jointly and individually, as well as to other of their affiliates, unless otherwise indicated by specific reference to a company. "You" and "yours" refers to the owner of one or more policies/contract/accounts offered by us.
Your use of this web site is governed by this User Agreement. Metropolitan Life Insurance Company ("MetLife") provides this web site and your individually identifiable Log-in ID and Password as a convenience to you, the user. This site is NOT intended to be accessed with your Log-in ID and Password by your MetLife-affiliated financial advisor, independent financial advisors or representatives, or any other third party, other than you, the policy/contract/account owner. We reserve the right to prevent anyone other than the policy/contract/account owner from using this web site. YOUR INDIVIDUALLY IDENTIFIABLE LOG-IN ID AND PASSWORD ARE FOR YOUR BENEFIT ONLY; PLEASE DO NOT SHARE THIS INFORMATION WITH ANYONE.
MetLife also provides administrative services to certain of its affiliates, services which include use of this web site to provide materials, information, and services to you. These MetLife affiliates include, but are not limited to:
First MetLife Investors Insurance Company
General American Life Insurance Company
MetLife Insurance Company USA
MetLife Investors Distribution Company
MetLife Securities, Inc.
Metropolitan Life Insurance Company
Metropolitan Property and Casualty Insurance Company
New England Life Insurance Company
Please read the following terms and conditions carefully before using this web site or any of our other web sites. You should review these terms and conditions regularly as they may change at any time at our sole discretion. The following terms and conditions apply to all of our web sites, including any web sites owned, operated or sponsored by any of our subsidiaries or affiliates, but we may add to or supersede certain provisions of these terms and conditions with other provisions located in other of our web sites.
UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND, HOWSOEVER CAUSED THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS WEB SITE. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
THIS WEB SITE, ALL UPGRADES, UPDATES, MODIFICATIONS, RELEASES, AND SERVICES INCLUDING, BUT NOT LIMITED TO, ACCESS TO AND USE OF THE INTERNET, FURNISHED TO YOU PURSUANT TO THIS AGREEMENT ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES REGARDING THIS WEB SITE OR THE USE THEREOF, AND ACCESS TO AND USE OF THE INTERNET, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE.
2. We Do Not Have Responsibility for Links to Third Party Content
LINKS TO WEB SITES OF NON-AFFILIATED THIRD PARTIES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB SITE IS NOT UNDER OUR CONTROL AND WE ARE NOT RESPONSIBLE FOR IT. We reserve the right to terminate a link to a third party web site at any time. The fact that we provide a link to a third party website does not necessarily mean that we endorse, authorize, or sponsor that web site, nor that we are affiliated with the third party web site's owners or sponsors. If you wish to link to any of our sites, please contact our webmaster to complete a hyperlinking agreement. If you are one of our group customers and wish to link your website to this site, please contact one of our representatives for instructions on completing a hyperlinking agreement.
3. Term of Agreement
This Agreement will be effective upon execution, that is, by your clicking on the "I Consent" button at the end of this Agreement, and shall continue until termination by you or by us. We reserve the right to suspend or terminate this Agreement immediately and without notice if we, in our sole discretion, determine that suspension or termination is necessary to comply with any applicable law, regulation, tariff, order, or our rules, policies, practices, and/or security procedures and concerns.
This Agreement may be terminated by the User at any time by contacting the Customer Service Center and following the instructions provided to you with regards to termination.
4. Transaction Requests and Other Information Submissions
You are solely responsible for the genuineness and accuracy, both as to content and form, of all requests and other communications properly received by us. We will use commercially reasonable efforts to process your requests received and to update your requested information. To the extent that you use this web site, it is expressly understood and agreed that: (i) we may rely on the accuracy of such information; (ii) we may act upon all instructions received by means of your submit requests or other information; (iii) we assume no liability whatsoever if, as a result of the inaccuracy of such information, you or any third party suffer any loss or damages. You understand and agree that submitting a request using the web site does not guarantee processing of that request and that you are solely responsible to check the status of the request on the web site, and take any further action necessary, including, if necessary, resubmitting a request. By signing this Agreement you warrant and represent to us that: (i) you shall not cause to be introduced into our systems, any virus or any other contaminant or code that may be used to access, alter, delete, damage, or disable any software, data, material, or other property owned or used by us; (ii) you have the right to provide to us access to claim information and data, and that we have a restricted and unassignable right to access such information and data without any liability whatsoever to you; and (iii) neither our access to any information submitted by you, your use of the web site, nor your provision of any information through the web site, constitutes or may give rise to a claim of patent and/or copyright infringement, or unlawful disclosure, use or misappropriation of any property right.
5. Confirmations and Other Communications from Us
You understand that it is your responsibility to review all confirmations, statements, notices, and other communications from us relating to the web site. You agree that we fulfill our legal obligations to deliver any such document, if sent by electronic delivery or posted on the web site, provided you have consented to electronic delivery of required documents. You understand that you can revoke this consent at any time and can receive such documentation in writing by giving written notice to the company listed below from which you've been receiving electronic documents, including any of their unlisted subsidiaries and/or affiliates. Documents sent by electronic delivery contain all the information that appears in the printed hardcopy version as prepared and distributed by the originator, with the possible exception of graphic insertions such as photographs or logotypes. Electronic delivery may be in the form of an E-mail, an E-mail attachment, or in the form of an available document which may be downloaded from the web site. You represent that you will download the relevant document promptly after receiving notice of its availability and that you have the appropriate software to enable you to do so. Should you experience any difficulty opening a document electronically delivered by us, you must promptly advise us in order to allow us to make delivery by other means. Failure to advise us of such difficulty within 5 days (or any longer period required by law) after delivery shall serve as an affirmation that you were able to receive and open said document. You are responsible for ensuring that your software and internet service provider do not inhibit or interfere with the communications described herein.
6. Security Devices, Passwords, Etc.
In using the web site, you are fully responsible for the security of passwords, IDs, digital certificates and other security devices assigned to you by us ("Security Devices"). The use and storage of any information by you relating to the services including, without limitation, the Security Devices, transaction activity, claim information, and any other information on your computer is at your own risk and is your sole responsibility. By signing this Agreement, you agree to protect any information relating to this web site, the services and/or any software downloaded by you in order to use the services, if applicable, from unauthorized access, copying or use. In order to use this web site and the services, you shall install virus checking software, with then-current virus signatures and definitions, on all computers that you use to interface with the web site and the services, and you shall ensure that you are engaged in a secure session prior to transmitting any claim-related information (i.e., the web site indicates that the communication will be secured using SSL security, or the Web Site URL reads "Https://" indicating a secure connection). In the event you detect or become aware of any unauthorized access, copying, or use of information relating to the services (including, if applicable, any software downloaded by you in order to use the services), or loss or theft of a Security Device, you agree to notify us immediately. We may rely on any transmissions received using the Security Devices.
7. Privacy/Treatment of Information or Data Transmitted to Us
8. Proprietary Rights & Restricted Use
This web site's content is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this web site's content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. You are not authorized to post on or transmit to or from this web site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.
You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this web site, without our prior written permission.
9. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web Site
The trademarks, service marks, and logos used and displayed on this web site belong to their respective owners, and all use of them shall inure to the benefit of those respective owners. We are the copyright owner of all text contained on this web site. Peanuts Worldwide, LLC is the copyright owner of all PEANUTS®, characters and graphics contained on this web site. METLIFE®, METLIFE ONLINE®, and other trademarks and service marks of Metropolitan Life Insurance Company, or its subsidiaries or affiliates that may be referred to on this web site are the property of Metropolitan Life Insurance Company or one of its subsidiaries or affiliates. Other parties' trademarks and service marks that may be referred to are the property of their respective owners. Nothing on this web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission. You are not authorized to use our logo as a hyperlink to this web site unless you obtain our written permission in advance.
10. We Are Not Providing Investment Advice Nor Soliciting Offers
Unless and except where expressly provided, nothing in this web site constitutes investment, tax, legal, or insurance advice, including our filings with the U.S. Securities and Exchange Commission (SEC). Except where expressly stated to the contrary, nothing in this web site constitutes an offer to sell or the solicitation of any offer to buy any security or any related product. No security offered by MetLife, Inc., its subsidiaries or affiliates is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities law or other laws of such jurisdiction, or would subject MetLife, Inc., its subsidiaries or affiliates to any registration requirement of such jurisdiction. No such security is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction. In addition, except where we expressly state, any prospectus, supplement or other information available on this web site is posted for informational purposes only, and is not a recommendation that you should engage in any purchase or sale.
When available, MetLife, Inc.'s and certain other affiliates' Annual Reports on form 10-K, Quarterly Reports Form 10-Q, and other materials will be accessible through the Investor Relations portion of www.MetLife.com
or by accessing the SEC's web site at http://www.sec.gov
11. You Should Not Rely on the MetLife, Inc. Stock Price Information on This Web Site
We do not generate the information regarding MetLife, Inc. stock prices for this web site. We believe that the information on Investor Relations portion of www.MetLife.com
is accurate, but we cannot guarantee or warrant the accuracy, completeness, or timeliness of the information. You should not rely on the stock price information for investment purposes. We are not liable for any loss or damages, whether direct, indirect, incidental, special, consequential, or exemplary, that may arise from reliance on the stock price information on the MetLife, Inc. Investor Relations portion of this web site.
12. Investors Should Not Unduly Rely on Any Forward-Looking Information
This web site may contain statements which constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 including statements relating to trends in the operations and financial results and the business and products of MetLife, Inc. and its subsidiaries, as well as other statements including words such as "anticipate", "believe", "plan", "estimate", "expect", "intend" and other similar expressions. Forward looking statements are made based upon management's current expectations and beliefs concerning future developments and their potential effects on the company. Such forward looking statements are not guarantees of future performance.
Actual results to differ materially from those included in the forward-looking statements as a result of risks and uncertainties including, but not limited to, the following: (i) changes in general economic conditions, including the performance of financial markets and interest rates, which may affect the company's ability to raise capital and its generation of fee income and market-related revenue; (ii) heightened competition, including with respect to pricing, entry of new competitors, the development of new products by new and existing competitors and for personnel; (iii) investment losses and defaults, and changes to investment
valuations; (iv) unanticipated changes in industry trends; (v) catastrophe losses; (vi) ineffectiveness of risk management policies and procedures; (vii) changes in accounting standards, practices and/or policies; (viii) changes in assumptions related to deferred policy acquisition costs, value of business acquired or goodwill; (ix) discrepancies between actual claim experience and assumptions used in setting prices for the company's products and establishing the liabilities for the company's obligations for future policy benefits and claims; (x) discrepancies between actual experience and assumptions used in establishing liabilities related to other contingencies or obligations; (xi) adverse results or other consequences from litigation, arbitration or regulatory investigations; (xii) downgrades in the company's and its affiliates' claims paying ability, financial strength or credit ratings; (xiii) regulatory, legislative, or tax changes that may affect the cost of, or demand for, the company's products or services; (xiv) MetLife, Inc.'s primary reliance, as a holding company, on dividends from its subsidiaries pay such dividends; (xv) deterioration in the experience of the "closed block" established in connection with the reorganization of Metropolitan Life Insurance Company; (xvi) economic, political, currency and other risks relating to the company?s international obligations; (xvii) the effects of business disruption or economic contraction due to terrorism or other hostilities; (xviii) the company's ability to identify and consummate on successful terms any future acquisitions, and to successfully integrate acquired businesses with minimal disruption; and (xix) other risks and uncertainties described from time to time in MetLife, Inc.'s filings with the SEC.
The company specifically disclaims any obligation to update or revise any forward looking statement, whether as a result of new information, future developments or otherwise.
13. You Agree to Indemnify Us for Using This Web Site
You agree to indemnify, defend, and hold harmless us, and our respective officers, directors, employees, agents, licensors, suppliers, and any third party information providers to us from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement by you.
14. Third Parties May Have Rights Under This Agreement
The provisions of this Agreement are for our benefit and our respective officers, directors, employees, agents, licensors, and suppliers. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.
15. Users Under 18 Years of Age.
In order to use this site you must be 18 years of age or older.
16. Force Majeure:
The Company shall not be liable for any delay or failure to perform its obligations hereunder caused by an event of natural disaster, pandemics, casualty, acts of God or public enemy, riots, terrorism, governmental acts or such other event of similar nature, which is beyond the reasonable control of the Company.
17. All Products, Programs and Services May Not be Available in Your Area
This web site is controlled by us from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. You may not use or export the materials in this web site in violation of U.S. export laws and regulations. THE LAWS OF THE STATE OF NEW YORK WILL GOVERN THE CONTENT AND MATERIALS CONTAINED IN THIS WEB SITE, WITHOUT GIVING EFFECT TO ANY PRINCIPLES OF CONFLICTS OF LAWS. YOU HEREBY CONSEN
T TO SUBMIT TO THE EXCLUSIVE JURISDICTION OF AND VENUE IN THE COURTS OF THE STATE OF NEW YORK AND OF THE UNITED STATES OF AMERICA LOCATED IN THE STATE OF NEW YORK FOR ANY LITIGATION ARISING OUT OF OR RELATING TO THE USE OF THIS WEB SITE.
We are not authorized to do business in every jurisdiction. Information that we publish on this web site may contain references or cross-references to products, programs or services of ours that are not available in your state or country. The products referred to on this web site may be offered and sold only to persons in the United States of America and its territories. Consult one of our local financial representatives for information regarding the products, programs and services which may be available to you.
First MetLife Investors Insurance Company, 200 Park Avenue, New York, NY, 10166, NAIC Company Code Number 60992, is licensed to do business in New York. First MetLife Investors Insurance Company is a New York life insurance company.
General American Life Insurance Company, 13045 Tesson Ferry Road, St. Louis, MO 63128, NAIC Company Code Number 63665, is licensed to do business in all states, including the District of Columbia, and Puerto Rico, but excluding New York and the Virgin Islands. General American Life Insurance Company is a domiciliary of, and has its principal place of business in, the State of Missouri.
MetLife, Inc., 200 Park Avenue, New York, NY 10166.
MetLife Insurance Company USA*, 11225 North Community House Road, Charlotte, NC 28277, NAIC Company code Number 87726 is licensed to do business in the District of Columbia, Puerto Rico, and the Virgin Islands and all states except New York.
MetLife Investors Distribution Company, (Member FINRA).
MetLife Securities, Inc., 1095 Avenue of the Americas, New York, NY 10036. (Member FINRA/SIPC).
Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166, NAIC Company Code Number 65978, is licensed to do business in all fifty states, the District of Columbia, Puerto Rico, and the Virgin Islands. Metropolitan Life Insurance Company is a domiciliary of, and has its principal place of business in, the State of New York.
Metropolitan Property and Casualty Insurance Company, 700 Quaker Lane, Warwick, Rhode Island 02887, NAIC Company Code Number 26298, is licensed to do business in all states, including the District of Columbia, but excluding Alaska and California. (Certain affiliates are licensed to do business in Alaska and California.) Metropolitan Property and Casualty Insurance Company is a domiciliary of, and has its principal place of business in, the State of Rhode Island.
New England Life Insurance Company, One Financial Center, Boston, Massachusetts 02111, NAIC Company Code Number 91626, is licensed to do business in all fifty states, including the District of Columbia, but excluding the Virgin Islands and Puerto Rico. New England Life Insurance Company is a domiciliary of, and has its principal place of business in, the Commonwealth of Massachusetts.
To reach eSERVICE Customer Service with regard to any questions about this User Agreement, please call 1-866-363-8669.
* Formerly known as MetLife Insurance Company of Connecticut. Effective November 14, 2014, MetLife Investors Insurance Company and MetLife Investors USA Insurance Company merged into MetLife Insurance Company USA.