We reserve the right, in our sole and absolute discretion to remove any information or materials, in whole or in part, from Social Media.

When using the Secured Site or Social Media, please be certain that anything you disclose does not compromise your personal safety. Please don't provide your name, phone number, social security number or any other personally identifying information to people you do not know. Don't continue any conversation online that makes you feel uncomfortable. Protect your safety and privacy.


General Disclaimer and Limitation of Liability
Information on this Secured Site is provided "AS IS" and without warranties of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. All information is presented without any warranty as to its reliability, accuracy, timeliness, usefulness or completeness. Cigna does not warrant that access to the Secured Site will be uninterrupted or error-free. You agree to use the Secured Site at your own risk. Cigna assumes no responsibility for any circumstances arising out of the use, misuse, interpretation, or application of any information supplied on this site. You agree by accessing the Secured Site 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 the Secured Site or any information, goods or services obtained through the Secured 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.

We reserve the right to suspend or terminate access to the Secured Site to address non-compliance with this Legal Disclaimer or applicable law, or to protect the integrity, availability or security of the Secured Site. We also reserve the right to terminate your access if you have not accessed the Secured Site in 12 months.

Web-Enabled Mobile or Handheld Devices

Certain web and smartphone applications of the Secured Site have been designed to run on a personal computer, standard laptop or web-enabled mobile device. If you view or use the Secured Site on a mobile or handheld device you may experience some display and functionality limitations. You may experience varying wireless network coverage and speed, depending on your geographic location and telecommunications provider. The Secured Site should not be used while operating any motor vehicle, or in any other manner that might endanger yourself or others.

If your mobile device uses global positioning system (“GPS”) technology, trackers, or other location tracking tools, your location information may be used for purposes of determining your location when using a function on the Secured Site that uses such information. While using the Secured Site, if you allow your location information to be obtained, we will use this information solely to return your estimated location and to provide you with more personalized results and/or services. Cigna does not monitor your GPS tracking or location information, and does not save this information. We will not use this information to identify you or disclose this information to any third parties.

By using the Secured Site you expressly agree and acknowledge that Cigna shall not be responsible for any of the following: (a) performance limitations and/or failures experienced in connection with any wireless or Wi-Fi service used to access the Secured Site; (b) data transmitted through wireless access that may be intercepted by unauthorized persons; or (c) your failure to physically secure and/or monitor your personal computer, laptop or wireless device or to protect your passwords, resulting in unauthorized access to the Secured Site and/or your Cigna account or plan information.

While using any web-enabled mobile or handheld device to use the Secured Site, standard mobile phone carrier and data usage charges will apply. You expressly agree and acknowledge that the use of any mobile or handheld device is at your sole risk and shall be in accordance with all applicable local, state and federal laws.

Updates and Reverse Engineering
By using the Secured Site, you agree to receive any applicable software updates that may be issued from time to time by Cigna. You agree to accept and install such updates as part of your use of the Secured Site. You also agree not to reverse engineer, modify, decompile, adapt, translate, disassemble, or otherwise attempt to discover the source code of the Secured Site and/or any Cigna application.

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 copyright holder.

Minors and Child Online Privacy Protection Act
The Secured Site does not direct content to Minors and does not intend to collect personal information from Minors and, therefore, is not subject to the Child Online Privacy Protection Act. If you allow your minor child, or a child for whom you are legal guardian (a "Minor"), to access and use the Secured Site, you agree that you will be solely responsible for: (i) the online conduct of such Minor; (ii) monitoring such Minor's access to and use of the Secured Site; (iii) the consequences of any use.

Privacy
Cigna Privacy Information and the privacy statements and practices of non-Cigna web sites may be different. Please review the Cigna Privacy Information and each privacy statement applicable to non-Cigna content that you may visit from the Secured Site.

The Digital Millennium Copyright Act
Cigna reserves the right, but not the obligation, to terminate your access to the Secured Site if it determines in its sole and absolute discretion that you are involved in infringing activity, including alleged acts of first-time or repeat infringement, regardless or whether the material or activity is ultimately determined to be infringing. Cigna and its service providers accommodate and do not interfere with standard technical measures used by copyright owners to protect materials. Cigna has implemented procedures for receiving written notification of claimed infringements and for processing such claims in accordance with the Act. Our designated agent to receive notification of claimed infringement is:

Troy Larson
Cigna
1601 Chestnut St-Two Liberty, TL7LH
Philadelphia, PA 19192
215.761.6221

Any written notice regarding any infringement of copyright or of other proprietary rights, should be sent to our designated agent, listed above, and must include the following information:

  1. Physical or electronic signature of a person authorized to act on behalf of (i) the owner of an exclusive right that is allegedly infringed or (ii) the person defamed.
  2. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
  3. Identification of the material that is claimed to be infringing, or to be the subject of infringing activity, including information reasonably sufficient to permit us to locate the material.
  4. Information reasonably sufficient to permit us to contact you, such as your address, telephone number, and/or electronic mail address.
  5. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright or other proprietary right owner, its agent, or the law.

If you choose to access the Secured Site from outside the United States you do so on your own initiative and are responsible for compliance with U.S. and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with U.S. export control laws and that you will not transfer any software or other content from the Secured Site to a foreign national or foreign country in violation of those laws.

Product Descriptions - Not Available in all States
The product descriptions, if any, provided on the Secured Site are not intended to constitute offers to sell or solicitations in connection with any products or services. Some products may not be available in all jurisdictions. Anyone interested in a particular product should contact the indicated Cigna business to determine whether the product is available in their jurisdiction and to request a copy of the applicable policy or prospectus for a complete description of the product.

Calculations and Investment Decisions
Financial calculators and 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 the Secured Site.

Trademarks
There are references throughout the Secured Site to various trademarks or service marks and these, whether registered or not, are the property of their respective owners.

Document Terms of Use

  1. The terms of use in this section shall extend to any document posted on the Secured Site for you by Cigna in connection with its insured life, disability, accident or health policies or in connection with the administration of self-funded agreements. Such Documents include those specific to Cigna's clinical programs, provider network, care management, or claim or other administrative services.
  2. You acknowledge that all such Documents are the property of Cigna, and may not be reproduced, modified or distributed except as permitted herein or otherwise in writing by Cigna.
  3. With respect to the following Documents, you are granted a non-exclusive revocable license, for so long as a Policy or Agreement remains in effect, to (a) print, without alteration other than insertion of employer specific information, and distribute to persons insured thereunder, certificates of insurance and/or summary plan descriptions; (b) distribute to eligible brochures and enrollment materials supplied by Cigna, in blank or personalized; (c) provide administrative forms to enrolled participants where appropriate; and (d) make available on any Intranet, or other network not accessible to the public, in .PDF format or such other form as is approved by the Cigna, any such Documents for uses consistent with the foregoing. Unless Cigna has consented in writing, any use other than as set forth above is prohibited.
  4. You shall be permitted to incorporate language of certificates of insurance or plan documents into summary plan descriptions and other materials describing the benefits of the insurance policies or your benefit plan. No such derivative work may appear to originate from the Cigna, bear any form number assigned by Cigna, or bear Cigna's logo, without Cigna's written permission. You assume full responsibility for any materials created by or for you which are comprised of modifications or alterations of language to Documents provided by Cigna, and you agree to indemnify and hold harmless Cigna with respect to any claims that may be asserted against Cigna, its affiliates, or their respective officers, employees or agents with respect thereto.
  5. You shall not alter or remove any copyright notice contained on any Document furnished by Cigna.
    You are not permitted to alter or modify the content of any Document subject to these Document Terms of Use, except for the purpose of analysis, negotiation, and similar purposes. No such altered form shall be provided to any participant or other person.
  6. In the event of termination of any or all Policies or Agreements, on request of Cigna, you will discontinue use of all Documents, except as required by law.


Changes and Applicable Law
We reserve the right to make changes to the Secured Site and this Legal Disclaimer. We encourage you to review the Secured Site and these terms periodically for any updates or changes. Your continued access or use of the Secured Site shall be deemed your acceptance of this Legal Disclaimer and any changes and the reasonableness of these standards for notice of changes. Use of the Secured Site 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.