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.
This website/smart application is provided by American Life Insurance Company (MetLife). 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.
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.
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.
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.
Right to modify or terminate
Governing law and jurisdiction
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:
(i) 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;
(ii) Providing additional products, services and benefits to you, including promotions, loyalty and reward programs;
(iii) Contests, competitions or marketing campaigns;
(iv) 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;
(v) 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.