Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
The policy includes mandatory arbitration, jury trial waiver, and class action waiver provisions (risk_flags-0001, risk_flags-0002, risk_flags-0003). Your information may be transferred to the United States, which might have different data protection rules (risk_flags-0004), and there's no guarantee of 100% data security.
90% confidence
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Risks to be aware of
2 findings
These are the most critical policy elements that may affect your rights or expose you to material harm.
high95% confidence
Mandatory Arbitration
This agreement includes an arbitration provision that affects your legal rights, meaning disputes will be resolved through binding individual arbitration instead of a judge or jury, with less discovery and appellate review than in court.
Why it matters: You waive your right to a trial by jury and agree to resolve disputes through binding individual arbitration, which has less discovery and appellate review than court proceedings.
This agreement includes an arbitration provision, a jury trial waiver, and a class action waiver that affect your legal rights. In arbitration, there is no judge or jury, and there is less discovery and appellate review than in court. Details are set forth below. Please review carefully.
Text message alert terms and conditions, paragraph 2 · Citation strength: strong
medium90% confidence
Information Transfer to the United States
By using the Services, you consent to the transfer of your information to the United States or storage of your information in the United States, which may have different data protection rules than those of your country.
Why it matters: Your personal information may be transferred to and stored in the United States, where data protection laws may differ from those in your own country, potentially offering less protection.
By using the Services, you consent to the transfer of your information to the United States or storage of your information in the United States, which may have different data protection rules than those of your country.
What this privacy statement covers, paragraph 6 · Citation strength: strong
How your data is used and shared
4 findings
Policies on collection, use, and sharing of personal information, including for marketing, analytics, and third-party purposes.
medium90% confidence
Disclosure to Affiliates and Business Partners for Marketing
Aetna may disclose your personal information to affiliated companies and partners, who may use it to send you marketing and other communications.
Why it matters: Your personal information may be shared with affiliated companies and partners, who can then send you marketing and other communications.
Affiliates and business partners : We may disclose your personal information to affiliated companies and partners, to the extent permitted by applicable law, who may use it to send you marketing and other communications.
The personal information we collect, paragraph 11 · Citation strength: strong
medium90% confidence
Use of Third-Party Advertising Companies
Aetna may use third-party advertising companies to display advertisements based on your access and use of the Services and other online services.
Why it matters: Third-party advertising companies may collect information about your online activities to show you targeted advertisements.
We may use third-party advertising companies to display advertisements regarding goods and services that may be of interest to you when you access and use the Services, based on information relating to your access to and use of the Services and other online services.
Cookies and other technologies, paragraph 6 · Citation strength: strong
low90% confidence
No Response to Do-Not-Track Signals
Aetna does not respond to browser do-not-track signals.
Why it matters: Your browser's "do-not-track" setting will not prevent Aetna or its third-party advertisers from collecting information about your online activities.
We do not respond to browser do-not-track signals.
Cookies and other technologies, paragraph 6 · Citation strength: strong
low90% confidence
Retention of Data After Mobile App Uninstall
If you uninstall the mobile application, Aetna's unique identifier associated with your install and/or device might continue to be stored, and if you re-install the application, Aetna might be able to re-associate this identifier to your previous transactions and activities.
Why it matters: Even after uninstalling the mobile app, a unique identifier might remain stored, allowing Aetna to link your past activities if you reinstall the app.
Note: If you uninstall the mobile application from your device, the Business’s unique identifier associated with your install and/or device might continue to be stored. If you re-install the application on the same device, the Business might be able to re-associate this identifier to your previous transactions and activities.
Cookies and other technologies, paragraph 16 · Citation strength: strong
Cancellation and renewal terms
All clear
Key policies about how to stop using a service, cancel a subscription, and any auto-renewal clauses.
✓
Looking good
No billing surprises spotted
Verbaterm only flags concerns it can cite. No cancellation, auto-renewal, or refund terms needed attention here.
Other Gotchas
All clear
Unexpected or less-common policy elements that could be harmful or problematic for users.
✓
Looking good
No hidden gotchas
Verbaterm only flags concerns it can cite. Nothing easy-to-miss stood out in this section.
Consumer Protections
3 findings
These are policy elements that are beneficial to the user and help protect their rights or data.
Protection95% confidence
Non-collection of personal information from individuals under 13
Aetna does not knowingly collect personal information online from any person it knows to be under the age of 13.
Why it helps: This protects the privacy of young children by ensuring their personal information is not knowingly collected online.
We do not knowingly collect personal information online from any person we know to be under the age of 13 and instruct users under 13 not to send us any information to or through the Services without their parents’ consent.
What this privacy statement covers, paragraph 5 · Citation strength: strong
Protection95% confidence
Ability to opt out of text alerts
You may opt out of Aetna text alerts at any time by texting 'STOP' to the provided numbers.
Why it helps: You have control over receiving text alerts and can stop them at any time.
You may opt out of Aetna text alerts at any time.
Text message alert terms and conditions, paragraph 11 · Citation strength: strong
Protection95% confidence
Right to opt out of arbitration
You have the right to opt out of arbitration by sending a personally signed, written notice within 60 days of agreeing to terms that included an arbitration agreement.
Why it helps: You retain the option to resolve disputes in a court of competent jurisdiction rather than through arbitration, if you opt out within the specified timeframe.
You have the right to opt out of arbitration by sending your personally signed, written notice of your decision to opt out to the following address: Aetna Life Insurance Company, c/o CT Corporation System, 357 E Center St. Ste 2J, Manchester, CT, 06040-4471, postmarked within 60 days of the first time you agreed to terms with Aetna that included an arbitration agreement.