Terms of Use

Please read the terms of use carefully. By accessing or using this website and its pages (collectively, the "Site"), you agree to be bound by the terms of use and accept them in full. MetLife may change the terms of use from time to time and changes will be posted on the Site. By continuing to access and use the Site after any such changes are posted, you will be deemed to have accepted such changes. If you do not agree to be bound by the terms of use, discontinue your access to the Site immediately.

Not all consumers will be eligible for the products and services described on the Site, and we reserve the right to determine your eligibility for any product or service.

The works of authorship contained in the Site, including, but not limited to, the text, design, software, images, graphics, sound, recordings, source code, and content are owned by MetLife. Such works of authorship and exclusively licensed materials are protected by UAE and international copyright laws and treaties, and may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, linked, transferred, sold, or otherwise used for public or commercial purposes without the express written consent of MetLife.

Trademark and Service Mark Notice

MetLife is a registered service mark and the MetLife logo is a service mark of American Life Insurance Company. Other featured words or symbols used in the Site to identify MetLife or any products or services thereof, are the trademarks or service marks of MetLife. You may not modify, copy, reproduce, republish, upload, download, post, transmit, publicly display, create a derivative work, sell, or otherwise use for public or commercial purposes any of the trademarks or service marks in the Site without the express written consent of MetLife.

Submissions

All information submitted to MetLife via the Site shall be deemed and remain the property of MetLife. MetLife shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in such information. MetLife shall not be subject to any obligations of confidentiality regarding submitted information except as specially agreed or as required by applicable law.

Cookies

This website uses cookies - please see the privacy policy for details.

Use of Information and Materials

The Site is provided for informational purposes only, and is not intended as legal, accounting or other professional advice.

The content in the Site, including the terms, conditions and descriptions herein are subject to change without prior notice to you. Unauthorized use of, or entry into, the Site, or the misuse of passwords or information contained within the Site, is strictly prohibited.

Not all products and services featured in the Site are available in all geographic areas. Your eligibility for particular products and services is subject to final acceptance by MetLife. With regard to the information, products and services offered by the Site, no distribution or solicitation is made by MetLife to any person to use any information, products, services, or materials in a jurisdiction where such information, products, services, or materials is prohibited by law.

The information contained in the Site is not intended as an offer or solicitation for the purchase of MetLife stock, any other security or any financial instrument.

Links to Other Sites

MetLife may establish in the Site links and pointers to websites maintained and operated by third parties for you to access at your sole discretion. MetLife does not monitor and is not responsible for the content found on these linked websites. The establishment of any link in the Site does not imply an endorsement or recommendation by MetLife of any opinions, ideas, goods, products, information or services offered through such linked websites. Your participation in any linked website, including payment for, and the delivery of, any goods, products or services, is based solely upon your relationship with the linked website provider. MetLife has no control over such third party websites and makes no warranties or representations as to any content in, or goods, products or services offered through, such third party websites. You expressly agree that MetLife is not responsible for any losses or damages in connection with your access to, use of, or inability to use, such websites, or the contents or goods, products or services offered through such websites.

Disclaimer of Warranties

Access and use of the Site is at your own risk. the Site and its contents, including all text, design, software, images, graphics, sound, recordings, source code and links or other items, is provided "as is", "where is" and "as available", without warranty of any kind, either express or implied, including, but not limited to, warranties of title, merchantability, fitness for a particular purpose, or infringement. Further, no warranty is made that the Site shall be uninterrupted or free from errors, viruses or other harmful code.

Taxes

The information contained in the Site supports the promotion and marketing of insurance products. MetLife, its agents and representatives may not give legal, financial tax or other advice. Any reference of taxes herein is for general information purposes only and does not purport to be complete or cover every situation. Tax laws are subject to interpretation, jurisdiction and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. You should always consult with and rely on your own independent legal, financial and tax advisors regarding your particular set of facts and circumstances.

Limitation of Liability

Under no circumstances will MetLife be liable for any damages, losses or liabilities, including, without limitation, any lost profits, lost opportunity or any indirect, consequential, incidental, special, punitive, or exemplary damages, whether in contract, warranty, tort, (including negligence), strict liability, or otherwise, that arises out of, or is in any way connected with, the use or inability to use, the Site or any portion thereof, or any linked Site, even if MetLife is advised of the possibility of damages, losses or liabilities.

Indemnification

You agree to defend, indemnify and hold harmless MetLife and all of its respective directors, officers, employees and agents thereof, from and against all claims and expenses, including attorney's fees, arising out of your violation of these terms of use or misuse of the Site or products or services provided via the Site.

Additional Terms

Certain pages of the Site may contain separate terms and conditions that are in addition to these terms of use. In the event of a conflict, such separate terms and conditions shall govern the products and services offered or provided in such pages.

Right to Modify or Terminate

MetLife reserves the sole right to modify the products and services offered in the Site. MetLife also reserves the sole right to terminate your access to such products and services, or access to the Site, or suspend your membership and/or block your access to the Site in whole or in part, at any time for any reason including, without limitation if you have failed to comply with this terms of use.

Any suspension or termination of your membership/access to the Site shall not affect your obligations under these terms of use. The provisions of these terms of use (including but not limited to the rights and licenses that you granted herein, indemnities, releases, disclaimers, limitations on liability, provisions governing law and jurisdiction) shall survive the suspension or termination of your membership/access to the Site.

Severability

In the event any of the terms or provisions of these terms of use shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired, and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision.

Governing law and jurisdiction

These terms of use constitute a contract between you and MetLife. You agree that your use of the Site shall be governed by, and construed in accordance with, the laws of UAE. You expressly agree to submit to the sole and exclusive jurisdiction of the Dubai courts.

Right to Contact

You acknowledge and agree that MetLife may contact you, using any communication method (including but not limited to email, telephone calls and text messages), for the following purposes:

  1. Conducting market research and surveys to enable MetLife to understand and determine customer preferences and demographics to develop special offers and marketing programs in relation to MetLife's products and services, and to improve MetLife's service delivery and your customer experience with MetLife;
  2. Providing additional products, services and benefits to you, including promotions, loyalty and reward programs;
  3. Contests, competitions or marketing campaigns;
  4. Communicating to you advertisements involving details of MetLife products and services, special offers and rewards, either to MetLife customers generally, or which we have identified may be of interest to you;
  5. Organizing promotional events and corporate social responsibility projects.

You may change, modify or update your preferences to receive any of the above communications in your profile section under the Site.

By participating in any of MetLife's contests or competitions, you agree to be included in any reward programs and incentives. You acknowledge and understand that MetLife reserves the right to change, modify or terminate any contests or competitions including any incentive or reward programs or campaigns without notice. Also you understand that participating in any rewards or incentives programs or campaigns does not guarantee payment or verify eligibility. Payment of incentives or rewards is subject to all terms, conditions, limitations, and exclusions of that program or campaign.