Online Privacy Policy

 

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MetLife's Online Privacy Policy discloses how MetLife collects, stores, uses, shares, and protects the information you provide to us online.

The companies in the MetLife, Inc. family (collectively, “MetLife”) recognize the importance of protecting all information that you, our online visitor, may choose to provide to us. To further this commitment, we have adopted this Online Privacy Policy to tell you how we collect, store, use, share and protect the information you provide to us online. Besides this Online Privacy Policy, we also have other more general privacy policies that may apply to you as a MetLife consumer or customer. For more information about all our privacy policies, please visit us at www.metlife.com/about-us/privacy-policy/.

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MetLife, Inc. and its U.S. affiliates (“MetLife”, “we”, “our”) strongly believe in the responsible use of personal information we collect from you and recognize the importance of protecting all information that you, our online visitor, may choose to provide to us.

This Online Privacy Policy describes MetLife and its U.S affiliates (other than MetLife Investment Management, LLC, whose privacy policies are available here) privacy practices and is intended to explain how we collect, use, share, retain and protect personal information provided to us when you visit our websites and use our online services, and describes the privacy choices available to you.

This Online Privacy Policy applies to personal information collected from you on our websites or through online applications (“Sites”) with a link to this Online Privacy Policy and does not apply to information collected by MetLife through any other means. For example, we collect personal information from you when you:

  • Apply for or obtain a MetLife product or service
  • Register and login to access your policy, account, or claim information
  • Ask to have a MetLife representative contact you
  • Ask to receive information about products, services or providers
  • Participate in any MetLife promotion or survey, and/or
  • Request customer or technical support

This Online Privacy Policy only applies to Sites that support MetLife’s U.S. domestic operations and that are intended for use by residents of the U.S. It does not apply to websites maintained by other companies or organizations to which we link. MetLife is, therefore, not responsible for the content or activities provided on those websites.

We also have other privacy policies that may apply to you as a MetLife consumer or customer. For more information about all of our privacy policies, please visit us at www.metlife.com/about-us/privacy-policy/.

Personal information is information that identifies or reasonably can be used to identify you. We collect personal information given to us by visitors of our Sites. Generally, we do not require you to give us personal information to access public areas of our website. Certain secure web areas, however, enable or require you to provide personal information to use specific features on our website or to access certain services. When using our Sites we may collect and use the following types of personal information:

  • Your name, postal address, date of birth, gender, unique personal identifier, user login id and password, email address, telephone number, Social Security number or other similar identifiers.
  • Policy or account number, bank account number, credit card number, debit card number, or any other financial information.
  • Medical, vision, dental information or related claims and insurance information.
  • Internet Protocol (IP) address, browsing history, search history, interactions with web sites, applications, or advertisements.
  • Communications with you.
  • Additionally, we may also collect other types of information like your occupation, hobbies, and other preferences.

Children

Our sites are not directed at nor intended for children under the age of 13. We don't knowingly collect personal information from children under 13.

Information We Collect Through Technology

We collect information through technology to enhance our ability to serve you. For example, when you come to one of our Sites, we collect your IP address. An IP address is often associated with the portal you used to enter the Internet, like your ISP (Internet service provider), company, association, or university. At times, we also use IP addresses to study the frequency that our visitors visit various areas of our websites. We may combine this information with personal information. Finally, our websites do not respond to browser Do Not Track signals or other similar mechanisms.

Cookies and Web Beacons

Our websites also use cookies and web beacons to collect and store information.

Cookies are pieces of information that a website sends to your computer while you are viewing the website. We use cookies for a variety of purposes. For example, when you return to one of our websites after logging in, cookies provide information to the website so that the website will remember who you are. You can choose to have your computer warn you each time a cookie is sent, or you can choose to turn off all cookies. You can do this through your browser (e.g., Chrome or Internet Explorer) settings. Each browser is a little different, so look at your browser Help menu to learn the correct way to modify your cookies. If you turn cookies off, you won't have access to many features that make your web experience smoother, and some of our services may not function properly.

Web beacons are small pieces of data that are embedded in images on the pages of websites and in our email communications. We also use these web beacons to analyze the traffic patterns, such as the frequency users visit various areas of our websites. These technical methods may involve transmitting information either directly to us or to another entity authorized by us to collect information on our behalf. We also use web beacons in HTML e-mails that we send our visitors to determine whether our visitors have opened those e-mails or clicked on links in those e-mails.

Network Advertisers. Advertisements managed by third parties may be placed on our websites. These companies are called 'network advertisers. Network advertisers placing advertisements on our websites may also use cookies and web beacons to collect information when you click on or move your cursor over one of their banner advertisements. You may not realize this information is being collected. In some cases, we may have access to information from web beacons and cookies used by network advertisers on our sites, and this information may permit us to identify other sites that you have visited that are also associated with the network advertiser.

For more information about our ad service provider and its cookies, including information about how to opt out of these technologies, go to https://www.google.com/intl/en/policies/privacy/ and https://www.aboutads.info/consumers.

Finally, once you've clicked on an advertisement and have left our websites, our Online Privacy Policy no longer applies, and you must read the privacy policy of the advertiser to see how your personal information will be handled on their website.

We will only collect, use and share your personal information to the extent reasonably necessary to fulfill your requests, as described in this Online Privacy Policy and for legitimate business purposes.

For example, we use and share your personal information to:

  • Process an application for our products and administer your policy, account, transaction or claims information
  • Authenticate your identity to enable online registration and access to your policy, account or claims information
  • Respond to your product or service information requests
  • Provide you with information that may be of interest, including newsletters, company information, marketing materials, advertisements, promotions, or surveys
  • Manage your preferences or privacy choices
  • Provide you with online technical support
  • For other everyday business purposes, such as product development and website administration
  • Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity
  • Debugging to identify and repair errors that impair existing intended functionality of our Sites

How we Share Your Personal Information

MetLife may share personal information with its affiliates, third-parties, and service providers that we work with. We will only share personal information to help us provide a product or service to you or for everyday business purposes. We don’t share personal information with unaffiliated third parties, including for their own direct marketing purposes.

Purchase or Sale of Businesses

From time to time, we may purchase a business or sell one or more of our businesses and your personal information may be transferred as a part of the purchase or sale. If we purchase a business, the personal information received with that business would be treated in accordance with all our privacy policies, including this Online Privacy Policy, if it is practicable and permissible to do so. If we sell a business, we will include provisions in the selling contract requiring the purchaser to treat your personal information in the same way required by our privacy policies. The provisions of this paragraph will also apply if we are sold as part of bankruptcy proceedings.

Disclosures Required by Law and Disclosures to Help Protect the Security and Safety of Our Websites and Others

We may disclose any information as permitted or required by law, when we believe in good faith it is necessary for safety purposes, required for legal reporting, or to protect our legal rights or enforce our Terms of Use or any contest rules. We may also disclose information about you to our auditors, regulators, legal advisors, or to respond to a subpoena.

If you signed up to receive newsletters or other e-mail messages from us, you can opt-out any time by clicking the unsubscribe link at the bottom of the message. 

If you are a MetLife customer you may tell us not to share your personal information with our affiliates – or unaffiliated business partners as part of a joint marketing arrangement – for marketing purposes at www.metlife.com/optout.

MetLife's Global Record Retention Schedule establishes the retention periods for our records consistent with MetLife business needs and global legal and regulatory requirements. MetLife, consequently, will retain personal information only for as long as is necessary for the purpose set out in our policies, for as long as an account or relationship with MetLife is active, as needed to provide services to our customers, or to comply with our Global Record Retention Schedule.

The security and confidentiality of your personal information is extremely important to us. That’s why we have technical, administrative, and physical security measures and safeguards in place to protect your personal information from unauthorized access and improper use.

For example, the areas of our website that enable or require you to submit personal information online use encryption to protect that information. We also review our security procedures periodically to consider appropriate new technology and updated methods. But, despite our reasonable efforts, no security measure is ever perfect or impenetrable.

You can contact your agent or employer directly or login into your account to update your personal information. You can also use our online resources page to submit any changes to your contact information.

We may change this Online Privacy Policy from time to time. When we do, we will let you know by posting the revised Online Privacy Policy with a new “Last Updated” date. Any changes to this Online Privacy Policy will become effective when posted unless indicated otherwise.

If you have questions or wish to send us comments about this Online Privacy Policy, e-mail us at privacy@metlife.com or call or write to us at:

MetLife, Inc.
Attn.: Privacy Policy Administrator
P.O. Box 489
Warwick, RI 02887-9954
(877) 638-7684
You can also contact us through our form.