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Legal Disclaimer
January 16, 2002
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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Product Descriptions — Not Available in all States
The product descriptions, if any, provided on CIGNA.com 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.
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Links to Other Sites
While visiting CIGNA.com, you may leave the CIGNA Web site 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.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 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
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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Minors and Child Online Privacy Protection Act
CIGNA.com 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
CIGNA.com, 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 CIGNA.com; and (iii) the consequences of any use.
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The Digital Millennium Copyright Act
CIGNA reserves the right, but not the obligation, to terminate your access to CIGNA.com 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:
Timothy Gifford
CIGNA Corporation
1601 Chestnut Street, TL48D
Philadelphia, PA 19192
215.761.6254
Please complete the notification form and submit.
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:
- A 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.
- 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.
- 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.
- Information reasonably sufficient to permit us to contact you, such as your address, telephone number,
and/or electronic mail address.
- 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 CIGNA.com 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
CIGNA.com to a foreign national or foreign country in violation of those laws.
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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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