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Legal Disclaimer

LEGAL CONDITIONS

ACCEPTANCE OF GENERAL CONDITIONS

Use of the Cigna.es and/or cignasalud.es websites (hereafter, also the ""Sites"") is subject to the present Legal Disclaimers and General Conditions of Use. The user of Cigna.es and/or cignasalud.es (hereafter, the ""User"") accepts fully and without reservation all the Legal Disclaimers and General Conditions of Use in force at the time of Site access, and should therefore reads these carefully each time he/she accesses said Sites. Moreover, the User undertakes to use the Sites in accordance with these General Conditions of Use, the law, moral standards and the customary rules that are generally accepted.

PRODUCTS AND SERVICES OFFERED BY CIGNA CORPORATION SUBSIDIARIES

Cigna® is a service mark of Cigna Corporation that this company's subsidiaries are licensed to use. Cigna Corporation is a holding company and not an insurance company or an operating company. For this reason, Cigna products and services are both provided exclusively by the subsidiaries and not by Cigna Corporation. The name ""Cigna"" may refer both to Cigna Corporation and/or one or more of its subsidiaries, but when it is used in relation to the supply or provision of a product or service, it always refers to a subsidiary.

PRODUCT DESCRIPTIONS (NOT AVAILABLE IN ALL COUNTRIES)

The product descriptions that, where appropriate, Cigna.es and/or cignasalud.es may provide do not constitute offers to sell in relation to any product or service. Some products are not available in all countries. If you are interested in a specific product, you should contact the Cigna subsidiary indicated to find out whether the product is available in your country and request a copy of the policy in question or a prospectus containing the complete description of the product.

LINKS TO OTHER SITES

During your visit to Cigna.es and/or cignasalud.es, you may leave the Sites and enter other sites external to Cigna. Cigna does not check or monitor the content or accuracy of such sites, and is therefore not responsible for their content or accuracy. Sites external to Cigna are accessed on the User's own account and at their own risk. Moreover, the existence of links to Cigna.es and/or cignasalud.es from other websites does not necessarily imply the existence of a relationship between Cigna and the owner of the site or web page on which the link has been created, or that the content and material has been reviewed or accepted by Cigna. Other internet sites may contain unedited, sexually explicit, violent, racist or other material that may be offensive to the User. The User shall have sole responsibility for deciding whether to access other websites.

GENERAL WARNING

Cigna does not carry out any monitoring or provide any express or implied guarantees with regard to the material that includes a link to other sites and the content found on the sites accessed via links located on this Site, and Cigna is not therefore responsible for this material and content, it being up to the User to decide on his/her own responsibility whether it is suitable for use. Due to the nature of the internet, Cigna does not guarantee that access to Cigna.es and/or cignasalud.es or any of its pages will be uninterrupted or error-free. Cigna does not guarantee the usefulness or expected results of the material on Cigna.es and/or cignasalud.es.

USE OF COOKIES

The Cigna.es and cignasalud.es sites use cookies for security reasons. Cigna also uses Google Analytics to record users’ visits. This analysis tool helps us to understand the activity on our web pages and enables us to improve the user experience.

VIRUSES, USE OF FILES

Cigna does not guarantee that the files that can be downloaded from this Site are free from viruses or any other code or element with contaminating or destructive effects on Users’ information systems such as ""worms"" or ""Trojan horses"". Cigna does not offer any express or implied guarantee concerning the files that can be downloaded from this Site.

Under no circumstances does Cigna assume any responsibility either towards the User or towards third parties for decisions or actions that may be taken by the User or any other person on the basis of the results obtained from the use of files downloaded from this Site. These files may be downloaded for the User's personal use only. The printing and reproduction by any electronic means of any document or graphic, in full or in part, for any reason, except for the User’s personal use, is expressly prohibited, unless prior written authorization is obtained from the respective owner.

HEALTH INFORMATION

The health information on this Site is provided for information only, as a public access service intended to promote consumer health. This information does not constitute medical advice or claim to replace the care that should be provided by a doctor. Cigna does not assume any responsibility under any circumstances arising from the use, abuse, interpretation or application of any health information provided on this Site. The User should in all cases consult their doctor on all matters relating to examinations, treatments, investigations and recommendations relating to their health. Do not use the information on this Site as a tool for self-diagnosis.

FORECASTS

Cigna websites may from time to time contain forecasts relating to economic prospects, management plans and objectives for future operations, economic conditions, trends and resolution of uncertainties. Cigna warns the reader that the real results may be considerably different from those forecast by Cigna, depending on the results of certain factors. In some cases, Cigna discloses these uncertainties when it provides forecasts.

Some factors that may lead to Cigna's actual results differing substantially from the forecasts (""Risk Factors"") are listed in the most recent 10-K or 10-Q forms filed by Cigna with the United States Securities and Exchange Commission (""SEC""). Cigna undertakes no obligation to correct or update any published forecast on Cigna’s websites.

Cigna also warns the reader that the list of ""Risk Factors"" shown in the most recent 10-K or 10-Q forms filed by Cigna with the SEC may be modified by any documents subsequently filed with the (SEC), such as form 8-K, [proxy statements] and other documents. Cigna will not update the Risk Factors listed in any of the documents filed by Cigna with the SEC before the time limit for filing required by the SEC. The list of Risk Factors contained in any document filed by Cigna with the SEC may be incomplete and is valid only on the date on which it was filed with the SEC.

INTELLECTUAL AND INDUSTRIAL PROPERTY

Cigna.es and/or cignasalud.es may contain references to a number of trade or service marks and other intellectual or industrial property rights which, whether they are registered or not, are the property of their respective owners. Except for Cigna®, A Business of Caring®, Cigna and Tree Logo® and other trade or service marks and intellectual or industrial property rights owned by Cigna Corporation or its subsidiaries, Cigna does not accept any responsibility or provide any guarantee in respect of the ownership of the trade or service marks or other intellectual or industrial property rights to which reference is made or which pertain to this Site, nor in respect of their owners, products or services. Use of the Sites does not imply the granting of licences or authorizations for use of any kind in respect of Cigna's intellectual or industrial property rights or in respect of any other similar right, for the user or others, associated with the Sites.

LIMITATION OF RESPONSIBILITY AND COMPENSATION FOR DAMAGES

By accessing Cigna.es and/or cignasalud.es, the User exempts Cigna from responsibility, in all cases and under all circumstances, for damage and loss of any kind arising from the use of these Sites or from information, goods or services obtained on these Sites, including direct and indirect damage (even if Cigna has been advised of the possibility of the occurrence of such damage). The User shall indemnify Cigna for the damage and loss incurred as a result of the User's failure to comply with these General Conditions of Use, or the law, moral standards or any applicable customary rules.

MINORS

Cigna's websites do not direct content to minors or seek to collect personal information relating to minors. Any user who allows his/her minor child or a minor in his/her legal custody (a ""minor"") to access and use Cigna's websites agrees to accept sole responsibility for: (1) this minor's conduct while using the site, (2) supervising this minor's access to the Sites and the use he/she makes thereof and (3) the consequences arising from this use.

CHANGES AND APPLICABLE LAWS

Cigna reserves the right to makes changes to Cigna.es and/or cignasalud.es and to its Legal Disclaimers and General Conditions of Use. We recommend that you check regularly for updates and changes made to the websites and to these Conditions. The accessing and/or continued use of Cigna.es and/or cignasalud.es shall be deemed to constitute an acceptance of these Legal Disclaimers and General Conditions of Use and of any changes thereto and, in particular, these change notification rules. The use of Cigna.es and/or cignasalud.es and the purchase of products and/or services from Cigna.es and/or cignasalud.es shall be governed and interpreted in accordance with Spanish law.

LEGAL INFORMATION ABOUT THE ENTITIES:

Unless specified otherwise in the relevant section on these Sites, the products and/or services to which reference is made on this site correspond to the following entity: Cigna Life Insurance Company of Europe, S.A./ N.V., Sucursal en España, with its registered office in Pozuelo de Alarcón (28223 Madrid), Parque Empresarial La Finca, Paseo del Club Deportivo, 1 - Edificio 14 - Planta Baja servicio.cliente@cigna.com Registered in the Companies Register of Madrid, Volume 809, Folio 205, Section 8, Page M - 11184 Registered in the General Insurance Directorate under the number E0133"

NIF: N-0021205J

Cigna Life Insurance Company of Europe, S.A/N.V. Sucursal en España is a branch of Cigna Life Insurance Company of Europe, S.A./N.V. with its registered office in Belgium, Avenue Cortenbergh, 52, Brussels, entity subject to the supervision of the National Bank of Belgium. The parties submit, at their choice, for the resolution of conflicts and renouncing any other jurisdiction, to the courts and tribunals corresponding to the user's registered address.