Legal Disclaimer|Senior Insurance|Critical Illness|Life|Cigna Worldwide Insurance

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LEGAL DISCLAIMER

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. In Hong Kong, products and services referred to on Cigna.com.hk are provided exclusively by Cigna Worldwide Life Insurance Company and/or Cigna Worldwide General Insurance Company ("Cigna Hong Kong"). Cigna Hong Kong is authorized to carry on insurance business in Hong Kong. The materials and information on Cigna.com.hk are provided to you by Cigna in accordance with these Legal Disclaimers/Conditions of Use.

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Availability
The products and services available on Cigna.com.hk are made available in Hong Kong only and are not made available to any person in any other place. Although it is possible to access Cigna.com.hk overseas, Cigna makes no representation that the products and services available through Cigna.com.hk complies with the laws of any country outside Hong Kong. If you access this site from outside Hong Kong, you do so on your own responsibility and are responsible for ensuring compliance with all laws in the place where you are located.

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Product Descriptions
The product descriptions, if any, provided on Cigna.com.hk are not intended to constitute offers to sell or solicitations in connection with any products or services. Some products may not be available in jurisdictions other than Hong Kong. Anyone interested in a particular product should contact Cigna Hong Kong 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.hk, you may leave Cigna.com.hk 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". Cigna does not exclude or limit the application of any provision of any statute legislation (including the Control of Exemption Clauses Ordinance and the Supply of Services (Implied Terms) Ordinance) where to do so would contravene that statute or cause any part of this provision to be void. Cigna excludes all conditions, warranties and terms implied by legislation, general law or custom, except any implied condition or warranty the exclusion of which would contravene any legislation or cause this provision to be void. Due to the nature of the Internet, Cigna does not warrant that access to Cigna.com.hk 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.hk.

To the fullest extent permitted by law, Cigna excludes:

(a) all liability to you in contract, tort or otherwise for consequential or indirect damages arising out of or in connection with Cigna.com.hk even if:

(i) Cigna knew they were possible; or

(ii) they were otherwise foreseeable,

including without limitation, lost profits and damage suffered as a result of claims by any third person; and

(b) all liability to you in negligence for acts or omissions of Cigna, its employees, agents and contractors arising out of or in connection with Cigna.com.hk.

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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, non-infringement 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 Web 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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Trademarks
There are references throughout Cigna.com.hk 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.hk 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.hk.

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.hk which may be examined, recorded, copied, and used in accordance with our Privacy Statement. Use of Cigna.com.hk constitutes consent to such activity by Cigna.

When using Cigna.com.hk, 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.hk that to the fullest extent permitted by law, 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.hk.

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Personal Data
You agree that, to the extent permitted by law, any and all personal data relating to you collected by Cigna from time to time may be used and disclosed in accordance with the (a) Privacy Statement of Cigna (as may be amended from time to time) which is posted on Cigna.com.hk and (b) the Personal Information Collection Statement of Cigna Hong Kong.

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English Version
The English text in our Legal Disclaimers/Conditions of Use shall prevail in the event of any inconsistency or conflict between the English version and any translations (if any) thereof.

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Changes and Applicable Law
We reserve the right to make changes to Cigna.com.hk and our Legal Disclaimers/Conditions of Use. We encourage you to review the Web site and these Legal Disclaimers/Conditions of Use periodically for any updates or changes. Your continued access or use of Cigna.com.hk 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.hk will be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region of the People's Public of China ("Hong Kong"), without giving effect to its conflict of law provisions. You agree that any legal action or proceeding between you and Cigna.com.hk will be brought exclusively in the courts of Hong Kong. If any provision of this Legal Disclaimers/Conditions of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Legal Disclaimers/Conditions of Use and shall not affect the validity and enforceability of any remaining provisions.

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Last Updated: 31 Oct 2008