Defined Terms

AS USED HEREIN, THE TERMS “YOU” AND “USER” SHALL MEAN ANY VISITOR TO THE WEBSITE. For the purposes of this Agreement, the “Website” shall mean the Website that MetLife Investment Management (“MIM”), MetLife, Inc.’s (“MetLife”) institutional investment management business, makes available to the general public and that is located at https://www.metlife.com/investments/ and select other domains.

The content of the following pages is provided solely for professional investors (or equivalent category of investor under applicable laws and regulations) unless otherwise specified.

Conditions of Use

By using this Website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this Website. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound. You should not use this Website if you do not consent to the Terms of Use. By continuing to use the Website, you then consent to be bound by the terms.

You are strictly prohibited from unauthorized use of our systems or this Website, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted to this Website.

In the event any provision of these Terms and Conditions is deemed unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by an enforceable term or provision that comes closest to the intention underlying the unenforceable term or provision.

We will try to make our Website available but cannot guarantee that our Website will operate continuously or without interruptions or will be error free and can accept no liability for its unavailability. You must not attempt to interfere with the proper working of the Website and, in particular, you must not attempt to circumvent security, tamper with, hack into, or otherwise disrupt any computer system, server, website router or any other internet connected device.

Disclaimer

To the fullest extent permissible pursuant to applicable law, the materials on this Website are provided “as is” and without warranties of any kind either express or implied and MIM and its subsidiaries, affiliates and agents disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. MIM does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server that makes it available are free of viruses or other harmful components. MIM does not warrant or make any representations regarding the use or the results of the use of the materials on this Website in terms of their correctness, accuracy, reliability, or otherwise. MIM makes no warranty whatsoever to you express or implied, regarding the security of the Website, including with respect to the ability of unauthorized persons to intercept or access information transmitted by you through this service. You (and not MIM) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement.

Some of other websites or pages within this Website contain supplemental terms and conditions and additional disclosures and disclaimers, which are in addition to these terms and conditions, disclosures and disclaimers. In the event of a conflict, the supplemental terms and conditions and additional disclosures and disclaimers will govern for those sections or pages.

This Website may be linked to other websites which are not maintained by MIM. MIM is not responsible for the content of those websites. If you choose to link to a website MIM does not control, MIM makes no warranties, either express or implied, concerning your use of or inability to use such site, the content of such site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor does MIM warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. We assume no responsibility for the accuracy of the information and no liability for errors or omissions by third parties. MIM does not guarantee the authenticity of documents on the internet. The inclusion of any link to such websites does not imply approval of or endorsement by MIM of the websites or the content thereof.

You agree that (i) you will not engage in any activities related to this Website that are contrary to applicable law, regulation or the terms of any agreements you have with us, and (ii) in circumstances where locations of this Website require identification for access, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals, (iii) you will not use this Website in any manner that could damage or overburden any MIM server, or any network connected to any MIM server, as all servers have limited capacity and are used by many people, (iv) you will not use this Website in any manner that would interfere with another party’s use of the Website, and (v) you will not use of this Website in any manner that could create an impression of affiliation, sponsorship or endorsement by MIM. You agree that you will not use any robot, spider, other automatic device or manual process to monitor or copy our web pages, data or the content contained herein or for any other unauthorized purpose without our prior express written permission.

MIM OR OUR SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY OR, IF NO DATE IS STATED, THE DATE OF FIRST POSTING. MIM DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY INFORMATION ON THIS WEBSITE. MIM RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO YOU. FURTHERMORE, NO DISTRIBUTION OR SOLICITATION IS MADE BY MIM TO ANY PERSON TO USE THIS WEBSITE OR THE INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.

These Terms are governed by and construed in accordance with the laws applicable to the relevant Website or service. Nothing in these Terms excludes, restricts or modifies any rights or remedies that cannot be excluded, restricted or modified under applicable law.

Limitation of Liability

While MIM uses reasonable efforts to include accurate and up-to-date information on this Website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, MIM makes no warranties or representations as to the accuracy of the content of this Website (or any websites linked to or from it) and under no circumstances, including, but not limited to, negligence, shall MIM or any party involved in creating, producing, or delivering the Website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Website, even if MIM or a MIM authorized representative has been advised of the possibility of such damages. Subject to any liability that cannot be excluded or limited by applicable law, MIM’s total liability to you for all damages, losses, and causes of action arising out of or in connection with the Website will not exceed the amount paid by you, if any, for accessing this Website.

Jurisdictional Issues 

Unless otherwise expressly set forth herein, MIM makes no representation that materials on this Website are appropriate or available for use in any location. Those who choose to access this Website do so on their own initiative and are responsible for compliance with local laws. 

Except as expressly set forth herein, the information contained on this Website is not an offer to sell or a solicitation to buy any security, or other product or service by MIM. No security, or other product or service is offered or will be sold by MIM or, if sold by MIM, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions. 

To the fullest extent permissible pursuant to applicable law, any claim under these Terms of Use must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred.

Ownership of Information

Any information, other than personal data or information, you transmit to MIM via this Website, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of MIM. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. MIM is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to MIM via this Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Please refer to the Privacy Policy for further information.

You acknowledge that MIM may disclose and transfer any information, other than personal data or information, that you provide through this Website to (i) any company within the MIM group or its agents; (ii) to any other person or entity with your consent; or (iii) if MIM has a right or duty to disclose or is permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as MIM deems necessary or appropriate, and by using and providing information through this Website you agree to such transfers.

Use of this Website may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording. You are responsible for being familiar with the current version of these Terms and Conditions posted on the Website during each session.

The Website is protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in the Website, including any text, graphics, video, audio, software code, user interface design or logos.

All trademarks and service marks on the Website belong to MIM or an affiliate, except third-party trademarks and service marks, which are the property of their respective owners.

Software Licenses

You acknowledge that any software which may be available or provided to you on this Website may contain technology that is subject to strict controls pursuant to export control laws and regulations of applicable jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. MIM does not authorize the downloading or exportation of any software or technical data from this Website to any jurisdiction prohibited by such export control laws and regulations.

Remedies for misuse

You agree that any unauthorized use of the Website or its content may cause MIM 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 Website may expose you to civil and criminal liability and that MIM may report violations of these Terms to and cooperate fully with the appropriate law enforcement authorities concerning any violations hereof.

Third Party Content and Research

The 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 MIM ("Third Party Content"). On the 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 websites, or is simply published on the Website. 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.

MIM 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 MIM makes every attempt to provide accurate and timely information to serve the needs of users, neither MIM 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 MIM and the Third Party Content providers specifically disclaim any responsibility for Third Party Content available on the Website. 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.

Benchmark Disclaimers

Bloomberg Index Services Limited. Bloomberg ® is a trademark and service mark of Bloomberg Finance L.P. and its affiliates (collectively “Bloomberg”). BARCLAYS® is a trademark and service mark of Barclays Bank plc (collectively with its affiliates, “Barclays”), used under license. Bloomberg or Bloomberg’s licensors, including Barclays, own all proprietary rights in the Bloomberg Barclays indices. Neither Bloomberg, nor Barclays approves or endorses this material, or guarantees the accuracy or completeness of any information herein, or makes any warranty, express or implied, as to the results to be obtained therefrom and, to the maximum extent allowed by law, neither shall have any liability or responsibility for injury or damages arising in connection therewith.

London Stock Exchange Group plc and its group undertakings (collectively, the “LSE Group”). © LSE Group 2020. FTSE Russell is a trading name of certain of the LSE Group companies. “FTSE®” is a trade mark of the relevant LSE Group companies and is used by any other LSE Group company under license. All rights in the FTSE Russell indexes or data vest in the relevant LSE Group company which owns the index or the data. Neither LSE Group nor its licensors accept any liability for any errors or omissions in the indexes or data and no party may rely on any indexes or data contained in this communication. No further distribution of data from the LSE Group is permitted without the relevant LSE Group company’s express written consent. The LSE Group does not promote, sponsor or endorse the content of this communication.

Information has been obtained from sources believed to be reliable but J.P. Morgan does not warrant its completeness or accuracy. The Index is used with permission. The Index may not be copied, used, or distributed without Morgan’s prior written approval.

Neither Markit, its affiliates nor any third party data provider makes any warranty, express or implied, as to the accuracy, completeness or timeliness of the data contained herewith nor as to the results to be obtained by recipients of the data. Neither Markit, its affiliates nor any data provider shall in any way be liable to any recipient of the data for any inaccuracies, errors or omissions in the Markit data, regardless of cause, or for any damages (whether direct or indirect) resulting therefrom. Markit has no obligation to update, modify or amend the data or to otherwise notify a recipient thereof in the event that any matter stated herein changes or subsequently becomes inaccurate. Without limiting the foregoing, Markit, its affiliates, or any third party data provider shall have no liability whatsoever to you, whether in contract (including under an indemnity), in tort (including negligence), under a warranty, under a statute or otherwise, in respect of any loss or damage suffered by you as a result of or in connection with any opinions, recommendations, forecasts, judgments, or any other conclusions, or any course of action determined, by you or any third party, whether or not based on the content, information or materials contained herein.

Data provided “AS IS” without warranty or liability. No copying or distribution is permitted. MSCI does not make any representation regarding the advisability of any investment and does not sponsor, promote, issue, sell or otherwise recommend or endorse any investment, including any financial products based on, tracking or otherwise utilizing any MSCI data, models, analytics or other materials or information.

The Standard & Poor's 500 Total Return Net is a product of S&P Dow Jones Indices LLC and/or its affiliates and has been licensed for use by MIM Investments. The MIM funds identified on the Website are not sponsored, endorsed, sold or promoted by S&P Dow Jones Indices LLC and S&P Dow Jones Indices LLC makes no representation regarding the advisability of investing in the MIM funds presented on the Website.

Language

These Terms of Use may be made available in multiple languages. In the event of any inconsistency or conflict between the English version and any translated version, the English version shall prevail to the fullest extent permissible pursuant to applicable law.