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 parts of all of our web sites.
UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES 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 CONTENT IS 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.
2. We Do Not Have Responsibility for Links to Third Party Content
LINKS TO THIRD PARTY WEB SITES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEB SITES 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 web site does not necessarily mean that we endorse, authorise 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 MetLife site, please contact our webmaster. If you are a MetLife group customer and wish to link your web site to this site, please contact your MetLife representatives for instructions.
3. Privacy/Treatment of Information or Data Transmitted to Us
We collect information through technology to enhance our ability to serve you. For example, when you arrive at one of our websites, we may collect your respective IP address. This IP address is associated with the portal which you used to log-in to the Internet, such as your ISP (Internet service provider), company, association or university. It should be noted, however, that your IP address will generally not identify you personally. From time to time, we use these IP addresses to study the frequency of visits to various sections of our website.
4. 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 authorised to post on or transmit to or from this web site any unlawful, threatening, libellous, 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 the prior written permission of MetLife.
5. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web Site
Metropolitan Life Insurance Company is the copyright owner of all text contained on this web site. United Feature Syndicate, Inc. is the copyright owner of all PEANUTS® characters and graphics contained on this web site. METLIFE®, METLIFE ONLINE®, LIFE ADVICE®, have you met life today?® 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 services 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. The name of MetLife, Inc., Metropolitan Life Insurance Company, MetLife or our logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this web site, without prior written permission. You are not authorised to use our logo as a hyperlink to this web site unless you obtain our written permission in advance.
6. All Products and Services May Not be Available in Your Area
The information provided in this site has been provided only in accordance with Australian laws and may not satisfy the laws of other countries. Further the availability of some products and services may be limited to Australian residents only.
7. General Advice Warning
MetLife Insurance Limited (ABN 75 004 274 882 AFSL No. 238096).
This website contains general advice only and does not take into account your individual objectives, financial situation or needs. Before acting on this advice you should assess whether it is appropriate for you. You should also consider the relevant Product Disclosure Statement (PDS) before making any decision about a product detailed on this website.
The information is intended for Australian residents only and does not constitute an offer to non-residents. Any guarantees are provided solely by MetLife Insurance Limited. None of the obligations of MetLife Insurance Limited are guaranteed by MetLife, Inc. (Incorporated in the USA) or any other member of the MetLife group.