1.1 "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 company 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.
1.2 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").
1.3 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.
2.1 Cigna may issue an identification number ("PIN") to you. To apply for the Services, you have to register at our website by (i) quoting the PIN, (ii) producing such other information as may be requested by Cigna.
2.2 After successful registration, you should set up your own Username ("Username") and Password ("Password") in such form as prescribed by Cigna.
2.3 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.
3.1 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).
4.1 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.
5.1 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 The information contained in this website may be translated to other languages. Cigna translates this content using a third party service, and as such it may contain discrepancies or differences. Cigna is not liable for any damages arising from the translations, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages.
5.5 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.
6.1 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 Cigna.com.hk; and
(b) Cigna's Personal Information Collection Statement as may be amended from time to time.
6.2 The statements referred to in Clause 6.1 (a) and (b) may be amended from time to time. You are advised to access by clicking the hyperlinks provided and read the full text of the said statements from time to time before utilizing any Services.
6.3 This website may be linked to sources containing personal information of individuals in connection with the insurance policy to which the access can be effectuated by the person(s) in connection with the insurance policy by quoting the Username and Password.
6.4 You agree that you have obtained all necessary consents from the person(s) insured and, if you are the person insured, the consent or authorisation from your dependent(s) to supply to Cigna the information including but not limited to the personal information in relation to the respective person(s) insured under the insurance policy and/or the dependents and to access such information by you.
6.5 You agree that you shall indemnify Cigna for any loss or expenses incurred by Cigna by reason of any misstatement with respect to Clause 6.4.
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 product or service 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 information quoted to you is for your reference only and shall not be binding on Cigna unless confirmed by Cigna for a transaction.
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.
9.1 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.
10.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region, 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 court of competent jurisdiction sitting in Hong Kong.
10.2 The English version of these Terms and Conditions shall prevail, if there is any inconsistency between the English and the Chinese versions.