Terms of Use and your acceptance of them. Read before continuing.
MetLife Investment Management (Europe) Limited. ("MIMEL") is pleased to provide you with the information, content and tools on this website. These Terms of Use also include some important disclosures and information related to certain products and services. Your use of this website is subject to these Terms of Use ("Terms").
These Terms are a binding agreement between you and MIMEL. By using or accessing the MetLife Investment Management ("MIM") website, you accept and agree to be bound by these Terms. Your use of the MIMEL website is governed by the version of the Terms in effect on the date the MIMEL website is accessed by you. MetLife may modify these Terms at any time and without prior notice. You should review the most current version of these Terms by visiting the MIMEL website and clicking on the Legal Notices hyperlink located at the bottom of the page. These Terms are in addition to any other agreements between you and MIMEL, including any customer or account agreements, and any other agreements that govern your use of information, content and tools available on and through the MIMEL website.
The MIMEL website is not directed to and may not be used by any person in any jurisdiction where the direction or use of the MIMEL website is prohibited or would be contrary to any applicable laws or regulations. As a condition of your use of the MIMEL website, you warrant that you will not use the MIMEL website for any purpose that is prohibited by these Terms or is in violation of any applicable laws and regulations.
Use of the MIMEL website
The MIMEL website is intended only for your personal, non-commercial use, unless you and MIMEL have agreed otherwise in writing.
MetLife companies
[MIMEL provides investment management services to affiliates and third party investors through various subsidiaries.' Some of these affiliates are financial services companies, that may be licensed or registered under US or UK law or the laws of other countries, and others are not regulated as such.] MetLife Investment Management is MetLife's institutional investment management business.
Content produced by MetLife, Inc. (“MetLife”) and its subsidiaries is marked and labeled as such. MIMEL makes reasonable efforts to provide accurate content on the MIMEL website, but at times MIMEL may not promptly update or correct the MIMEL website even if it is aware that it is inaccurate, outdated or otherwise inappropriate. MIMEL selected and published content is not intended to provide tax, legal, insurance or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by any MetLife entity or any third party.
Limitations on investment guidance and professional advice
The MIMEL website is not intended to provide legal, tax, investment or insurance advice. Nothing on the MIMEL website should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by MIMEL or any third party. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or tax professional regarding your specific situation.
Copyright policy and trademarks
The MIMEL website is protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in the MIMEL website, including any text, graphics, video, audio, software code, user interface design or logos.
All trademarks and service marks on the MIMEL website belong to MetLife or an affiliate, except third-party trademarks and service marks, which are the property of their respective owners.
Third party content and research
The MIMEL website may include general news and information, commentary, quotes, research reports and data concerning the financial markets, securities and other subjects. Some of this content is supplied by companies that are not affiliated with MetLife ("Third Party Content"). On the MIMEL website, the source of all Third Party Content is clearly and prominently identified. Third Party Content may be available through framed areas, through hyperlinks to third party web sites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to United States laws, the laws of other countries and international treaties and is owned or licensed by the Third Party Content provider(s) credited.
MIMEL has not been involved in the preparation, adoption or editing of Third Party Content and does not explicitly or implicitly endorse or approve such content. The Third Party Content providers do not implicitly or explicitly endorse or approve the Third Party Content, nor do they give investment advice, or advocate the purchase or sale of any security or investment.
While MIMEL makes every attempt to provide accurate and timely information to serve the needs of users, neither MIMEL nor the Third Party Content providers guarantee its accuracy, timeliness, completeness or usefulness, and are not responsible or liable for any such content, including any advertising, products, or other materials on or available from third party sites. Third Party Content is provided for informational purposes only and MIMEL and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the site. You will use Third Party Content only at your own risk. THE THIRD PARTY CONTENT IS PROVIDED ON AN "AS-IS" BASIS. THE THIRD PARTY CONTENT PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.
THE THIRD PARTY CONTENT PROVIDERS AND THEIR PARENTS, SUBSIDIARIES, AFFILIATES, SERVICE PROVIDERS, LICENSORS, OFFICERS, DIRECTORS OR EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THE USE OR THE INABILITY TO USE THE THIRD PARTY CONTENT, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Timeliness of content
All content on the MIMEL website is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.
Prohibited uses
Because all servers have limited capacity and are used by many people, do not use the MIMEL website in any manner that would damage or overburden any MetLife server, or any network connected to any MetLife server. Do not use the MIMEL website in any manner that would interfere with any other party's use of the MIMEL website.
Password security and notification
Certain parts of the MIMEL website may be protected by passwords or require a login. You may not obtain or attempt to obtain unauthorized access to such parts of the MIMEL website, or to any other protected materials or information, through any means not intentionally made available by MIMEL for your specific use.
If you have a password for access to non-public areas of the MIMEL website, you are solely responsible for maintaining the confidentiality and use of the password and other security data, methods and devices. Further, you are responsible for all activities that occur in connection with your password including all instructions electronically transmitted or use of any data, information or services obtained using your password and other security data. MIMEL shall not be under any duty to inquire as to the authority or propriety of any instructions given to MIMEL by you or via your password and shall be entitled to act upon any such instructions and MIMEL will not be liable for any loss, cost, expense or other liability arising out of any such instructions. Accordingly, you should take steps to protect the confidentiality of your password. As an authorized user you accept full responsibility for the monitoring of your account including frequently checking your account information, reviewing your transaction history online and promptly reviewing any correspondence, account statements and confirmations received from MIMEL. You agree to notify MIMEL immediately if you become aware of any unauthorized activity, disclosure, loss, theft or unauthorized use of your password. You agree to cooperate with MIMEL in any investigation and agree to take corrective measures to protect your account from further fraudulent activity.
DISCLAIMER OF WARRANTIES
MIMEL DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE MIMEL WEBSITE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE MIMEL WEBSITE IS MADE AVAILABLE TO YOU "AS IS" AND "AS AVAILABLE" AND MIMEL DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED.MIMEL DOES NOT WARRANT THAT THE MIMEL WEBSITE WILL MEET YOUR NEEDS, OR THAT IT WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. MIMEL ALSO MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE MIMEL WEBSITE WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE MIMEL WEBSITE WILL MEET YOUR NEEDS.LIMITATION OF LIABILITY.
MIMEL WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE MIMEL WEBSITE AND THIRD PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF MIMEL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.MIMEL WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH SUCH MIMEL DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.
IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR IF YOU ACCESS THE MIMEL WEBSITE SOLELY THROUGH AN ARRANGEMENT WITH YOUR EMPLOYER OR PLAN SPONSOR, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.
Indemnification
As a condition of your use of the MIMEL website, you agree to indemnify and hold MetLife (and all associated affiliates and subsidiaries, including MIMEL) and its Third Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to solicitors’ fees) arising from your use of the MIMEL website, or from your violation of these Terms.
Changes to MIMEL website
Unless otherwise agreed, MIMEL may discontinue or modify the MIMEL website at any time without prior notice to you, and you accept those modifications if you continue to use the MIMEL website.
Termination
MIMEL may terminate your access to the MIMEL website for any reason, without prior notice.
No reliance on any forward-looking information
The MIMEL website may contain information that includes or is based upon forward-looking statements within the meaning of the applicable securities laws. Forward-looking statements give MIMEL’s expectations or forecasts of future events. You can identify these statements by the fact that they do not relate strictly to historical or current facts. They typically use words such as "anticipate," "estimate," "expect," "project," "intend," "plan," "believe," and other similar words. Any or all of the forward-looking statements here or in other publications may turn out to be wrong. Forward-looking statements can be affected by inaccurate assumptions or by known or unknown risks and uncertainties. Many such factors will be important in determining actual future results. Consequently, there can be no assurance that the results described in such forward-looking statement will be realized. The risks and uncertainties that may cause actual results to differ materially from those expressed in such forward-looking statements include the following changes in general economic conditions, including the performance of financial markets and interest rates. MIMEL specifically disclaims any obligation to update or revise any forward-looking statement, whether as a result of new information, future developments or otherwise. Given these uncertainties, you should not place undue reliance on these forward-looking statements.
Privacy and use of cookies
Personal information transmitted to MIMEL will be treated in accordance with MIMEL’s Privacy Policy.
When you visit the MIMEL website, MetLife may receive certain standard information (also known as “cookies”) that your browser sends to every website you visit, such as the originating IP address, browser type and language, access times, and other such information. This data may be used, among other uses, to improve the operation of the MIMEL website and to improve the security of the MIMEL website and its service by assisting in authenticating who you are when you access the MIMEL website.
Severability; waiver
If a court of competent jurisdiction holds any provision of these Terms to be invalid or unenforceable, then such provision will be enforced to the maximum extent permissible, and all of the other provisions of these Terms will remain enforceable and in full effect. No failure or delay of MIMEL in enforcing any term, exercising any option or requiring performance will be a waiver of that or any other right of TMR.
Communication using the MIMEL website
The MIMEL website may, now or in the future, contain functionality or features that permit submissions to MIMEL. Any suggestion, material, information or idea or intellectual property communicated by you to MetLife through the MIMEL website or posted on the MIMEL website (a “Submission”) will be considered non-confidential and non-proprietary, unless and to the extent that MIMEL specifically agrees in writing to separate terms and conditions at the time of the submission. Each Submission will become the property of MIMEL upon communication to MIMEL . If for any reason the preceding sentence does not result in MIMEL owning any of the Submissions, you grant to MIMEL and its affiliates the irrevocable, perpetual, unlimited, world-wide, paid-up and royalty free right and license to share, reproduce, publish and otherwise use and otherwise exploit your Submission for any purpose whatsoever. You agree not to assert any ownership right of any kind and you waive the right to receive any financial or other consideration in connection with any material, information or idea submitted. You represent, warrant and covenant to MIMEL that you have the right to communicate to MIMEL or post on the MIMEL Sites each Submission, without the consent of any third party. However, if and to the extent that any of the information submitted constitutes personal data, you agree that your personal data will be treated as set forth in MIMEL’s Privacy Policy. You are prohibited from posting or transmitting any unlawful, threatening, obscene, libelous or otherwise offensive material on the MIMEL website and MIMEL may in its absolute discretion and without having liability remove from the MIMEL website any such material. To the extent permissible under applicable law, you consent to MIMEL and its affiliates performing any acts or omissions in relation to your Submissions and associated materials that may be inconsistent with any moral rights or other rights with respect to attribution of authorship or integrity of materials regarding each submission.
Remedies for misuse
You agree that any unauthorized use of the MIMEL website or its content may cause MIMEL or its affiliates immediate and irreparable harm for which money damages will not constitute an adequate remedy. You further agree that injunctive relief, in addition to any other remedies available, will be warranted in order to enforce these Terms. You further understand that unauthorized use of the MIMEL website may expose you to civil and criminal liability and that MIMEL may report violations of these Terms to and cooperate fully with the appropriate law enforcement authorities concerning any violations hereof.
Affiliates of MIMEL that may provide investment management services to MIMEL’s segregated mandate accounts, funds under management and/or unaffiliated/third party investors include [Metropolitan Life Insurance Company, MetLife Investment Management, LLC (a U.S. Securities Exchange Commission-registered investment adviser), MetLife Investment Management Limited (authorised and regulated by the UK Financial Conduct Authority (FCA reference number 623761)), MetLife Investments Limited, MetLife Latin America Asesorias e Inversiones Limitada, MetLife Asset Management Corp. (Japan) (a registered Financial Instruments Business Operator ("FIBO") conducting Investment Advisory Business, Investment Management Business and Type II Financial Instruments Business under the registration entry "Director General of the Kanto Local Finance Bureau (Financial Instruments Business Operator) No. 2414" pursuant to the Financial Instruments and Exchange Act of Japan ("FIEA"), and a regular member of the Japan Investment Advisers Association and the Type II Financial Instruments Firms Association of Japan), MetLife Investments Asia Limited (licensed by the Securities and Futures Commission of Hong Kong S.A.R. ("SFC") to carry on Type 1 (dealing in securities), Type 4 (advising on securities) and Type 9 (asset management) regulated activities) and MIM I LLC. Registration with the U.S. Securities Exchange Commission or any other regulatory authority does not imply a certain level of skill or training.]
