Cigna Terms of Use

Thank you for visiting Cigna Funding LLC! Your use of this website www.cignafunding.com and any pages thereof ("Site") is controlled by these Terms of Use. By entering this Site and through your use of this Site, you agree to these Terms of Use whether or not you are a registered user of our products and services (each a "Service" and collectively our "Services"). IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOU MAY NOT USE THE SITE.

1. OWNERSHIP      OF SITE. Cigna Funding LLC, a Florida limited liability company      ("Cigna Funding," "Cigna Funding LLC," "we,"      "us," "Company," or "our") owns and operates      this Site. You acknowledge and agree that all content, web pages, source      code, calculations, products, materials, data, information, text, screen,      functionality, services, design, layout, screen interfaces, "look and      feel," and the operation of this website (collectively, "Site      Content") are protected by various intellectual property laws,      including, but not limited to, copyrights, patents, trade secrets,      trademarks, and service marks, and you do not acquire any rights by      downloading or viewing any Site Content. You agree that Cigna Funding LLC      and all logos related to our products and Services are our or our      licensors' trademarks or registered trademarks. You may not copy, imitate      or use them without our prior written consent. In addition, all page      headers, custom graphics, button icons, and scripts are our service marks,      trademarks and/or trade dress. You may not copy, imitate, or use them      without our prior written consent.
2. ELIGIBILITY. The      Site is intended solely for users who are 18 years of age or older, and      any registration or use of the Site by anyone under 18 is unauthorized and      in violation of these Terms of Use. By using the Site, you represent you      are 18 or older and that you agree to and will abide by all the terms and      conditions of these Terms of Use. If you violate any of these Terms of      Use, or violate any other agreement with us, we may terminate your      registration and/or prohibit you from using or accessing our Services or      the Site.
3. COMMUNICATIONS. By      accepting these Terms of Use, you expressly consent to having Cigna      Funding LLC, its affiliates, agents, or representatives, as      applicable, contact you about your inquiry by text message, SMS, email, or      phone (including use of an automatic telephone dialing system or an      artificial or pre-recorded voice) to the residential or cellular telephone      number you have provided, even if the telephone number is on a corporate,      state, or national Do Not Call Registry. You do not have to agree to      receive such calls or messages as a condition of getting any services from      Cigna Funding LLC or its affiliates. You acknowledge that you provided us      with your cellular number, and you provided your cellular number during a      transaction that if consummated will result in you owing a debt to Cigna      Funding LLC or to our partner / affiliates, as applicable. You also give us      consent by contacting you through the email address you have provided us.      The phone number provided must be a phone number registered to you or      which you have authorization to use and not a phone number of any third      party such as a debt relief agency or other. If you want to opt out of      receiving marketing information by email, telephone, text message, and/or      mail, please email support@CignaFunding.com with      the subject "Opt Out" or call (844) 224-4621. If you have      established an account with us for an unsecured personal loan, you can      also change your communication preference through editing your preferences      in “My Communication Preferences” under your “My Profile” once you sign      into your account with Cigna Funding LLC. In the event you consummate a      loan you agree that you will provide a phone number and address that is      associated with you and not a third party.
   
    
4. PRIVACY.  You      acknowledge that Cigna Funding LLC will process your personal information      as described in our Privacy Policy. 
5. LOAN      REQUESTS. You may be presented with the opportunity to apply for      a loan through the Site. When you apply for a loan, you agree to provide      current, complete, and accurate information about yourself. You agree that      you will not, in connection with any Services, misrepresent your identity,      or describe, present, or portray yourself as a person other than yourself.      If any information you provide is untrue, inaccurate, not current, or      incomplete, we have the right to reject any application you have      submitted, terminate any agreement we have with you, and restrict your      future use of the Site and our Services. You confirm you are residing in      the United States of America at the time of your application. We reserve      the right to decline any application for a loan. You agree that if you      request a loan through our Site you will not be requesting a loan for any      illegal or illicit purpose. You acknowledge and agree that your loan      request may not be funded. You agree that we will initially do a soft      credit pull and that any offer of credit to you may be contingent upon a      hard credit pull which we will complete prior to you signing the Loan      Agreement to ensure your credit has not changed. You acknowledge and agree      that the terms of any offer of credit to you will change from day-to-day      and to some extent hour-by-hour and if you leave the Site or your loan      application process, any rate and term information you were quoted on the      Site may change. Completed loan applications expire after 30 days unless      otherwise agreed upon in writing.
6. SIGN  IN AND PASSWORDS. If you apply for a loan through the Site, you      will be required to create an account and password. You agree that you      will protect and maintain the confidentiality of any user identification,      password, or other identifying information you obtain through your use of      the Site and will not disclose this information to any third party. You      agree that you will immediately contact Cigna Funding LLC if you believe      your user identification, password, or identifying information has been      compromised, lost, or stolen. Note that Cigna Funding LLC will never      contact you through an unsolicited email or phone call requesting your      username or password. You also acknowledge and agree that you are solely      responsible for all damages or claims that may arise from any access to or      use of this Site by any person to whom you provided your user      identification, password, or other identifying information, or by any      person who has obtained such information from you, including, but not      limited to, any access to or use of this Site that may occur before you      have notified us that your user identification, password, or other      identifying information has been lost, stolen, or otherwise compromised      and we have had a reasonable time to act.
7. AUTOPAY      DISCOUNT. Depending upon the time of your application, you may      have been eligible to select a discounted rate if you chose autopay for      your monthly payments. The autopay rate is a discount on the regular rate.      If you do not select autopay and later elect to make payments by autopay      you will not be eligible for a rate discount.
8. PERMITTED      USE. You agree that:
   • your       use of this Site is subject to and governed by these Terms of Use.
   • you       will only access or use this Site and transact business with us if you       are at least 18 years old.
   • you       will comply with and be bound by these Terms of Use as they appear on       this Site each time you access and use this Site.
   • each       use of this Site by you indicates and confirms your assent to an       agreement to be bound by these Terms of Use.
   • these       Terms of Use are a legally binding agreement between you and Cigna       Funding LLC that will be enforceable against you; and
     
      

by accessing and using this Site, you are also using Google Maps API and you assent to and agree to be bound by Google's Terms of Service. Cigna Funding LLC does not accept any responsibility for the content of Google's Terms of Service. You agree that you will not use or attempt to use this Site for any purpose other than personal consumer lending for your individual purposes with Cigna Funding LLC as a bona fide client of Cigna Funding LLC; you may not use or attempt to use this Site or any part of this Site for any purpose:
 

• that       interferes with or induces a breach of the contractual relationship       between Cigna Funding LLC and its employees.
• that       is in any way unlawful or prohibited, or that is harmful or destructive       to anyone or their property.
• that       transmits any advertisements, solicitations, schemes, spam, flooding, or       other unsolicited email, unsolicited commercial communications.
• that       transmits any harmful or disabling computer codes or viruses.
• that       harvests email addresses from this Site.
• that       transmits unsolicited email to this Site or to anyone whose email address       included the domain name under this Site.
• that       interferes with our network services.
• that       attempts to gain unauthorized access to our network services.
• that       suggests an express or implied affiliation with Cigna Funding LLC or its       affiliates (without the express written permission of Cigna Funding LLC).
• that       impairs or limits our ability to operate this Site or any other person's       ability to access and use this Site.
• that       uses any method, means, or devices to click on to this Site or cause a       visit to this Site for the purpose of manipulating the results of any       Internet search engine, or for any other purpose other than conducting       consumer lending related business with Cigna Funding LLC.
• that       unlawfully impersonates or otherwise misrepresents your affiliation with       any person or entity.
• that       harms minors in any way, including, but not limited to, transmitting or       uploading content that violates child pornography laws, child sexual       exploitation laws, and laws prohibiting the depiction of minors engage in       sexual conduct.
• that       transmits or uploads pornographic, violent, obscene, sexually explicit,       discriminatory, hateful, threatening, abusive, defamatory, offensive,       harassing, or otherwise objectionable content or images.
• that       harms, threatens, harasses, abuses, or intimidates another person in any       way or involves images or content that depicts, promotes, encourages,       indicates, advocates, or tends to incite the commission of a crime or       other unlawful activities.
• that       transmits or uploads any content or images that infringes any       third-party's intellectual property rights or infringes any third party’s       right of privacy; or
• that       unlawfully transmits or uploads any confidential, proprietary, or trade       secret information.

1. RESTRICTIONS      ON USE. You agree to abide by all applicable laws and regulations      in your use of the Site and our Services. In addition, you agree that you      will not do any of the following:
   • apply       for more than one loan (if you have a loan) or apply for a loan on behalf       of an individual other than yourself or on behalf of any group or entity.
   • apply       for a loan if you do not reside in the United States of America.
   • post       or otherwise make available content, or take any action on the Site, that       may constitute libel or slander or that infringes or violates someone       else's rights or is protected by any copyright or trademark or otherwise       violates the law.
   • post       or otherwise make available content that in our judgment is       objectionable, such as content that is harmful, threatening,       inflammatory, obscene, fraudulent, invasive of privacy or publicity       rights, hateful or otherwise objectionable; that restricts or inhibits       any other person from using or enjoying the Site; or that may expose us       or our users to any harm or liability of any type.
   • post       or otherwise make available any unsolicited or unauthorized advertising,       solicitations or promotional materials, or any other form of solicitation.
   • use       the information or content on our Site to send unwanted messages to any       other user.
   • impersonate       any person or entity, or falsely state or otherwise misrepresent       yourself, your age or your affiliation with any person or entity.
   • post       or otherwise make publicly available on the Site any personal or       financial information of any third party.
   • solicit       personal information from anyone under 18 or solicit passwords or       personally identifying information for commercial or unlawful purposes.
   • use       the Site or our Services in any manner that could damage, disable,       overburden, or impair the Site.
   • harvest       or collect email addresses or other contact information of our users from       the Site by electronic or other means, including via the use automated       scripts.
   • post       or otherwise make available any material that contains software viruses,       or any other computer code, files or programs designed to interrupt,       destroy, or limit the functionality of any computer software or hardware       or telecommunications equipment.

1. COPYRIGHT      COMPLAINTS. If you believe that any material on the Site      infringes upon any copyright that you own or control, you may send a      written notification to us via email at support@CignaFunding.com, or      via regular mail at Cigna Funding LLC, Attn: Legal Team, 2301 Laguna      Circle, North Miami, FL, 33181. In your notification, please:
   
    
   • confirm       you are the owner, or authorized to act on behalf of the owner, of the       copyrighted work that has been infringed.
   • identify       the copyrighted work you claim has been infringed.
   • identify       the material that you claim is infringing or is the subject of infringing       activity and that is to be removed (please include reasonably sufficient       information to permit us to locate the material).
   • provide       your contact details, including an email address.
   • provide       a statement that the information you have provided is accurate and that       you have a good-faith belief that use of the material in the manner       complained of is not authorized by the copyright owner, its agent or the       law.

1. INDEMNIFICATION. You      agree to defend and hold harmless Cigna Funding LLC, their affiliates, and      their officers, directors, employees, and third-party suppliers from and      against any and all third party actions, suits, claims and/or demands and      any associated losses, expenses, damages, costs, and other liabilities      (including reasonable attorneys’ fees), arising out of or relating to your      submitted content, use or misuse of any aspect of the Services or the      Site, or your violation of these Terms of Use. You will cooperate as fully      as reasonably required in the defense of any such claim or demand. We and      any third-party involved in creating, producing, or delivering the Site      and/or the Services reserve the right to assume the exclusive defense and      control of any matter otherwise subject to indemnification by you, at your      expense, and you will not in any event settle any such matter without our      prior written consent and that of any such third-party.
2. SEVERABILITY. You      agree that any provision of these Terms of Use shall be found to be      unlawful or void, or for any reason unenforceable, then that provision      shall be deemed severable from the other provisions of these Terms of Use      and shall not affect the validity and enforceability of such other      provisions.
3. YOUR      COOPERATION NEEDED. Cigna Funding LLC generally begins processing      your application upon your submission of a full and complete application.      If you submit an application, you agree to cooperate in the application      process (including submitting all required documentation in a timely      manner) and you agree that Cigna Funding LLC may verify the information      contained in your application and in other documents requested in      connection with your application and/or loan, if consummated. You agree,      if needed, to obtain information Cigna Funding LLC may need from third      parties such as your bank or employer, etc. You authorize third parties,      such as your bank or your employer, to provide Cigna Funding LLC with the      information which we request. This information including but is not      limited to employment history and income documentation; bank, money      market, and similar account documentation including balances; credit      history; tax documentation; mortgage details; lease details; insurance      details; or any other relevant information. In addition, you agree to      notify Cigna Funding LLC of any changes in any information submitted in      connection with your application.
4. NOTIFICATIONS. Cigna      Funding LLC may provide you with notices via SMS, email, and regular mail      at the most recent address you have provided, or through posting      information on this Site, as allowed under the law.
5. NO      WARRANTY; ERRORS; DISCLAIMERS. ALTHOUGH WE WILL USE REASONABLE      EFFORTS TO PROVIDE AN ACCURATE SITE AND SERVICES, THE SITE AND OUR      SERVICES ARE PROVIDED "AS IS" AND WITHOUT ANY REPRESENTATION OR      WARRANTY, WHETHER EXPRESS OR IMPLIED. WE AND OUR AFFILIATES, OFFICERS,      DIRECTORS, EMPLOYEES, AND THIRD PARTY SUPPLIERS DISCLAIM ANY AND ALL      REPRESENTATIONS, WARRANTIES, OR GUARANTEES OF ANY KIND, WHETHER EXPRESS,      IMPLIED, OR STATUTORY, RELATING TO THE SITE, THE SERVICES, ANY      DOCUMENTATION PROVIDED OR MADE AVAILABLE TO YOU AND ANY OTHER PRODUCTS AND      RELATED MATERIALS AND/OR SERVICES PROVIDED TO YOU BY ANY OF THE CIGNA      FUNDING LLC PARTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES: (I) AS      TO TITLE, MERCHANTABILITY, FITNESS FOR ORDINARY PURPOSES, FITNESS FOR A      PARTICULAR PURPOSE, NON-INFRINGEMENT, SYSTEM INTEGRATION, AND WORKMANLIKE      EFFORT; (II) AS TO THE QUALITY, ACCURACY, TIMELINESS, OR COMPLETENESS OF      THE SITE OR THE SERVICES OR ANY ASPECT THEREOF; (III) ARISING THROUGH      COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE; (IV) RELATING      TO THE SITE OR SERVICES CONFORMING TO ANY FUNCTION, DEMONSTRATION, OR      PROMISE BY ANY CIGNA FUNDING LLC PARTY; AND (V) THAT ACCESS TO OR USE OF      THE SITE AND/OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY      SECURE. ANY RELIANCE UPON THE SITE AND/OR SERVICES IS AT YOUR OWN RISK AND      THE CIGNA FUNDING LLC PARTIES MAKE NO WARRANTIES.
6. LIMITATION      OF LIABILITY. You agree that all access and use of the Site and      its contents and your use of the Services are at your own risk. Neither we      nor any Cigna Funding LLC party involved in creating, producing, or      delivering the Site and/or the Services has or will have any      responsibility for any consequences relating, directly or indirectly, to      any action or inaction that you may take based on the Site and/or the      Services, or any aspect thereof. You agree that you, and not Cigna Funding      LLC, will bear the entire cost of all servicing, repair, correction, or      restoration that may be necessary for your data, software programs, or      computer equipment because of any viruses, errors, or other problems you      may have as a result of using or visiting this Site.
   
       WE WILL NOT BE HELD LIABLE FOR ANY DEFECTS, FAULTS, INTERRUPTIONS, OR      DELAYS IN THE OPERATION OR TRANSMISSION OF ANY PRODUCT, AND/OR ANY      INACCURACIES, ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED IN THE SITE      AND/OR THE SERVICES. UNDER NO CIRCUMSTANCES WILL ANY OF THE CIGNA FUNDING      LLC PARTIES BE HELD LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL,      CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, INCLUDING, BUT NOT      LIMITED TO, LOST PROFITS, ARISING OUT OF, BASED ON, RESULTING FROM, OR IN      CONNECTION WITH THE SITE AND/OR THE SERVICES OR ANY PRODUCTS, THESE TERMS      OF USE OR YOUR USE OR INABILITY TO USE ANY OF THE FOREGOING, EVEN IF THE CIGNA      FUNDING LLC PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
   
       ALL OF THESE LIMITATIONS APPLY REGARDLESS OF THE CAUSE OR FORM OF ACTION,      WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, TORT, OR      OTHERWISE, AND EVEN IF WE OR OUR REPRESENTATIVES HAVE BEEN NEGLIGENT OR      HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NO ACTION ARISING      OUT OF OR PERTAINING TO THESE TERMS OF SERVICE MAY BE BROUGHT MORE THAN      ONE (1) YEAR AFTER THE CAUSE OF ACTION HAS ARISEN.
7. ACCESS      TO SITE. Cigna Funding LLC reserves the right at all times, in      its sole discretion and without notice to you, to deny your access to and      use of the Site.
8. LINKING. The      Site may, from time to time, provide links to other websites. Cigna      Funding LLC does not endorse, approve, sponsor, or control, and we are not      in any way responsible for any of the content, services, calculations,      information, products, or materials that you may receive through any      website where we may have provided a link. Through use of this Site, you      acknowledge and agree that Cigna Funding LLC will not be responsible for      or liable to you or any other person for any damage or claims that might      result from your use of such content, services, calculations, information,      products, or materials.
   
       No Advertising / No Links. Cigna Funding LLC does not permit third-party      advertising on this Site. Except with the express written permission of Cigna      Funding LLC, you agree that you will not create links from any website or      webpage to this Site or any webpage within this Site.
9. REVISIONS      AND MODIFICATIONS. We reserve the right to temporarily or      permanently modify or discontinue the Site, or any portion of the Site,      for any reason, without notice to you. We may also change these Terms of      Use from time to time without giving notice to you. Please review these      Terms of Use often because your continued access or use of the Site after      any modifications have become effective shall be deemed your conclusive      acceptance of the modified Terms of Use. You agree and acknowledge that Cigna      Funding LLC may temporarily or permanently revise or change these Terms of      Use at any time, without notice to you, and you agree that you will be      bound by the provisions of these Terms of Use as they appear on this Site      at the time you access this Site. Because these Terms of Use may change,      we encourage you to refer often to these Terms of Use. In addition, you      agree and acknowledge that all other content, services, products, and      materials on or available through this Site are subject to updating and      revision without notice to you. You further acknowledge and agree that      individual modifications to the Terms of Use may not be altered by      contract, unless permitted in writing by Cigna Funding LLC.
10. STATE      NOTICES.
11. GOVERNING      LAW AND DISPUTE RESOLUTION. You agree that these Terms of Use shall be      governed by and construed in accordance with the laws of the State of      Michigan, without giving effect to any principles of conflicts of law. You      understand and agree to resolve through final and binding arbitration the      following claims, disputes, or controversies arising between you and Cigna      Funding LLC, and its parents, affiliates, subsidiaries, or related      companies: all claims, disputes, or controversies arising from the      Telephone Consumer Protection Act of 1991 (“TCPA”), or state law claims      similar to the TCPA. You will arbitrate TCPA claims between you and Cigna      Funding LLC at a location the arbitrator will determine in compliance with      Cigna Funding LLC’ Governing Law provision. The arbitrator, not the court,      will resolve the issue of arbitrability. Any state or federal court having      jurisdiction thereof may enter judgment of any award the arbitrator      renders. This arbitration contract is made under a transaction in      interstate commerce, and the Federal Arbitration Act (“FAA”) will govern      its interpretation, application, enforcement, and proceedings. As the      Governing Law provision indicates, the laws of the State of Michigan      govern the enforceability of this arbitration provision as a contract, but      not the scope of this provision. Neither you nor Cigna Funding LLC are      entitled to join or consolidate claims in arbitration by or against other      consumers or to arbitrate any claim as a representative or member of a      class or in a private attorney general capacity. The parties voluntarily      and knowingly waive any right they have to a jury trial for TCPA-related      matters which, based on the above, will be arbitrated. You agree that any      other action(s) at law or in equity arising out of or relating to these      Terms of Use or the use of this website shall be filed only in the state      or federal courts located in Wayne County, Michigan, and you hereby      consent and submit to the personal jurisdiction of such courts for the      purposes of litigating.
12. MISCELLANEOUS. Because      Florida law controls this Site, all record keeping and data gathering is      based on Eastern Standard Time; as such, if you consent, acknowledge, or      e-sign a document through this Site, such consents, acknowledgment, and      signature will be time-stamped based on Eastern Standard Time even though      you may physically be in a different time zone.
    
        Your obligations under these Terms of Use are binding on your successors,      legal representatives, and assigns. You may not assign or transfer (by      operation of law or otherwise) your right to use the Site and/or the      Services or any aspect thereunder, in whole or in part, without our prior      written consent.
    
        Please contact us via email at support@CignaFunding.com with any questions      regarding these Terms of Use.

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