Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
The policy includes a mandatory arbitration clause that waives your right to jury trials and class actions, requiring disputes to be resolved through individual arbitration (risk_flags-1, risk_flags-2). Policy changes for text alert programs can occur without notice or liability to you (risk_flags-3). Your information may be transferred to or stored in the United States, which might have different data protection rules than your country (data_use-1). Third-party advertising companies may use your service usage and cookies to display targeted ads (data_use-2). If you opt to receive protected health information via text or email, it will be sent unencrypted and is at risk of interception (data_use-3). Declining to provide personal information may prevent access to requested products or services (gotchas-1). Uninstalling the mobile app may not fully remove your device's unique identifier, allowing re-association of past activity upon reinstallation (gotchas-2). Even after deletion requests, some information may be retained for recordkeeping, and residual data may remain (gotchas-3).
90% confidence
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Risk Flags
Critical issues that could lead to significant harm for the user. These include arbitration clauses, class action waivers, and other clauses that limit user rights or expose them to substantial risks.
high95% confidence
Mandatory Arbitration
This agreement contains a mandatory arbitration of disputes provision that requires the use of arbitration on an individual basis to resolve disputes, rather than jury trials or class actions.
Why it matters: You are required to resolve disputes through individual arbitration rather than through jury trials or class actions, which limits your legal recourse.
This agreement contains a mandatory arbitration of disputes provision that requires the use of arbitration on an individual basis to resolve disputes, rather than jury trials or class actions.
Text message alert terms and conditions, paragraph 2 · Citation strength: strong
high95% confidence
Waiver of Jury Trial and Class Action
You and Aetna are giving up the right to have a jury trial to the fullest extent permissible by applicable law and to file or participate in a class action subject to the limited exclusion below. In arbitration, disputes are resolved by an arbitrator, not a judge or jury, and there is less discovery and appellate review than in court.
Why it matters: You give up your right to a jury trial and to participate in class actions for disputes, which means disputes will be resolved by an arbitrator with less discovery and appellate review than in court.
This section also addresses that you and Aetna are giving up the right to have a jury trial to the fullest extent permissible by applicable law and to file or participate in a class action subject to the limited exclusion below. In arbitration, disputes are resolved by an arbitrator, not a judge or jury, and there is less discovery and appellate review than in court.
Aetna may change or discontinue any of its text alert programs without notice or liability to you.
Why it matters: Aetna can change or stop any of its text alert programs without notifying you or being held responsible, which could disrupt your service without warning.
Aetna may change or discontinue any of its text alert programs without notice or liability to you.
Text message alert terms and conditions, paragraph 15 · Citation strength: strong
Data Use
Practices related to the collection, processing, and sharing of user data. This includes how data is collected, what types of data are collected, and with whom it might be shared.
medium90% confidence
Consent to Data Transfer and Storage in the US
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 information may be transferred to or stored in the United States, where data protection rules might differ from your home country, potentially impacting your privacy rights.
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.
Web and mobile privacy statement, paragraph 4 · Citation strength: strong
medium90% confidence
Sharing of Personal Information with Third-Party Advertising Companies
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. To do so, these companies may place or recognize a unique cookie on your browser (including through the use of pixel tags).
Why it matters: Third-party advertising companies may use your service usage information and cookies to display targeted ads, potentially sharing your data with marketers.
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. To do so, these companies may place or recognize a unique cookie on your browser (including through the use of pixel tags).
Web and mobile privacy statement, paragraph 20 · Citation strength: strong
medium90% confidence
Unencrypted Personal Health Information in Text/Email Alerts
You acknowledge that if you elect to receive protected health information (PHI) as defined in the Health Insurance Portability and Accountability Act (HIPAA) via text alerts or email alerts, you are: 1. Electing to receive such information through an unencrypted method of communication. 2. Acknowledging that information contained in an unencrypted e-mail and/or text message is at risk of being intercepted and read by, or disclosed to, unauthorized third parties.
Why it matters: If you choose to receive protected health information via text or email, it will be sent unencrypted, risking interception or disclosure to unauthorized third parties.
You acknowledge that if you elect to receive protected health information (PHI) as defined in the Health Insurance Portability and Accountability Act (HIPAA) via text alerts or email alerts, you are:
Text message alert terms and conditions, paragraph 5 · Citation strength: strong
Cancellation and Renewal
Terms related to how users can cancel services, provisions for automatic renewals, and any associated fees or conditions.
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Verbaterm only flags concerns it can cite. No cancellation, auto-renewal, or refund terms needed attention here.
Gotchas
These are clauses that may be unexpected or hidden, potentially leading to user frustration, unexpected charges, or limitations on service use. They often require careful reading to uncover.
medium90% confidence
Consequences of Not Providing Personal Information
If you choose not to provide your personal information to us, we may not be able to provide you with the requested products, services or information.
Why it matters: Declining to provide personal information may prevent you from accessing requested products, services, or information.
If you choose not to provide your personal information to us, we may not be able to provide you with the requested products, services or information.
Web and mobile privacy statement, paragraph 8 · Citation strength: strong
medium90% confidence
Installer ID Retention After Uninstall
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.
Why it matters: Uninstalling the mobile app may not fully remove your device's unique identifier, which could allow the company to re-associate your past activity 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.
Web and mobile privacy statement, paragraph 26 · Citation strength: strong
medium90% confidence
Incomplete Deletion of Residual Information
Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting such change or deletion. There may also be residual information that will remain within our databases and other records, which will not be removed.
Why it matters: Even after requesting deletion, some of your information may be retained for recordkeeping or transaction completion, and residual data may remain in their databases.
Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting such change or deletion. There may also be residual information that will remain within our databases and other records, which will not be removed.
Web and mobile privacy statement, paragraph 27 · Citation strength: strong
Protections
These are clauses that offer benefits or security to the user, such as data encryption, clear data deletion policies, or commitments to user privacy and control.
Protection95% confidence
Children's Privacy Protection
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.
Why it helps: This helps protect the privacy of children by explicitly stating that the company does not knowingly collect personal information from individuals under 13 without parental consent.
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.
Web and mobile privacy statement, paragraph 3 · Citation strength: strong
Protection90% confidence
Right to Request Information Modification or Removal
You can request the removal or modification of the personal information you have provided to us by contacting Member Services at the phone number on your ID card.
Why it helps: Users have the right to request changes or deletion of their personal information, giving them control over their data.
You can request the removal or modification of the personal information you have provided to us by contacting Member Services at the phone number on your ID card.
Web and mobile privacy statement, paragraph 24 · Citation strength: strong
Protection90% confidence
Uninstall Option for Mobile Application Data Collection
You can stop all further collection of information by the Business’s mobile application by uninstalling the Business’s mobile application. You may use the standard uninstall process available as part of your mobile device or via the mobile application marketplace or network.
Why it helps: Users can stop further data collection from the mobile application by uninstalling it through standard device processes.
You can stop all further collection of information by the Business’s mobile application by uninstalling the Business’s mobile application. You may use the standard uninstall process available as part of your mobile device or via the mobile application marketplace or network.
Web and mobile privacy statement, paragraph 25 · Citation strength: strong
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