By accessing this website you agree to comply with these Terms & Conditions. You should review these terms and conditions regularly as they may change at any time at our sole discretion.

"We/Us/Our/MetLife" means MetLife Insurance Limited, or any other member of the global MetLife group.

These Terms & Conditions are in addition to, and do not replace, any distribution agreement, master procurement agreement, product terms, disclosure document, privacy policy, data processing agreement, guide or any other agreement, notice or policy that applies to your dealings with MetLife. To the extent of any inconsistency, the more specific document will prevail to the extent of the inconsistency.

1. Eligibility and Permitted Users

This website is intended for use only by persons located in Australia who are:

(a) financial advisers appropriately authorised under an Australian financial services licence;
(b) employees, contractors, representatives or support staff of an Australian financial services licensee or authorised representative; or
(c) any other person expressly approved by MetLife to use the website.

Certain secure functions of the website may only be accessed by users who hold current MetLife-issued access credentials, adviser codes, registration approvals, or other permissions required by MetLife from time to time. You must not access or use the website if you are not an authorised user, if your authority has ceased or been suspended, or if your use of the website would breach any law, licence condition, contractual restriction or professional obligation.

2. Liability

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 PURPOSE.

3. We Do Not Have Responsibility for Links to Third Party Content

ANY 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. If we provide a link to a third party web site, this does not necessarily mean that we endorse, authorise or sponsor the web site, nor that we are necessarily affiliated with the third party web site's owners or sponsors. If you wish to link to any MetLife site, please contact the webmaster.

4. Privacy/Handling of Personal Information or Data Transmitted to Us

Personal information transmitted to us will be treated in accordance with MetLife's Privacy Policy. We may collect information through technology in order to enhance our ability to serve you. For example, when you arrive at one of our web sites, 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 web site. You acknowledge that MetLife may collect technical, device, access, usage, security, transactional and behavioural information arising from your use of this website for authentication, fraud prevention, cyber security, compliance, service administration, analytics, systems enhancement, audit and other legitimate business purposes. You must not upload, disclose or otherwise provide personal information or confidential information through this website unless you are authorised to do so and have complied with all applicable consent, privacy, secrecy, confidentiality and data-handling obligations. You must take reasonable steps to protect all personal information and confidential information accessed through this website from misuse, interference, loss, unauthorised access, modification or disclosure.

5. Proprietary Rights & Restricted Use

This web site's content is copyrighted and protected by intellectual property and other laws. 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.

6. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web Site

MetLife is the copyright owner of all content contained on this web site. METLIFE®, METLIFE ONLINE®, LIFE ADVICE®, have you met life today?® and other trademarks and service marks of MetLife are owned by the MetLife group and licensed for use to MetLife. 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 MetLife’s logos as a hyperlink to this web site unless you obtain our prior written permission.

7. All Products and Services May Not be Available in Your Area

The information provided in this site is 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.

8. Adviser Use of Website and Platform

This section applies to financial advisers, their authorised representatives, and any persons accessing or using this website or any associated MetLife platform or portal in connection with the provision of financial services to customers. The reference to Adviser in this clause shall be to each of those individuals and the Licensee shall be responsible for their conduct.

(a) Prohibition on Changing Customer Contact Information. An Adviser must not alter, substitute, redirect, or otherwise change any customer’s contact information (including but not limited to postal address, email address, telephone number, or other contact details) held on this website or any MetLife platform to the Adviser’s own contact details or to any contact details other than the customer’s verified personal contact information. Any such change must be made only at the express written direction of the relevant customer and in accordance with MetLife’s applicable policies and procedures. An Adviser who becomes aware of any unauthorised change to customer contact information must notify MetLife immediately.

(b) Data Integrity and Accuracy. An Adviser must ensure that all information submitted, entered, or modified on this website or any MetLife platform in respect of a customer is true, accurate, complete, and up to date. An Adviser must not enter false, misleading, or inaccurate information, and must not make any changes to customer records except as properly authorised by the relevant customer and permitted by applicable law.

(c) Security and Access Credentials. An Adviser is responsible for maintaining the confidentiality and security of any login credentials, passwords, or access tokens issued to the Adviser for use on this website or any MetLife platform. An Adviser must not share, disclose, or permit the use of their access credentials by any unauthorised person. The Adviser must notify MetLife immediately if they become aware of any actual or suspected unauthorised access to, or use of, their credentials or any MetLife platform.

(d) Acceptable Use. An Adviser must use this website and any MetLife platform solely for the purposes for which access has been granted, including the provision of financial services to customers and the management of insurance policies. An Adviser must not use this website or any MetLife platform for any purpose that is unlawful, fraudulent, or that may cause damage, disruption, or impairment to MetLife’s systems or services. An Adviser must comply with all applicable laws, regulations, and industry codes of conduct, including the Corporations Act 2001 (Cth), the Privacy Act 1988 (Cth), and any conditions imposed by the Australian Securities and Investments Commission or the Australian Prudential Regulation Authority.

(e) Delegates, Staff and User Management. Where MetLife permits delegate access, the primary adviser, relevant licensee or nominated account administrator is responsible for ensuring that each additional user is properly authorised, appropriately trained, and granted only the access reasonably necessary for that person’s role. An Adviser must ensure that delegated users, support staff and administrators comply with these Terms & Conditions and any applicable guidance issued by MetLife. An Adviser remains responsible for all acts and omissions of any person who accesses or uses the website under their account, authority, entity or supervision. An Adviser must promptly remove, restrict or update user access where a person changes role, no longer requires access, ceases to be authorised, leaves their business, or where continued access creates a security, privacy or compliance risk.

(f) Confidentiality. An Adviser must treat all customer information, MetLife proprietary information, and any other confidential information accessed through this website or any MetLife platform as strictly confidential. An Adviser must not use, disclose, or permit the disclosure of any such information except as necessary for the provision of financial services to the relevant customer, as required by law, or as otherwise authorised by MetLife in writing.

(g) Client Information, Authority and Instructions. Where an Adviser uploads, inputs, accesses, amends or otherwise manages any client or prospective client information, the Adviser warrants that they have obtained all necessary authorities, consents, permissions and instructions required by law and by their professional and contractual obligations. MetLife may rely on information and instructions submitted through the website, including those submitted through an authorised account or delegate access profile, unless MetLife has actual notice that reliance is not appropriate.

(h) Suspension and Termination of Access. MetLife reserves the right to suspend or terminate an Adviser’s access to this website or any MetLife platform at any time, without prior notice, if MetLife reasonably suspects that the Adviser has breached any of these Terms & Conditions, has engaged in conduct that is fraudulent, unlawful, or otherwise detrimental to MetLife or its customers, or for any other reason at MetLife’s sole discretion. Suspension or termination of access does not limit or waive any other rights or remedies available to MetLife at law or in equity.

(i) Legal and Regulatory Compliance. An Adviser is solely responsible for ensuring that their access to and use of this website or any MetLife platform, and any advice, instructions, communications, submissions or transactions made through it, comply with all applicable laws, licence conditions, regulatory requirements, codes, standards and professional obligations. This includes obligations relating to financial services, disclosure, design and distribution, anti-money laundering and counter-terrorism financing, sanctions, privacy, confidentiality, cyber security, electronic transactions, consumer laws, record keeping and client authority requirements. If an Adviser uses the website on behalf of a licensee, authorised representative, corporate authorised representative or other business, the Adviser represents and warrants that they have authority to do so and to bind that entity in relation to their use of the website.

9. General Advice Warning

Any advice contained in this web site is general advice only, as it does not take into account your personal financial situation, objectives or needs. Before deciding whether to acquire, or continuing to hold, any of our products, please seek appropriate independent financial advice to assess whether it is suitable for you. You should also consider the relevant Product Disclosure Statement and any applicable Target Market Determination before making any decision. You remain responsible for determining the appropriateness of any product, strategy or course of action for your client, and for considering all relevant disclosure documents, policy terms, underwriting requirements, target market determinations and applicable regulatory obligations before making or implementing any recommendation or transaction. The information in this web site is intended for Australian residents only, and does not constitute an offer to non-residents. Any guarantees are provided by MetLife Insurance Limited in Australia. None of the obligations of MetLife in this web site are guaranteed by MetLife, Inc. (incorporated in the United States), or by any other member of the global MetLife group. Indicative quotes, pre-assessments, projections, calculators, modelling tools and similar functionality are provided for information purposes only, may be based on assumptions or incomplete data, and do not constitute a binding offer, acceptance, approval or guarantee from MetLife. Not all products, services, portal functions, reports, integrations or processes described on this website will be available at all times, through all channels, to all advisers or for all customers.

10. Indemnification

You agree to indemnify, defend, and hold harmless MetLife, its officers, directors, employees, agents, and affiliates from and against any and all claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with your use of this website or any MetLife platform, your breach of these Terms & Conditions, or any violation of applicable law. If you are an Adviser, this indemnity extends to any claims arising from your handling of customer information, any unauthorised changes to customer records, and any breach of your obligations under section 8 of these Terms & Conditions. This indemnity survives termination of these Terms & Conditions and your access to this website.

11. Electronic Delivery and Records

To the extent permitted by law, you consent to receiving policy, operational, regulatory, service and system-related documents and notices electronically, including through this website or by links sent to your nominated contact details. You are responsible for ensuring that your contact details are current, your inboxes and systems can receive communications from MetLife, and that you regularly monitor your nominated email address and this website for notices and updates. Electronic records maintained by MetLife, including access logs, submission records, activity timestamps, records of changes, and communications sent through or in connection with this website, will be prima facie evidence of those matters unless shown to be manifestly incorrect.

12. Monitoring, Audit and Investigations

MetLife may monitor use of this website and may review, log, record, analyse and retain user activity, account access, submission history, data changes, communications and system interactions to administer the website, investigate incidents and support compliance, security and operational functions. You must provide reasonable assistance, information and documentation requested by MetLife to verify user identity, client authority, account activity, data changes, submissions, instructions, security incidents, complaints or suspected misuse of this website.

13. Availability, Maintenance and System Changes

MetLife does not guarantee that this website will be continuously available, uninterrupted, secure, error-free, compatible with your systems or free from delays, omissions, corruption, loss of data or harmful components. Access to this website may be affected by maintenance, upgrades, outages, congestion, cyber security events, telecommunications failures, third-party dependencies, force majeure events or other matters beyond MetLife’s control. MetLife may at any time modify, suspend, withdraw, replace or discontinue any part of this website, any feature, service, integration, report, support process or access method without liability to you.

14. Governing Law and Jurisdiction

These Terms & Conditions are governed by and construed in accordance with the laws of New South Wales, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of New South Wales and any courts of appeal therefrom in respect of any proceedings arising out of or in connection with these Terms & Conditions or the use of this website.

15. No Waiver

A failure or delay by MetLife to exercise any right, power or remedy under these Terms & Conditions does not operate as a waiver. A single or partial exercise of any right, power or remedy does not preclude any other or further exercise of that or any other right, power or remedy.

16. Severability

If any provision of these Terms & Conditions is held to be invalid, illegal or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect to the maximum extent permitted by law.

17. Assignment

You must not assign, novate, transfer or otherwise deal with your rights or obligations under these Terms & Conditions without MetLife’s prior written consent. MetLife may assign, novate, delegate or subcontract any of its rights or obligations in connection with this website at any time, to the extent permitted by law.

18. Amendments

MetLife may amend these Terms & Conditions at any time by publishing updated Terms & Conditions on this website or otherwise notifying you electronically. The amended Terms & Conditions take effect from the date specified by MetLife or, if no date is specified, from the date of publication. Your continued access to or use of this website after amended Terms & Conditions take effect constitutes acceptance of those amended Terms & Conditions.