Terms and Conditions for Internet Services

1. Application and Service

1.1 These Terms and Conditions shall, unless otherwise determined by Cigna, apply to all services provided by Cigna to you via Internet from time to time ("Services").

1.2 Cigna shall be entitled from time to time to impose any limit whether in transaction amount, operating procedures or otherwise on the use of any Services and such limit shall be determined by Cigna at its discretion.

2. Registration

2.1 You warrant that all information provided by you to Cigna is provided voluntarily and that such information is true, correct and complete in all respects. You have to inform us forthwith if there is any change of your information.

3. Instruction

3.1 Cigna will rely upon and act in accordance with instructions given to us through Internet in connection with any Services offered to you if the person giving the instruction can quote your Username and Password.

3.2 Cigna shall not be under any duty to verify the identity of the person sending instructions on your behalf. Any translation or Services effected pursuant to such instructions referred to in paragraph 3.1 above shall be binding upon you whether the instructions were made with or without your authority, knowledge or consent.

3.3 Cigna may refuse to accept any instruction upon such grounds as we deem fit.

3.4 Any transaction effected pursuant to an instruction given to Cigna may be considered concluded only if Cigna has confirmed the same to you.

3.5 You undertake to: (a) keep your PIN, Username and Password secret and safe; and (b) inform Cigna as soon as reasonably practicable if you know or suspect that, any unauthorized person knows your PIN, Username or Password.

3.6 You shall hold Cigna harmless and indemnify Cigna against all actions, proceedings, demands, claims, liabilities, damages, losses, costs and expenses howsoever arising, directly or indirectly, out of the Services or transactions effected in accordance with any instruction referred to in paragraph 3.1 above. This indemnity shall continue notwithstanding any maturity or expiry or termination of your policy(ies).

4. Warranties

4.1 You warrant to Cigna that:

(a) You shall not gain access to any Services in any country or jurisdiction where the offering of the same by Cigna is not lawful or where these Terms and Conditions may not be enforceable by us against you. 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.

(b) You shall not, and shall not attempt to, reverse engineer, decompose, disassemble or otherwise tamper with any software relating to any Services.

(c) You shall ensure that the browser cache memory shall be cleared as soon as you logout each time after having gained access to any Services through use of computer and you shall exit the browser immediately after each use of any Services through use of computer.

5. Disclaimers

5.1 Owing to unpredictable traffic congestion, openness and public nature of the Internet and other reasons, the Internet may not be a reliable medium of communication and that such unreliability is beyond the control of Cigna. This may subject transactions to delays in transmission, incorrect data transmission, delays in execution, misunderstanding and errors in any communication between Cigna and you, transmission blackouts, interruptions and so on.

5.2 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 shall assume no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video or audio from this website.

5.3 This website may be linked to other websites which are not maintained by Cigna. Cigna shall not be responsible for the contents of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Cigna of the website or the contents thereof.

5.4 You agree by accessing this website 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 website or any information or services obtained on this website 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.

6. Your Personal Information

6.1 You agree that Cigna may use and/or disclose your personal information in accordance with :

(a) Privacy Statement of Cigna (as may be amended from time to time) which is posted on MyCigna.com.hk; and

(b) Cigna's Personal Information Collection Statement issued from time to time.

7. Information on this Website

7.1 Any transaction effected by you through use of any Services shall be made solely upon exercise of your own judgment and at your own discretion notwithstanding any information, suggestion or documents Cigna may have provided to you.

7.2 Any information, suggestion or recommendation communicated to you by Cigna is based on information obtained from sources believed by Cigna to be reliable, are for your own use and consideration only and will not constitute an offer to sell any investment to you.

7.3 Cigna shall not be liable for any inaccuracy or incompleteness of any information provided by Cigna or the performance or outcome of any transactions effected by you after receipt of such information.

7.4 Any price of funds or other similar information quoted to you is for your reference only and shall not be binding on Cigna unless confirmed by Cigna for a transaction.

8. Trademarks and Copyright

8.1 There are references throughout this website to various trademarks or service marks and these, whether registered or not, are the property of their respective owners. Images displayed on this website are the property of their respective owners.

8.2 Nothing contained on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark or images displayed on this website without the written permission of the owners.

8.3 No materials or contents (including the text, images, audio and video) from this website may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without our permission.

9. Amendments

9.1 Cigna may at any time delete, replace, add or change any term of these Terms and Conditions. You are advised to read these Terms and Conditions from time to time before utilizing any Services through Internet. You are deemed to have accepted and agreed to be bound by these Terms and Conditions and its revisions (if any) upon your utilizing any Services on this website.

9.2 Cigna may at any time introduce any new Services or delete any existing Services without prior notice.

10. Governing Law and Prevailing Language

10.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region.

10.2 The English version of these Terms and Conditions shall prevail, if there is any inconsistency between the English and the Chinese versions.

Privacy Statement

PLEASE READ CAREFULLY.

We know that when you visit us at MyCigna.com.hk, you depend on us to be as diligent about protecting your privacy on-line as we've always been in our more traditional interactions with you. We also know that you rely on us to provide products and services that meet each of your unique needs. To do both, we need to gather and protect certain information about you.

What kind of information does MyCigna.com.hk collect?

We've designed our Web site to capture two types of information: automatic tracking and individualized. The first allows us to see which topics interest you most; the second helps us service your accounts.

Automatic tracking information is gathered by following your "footsteps" through MyCigna.com.hk. The route you and other visitors choose tells us a little something about the people who visit our site. We use aggregate numbers to compile statistics, monitor trends and track site usage. We also use the information to make sure our technology is compatible with yours. We're then better able to offer products and services that match your needs.

Individualized information can be anything you've provided to MyCigna.com.hk that identifies you or your accounts. For example: Your name, identity card number, birth date, address and names of your dependents are types of individualized information. We use this information to service your accounts. It's our policy to send and receive individualized information through encrypted channels only.

To use our secure services, "cookies" must be enabled. Cookies are small pieces of software that remain activated during your session in a secure area, then are deactivated when you log off.

What do you do with the information you collect about me?

We will not sell, rent or license your individualized information furnished by you to MyCigna.com.hk unless you authorize it. But we may need to use and/or transfer it within the Cigna family or to affiliate companies or with a third party vendor, within or outside Hong Kong, to perform administrative, technical, hosting, marketing or other functions that help us manage the site while providing service to you. Our third party vendors subscribe to the same privacy practices as MyCigna.com.hk.

Except as noted above, we will not release individualized information to any other party unless required to do so by government authorities or legal process or as otherwise permitted by law.

We will retain individualized information for a period necessary to attain the specified purposes.

What if I need to correct or remove information about me?

You can contact our Privacy Data Protection Officer (Address: 16/F, 348 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong) by mail. Please do not e-mail individualized information unless you do so through a secure channel. We have a policy that prohibits us from communicating individualized information through non-secure e-mail.

What if I don't want you to collect, use and distribute my information?

If you don't want MyCigna.com.hk to collect, use and distribute information about you, there are always traditional means of communication available to you. Simply pick up the phone or send your questions, comments and specific information by regular mail.

About e-mail

From time to time we may send informational, educational or promotional materials to you at the e-mail address you've provided.

Please remember that e-mail messages can be viewed by other Internet users while in transit. If you have individualized information to communicate, please contact your local customer service representative or e-mail us a request for your customer service representative to contact you.

How secure is MyCigna.com.hk?

Your individualized information at MyCigna.com.hk is protected from unauthorized access by a secure firewall and security infrastructure. When information is received, we employ extensive physical, electronic and procedural safeguards to maintain the security of your information. MyCigna.com.hk also conducts periodic reviews of its Web security to ensure that our electronic security safeguards remain up-to-date and effective.

What about the links on your site? Are they secure?

Because we don't own or control all the sites linked from MyCigna.com.hk, we can't guarantee they're secure; therefore, we can not assume responsibility for all their privacy practices. If you enroll with a company that is not affiliated with MyCigna.com.hk or any Cigna company, we urge you to review the privacy policies of any of the Web sites you visit once you leave MyCigna.com.hk.

I'm not a Hong Kong customer. How do I fit into your privacy policies?

Your continued use of MyCigna.com.hk from places or countries other than Hong Kong means that you are giving your consent to have your individualized information processed outside those places or countries in accordance with the protection described in this Privacy Statement.

I've switched my coverage to another company. What will you do with my information?

We will continue to treat your individualized information with the same confidentiality and respect we extend to all our valuable customers.

Why is this Privacy Statement important to me?

Your visit to MyCigna.com.hk and any dispute over privacy is subject to this Statement, Personal Information Collection Statement of Cigna Hong Kong and our Legal Disclaimers/Conditions of Use including limitations of damages and the application of the laws of Hong Kong and exclusive jurisdiction of the courts of Hong Kong.

This statement is applicable only to information collected from you during your visit to MyCigna.com.hk. We will display a prominent notice on the MyCigna.com.hk home page whenever this Privacy Statement is updated or changed and you should check our Privacy Statement periodically. By choosing to continue usage of MyCigna.com.hk, you agree to the terms of the Privacy Statement.

If you have any questions of comments concerning this Statement, please contact us by postal mail at:

16/F, 348 Kwun Tong Road,
Kwun Tong, Kowloon,
Hong Kong



Last Updated: 31 Oct 2008