Terms of Use

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Terms Of Use

Terms of Use and your acceptance of them. Read before continuing.

MetLife, Inc. ("MetLife") 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 MetLife. By using or accessing the MetLife Investment Management ("MIM") website, you accept and agree to be bound by these Terms. Your use of the MIM website is governed by the version of the Terms in effect on the date the MIM 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 MIM 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 MetLife, including any customer or account agreements, and any other agreements that govern your use of information, content and tools available on and through the MIM website.

The MIM website is not directed to and may not be used by any person in any jurisdiction where the direction or use of the MIM website is prohibited or would be contrary to any applicable laws or regulations. As a condition of your use of the MIM website, you warrant that you will not use the MIM website for any purpose that is prohibited by these Terms or is in violation of any applicable laws and regulations.

Use of the MIM website

The MIM website is intended only for your personal, non-commercial use, unless you and MetLife have agreed otherwise in writing.

MetLife companies

MetLife, Inc. provides investment management services to affiliates and third party investors through various subsidiaries.' Some of these subsidiaries are financial services companies, that may be licensed or registered under US 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 is marked and labeled as such. MetLife makes reasonable efforts to provide accurate content on the MIM website, but at times MetLife may not promptly update or correct the MIM website even if it is aware that it is inaccurate, outdated or otherwise inappropriate. MetLife 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 MIM website is not intended to provide legal, tax, investment or insurance advice. Nothing on the MIM website should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by MetLife 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 MIM website is protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in the MIM website, including any text, graphics, video, audio, software code, user interface design or logos.

All trademarks and service marks on the MIM 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 MIM 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 MIM 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.

MetLife 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 MetLife makes every attempt to provide accurate and timely information to serve the needs of users, neither MetLife 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 MetLife 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 MIM 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 MIM website in any manner that would damage or overburden any MetLife server, or any network connected to any MetLife server. Do not use the MIM website in any manner that would interfere with any other party's use of the MIM website.

Password security and notification

Certain parts of the MIM 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 MIM website, or to any other protected materials or information, through any means not intentionally made available by MetLife for your specific use.

If you have a password for access to non-public areas of the MIM 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. MetLife shall not be under any duty to inquire as to the authority or propriety of any instructions given to MetLife by you or via your password and shall be entitled to act upon any such instructions and MetLife 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 MetLife. You agree to notify MetLife immediately if you become aware of any unauthorized activity, disclosure, loss, theft or unauthorized use of your password. You agree to cooperate with MetLife in any investigation and agree to take corrective measures to protect your account from further fraudulent activity.

DISCLAIMER OF WARRANTIES

  • METLIFE DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE MIM WEBSITE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE MIM WEBSITE IS MADE AVAILABLE TO YOU "AS IS" AND "AS AVAILABLE" AND METLIFE DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED.
  • METLIFE DOES NOT WARRANT THAT THE MIM WEBSITE WILL MEET YOUR NEEDS, OR THAT IT WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. METLIFE ALSO MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE MIM WEBSITE WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE MIM WEBSITE WILL MEET YOUR NEEDS.

LIMITATION OF LIABILITY

  • METLIFE 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 MIM WEBSITE AND THIRD PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF METLIFE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
  • METLIFE WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH SUCH METLIFE 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 MIM 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 MIM website, you agree to indemnify and hold MetLife and its Third Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys' fees) arising from your use of the MIM website, or from your violation of these Terms.

Changes to MIM website

Unless otherwise agreed, MetLife may discontinue or modify the MIM website at any time without prior notice to you, and you accept those modifications if you continue to use the MIM website.

Termination

MetLife may terminate your access to the MIM website for any reason, without prior notice.

No reliance on any forward-looking information

 The MIM 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 MetLife’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. MetLife 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 MetLife will be treated in accordance with MetLife’s Privacy Policy.

When you visit the MIM 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 MIM website and to improve the security of the MIM website and its service by assisting in authenticating who you are when you access the MIM 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 MetLife 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 MIM website

The MIM website may, now or in the future, contain functionality or features that permit submissions to MetLife.  Any suggestion, material, information or idea or intellectual property communicated by you to MetLife through the MIM website or posted on the MIM website (a “Submission”) will be considered non-confidential and non-proprietary, unless and to the extent that MetLife specifically agrees in writing to separate terms and conditions at the time of the submission.  Each Submission will become the property of MetLife upon communication to MetLife.  If for any reason the preceding sentence does not result in MetLife owning any of the Submissions, you grant to MetLife 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 MetLife that you have the right to communicate to MetLife or post on the MetLife 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 MetLife’s Privacy Policy.  You are prohibited from posting or transmitting any unlawful, threatening, obscene, libelous or otherwise offensive material on the MIM website and MetLife may in its absolute discretion and without having liability remove from the MIM website any such material.  To the extent permissible under applicable law, you consent to MetLife 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 MIM website or its content may cause MetLife 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 MIM website may expose you to civil and criminal liability and that MetLife may report violations of these Terms to and cooperate fully with the appropriate law enforcement authorities concerning any violations hereof.

Subsidiaries of MetLife, Inc. that provide investment management services to MetLife’s general account, separate accounts 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.