Cigna<i>Plus</i> Savings Program Terms and Conditions
Legal Disclaimer

By using Cigna's websites or any Cigna products, software,mobile applications, or other electronic or web-based services (collectivelyreferred to as the "Service"), you agree to the following terms andconditions. Your continued access or use of the Service shall be deemed youracceptance of this Legal Disclaimer.


Products and ServicesProvided by Cigna Corporation Subsidiaries

Cigna Corporation is a holding company and is not aninsurance or an operating company. Therefore, products and services areprovided exclusively by or through operating subsidiaries and not by CignaCorporation. "Cigna" may refer to Cigna Corporation itself or one ormore of its subsidiaries, but when used in connection with the provision of aproduct or service, always refers to a subsidiary.


Product Descriptions- Not Available in all States

The product descriptions, if any, provided on the Serviceare for informational purposes only and are subject to change. Productavailability may vary by area and plan type and is subject to change. Productdescriptions are not a contract and are not intended to constitute offers tosell or solicitations in connection with any products or services. Anyoneinterested in a particular product should contact their licensed insurance agent,Cigna sales representative, or plan sponsor to determine whether the product isavailable in their area and to request a copy of the applicable policy or otherplan documents for a complete description of the product.


Links to Cigna Websites

A. Text Links

Cigna grants a nonexclusive, limited permission to theowners of other web sites ("Linking Site Owners") to link to Cignaweb sites using text links. Such link shall not (a) suggest that Cigna promotesor endorses any third party's causes, web sites, products or services, or (b)be used or associated with any inflammatory, pornographic, defamatory orunlawful site or materials in any way, or in any manner that would disparage oradversely affect the name, reputation and goodwill of Cigna and its productsand services.


Cigna retains and reserves all rights to its domain names,trade names, trademarks and logos, copyrights and all other intellectualproperty. We reserve the right to withdraw permission for any link.


Linking Site Owners shall indemnify, defend and holdharmless Cigna from and against all liability, demands, claims, suits, losses,damages, infringement of proprietary rights, causes of action, fines, orjudgments (including costs, attorneys' and witnesses' fees, and expenses incidentthereto), arising out of their failure to comply with the terms and conditionsof this "Links to Cigna Web Sites" section.


B. Logo Links

Linking Site Owners who desire to link to Cigna web sitesusing Cigna's "Tree of Life" logo must comply with the requirementsset forth in Link to Our Site with a Cigna Logo, including the completion ofthe Linking License Application Form and execution of the Linking LicenseAgreement.


Third Party Content

While using the Service, you may access or be directed to thewebsites, applications, content, or information of third parties (collectively,“Third Party Content”). Third Party Content is provided as a matter ofconvenience and is for informational purposes only. The inclusion of ThirdParty Content on the Service is not an endorsement by Cigna of the thirdparties or Third Party Content, and such inclusion should not be construed as anendorsement by such third parties of the products, services, information orwebsites of Cigna and/or its affiliates. Cigna neither reviews, controls norendorses the content and accuracy of any Third Party Content, and thereforewill not be responsible for their content and accuracy. Third Party Content mayalso be subject to different and/or additional terms of use, privacy and/orother policies of such third parties. Cigna is not responsible for thepractices of such third parties. Your access to Third Party Content is at yoursole risk.


Other websites on the Internet may contain unedited,sexually explicit, violent, racist or other types of material, which may beoffensive to you. Please access other websites at your own discretion.


General Disclaimer

All material including any link to other sites and contentfound at linked sites is provided "as is" and without any express or impliedwarranties including warranties of merchantability or fitness for a particularpurpose. Due to the nature of the Internet, Cigna does not warrant that accessto the Service will be uninterrupted or error free. Cigna does not warrant ormake any representations regarding the usefulness of or the expected results ofthe material contained on the Service. Note that some jurisdictions may notallow the exclusion of implied warranties so some of the above exclusions maynot apply to you. Please check your local laws for any such restrictions.


Viruses, Worms, Useof Files

Cigna cannot and does not guarantee or warrant that filesavailable for downloading from the Service are free of viruses, worms, Trojanhorses or other code that has contaminating or destructive properties. Cignadoes not make any express or implied warranties, representations orendorsements whatsoever (including without limitation warranties of title,noninfringement or fitness for a particular purpose) with respect to the filesavailable for downloading from the Service. In no event will Cigna be liable toyou or to anyone else for any decision made or action taken by you or anyoneelse in reliance on results obtained from use of files downloaded from theService. These files may be downloaded and/or reprinted for personal use only.Permission to reprint or electronically reproduce any document or graphic inwhole or in part for any reason except for personal use is expresslyprohibited, unless prior written consent is obtained from the appropriate Cignacopyright holder.


Health Information

The health information on the Service is provided by Cignasolely for informational purposes as a public service to promote consumerhealth. It is not meant to provide medical advice tailored to you in any way. Itdoes not constitute medical advice and is not intended to be a substitute forproper medical care provided by a physician. Cigna assumes no responsibilityfor any circumstances arising out of the use, misuse, interpretation orapplication of any information supplied on the Service. Always consult withyour doctor for appropriate examinations, treatment, testing, and carerecommendations. Do not rely on information on this site as a tool forself-diagnosis. If you have a medical emergency, call 911.



The Service may from time to time contain forward-lookingstatements that include information about financial prospects, plans andobjectives of management for future operations, economic conditions, trends andknown uncertainties. Cigna cautions the reader that actual results could differmaterially from those that Cigna expects, depending on the outcome of certainfactors. In some cases, Cigna describes uncertainties when offeringforward-looking statements. Some factors that could cause Cigna's actualresults to differ materially from forward-looking statements ("RiskFactors") are listed in the most recent Form 10-K or Form 10-Q Cigna filedwith the Securities and Exchange Commission.


Cigna does not undertake any obligation to correct or updateany forward-looking statements on the Service. Cigna also cautions the readerthat the list of Risk Factors that appears in the most recent Form 10-K or Form10-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 notupdate the Risk Factors listed in any of Cigna's SEC filings prior to the nextrequired SEC filing. The list of Risk Factors provided in any of Cigna's SECfiling may not be complete, and speaks only as of the date filed with the SEC.



There are references throughout the Service to varioustrademarks or service marks and these, whether registered or not, are theproperty of their respective owners. The registered marks “Cigna,” the “Tree ofLife” logo, “CignaPlus Savings” and other Cigna marks are owned by CignaIntellectual Property, Inc.


Social NetworkingMedia

Your use of social networking media, including but notlimited to participation in or use of blogs, threaded discussions, messageboards and wikis (“Social Media”), is conditioned upon your compliance with thefollowing:


  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 Service to collect personally identifiable information in violation of the policies contained in the Privacy Policy by TRUSTe.


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


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


Cigna has no obligation to monitor Social Media. But wereserve the right to monitor any and all information transmitted or receivedthrough the Service. Cigna may examine, record, copy and use any information onthe Service in accordance with the PrivacyPolicy by TRUSTe. We reserve the right, in our sole and absolute discretionto remove any information or materials, in whole or in part, from Social Media.


When using the Service or Social Media, please be certainthat anything you disclose does not compromise your personal safety. Pleasedon't provide your name, phone number, social security number or any otherpersonally identifying information to people you do not know. Don't continueany conversation online that makes you feel uncomfortable. Protect your safetyand privacy.


Web-Enabled Mobile orHandheld Devices

Certain web and smartphone applications of the Service havebeen designed to run on a personal computer, standard laptop or web-enabledmobile device. If you view or use the Service on a mobile or handheld deviceyou may experience some display and functionality limitations.  You may experience varying wireless networkcoverage and speed, depending on your geographic location andtelecommunications provider.  The Serviceshould not be used while operating any motor vehicle, or in any other manner thatmight endanger yourself or others.


If your mobile device uses Global Positioning System (GPS)technology, trackers, or other location tracking tools, your locationinformation may be used for purposes of determining your location when using afunction on the Service that uses such information. While using the Service, ifyou allow your location information to be obtained, we will use thisinformation solely to return your estimated location and to provide you withmore personalized results and/or services. Cigna does not monitor your GPS trackingor location information, and does not save this information.  We will not use this information to identifyyou or disclose this information to any third parties.


By using the Service you expressly agree and acknowledgethat Cigna shall not responsible for any of the following: (a) performancelimitations and/or failures experienced in connection with any wireless orWi-Fi service used to access the Service; (b) data transmitted through wirelessaccess that may be intercepted by unauthorized persons; or (3) your failure tophysically secure and/or monitor your personal computer, laptop or wirelessdevice or to protect your passwords, resulting in unauthorized access to theService and/or your Cigna account or plan information.


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


Updates and ReverseEngineering

By using the Service, you agree to receive any applicablesoftware updates that may be issued from time to time by Cigna. You agree toaccept and install such updates as part of your use of the Service. You alsoagree not to reverse engineer, modify, decompile, adapt, translate,disassemble, or otherwise attempt to discover the source code of the Serviceand/or any Cigna application.


Limitation ofLiability

You agree by accessing the Service that under nocircumstances or any theories of liability under international or civil, commonor statutory law including but not limited to strict liability, negligence orother tort theories or contract, patent or copyright laws, will Cigna be liablefor damages of any kind occurring from the use of the Service or anyinformation, goods or services obtained on the Service including direct,indirect, consequential, incidental, or punitive damages (even if Cigna hasbeen advised of the possibility of such damages), to the fullest extentpermitted by law. Some jurisdictions do not allow the exclusion or limitationof certain damages so some of these limitations may not apply to you.


Calculations andInvestment Decisions

Financial calculators/calculations are provided forillustrative purposes only. You are responsible for verifying the accuracy andsuitability of all assumptions and calculations. Please seek the advice oflicensed and/or competent individuals before making any investment or financialplanning decisions. Do not rely solely on financial calculators/calculations orfinancial or retirement information found on the Service.


Minors and theChildren's Online Privacy Protection Act

Except as expressly stated upon initial access to a specificCigna application or website, or section of such application or site, theService does not direct content to Minors and do not intend to collect personalinformation from Minors and therefore are not subject to the Children's OnlinePrivacy Protection Act.


If you allow your minor child, or a child for whom you arelegal guardian (a "Minor"), to access and use the Service, you agreethat you will be solely responsible for: (i) the online conduct of such Minor;(ii) monitoring such Minor's access to and use of the Service; and (iii) theconsequences of any use.


The DigitalMillennium Copyright Act

Cigna reserves the right, but not the obligation, toterminate your access to the Service if it determines in its sole and absolutediscretion that you are involved in infringing activity, including alleged actsof first-time or repeat infringement, regardless of whether the material oractivity is ultimately determined to be infringing. Cigna and its serviceproviders accommodate and do not interfere with standard technical measuresused by copyright owners to protect materials. Cigna has implemented proceduresfor receiving written notification of claimed infringements and for processingsuch claims in accordance with the Act. Our designated agent to receive notificationof claimed infringement is:


Jonathan Witte

Two Liberty Place

1601 Chestnut Street

Philadelphia, PA 19192



Any notice regarding any infringement of copyright or ofother proprietary rights must include the following information:


1. A signature of a person authorized to act on behalf of(i) the owner of an exclusive right that is allegedly infringed or (ii) theperson defamed.


2. Identification of the copyrighted work claimed to havebeen infringed, or, if multiple copyrighted works at a single online site arecovered by a single notification, a representative list of such works at thatsite.


3. Identification of the material that is claimed to beinfringing, or to be the subject of infringing activity, including informationreasonably sufficient to permit us to locate the material.


4. Information reasonably sufficient to permit us to contactyou, such as your address, telephone number, and/or electronic mail address.


5. A statement that you have a good faith belief that use ofthe material in the manner complained of is not authorized by the copyright orother proprietary right owner, its agent, or the law.


If you choose to access the Service from outside the UnitedStates you do so on your own initiative and are responsible for compliance withU.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 bedownloaded or otherwise exported or re-exported (i) into (or to a nationalresident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other countryto which the U.S. has embargoed goods, or (ii) to anyone on the U.S. TreasuryDepartment list of Specially Designated Nationals or the U.S. CommerceDepartment's Table of Deny Orders. You represent and warrant that you are notlocated in, under the control of, or a national resident of any such country oron any such list. You agree to comply with U.S. export control laws and thatyou will not transfer any software or other content from the Service to aforeign national or foreign country in violation of those laws.


Changes andApplicable Law

We reserve the right to make changes to the Service and ourLegal Disclaimer. We encourage you to review the Service and these termsperiodically for any updates or changes. Your continued access or use of theService shall be deemed your acceptance of these Legal Disclaimers and anychanges and the reasonableness of these standards for notice of changes. Use ofthe Service and purchases of products from the Service will be governed by andconstrued in accordance with the laws of the Commonwealth of Pennsylvania,without giving effect to its conflict of law provisions. You agree that anylegal action or proceeding between you and Cigna will be brought exclusively ina federal or state court of competent jurisdiction sitting in Philadelphia,Pennsylvania. If any provision of this agreement shall be unlawful, void, orfor any reason unenforceable, then that provision shall be deemed severablefrom this agreement and shall not affect the validity and enforceability of anyremaining provisions.