Sharing all personal information for everyday business purposes
Cigna says it may share all of the personal information about the reader that it collects with affiliates and with nonaffiliated companies for its everyday business purposes. It defines nonaffiliated companies as those not under common ownership with Cigna, such as its service providers.
Supporting quotations
We may share all of the personal information about you that we collect with affiliates and nonaffiliated companies (companies that are not under common ownership with us, such as our service providers) for our everyday business purposes. For example, we may use your personal information and share it with others to:
Federal laws don’t allow you to limit the sharing of personal information as described above.
Qualifications & exceptions
The wording is “may”, a permission rather than a statement that sharing always happens.
The scope is “all of the personal information about you that we collect”, with no category limits.
Recipients include affiliates and nonaffiliated companies such as service providers.
A later paragraph says federal laws do not allow the reader to limit sharing as described above.
Not stated here
The notice does not define “everyday business purposes” beyond the examples that follow.
The notice does not name the affiliates or nonaffiliated recipients.
Sharing & Disclosure · Permission or license
Information shared if Cigna sells or merges its business
Among its everyday business purposes, Cigna lists using and sharing personal information to sell all or any part of its business or merge with another company.
Supporting quotations
Sell all or any part of our business or merge with another company
Qualifications & exceptions
Listed as an example everyday business purpose with “may”, so it is a permission.
Not stated here
The notice does not say what protections or choices apply to information in such a transfer.
Sharing & Disclosure · Permission or license
Other recipients of personal information
Cigna says it may also share the reader’s personal information with medical health care professionals, insurers including reinsurers, successor insurers or claim administrators who administer the reader’s benefit plan, and companies that help it recover overpayments, pay claims or do coverage reviews.
Supporting quotations
We may also share your personal information with:
Medical health care professionals
Insurers, including reinsurers
Successor insurers or claim administrators who administer your benefit plan
Companies that help us recover overpayments, pay claims or do coverage reviews
Qualifications & exceptions
The wording is “may also share”, a permission.
The recipients are described by category, not by name.
Not stated here
The notice does not say what information goes to each recipient category.
Sharing & Disclosure · Permission or license
Sharing for marketing and joint marketing
Cigna says it may share information with its agents and service providers to offer its products and services to the reader. It may also share personal information with other financial companies for joint marketing, which it defines as a formal agreement between nonaffiliated financial companies that jointly endorse, sponsor or market financial products or services to the reader.
Supporting quotations
We may share information with our agents and service providers to offer our products and services to you.
We may share your personal information with other financial companies for the purpose of joint marketing.
Joint marketing is when there is a formal agreement between nonaffiliated financial companies that jointly endorse, sponsor or market financial products or services to you.
Qualifications & exceptions
The wording is “may”.
Joint marketing, as defined, requires a formal agreement between nonaffiliated financial companies.
Joint marketing sharing is with other financial companies.
Not stated here
The notice does not name the joint marketing partners or say which categories of information are shared for marketing.
Sharing & Disclosure · Restriction or exception
Former customers and the limit on stopping this sharing
Cigna says it may share personal information about former customers in the way described above, and states that federal laws do not allow the reader to limit the sharing described above. Separately, the notice says the reader may have additional rights under state or other applicable laws.
Supporting quotations
We may also share personal information about former customers in the way described above.
Federal laws don’t allow you to limit the sharing of personal information as described above.
You may have additional rights under state or other applicable laws.
Qualifications & exceptions
This paragraph sits under the marketing heading after both sharing subsections, so “above” can be read to reach everyday and marketing sharing.
The additional state or other law rights are stated as “may have”.
Not stated here
The notice does not identify which state or other laws could give additional rights.
The supplied text describes no way to opt out of the sharing described above.
Cross-references
contrast (model-proposed): Additional rights under other laws and protection from pretext interviews — contrast: One paragraph says federal laws do not allow the reader to limit the sharing described above; another says the reader may have additional rights under state or other applicable laws. The notice does not say which state or other rights, if any, would let a reader limit sharing, so the two statements pull in different directions without being resolved.
qualifies (model-proposed): Sharing all personal information for everyday business purposes — qualifies: The statement that federal laws do not allow the reader to limit the sharing described above qualifies the broad permission to share all personal information for everyday business purposes: the reader is told the notice offers no way to limit it.