Legal Notices

Terms of Use and your acceptance of them. Read before continuing.

MetLife, Inc. (“MetLife”) is pleased to provide you with the information, content and tools on this website. These Terms of Use also include some important disclosures and information related to certain products and services. Your use of this website is subject to these Terms of Use (“Terms”). 

These Terms are a binding agreement between you and MetLife. By using or accessing the MetLife Investments website, you accept and agree to be bound by these Terms. Your use of the MetLife Investments website is governed by the version of the Terms in effect on the date the MetLife Investments website is accessed by you. MetLife may modify these Terms at any time and without prior notice. You should review the most current version of these Terms by visiting the MetLife Investments website and clicking on the Legal Notices hyperlink located at the bottom of the page. These Terms are in addition to any other agreements between you and MetLife, including any customer or account agreements, and any other agreements that govern your use of information, content and tools available on and through the MetLife Investments website.

Use of the MetLife Investments website 

The MetLife Investments website is intended only for your personal, non-commercial use, unless you and MetLife have agreed otherwise in writing.

MetLife companies

MetLife, Inc. provides investment management services to affiliates and third party investors through various subsidiaries.1 Some of these subsidiaries are financial services companies, that may be registered under federal, state or international laws, and others are not regulated as such. MetLife Investment Management (“MIM”) is MetLife’s institutional investment management business.

Content produced by MetLife is marked and labeled as such. MetLife makes reasonable efforts to provide accurate content on the MetLife Investments website, but at times MetLife may not promptly update or correct the MetLife Investments website even if it is aware that it is inaccurate, outdated or otherwise inappropriate. MetLife selected and published content is not intended to provide tax, legal, insurance or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by any MetLife entity or any third party.

Limitations on investment guidance and professional advice

The MetLife Investments website is not intended to provide legal, tax, investment or insurance advice. Nothing on the MetLife Investments website should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by MetLife or any third party. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or tax professional regarding your specific situation.

Copyright policy and trademarks

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

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

Third party content and research 

The MetLife Investments 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 MetLife (“Third Party Content”). On the MetLife Investments 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 web sites, or is simply published on the site. The Third Party Content is protected by copyright pursuant to United States laws and international treaties and is owned or licensed by the Third Party Content provider(s) credited.

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

Timeliness of content

All content on the MetLife Investments website is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

Prohibited uses 

Because all servers have limited capacity and are used by many people, do not use the MetLife Investments website in any manner that could damage or overburden any MetLife server, or any network connected to any MetLife server. Do not use the MetLife Investments website in any manner that would interfere with any other party’s use of the MetLife Investments website.

Password security and notification 

Certain parts of the MetLife Investments website may be protected by passwords or require a login. You may not obtain or attempt to obtain unauthorized access to such parts of the MetLife Investments website, or to any other protected materials or information, through any means not intentionally made available by MetLife for your specific use.

If you have a password for access to non-public areas of the MetLife Investments website, you are solely responsible for maintaining the confidentiality and use of the password and other security data, methods and devices. Further, you are responsible for all activities that occur in connection with your password including all instructions electronically transmitted or use of any data, information or services obtained using your password and other security data. MetLife shall not be under any duty to inquire as to the authority or propriety of any instructions given to MetLife by you or via your password and shall be entitled to act upon any such instructions and MetLife will not be liable for any loss, cost, expense or other liability arising out of any such instructions. Accordingly, you should take steps to protect the confidentiality of your password. As an authorized user you accept full responsibility for the monitoring of your account including frequently checking your account information, reviewing your transaction history online and promptly reviewing any correspondence, account statements and confirmations received from MetLife. Notify MetLife immediately if you become aware of any unauthorized activity, disclosure, loss, theft or unauthorized use of your password. You agree to cooperate with MetLife in any investigation and agree to take corrective measures to protect your account from further fraudulent activity.

DISCLAIMER OF WARRANTIES

  • METLIFE DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE METLIFE INVESTMENTS WEBSITE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE METLIFE INVESTMENTS WEBSITE IS MADE AVAILABLE TO YOU “AS IS” AND “AS AVAILABLE” AND METLFIE DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED.
  • METLIFE DOES NOT WARRANT THAT THE METLIFE INVESTMENTS WEBSITE WILL MEET YOUR NEEDS, OR THAT IT WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. METLIFE ALSO MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE METLIFE INVESTMENTS WEBSITE WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE METLIFE INVESTMENTS WEBSITE WILL MEET YOUR 

LIMITATION OF LIABILITY

  • METLIFE WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THE METLIFE INVESTMENTS WEBSITE AND THIRD PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF METLFIE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.
  • METLIFE WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH SUCH METLIFE DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT.
  • IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR IF YOU ACCESS THE METLIFE INVESTMENTS WEBSITE SOLELY THROUGH AN ARRANGEMENT WITH YOUR EMPLOYER OR PLAN SPONSOR, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

Indemnification

As a condition of your use of the MetLife Investments website, you agree to indemnify and hold MetLife and its Third Party Content providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from your use of the MetLife Investments website, or from your violation of these Terms. 

Changes to MetLife Investments website 

Unless otherwise agreed, MetLife may discontinue or modify the MetLife Investments website at any time without prior notice to you, and you accept those modifications if you continue to use the MetLife Investments website.

Termination 

MetLife may terminate your access to the MetLife Investments website for any reason, without prior notice.

 

1 Subsidiaries of MetLife, Inc. that provide investment management services include Metropolitan Life Insurance Company, MetLife Investment Advisors, LLC (a Securities Exchange Commission-registered investment advisor), MetLife Investment Management Limited (authorised and regulated by the UK Financial Conduct Authority (FCA reference number 623761)), MetLife Investments Limited, MetLife Investments Asia Limited, MetLife Latin America Asesorias e Inversiones Limitada and MetLife Asset Management Corp. (Japan) (a registered Financial Instruments Business Operator (“FIBO”) conducting Investment Advisory Business, Investment Management Business and Type II Financial Instruments Business under the registration entry “Director General of the Kanto Local Finance Bureau (Financial Instruments Business Operator) No. 2414” pursuant to the Financial Instruments and Exchange Act of Japan ("FIEA"), and a regular member of the Japan Investment Advisers Association and the Type II Financial Instruments Firms Association of Japan).