Definitions.
For purposes of the Terms of Use: "MetLife" means Metropolitan Life Insurance Company, New York, NY and its applicable affiliates. "Web Site" includes MetLink and any MetLife web sites linked to it, and all functionality provided through those sites, but does not include any non-MetLife web sites (even if linked to or framed by this web site).

Authorized access and use only.
MetLink shall only be used by authorized MetLife group customers, and their authorized employees, agents, brokers and third-party administrators. The use of MetLink must be in accordance with the terms and conditions of the applicable MetLink notices, applications, authorizations and/or agreements and in compliance with all applicable laws. You shall maintain in strictest confidence and not improperly use or disclose any private, personal or other confidential information of any person obtained through MetLink. Such information will be accessed only for the purposes of policyholder service functions, reporting functions, auditing functions, to assist in the administration of a consumer dispute or inquiry and any other insurance or benefit function authorized by MetLife.

Information provided by you.
Use of MetLink includes, but not limited to, transmission of information to MetLife which is initiated through MetLink. Such information is relied upon by MetLife for purposes of insurance and/or administrative services. MetLife is not liable for any damages or loss arising out of or related to the transmission or provision of such information by you.

Copyright, trademarks, service marks.
MetLife is the copyright owner of all text on this Web site. METLIFE®, METLINK®, METLIFE ONLINE®, LIFE ADVICE®, have you met life today?®, and other trademarks and service marks of Metropolitan Life Insurance Company, or its subsidiaries or affiliates that may be referred to on this web site are the property of Metropolitan Life Insurance Company or one of its subsidiaries or affiliates. 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 authorized to use our logo as a hyperlink to this web site unless you obtain our written permission in advance.

Web Site materials are not advice.
The materials on the MetLink Web site are not a substitute for obtaining legal or professional advice from your advisors. By making this MetLink Website available to you, MetLife is not engaged in rendering any legal or professional advice.

Links to other web sites.
Any links provided to non-MetLife server sites are offered as a matter of convenience and in no way are meant to imply that MetLife endorses, sponsors, promotes or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated. MetLife reserves the right to terminate a link to any web site at any time.

Security.
MetLife uses no encryption (data scrambling) on certain portions of our Web Site, and up to 128-bit encryption on other portions. Any security measures provided on this Web Site by MetLife, for example, those to help protect privacy or for other purposes, are for use of this Web Site and not for use of other web sites even if linked to or framed by this Web Site. In addition, the types of security measures may vary from one part of this Web Site to another.

MetLife cannot protect all electronic mail correspondence (email) sent to or from MetLife in connection with this Web Site. In addition, your internet service provider, or other parties, may have their own security policies and procedures respecting (a) email delivered on or through their email systems; and/or, (b) other matters which impact your use of this Web Site. You should contact MetLife customer service if you have questions about security on this Web Site. You may also want to contact your internet service provider or other appropriate parties if you have questions about their security practices.

Availability of benefits products.
This site contains information about MetLink and pertains only to the United States. The material available through this site does not constitute an offer of any MetLife product in any jurisdiction. MetLife products are offered by MetLife's authorized agents - contact a MetLife office near you for more information. MetLife products are generally unavailable outside of the United States and not all products are available in all states.

Liability.
Except as specifically set forth in your MetLink agreement with MetLife, MetLife is not liable for any loss arising out of or related to the performance or use of MetLink, including but not limited to any unauthorized access to or use of MetLink by any party.

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.

Copying and linking to this Web Site.
The content of this Web Site is copyrighted and protected by U.S. and worldwide copyright laws and treaty provisions. In addition, this 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 the prior written permission of MetLife. You may request permission by sending a request by e-mail to webmaster@metlife.com.