Cookies and Similar Technologies Policy

This Cookies and Similar Technologies Policy explains how CIGNA EUROPE INSURANCE COMPANY S.A. – N.V. – SINGAPORE BRANCH (“Cigna Healthcare Singapore”) and its affiliates (“Cigna”, "we" or "us") make use of cookies and similar technologies (e.g., web beacons, HTML5 local storage, JavaScript) on this website or app. For further information on our use of cookies and similar technologies, or how we manage personal data collected through them in accordance with the Singapore Personal Data Protection Act 2012 (“PDPA”), please contact us at CignaGlobalPrivacyOffice@Cigna.com.

What is a cookie?

A "cookie" is a small piece of data stored on your device when you visit a website or app. Cookies may serve different purposes, including enabling essential website functionality, improving user experience, understanding how our website or app is used, and supporting analytics or other services where appropriate.

To the extent any personal information is collected through cookies or similar technologies, our Privacy Policy applies and complements this Policy.

What types of cookies exist?

Cookies are categorized:

1. According to the entity that controls the device or domain through which the cookies are sent:

• First-party cookies: those sent to the user's computer, terminal or device from a computer, device or domain controlled by the editor (us) and from which the services are provided.

• Third-party cookies: those sent to the user's computer, terminal or device from a computer, device or domain that is not managed by the editor (us), but by a third party.

2. According to the lifespan of the cookie:

• Session cookies: those designed to collect and store information while the user visits and uses a website or app, and which are deleted once the session ends.

• Persistent cookies: those in which the information is still stored and may be accessed and processed for a period defined by the person responsible for the cookie, which can vary from a few minutes to several years, subject to retention and purpose limitation considerations.

3. According to the purpose of the cookie:

• Essential Cookies: Essential cookies enable you to navigate the website or app, and to use its services and features. Without these necessary cookies, the website or app will not perform as smoothly for you as we would like it to, and we may not be able to provide the website or app, or certain of its services or features.

• Customization/preference cookies: Preference cookies collect information about your choices and preferences, and allow us to remember language or other local settings and customize the website or app accordingly, in order to improve usability and user experience.

• Advertising cookies: Advertising cookies are set to display targeted promotions or advertisements based upon your interests on the website or app, or to manage our advertising. These cookies collect information about your activities on the website, app and other sites to provide you with targeted advertising.

• Social Media Cookies: Social media cookies collect information about social media usage, and may enable interaction with social media platforms or sharing of content, subject to the respective platforms´ privacy practices.

• Analytics cookies: Analytics cookies collect information about your use of the website or app, and enable us to improve the way it works. For example, analytics cookies show us which are the most frequently visited pages on the website, help us record any difficulties you have with the website or app, and help us assess the effectiveness of our services. This allows us to see the overall patterns of usage on the website or app, rather than the usage of a single person. We use this information to analyze website traffic and performance, generally at an aggregated level, and not to directly identify individuals.

Google Analytics. We use Google Analytics, which uses cookies and similar technologies to collect and analyze information about use of the services and report on activities and trends. This service may also collect information regarding the use of other websites, apps and online resources. You can learn about Google’s practices by going to www.google.com/policies/privacy/partners/ and exercise the opt-out provided by Google by downloading the Google Analytics opt-out browser add-on, available at https:/tools.google.com/dlpage/gaoptout.

How can you control the use of cookies (revocation and removal of cookies)?

You can reject or accept cookies at any time through the settings on your browser. Please note that if you disable certain cookies on your device you may not be able to access certain sections of our website or app, or some features may not operate as intended. An alternative may be to browse using your browser's anonymous usage setting (called "Incognito" in Chrome, "InPrivate" in Internet Explorer, "Private Browsing" in Firefox and Safari). When using these settings, certain cookies may still be used where technically necessary for the website or app to function during the session. Once you end your session (for example, by closing the browser), session cookies will generally be deleted.

Alternatively, the 'Help' menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether. Please note that cookies support essential website functions and overall usability, and disabling them may affect your experience. For additional information on how to manage your cookie setting in main browsers, you may access the following links:

• Internet Explorer: https:/support.microsoft.com/en-us/help/17442/windows-internet-explorer-delete-manage-cookies.

• Firefox: https:/support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences.

• Chrome: https:/support.google.com/chrome/answer/95647?hl=en-GB.

• Safari: https:/support.apple.com/en-gb/guide/safari/sfri11471/mac.

The above mentioned links are not edited, controlled, maintained or supervised by us. Thus, we are not responsible for the content of said websites.

Most mobile devices provide you control over tracking for advertising purposes via the “Limit Ad Tracking” setting (more specific information for iOS devices here) or the “Opt out of Interest-Based Ads” setting (more specific information for Android devices here).

The availability and naming of these settings may vary depending on the device and operating system used.

A guide to behavioral advertising and online privacy has been produced by the Internet advertising industry which can be found at www.youronlinechoices.eu. The guide contains an explanation of the IAB's self-regulatory scheme to allow you greater control of the advertising you see.

Additionally, you may visit aboutcookies.org or allaboutcookies.org (which is run by the Internet Advertising Bureau Europe) for further information about cookies, including the cookies installed in your device and how to configure and remove them.

For general information about cookies and managing them through your browser or device settings, you may also consult publicly available online resources. Please note that external websites are not controlled by us and their content is subject to change.

What other similar technologies do we use?

We may also use the following types of technologies that are similar to cookies:

Pixel tags. Pixel tags (also known as web beacons and clear GIFs) are used to, among other things, track the actions of users of the website, measure the success of our marketing campaigns, and compile statistics about usage of the website and response rates.

These technologies are primarily used in an aggregated manner to understand website performance and the effectiveness of communications, and not to directly identify individuals.

Browser or Device Information. Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Mac), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version, and the name and version of the website you are using. We use this information to ensure that the website or app functions properly, to maintain security, and to support troubleshooting and performance optimization.

Physical Location. We may collect limited location information (such as an approximate location derived from IP address) where necessary for security, fraud prevention, regulatory compliance, or to provide location‑relevant content or services. We do not use precise location data for advertising or behavioral profiling purposes. Where location information is used, it is handled in accordance with the PDPA and based on the nature of the service requested and users’ reasonable expectations. Depending on your device settings, you may be able to control the collection of location information. Please note that disabling location features may affect the availability of certain functionality.

Device Fingerprinting. For security, fraud prevention, system integrity and authentication purposes, we may use other technologies that are similar to cookies For example, we may analyze certain technical device attributes to recognise potential security risks or abnormal activity patterns, without using such technologies for advertising-based profiling. In this context we may collect, use, and combine the following information:

• Number of visits
• Last visit
• First visit
• External IP address
• Internal IP address
• Screen resolution
• Approximate geolocation (based on IP address, not precise coordinates)
• Device performance benchmark
• Device bandwidth benchmark
• Device user-agent (browser type, version)
• Device capabilities (Modernizer string for browser capabilities)
• Device operating system
• Device plugins installed
• Browser language
• Device time on file
• Keywords used if coming from search engine
• Pages visited
• Length of visit
• Referral page

We do not use these technologies to collect sensitive personal data or to carry out intrusive behavioral profiling. Any personal data processed through these technologies is handled in accordance with the PDPA and our Privacy Policy.