Fair processing and consent

Cigna is committed to ensuring that your privacy is protected. This Privacy Policy describes how Cigna uses and protects any information that you may provide by using this website.

By submitting any of your information you consent to the use of that information as set out in this Policy. Continued use of the website will signify that you agree to the Privacy Policy. Cigna will ask for your consent where relevant if the data processing is envisaged for other purposes not included in this Privacy Policy.

If we change our Privacy Policy we will post the changes on this page, and may place notices on other pages of the web site, so that you may be aware of the information we collect and how we use it at all times.

Who is the Data Controller of my personal data?

This website is operated by Cigna Life Insurance Company of Europe S.A.-N.V. ("Cigna"), an insurance company registered in Belgium (under registration number 0421.437.284) with limited liability and authorised under licence number 0938. Cigna has its registered office at Plantin en Moretuslei 309, 2140 Antwerpen, Belgium. The above mentioned Cigna legal entity will act as data controller of any personal data that you may provide through this website.

For further information about Cigna or this Privacy Policy please contact us at CGHB-Europe-Privacy@cigna.com.

What information may Cigna collect about me?

We have designed our website to capture information through automatic tracking. This allows us to see which topics interest you most. Automatic tracking information is gathered by capturing if you found our site by following a link from another external site, as well as following your "footsteps" through the website. 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.

However, no personally identifiable information is captured as a result of the aforesaid tracking. We only collect personal information when you voluntarily submit it to us. You may choose not to provide us with any personal information. In that case, you can still access and use many portions of our websites.

When you leave us your contact details we need personal information in order to contact you back and attend your request. We may ask you for your name, surname, company, phone, email address and country.

We might also use cookies. For detailed information on our use of cookies and your rights and options in relation to this, please consult our Cookie Policy.

How does Cigna use the information?

We use the personal information that you provide us to fulfill your requests and respond to your inquiries about offerings, and to offer you other Cigna products or services that we believe may be of interest to you in accordance with applicable data protection laws. We also use this information to communicate with you.

In connection with the use of this website, Cigna may collect, use, disclose and process your personal data for the following purposes:

Managing and/or administering your use of and/or access to the website;

Managing, operating, administering and providing you the services offered on the website;

For contacting you on matters relating to your transactions on the website and your requested services on the website, and any enquiries and/or requests submitted by you through the website or otherwise; and

Social Media marketing (if you have consented to the same) and digital and conventional marketing purposes such as sending you direct mailers and posts about new products, special offers or other information which we think you may find interesting (if you have consented to the same).

In connection with the products or services that you require from Cigna, we may collect, use, disclose and/or process your personal data for the following purposes:

Administering and/or managing your relationship, account and/or policy with Cigna;

Storing, hosting, backing up (whether for disaster recovery or otherwise) of your personal data, whether within or outside your country;

Complying with applicable law in administering and managing your relationship with Cigna; and

Contacting you or communicating with you via phone/voice call, text message, email and/or postal mail for the purposes of administering and/or managing your relationship with Cigna.

We may transfer your personal information to other Cigna offices of Cigna Group (outside your country) for internal management and administrative purposes. In addition, your personal data will be transferred to other Cigna offices where necessary for the performance or conclusion of our contractual obligations to you or for your benefit. Transfers of personal information may also be made where necessary for the establishment, exercise, or defense of legal claims.

Cigna may share your personal information with third parties (outside companies or individuals) that may be sited in or outside of your country, for legitimate purposes including the following circumstances:

Trusted recipients. We might use trusted businesses or persons to process personal information on our behalf including social media marketing. Before sharing any personal information with third parties, we require that these parties agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures in compliance with applicable data protection laws.

Legal or security requirements. We might have a good faith belief that access, use, preservation, or disclosure is necessary to (a) comply with applicable law, regulation, or legal process; (b) enforce the applicable terms of agreements and policies on this or any other of Cigna's group's websites; (c) detect, prevent, or otherwise address fraud, security, or technical issues; or (d) protect against imminent harm to the rights, property, or security of Cigna, its users, or the public as required or permitted by law.

How does Cigna protect the security and integrity of the information?

Cigna takes appropriate physical, electronic, and organizational measures to safeguard and protect your personal information. We use a variety of security measures, including encryption and authentication where required, to maintain the confidentiality of your personal information. We store your personal information on systems behind firewalls that are only accessible to a limited number of persons, each of whom is required to keep the information confidential. We also take appropriate measures to secure the transmission of sensitive personal information from your computer to Cigna's computers.

Cigna employees, agents, and contractors who have access to personal information are required to protect this information in a manner that is consistent with this Privacy Policy and may not use the information for any purpose other than to carry out the services they are performing for Cigna.

Data Retention

Determining the period of time for which information must be retained is important to Cigna in order to ensure that the information is not kept beyond its useful life unnecessarily but at the same time complying with any relevant legal requirements. Cigna ensures that the proper procedures are in place to manage information retention and to remove and/or archive the appropriate information when necessary. Personal data will not be processed once it is not necessary. The data will be safely retained during statutory periods to comply with legal obligations. After the retention periods have been reached (which will not exceed 10 years) personal data will be deleted in a secure and confidential manner.

Data Protection Rights

Cigna only collects personal information that is relevant to the purposes for which it will be used. Though we do take appropriate steps to review and update the information that we store to ensure that it is accurate, complete, and current, we also depend on you to update or correct your personal information when necessary.

You have the right of access to and the right to rectify your personal data, as well as the right of erasure of your data or the right of restriction of or objection to processing and data portability.

You may exercise these rights by contacting Cigna in the following address:

Cigna Life Insurance Company of Europe S.A.-N.V.

Data Protection Officer / Cigna

Email: CGHB-EU-Privacy@Cigna.com

Address: Plantin en Moretuslei 309, 2140 Antwerpen, Belgium.

If you feel that your rights are being contravened then you may seek recourse with the Data Protection Authorities. You are entitled to lodge a complaint on data protection issues through the local data protection regulator or supervisory authority. The Belgian data protection authority is the Commission for the Protection of Privacy ('CPP') (http://www.privacycommission.be/en) with address at Drukperssstraat 35, 1000 Brussels (Belgium).