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 MetLife Foundation.

1. 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 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, authorize 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 Foundation site, please contact our webmaster. If you are a MetLife Foundation partner 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

   Personal information transmitted to us will be treated in accordance with the MetLife Foundation Privacy Statement.
    

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 authorized to post on or transmit to or from this web site any unlawful, threatening, libelous, 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 without the prior written permission of MetLife.

    

5. Making A Claim of Copyright Infringement

   We respect the intellectual property of others. If you believe your work has been copied and is accessible on the Web Site in a way that infringes your copyright, you may request removal of those materials from the Web Site by submitting written notification to our DMCA agent designated below. For your notice to be valid under the DMCA, it must include substantially the following:

   • Your physical or electronic signature;
   • Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works, a representative list of such works;
   • Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material;
   • Adequate information by which we can contact you (including name, postal address, telephone number, and email address);
   • A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law;
   • A statement that the information in the written notice is accurate; and
   • A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

    

   If you believe material you posted on the Web Site was removed by mistake or misidentification, you may file a counter notification with us by submitting written notification to our DMCA agent designated below. We will restore your removed content if the party filing the original DMCA notice does not file a court action against you within ten business days of receiving the copy of your counter notice. For your counter notice to be valid under the DMCA, it must include substantially the following:

   • Your physical or electronic signature;
   • An identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled;
   • Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address);
   • A statement under penalty of perjury by you that you have a good faith belief that the material identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and
   • A statement that you will consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located and that you will accept service from the person (or an agent of that person) who provided the Web Site with the complaint at issue.

   
   Under the DMCA, if you knowingly, materially misrepresent that material or activity on the Web Site is infringing your copyright or was removed or disabled by mistake or misidentification, you may be held liable for damages, including costs and attorneys' fees.

   
   In accordance with the DMCA and other applicable law, it is our policy in appropriate circumstances to disable and/or terminate the accounts of users who are repeat infringers. We may also at our sole discretion limit access to the services and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

   
   Our designated copyright agent to receive DMCA notices and counter notices is:

   MetLife Copyright Agent
   c/o MetLife Law Dept.
   200 Park Avenue
   New York, NY 10166
   Phone: 1-855-351-6855
   Email: hostmaster@metlife.com

   
   Note that to make a claim of infringement, you will be required to make a declaration, under penalty of perjury, that the information contained in your claim is correct and that you are the Intellectual Property Rights owner or an agent of the owner. If the information you submit is not accurate or complete, we may be unable to process or respond to your request. If you have questions about what intellectual property infringement is, or whether your rights were infringed, consider seeking legal advice.

    

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

   The trademarks, service marks, and logos used and displayed on this Web Site belong to their respective owners. Nothing contained on the web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this web site without the written permission of the trademark owner. Your use of the trademarks displayed on this web site, or any other content on this web site, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by, MetLife Foundation. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by MetLife Foundation. Any unauthorized use of images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

    

7.  Governing Law

   This web site is controlled by us from our offices within the United States of America. Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. The laws of the State of New York will govern the content and materials contained in this web site, without giving effect to any principles of conflicts of laws.

   
   
8. Sending emails to MetLife Foundation

   When submitting requests, forms, and/or any supporting documentation via email, you should be aware that once MetLife Foundation receives the email, the information contained in that email will be protected by MetLife Foundation’s IT security controls, and any email responses you receive from MetLife Foundation will be sent to you securely. Until your email reaches MetLife Foundation, however, MetLife Foundation has no control over, and disclaims all responsibility for, the security of the information you send when it is in transit to us or stored with your email service provider.